Card   Capital One Venture X Rewards Credit Card   Chase Sapphire Preferred® Card   The Platinum Card® from American Express  
Issuer   Capital One   Chase   American Express  
Credit Score   Excellent Credit   Good Credit   Good Credit  
Annual Fee   $395   $95   $695  
Purchase Intro APR   Not Offered   Not Offered   Not Offered  
Transfer Intro APR   Not Offered   Not Offered   Not Offered  
Regular APR   19.99% - 29.24% (V)   19.99% - 28.24% (V)   See Pay Over Time APR  
Bonus Offer   75,000 miles for spending $4,000 in the first 3 months   75,000 points for spending $5,000 on purchases in the first 3 months   You may be eligible for as high as 175,000 points for spending $8,000 on eligible purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $8,000 in 6 months, and receive the points)  
Rewards Rate   10 miles per $1 spent on hotels and rental cars booked through Capital One Travel, 5 miles per $1 spent on flights and vacation rentals booked through Capital One Travel, 5 miles per $1 spent on Capital One Entertainment purchases through 12/31/25, as well as 2 miles per $1 on all other purchases   5 points per $1 spent on travel purchased through Chase Travel℠, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases   5 points per $1 spent on flights booked with airlines or with American Express Travel® (up to $500,000 spent per year), 5 points per $1 spent on prepaid hotels booked with American Express Travel®, and 1 point per $1 spent on all other eligible purchases