Business Cards Compared: Amex Platinum vs. Capital One Venture X

Choosing the right business credit card can be tricky. Two top contenders are the Amex Business Platinum and the Capital One Venture X Business. Both offer great perks, but they cater to different needs. The Amex Business Platinum has a high annual fee of $895. It's packed with benefits like airport lounge access, travel credits, and flexible rewards. However, it's best for those who can take advantage of its many statement credits and high spending thresholds. On the other hand, the Capital One Venture X Business has a lower annual fee of $395. It offers a simpler rewards structure and a generous welcome bonus. But, it's important to note that its lounge access policies are changing soon. Both cards have their pros and cons. The Amex Business Platinum is great for frequent travelers who can use its many perks. The Capital One Venture X Business is better for those who prefer simplicity and a lower fee. When it comes to rewards, the Amex Business Platinum offers points that can be transferred to various airline and hotel programs. The Capital One Venture X Business offers miles that can be used for travel or transferred to other programs.In terms of travel credits, the Amex Business Platinum offers multiple credits, but they require more effort to use. The Capital One Venture X Business offers a straightforward $300 annual travel credit. Airport lounge access is another area where these cards differ. The Amex Business Platinum offers access to over 1, 550 lounges worldwide. The Capital One Venture X Business offers access to over 1, 300 lounges, but its guest policies are changing. Both cards offer comprehensive travel insurance benefits. They also allow you to add employee cards, but the Amex Business Platinum charges a fee for this. Ultimately, the best card for you depends on your business spending patterns and which perks you'll actually use. If you're a frequent traveler who can use multiple credits, the Amex Business Platinum might be the way to go. If you prefer simplicity and a lower fee, the Capital One Venture X Business could be the better choice.