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All comparisons
Head-to-head, 2026

Capital One Venture X Rewards Citi AAdvantage Platinum Select

Capital One Venture X Rewards

$395/yr

Venture X Rewards
AAdvantage Platinum Select

Citi AAdvantage Platinum Select

$99/yr

Every $1 · two cards

Capital One Venture X Rewards earns more in 8 of 9 categories · Citi AAdvantage Platinum Select in 0

  • Dining
    2×3.6¢ per $1
    2×2.9¢ per $1
  • Groceries
    2×3.6¢ per $1
    1×1.45¢ per $1
  • Gas
    2×3.6¢ per $1
    2×2.9¢ per $1
  • Flights
    5×9¢ per $1

    via Capital One Travel

    1×1.45¢ per $1
  • Hotels
    10×18¢ per $1

    via Capital One Travel

    1×1.45¢ per $1
  • Everything else
    2×3.6¢ per $1
    1×1.45¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Citi AAdvantage Platinum SelectBigger welcome offer: Capital One Venture X Rewards

Capital One

Venture X Rewards

Annual fee
$395
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Hotels & rental cars · Capital One Miles
  • 5×Flights and vacation rentals · Capital One Miles
  • 5×Capital One Entertainment purchases · Capital One Miles
  • 2×All other purchases · Capital One Miles

Key benefits

  • $300 annual Capital One Travel credit · $300
  • Global Entry or TSA PreCheck credit · $120
  • Premier Collection Vacation Rental Experience Credit · $100
  • Premier Collection Hotel Experience Credit · $100
  • Lifestyle Collection Vacation Rental Experience Credit · $50
Full Capital One Venture X Rewards review

Citi

AAdvantage Platinum Select

Annual fee
$99
Network
mastercard
Welcome value
~$725
Min spend
$2,500 / 3mo

Top earning rates

  • 2×Eligible American Airlines purchases · AAdvantage
  • 2×Restaurants and gas stations · AAdvantage
  • 1×All other purchases · AAdvantage

Key benefits

  • Turo Credit · $180
  • Free first checked bag · $140
  • $125 American Airlines flight discount (Spend Tier) · $125
  • No Foreign Transaction Fees · $0
  • 24-Hour Fraud Protection · $0
Full Citi AAdvantage Platinum Select review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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