Which premium card has the lowest annual fee?

The Venture X at $395, then the Sapphire Reserve at $795 and the Amex Platinum at $895.

Which card has the most statement credits?

The Amex Platinum, with 12 credits worth up to $2,994 a year. The Sapphire Reserve has 7 (up to $1,640) and the Venture X 2 (up to $300).

Is the Venture X better than the Sapphire Reserve?

On credits alone the Reserve offers more, but the Venture X is far simpler: one $300 Capital One Travel credit against a $395 fee. Its value leans on things this comparison doesn't count, like miles and lounge access.

Do these credits reset on January 1?

Most Amex and Chase credits reset on calendar dates (monthly, quarterly, January and July). The Sapphire Reserve's $300 travel credit and the Venture X travel credit reset on your account anniversary instead.

Sapphire Reserve vs Amex Platinum vs Venture X: Credits, Fees and Reset Dates Compared

By Credit Cadence · Updated Nov 8, 2026 · Card terms checked against each issuer

Three premium cards, three very different deals. The Amex Platinum piles on credits, the Sapphire Reserve mixes a big travel credit with lifestyle ones, and the Venture X keeps it to almost one. Here's every statement credit, side by side.

	Amex Platinum	Sapphire Reserve	Venture X
Annual fee	$895	$795	$395
Recurring credits	12	7	2
Credits per year, face value	$2,994	$1,640	$300
Face value ÷ fee	3.35×	2.06×	0.76×
Credits that need enrollment	7	3	0

This compares statement credits only — not points, miles, lounges or insurance. The Venture X in particular earns most of its keep elsewhere, so a low credit total doesn't make it a worse card.

Amex Platinum: $2,994 in credits for a $895 fee

Credit	Amount	Per year	Resets
Hotel credit	$300 every six months	$600	Resets on January 1 and July 1.
Resy credit	$100 a quarter	$400	Resets on January 1, April 1, July 1 and October 1.
Digital entertainment credit	$25 a month	$300	Resets on the 1st of every month.
lululemon credit	$75 a quarter	$300	Resets on January 1, April 1, July 1 and October 1.
Uber Cash	$15 a month ($35 in December)	$200	Resets on the 1st of every month.
Walmart+ credit	$12.95 a month	$155	Resets on the 1st of every month.
Equinox credit	$300 a year	$300	Resets on January 1.
CLEAR+ credit	$219 a year	$219	Resets on January 1.
Airline fee credit	$200 a year	$200	Resets on January 1.
Oura Ring credit	$200 a year	$200	Resets on January 1.
Uber One credit	$120 a year	$120	Resets on January 1.
Global Entry / TSA PreCheck	$120 every 4 years	—	Counts from the date of your last credit.

Sapphire Reserve: $1,640 in credits for a $795 fee

Credit	Amount	Per year	Resets
Annual travel credit	$300 a year	$300	Resets on your card account anniversary, not on January 1.
The Edit hotel credit	$500 a year	$500	Resets on January 1.
Exclusive Tables dining credit	$150 every six months	$300	Resets on January 1 and July 1.
StubHub / viagogo credit	$150 every six months	$300	Resets on January 1 and July 1.
Peloton membership credit	$10 a month	$120	Resets on the 1st of every month.
Lyft credit	$10 a month	$120	Resets on the 1st of every month.
Global Entry / TSA PreCheck / NEXUS	$120 every 4 years	—	Counts from the date of your last credit.

Venture X: $300 in credits for a $395 fee

Credit	Amount	Per year	Resets
Capital One Travel credit	$300 a year	$300	Resets on your card account anniversary, not on January 1.
Global Entry / TSA PreCheck	$120 every 4 years	—	Counts from the date of your last credit.

What each card asks of you

Amex Platinum: the most value and the most work — 12 credits on monthly, quarterly, half-yearly and yearly clocks, 7 of which need enrollment.
Sapphire Reserve: a $300 travel credit that applies automatically and resets on your card anniversary, plus hotel, dining, StubHub, Peloton and Lyft credits that need some planning. Several have end dates in 2027.
Venture X: one $300 credit used at checkout in Capital One Travel, expiring on your account anniversary. Simple — as long as you remember that date.

Whichever you hold, the credits only pay if they're used before they reset. Credit Cadence puts all of them — across all your cards — in one list sorted by the next deadline, with reminders before each one lapses.

Questions

Amounts come from each issuer's own benefits pages and update with them. Credit Cadence is independent and not affiliated with American Express, Chase or Capital One. Not financial advice.