Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $0/yr for the Capital One SavorOne Student Cash Rewards Credit Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the The Platinum Card from American Express or Capital One SavorOne Student Cash Rewards Credit Card?

The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the The Platinum Card from American Express have that the Capital One SavorOne Student Cash Rewards Credit Card doesn't?

The The Platinum Card from American Express offers lounge access. The Capital One SavorOne Student Cash Rewards Credit Card focuses more on earn rates than premium perks.

Should I get the The Platinum Card from American Express or the Capital One SavorOne Student Cash Rewards Credit Card?

Choose the Capital One SavorOne Student Cash Rewards Credit Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $0/yr for the Capital One SavorOne Student Cash Rewards Credit Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the The Platinum Card from American Express or Capital One SavorOne Student Cash Rewards Credit Card?

The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the The Platinum Card from American Express have that the Capital One SavorOne Student Cash Rewards Credit Card doesn't?

The The Platinum Card from American Express offers lounge access. The Capital One SavorOne Student Cash Rewards Credit Card focuses more on earn rates than premium perks.

Should I get the The Platinum Card from American Express or the Capital One SavorOne Student Cash Rewards Credit Card?

Choose the Capital One SavorOne Student Cash Rewards Credit Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $0/yr for the Capital One SavorOne Student Cash Rewards Credit Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the The Platinum Card from American Express or Capital One SavorOne Student Cash Rewards Credit Card?

The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the The Platinum Card from American Express have that the Capital One SavorOne Student Cash Rewards Credit Card doesn't?

The The Platinum Card from American Express offers lounge access. The Capital One SavorOne Student Cash Rewards Credit Card focuses more on earn rates than premium perks.

Should I get the The Platinum Card from American Express or the Capital One SavorOne Student Cash Rewards Credit Card?

Choose the Capital One SavorOne Student Cash Rewards Credit Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

The Platinum Card from American Express vs Capital One SavorOne Student Cash Rewards Credit Card

The Capital One SavorOne Student Cash Rewards Credit Card ($0/yr) is better for everyday value, while the The Platinum Card from American Express ($895/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

No image

The Platinum Card from American Express

American Express

No image

Capital One SavorOne Student Cash Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$895

Welcome Bonus

80,000 Flex point

—

Earn Rates

Category	The Platinum Card from American Express	Capital One SavorOne Student Cash Rewards Credit Card
Flights	5X	1X
Dining	1X

Category-by-Category Winner

The Capital One SavorOne Student Cash Rewards Credit Card wins in 4 of 5 categories. The The Platinum Card from American Express leads in 1.

Flights

The Platinum Card from American Express earns 5X vs 1X

Dining

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Entertainment

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Streaming

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Is the Fee Difference Worth It?

The The Platinum Card from American Express costs $895/yr — that's $895 more than the Capital One SavorOne Student Cash Rewards Credit Card (no annual fee). To justify that gap, you need to extract at least $895 in annual value from the card's higher earn rates and benefits.

The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $895 gap is significant. Choose the The Platinum Card from American Express only if you spend heavily on flights and hotels and will use its premium benefits regularly — otherwise the Capital One SavorOne Student Cash Rewards Credit Card delivers strong value at a fraction of the cost.

What You Give Up

The Bottom Line

The Capital One SavorOne Student Cash Rewards Credit Card has a lower annual fee ($0 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Choose the Capital One SavorOne Student Cash Rewards Credit Card if you want solid rewards with a lower cost of entry. Choose the The Platinum Card from American Express if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $0/yr for the Capital One SavorOne Student Cash Rewards Credit Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the The Platinum Card from American Express or Capital One SavorOne Student Cash Rewards Credit Card?: The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the The Platinum Card from American Express have that the Capital One SavorOne Student Cash Rewards Credit Card doesn't?: The The Platinum Card from American Express offers lounge access. The Capital One SavorOne Student Cash Rewards Credit Card focuses more on earn rates than premium perks.
Should I get the The Platinum Card from American Express or the Capital One SavorOne Student Cash Rewards Credit Card?: Choose the Capital One SavorOne Student Cash Rewards Credit Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

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Explore More

The Platinum Card from American Express — Full Review All American Express Cards

Capital One SavorOne Student Cash Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Capital One cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

The Platinum Card from American Express vs Capital One SavorOne Student Cash Rewards Credit Card

No image

The Platinum Card from American Express

American Express

No image

Capital One SavorOne Student Cash Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$895

Welcome Bonus

80,000 Flex point

—

Earn Rates

Category	The Platinum Card from American Express	Capital One SavorOne Student Cash Rewards Credit Card
Flights	5X	1X
Dining	1X

Category-by-Category Winner

The Capital One SavorOne Student Cash Rewards Credit Card wins in 4 of 5 categories. The The Platinum Card from American Express leads in 1.

Flights

The Platinum Card from American Express earns 5X vs 1X

Dining

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Entertainment

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Streaming

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Is the Fee Difference Worth It?

The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

The Bottom Line

The Capital One SavorOne Student Cash Rewards Credit Card has a lower annual fee ($0 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $0/yr for the Capital One SavorOne Student Cash Rewards Credit Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the The Platinum Card from American Express or Capital One SavorOne Student Cash Rewards Credit Card?: The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the The Platinum Card from American Express have that the Capital One SavorOne Student Cash Rewards Credit Card doesn't?: The The Platinum Card from American Express offers lounge access. The Capital One SavorOne Student Cash Rewards Credit Card focuses more on earn rates than premium perks.
Should I get the The Platinum Card from American Express or the Capital One SavorOne Student Cash Rewards Credit Card?: Choose the Capital One SavorOne Student Cash Rewards Credit Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Amex Platinum Amex Green vs Amex Platinum Amex Platinum vs Capital One Venture Amex Platinum vs Capital One Venture X

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

Capital One SavorOne Student Cash Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Capital One cards

The Platinum Card from American Express vs Capital One SavorOne Student Cash Rewards Credit Card

No image

The Platinum Card from American Express

American Express

No image

Capital One SavorOne Student Cash Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$895

Welcome Bonus

80,000 Flex point

—

Earn Rates

Category	The Platinum Card from American Express	Capital One SavorOne Student Cash Rewards Credit Card
Flights	5X	1X
Dining	1X

Category-by-Category Winner

The Capital One SavorOne Student Cash Rewards Credit Card wins in 4 of 5 categories. The The Platinum Card from American Express leads in 1.

Flights

The Platinum Card from American Express earns 5X vs 1X

Dining

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Entertainment

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Streaming

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Is the Fee Difference Worth It?

The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

The Bottom Line

The Capital One SavorOne Student Cash Rewards Credit Card has a lower annual fee ($0 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $0/yr for the Capital One SavorOne Student Cash Rewards Credit Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the The Platinum Card from American Express or Capital One SavorOne Student Cash Rewards Credit Card?: The The Platinum Card from American Express has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the The Platinum Card from American Express have that the Capital One SavorOne Student Cash Rewards Credit Card doesn't?: The The Platinum Card from American Express offers lounge access. The Capital One SavorOne Student Cash Rewards Credit Card focuses more on earn rates than premium perks.
Should I get the The Platinum Card from American Express or the Capital One SavorOne Student Cash Rewards Credit Card?: Choose the Capital One SavorOne Student Cash Rewards Credit Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Amex Platinum Amex Green vs Amex Platinum Amex Platinum vs Capital One Venture Amex Platinum vs Capital One Venture X

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

Capital One SavorOne Student Cash Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Capital One cards

Pros & Cons

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+3% cash back on dining, entertainment, streaming, and grocery stores
+8% cash back on Capital One Entertainment tickets
+No annual fee
+No foreign transaction fee for study abroad dining
+No category caps or quarterly activation required

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
−Only 1% on non-bonus categories
−No intro APR offer
−No good grades bonus like Discover offers
−Higher cash advance APR (29.99%)

Pros & Cons

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+3% cash back on dining, entertainment, streaming, and grocery stores
+8% cash back on Capital One Entertainment tickets
+No annual fee
+No foreign transaction fee for study abroad dining
+No category caps or quarterly activation required

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
−Only 1% on non-bonus categories
−No intro APR offer
−No good grades bonus like Discover offers
−Higher cash advance APR (29.99%)

Pros & Cons

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+3% cash back on dining, entertainment, streaming, and grocery stores
+8% cash back on Capital One Entertainment tickets
+No annual fee
+No foreign transaction fee for study abroad dining
+No category caps or quarterly activation required

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
−Only 1% on non-bonus categories
−No intro APR offer
−No good grades bonus like Discover offers
−Higher cash advance APR (29.99%)

The Platinum Card from American Express vs Capital One SavorOne Student Cash Rewards Credit Card

The Platinum Card from American Express

Capital One SavorOne Student Cash Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

The Platinum Card from American Express vs Capital One SavorOne Student Cash Rewards Credit Card

The Platinum Card from American Express

Capital One SavorOne Student Cash Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

The Platinum Card from American Express vs Capital One SavorOne Student Cash Rewards Credit Card

The Platinum Card from American Express

Capital One SavorOne Student Cash Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?