In case you’re in search of a premium journey rewards bank card, two widespread choices are prone to pop up in your search: the Chase Sapphire Reserve® and the Capital One Enterprise X Rewards Credit score Card.
These playing cards differ on the subject of annual charges, incomes charges and advantages. And, in fact, every earns factors or miles in its personal forex. You will gather Chase Final Rewards factors with the Sapphire Reserve, whilst you’ll earn Capital One miles with the Enterprise X.
Whether or not you are weighing a swap from one choice to the opposite or prepared to use on your first premium card, both may very well be a stable alternative, relying in your targets and spending habits.
Let’s analyze the professionals and cons of every that can assist you determine whether or not the Capital One Enterprise X or the Chase Sapphire Reserve is the cardboard for you.
Capital One Enterprise X vs. Chase Sapphire Reserve comparability
Here is what to know in regards to the playing cards at first look:
| Characteristic | Capital One Enterprise X | Chase Sapphire Reserve |
|---|---|---|
| Annual charge | $395 | $550 |
| Welcome bonus | Earn 75,000 bonus miles after spending $4,000 within the first three months from account opening. | Earn 60,000 bonus factors after spending $4,000 within the first three months from account opening. |
| Incomes charges |
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| Assertion credit |
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| Different card advantages |
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*Upon enrollment, accessible by way of the Capital One web site or cellular app, eligible cardholders will stay at that standing stage by way of the length of the supply. Please notice, enrolling by way of the traditional Hertz Gold Plus Rewards enrollment course of (e.g., at Hertz.com) is not going to routinely detect a cardholder as being eligible for this system and cardholders is not going to be routinely upgraded to the relevant standing tier. Extra phrases apply.
Capital One Enterprise X vs. Chase Sapphire Reserve welcome supply
In the meantime, new Sapphire Reserve cardholders can earn 60,000 bonus factors after spending $4,000 within the first three months from account opening.
TPG’s March 2025 valuations put Chase Final Rewards factors at a barely greater worth than Capital One miles, due partly to Chase’s high-value switch companions. Final Rewards factors are value 2.05 cents every. Compared, Capital One miles are value 1.85 cents apiece.
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Nonetheless, these valuations worth the Capital One Enterprise X’s welcome bonus of 75,000 miles at about $1,388, and the Sapphire Reserve’s bonus of 60,000 factors at $1,230.
Winner: Capital One Enterprise X. Although Capital One miles are valued lower than Chase Final Rewards factors, the variety of miles you may earn provides this card the sting.
Associated: The very best welcome affords presently obtainable
Capital One Enterprise X vs. Chase Sapphire Reserve advantages
The advantages are what make these playing cards stand out above the remaining.
There is a $300 annual credit score on each playing cards, however there are some key variations to contemplate. The journey credit score on the Enterprise X is not versatile, as it’s a must to ebook by way of Capital One Journey to be reimbursed.
The Chase Sapphire Reserve’s credit score is easier to make use of, because it routinely applies to any journey buy as much as $300 and you do not have to ebook immediately with Chase. The credit score on the Sapphire Reserve might cowl all the pieces from tolls to parking meters to worldwide subways.
With regards to lounge entry, each playing cards supply a Precedence Cross membership. This grants entry to over 1,700 lounges for the cardholder and as much as two company.
Each issuers are additionally actively increasing their very own lounge networks.
Capital One Lounges and one Capital One Touchdown are presently open at 4 airports throughout the U.S.:
One other Capital One Lounge is on the way in which at New York’s John F. Kennedy Worldwide Airport (JFK), and one other Touchdown is scheduled to open at New York’s LaGuardia Airport (LGA).
The Enterprise X contains entry for the first cardholder and licensed customers.
Chase has its personal rising community of airport lounges, with eight lounges and one terrace:
Chase additionally plans to open lounges at LAS and Los Angeles Worldwide Airport (LAX) sooner or later.
Each playing cards additionally include ancillary advantages that will not essentially transfer the needle for potential candidates, such because the Sapphire Reserve’s numerous DoorDash perks and the Enterprise X’s complimentary Hertz standing. Nonetheless, these perks are all value making the most of when you determine to use for both card.
With the Enterprise X, you may get a ten,000-mile anniversary bonus every year of card membership renewal.
Moreover, each playing cards are Visa Infinite playing cards and supply high-level journey and buy protections.
Winner: Tie. Whereas the Chase Sapphire Reserve’s journey credit score is less complicated to make use of, the Capital One Enterprise X affords bonus anniversary miles. Plus, since each Chase and Capital One are rising their lounge networks, the higher choice will doubtless be the one with lounges at airports you frequent.
Associated: 5 methods to make sure you have lounge entry earlier than your subsequent flight
Incomes rewards with the Capital One Enterprise X vs. Chase Sapphire Reserve
Based on TPG’s March 2025 valuations, the Enterprise X affords an 18.5% return on motels and rental automobiles booked by way of Capital One’s portal, whereas the Sapphire Reserve returns 20.5% on motels and automotive leases booked by way of Chase Journey.
The Enterprise X affords simplicity with 2 miles per greenback on all different purchases. The Sapphire Reserve affords greater returns in sure classes, providing 3 factors per greenback on all different journey (booked outdoors of Chase Journey) and eating purchases.
Frequent vacationers will doubtless earn extra with the Sapphire Reserve’s bonus classes than they may with the Enterprise X’s flat-rate incomes construction.
Winner: Chase Sapphire Reserve. It affords bonus classes past journey portal bookings.
Associated: The very best rewards bank cards for every bonus class
Redeeming rewards with the Capital One Enterprise X vs. Chase Sapphire Reserve
Probably the most helpful choice for redeeming with both the Capital One Enterprise X or the Chase Sapphire Reserve is transferring factors to journey companions. Nevertheless, that is not the one means to make use of your rewards on both card.
Capital One miles and Chase Final Rewards factors can each be used for flat-rate redemptions on every respective issuer’s journey portal.
With the Chase Sapphire Reserve, your factors are value 50% extra towards any journey booked by way of Chase Journey. This makes your factors value 1.5 cents apiece. Whereas this is not as rewarding as transferring your factors to Chase’s switch companions, this redemption choice is beneficial if in case you have bother discovering award house.
In the meantime, the Enterprise X affords fixed-rate journey redemptions at simply 1 cent per mile — and whereas this may be utilized to any journey buy you cost to the cardboard, it is nonetheless notably decrease.
Each the Enterprise X and Sapphire Reserve additionally supply much less profitable redemption choices, comparable to present playing cards and money again.
Winner: Chase Sapphire Reserve. Redeeming your rewards for journey is 50% extra profitable than with the Enterprise X.
Associated: How one can strategize award redemptions
Transferring rewards with the Capital One Enterprise X vs. Chase Sapphire Reserve
Transferring rewards to journey companions is one of the simplest ways to maximise these hard-earned factors and miles.
Each Chase and Capital One supply a powerful record of switch companions that make redeeming rewards the best choice.
Chase affords 14 airline and resort switch companions, which embrace Air Canada Aeroplan, Air France-KLM Flying Blue and United MileagePlus, to call a couple of.
In the meantime, Capital One has 15-plus switch companions. Some notable names embrace Turkish Airways Miles&Smiles, Avianca LifeMiles and Etihad Visitor.
Danyal constantly transfers his Final Rewards factors to companions to redeem them for optimum worth. He lately transferred factors to Air Canada Aeroplan, making the most of a switch bonus to ebook a business-class flight for 58,000 miles on Swiss to fly dwelling from Zurich to Los Angeles.
Winner: Tie. Regardless of Capital One having extra switch companions, not all transfers happen at a 1:1 ratio.
Ought to I get the Capital One Enterprise X or Chase Sapphire Reserve?
In case you worth broader incomes potential and a versatile journey credit score, the Chase Sapphire Reserve is an efficient alternative. However, when you favor paying a decrease annual charge and steadily journey out of an airport with a Capital One Lounge, the Capital One Enterprise X is ideal.
Backside line
Each the Capital One Enterprise X Rewards Credit score Card and the Chase Sapphire Reserve have their very own strengths and weaknesses, so it is unimaginable to generalize which card comes out on prime. Nevertheless, for a way more manageable annual charge, the Enterprise X is a incredible providing — when you do not thoughts utilizing the journey portal to unlock most of the advantages on the cardboard.
For individuals who favor to ebook immediately with journey suppliers, the Chase Sapphire Reserve is probably going the higher choice for you — however at the price of a better $550 annual charge.
To study extra, take a look at our full evaluations of the Capital One Enterprise X and Chase Sapphire Reserve.
Be taught extra: Capital One Enterprise X Rewards Credit score Card
Apply right here: Chase Sapphire Reserve
For Capital One merchandise listed on this web page, among the advantages could also be offered by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
