Shelling out a whole bunch of {dollars} in annual charges for premium bank cards just isn’t for everybody, particularly while you’re new to factors and miles. Thankfully, loads of journey bank cards will set you again lower than $100 a 12 months in annual charges and nonetheless earn profitable rewards that can assist you e book that epic journey of your goals.
Among the many prime playing cards on this class are the Chase Sapphire Most popular® Card (see charges and costs) and the Capital One Enterprise Rewards Credit score Card. Each include manageable annual charges for newcomers and consultants and a really helpful credit score rating of 670 or larger.
Let’s take a look at how these two playing cards stack up in a head-to-head comparability.
Chase Sapphire Most popular vs. Capital One Enterprise comparability
Listed here are the fundamentals of every of those two playing cards within the main classes:
| Card particulars | Chase Sapphire Most popular | Capital One Enterprise Rewards |
|---|---|---|
| Annual price | $95 | $95 |
| Welcome bonus | Earn 100,000 bonus factors after you spend $5,000 on purchases within the first three months of account opening. | Earn 75,000 bonus miles while you spend $4,000 on purchases inside the first three months from account opening, plus a $250 Capital One Journey credit score to make use of within the first 12 months. |
| Bonus classes |
|
|
| TPG March 2025 valuation of rewards forex | 2.05 cents every | 1.85 cents every |
| International transaction charges | None | None |
| Journey protections |
|
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| Different advantages |
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*Advantages solely obtainable to accounts permitted for the World Elite Mastercard. Phrases apply.
Chase Sapphire Most popular vs. Capital One Enterprise welcome supply
Each playing cards are at the moment providing stable welcome bonuses that may present a ton of worth to new cardholders.
Since these factors are price 1.25 cents apiece when redeemed via the Chase journey portal, the bonus is assured to be price $1,250 in journey. Nevertheless, TPG’s March 2025 valuations peg Chase Final Rewards factors at 2.05 cents every, that means this welcome supply is price a whopping $2,050.
The Enterprise Rewards card presents new cardholders 75,000 bonus miles after they spend $4,000 on the cardboard inside the first three months of account opening plus a $250 Capital One Journey credit score to make use of within the first 12 months.
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The 75,000 bonus miles you may earn after assembly the spending requirement are price $750 in journey for those who redeem at a set worth instantly via Capital One, giving your bonus a complete worth of $1,000 with the bonus miles and the credit score. It is also price as much as $1,638 for those who switch your miles to Capital One’s airline or resort switch companions (and embody the worth from the journey credit score) per TPG’s March 2025 valuation of Capital One miles at 1.85 cents every.
Winner: Sapphire Most popular. The present bonus is price greater than $2,000.
Associated: How (and why) you need to earn transferable factors
Chase Sapphire Most popular vs. Capital One Enterprise advantages
Each playing cards supply an array of advantages that add much more worth.
You will additionally stand up to $120 International Entry/TSA PreCheck software price credit score. This perk is mostly seen on playing cards with larger annual charges, and it may possibly make an enormous distinction in rushing up your journey via the airport.
The Sapphire Most popular is a Visa Signature card and presents related advantages however kicked up a notch. Most notably, it contains major rental automotive protection fairly than secondary, that means you’ll be able to submit claims on to your card’s advantages supplier with out involving your private insurance coverage coverage.
Plus, the Sapphire Most popular’s journey advantages are additionally superior — as much as $500 per lined traveler in journey delay reimbursement for those who’re delayed greater than 12 hours or in a single day, as much as $10,000 in journey cancellation and interruption insurance coverage per individual (as much as $20,000 per journey) and as much as $100 per day for as much as 5 days in baggage delay reimbursement in case your bag is delayed greater than six hours.
On prime of that, the cardboard presents an annual $50 assertion credit score on resort stays bought via the Chase journey portal and a ten% anniversary factors bonus.
Winner: Sapphire Most popular. You will take pleasure in barely extra advantages with the Chase providing right here.
Associated: Chase Sapphire Most popular advantages you may not learn about
Incomes rewards on the Capital One Enterprise vs. Chase Sapphire
With the Sapphire Most popular, you may get:
- 5 factors per greenback on all journey bought via Chase Journey
- 3 factors per greenback on eating (together with eligible supply providers, takeout and eating out)
- 3 factors per greenback on choose streaming providers
- 3 factors per greenback on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment)
- 2 factors per greenback on all different journey
- 1 level per greenback on all different purchases
Journey is outlined fairly broadly with the Sapphire Most popular and contains some on a regular basis bills, similar to tolls, parking and subway tickets. The eating class can also be broad, together with commonplace eating places, bars and occasional outlets, meals supply providers and even most merchandising machines.
Winner: Tie. The Capital One Enterprise comes out forward on on a regular basis spending however falls behind in bonus classes, which is the place the Sapphire Most popular shines. It will depend on your spending patterns.
Associated: Evaluating flat-rate with bonus-category cash-back bank cards
Redeeming rewards on the Capital One Enterprise vs. Chase Sapphire
Each playing cards permit you to redeem rewards for a lot of purchases. Nevertheless, journey redemptions all the time present the most effective worth.
For those who want a easy redemption possibility, you’ll be able to redeem Enterprise Rewards Capital One miles at a set worth of 1 cent every towards journey bookings made via Capital One Journey or use them to offset any latest journey buy.
For those who’re not looking for journey rewards, you’ll be able to redeem your miles for reward playing cards, money again or on Amazon and PayPal purchases — however know it is going to be at subpar redemption charges.
Winner: Sapphire Most popular. You will get a extra favorable 1.25 cents per level when redeeming for journey at a set price, whereas you can even get a price of 1 cent per level when redeeming for money rewards or assertion credit.
Associated: use your Capital One miles for max worth
Transferring rewards on the Capital One Enterprise vs. Chase Sapphire
You possibly can squeeze extra worth out of your Capital One miles by transferring them to Capital One’s 15-plus airline and resort switch companions. Most transfers are at a 1:1 ratio.
Because the card earns 2 Capital One miles per greenback on on a regular basis spending, you may earn at the least 2 airline miles or resort factors per greenback spent on each buy, relying on the particular program to which you switch your miles.
Equally, the best way to get prime worth out of your Chase Final Rewards factors is by transferring them to one among Chase’s airline and resort companions, together with precious choices like United MileagePlus, Iberia Plus and World of Hyatt.
Winner: Sapphire Most popular. Chase Final Rewards will get the sting for providing extra profitable switch choices (specifically United and Hyatt, which aren’t Capital One companions).
Associated: One of the best methods to make use of Chase Final Rewards factors
Ought to I get the Capital One Enterprise or Chase Sapphire Most popular?
Whereas the worth you may get from the playing cards relies upon closely in your spending habits, most cardholders can be higher off with the Sapphire Most popular. Normally, Chase Final Rewards factors are extra precious than Capital One miles. Plus, the Sapphire Most popular earns extra in bonus spending classes and presents higher journey protections.
Backside line
These two playing cards aren’t mutually unique. In any case, the Capital One Enterprise Rewards is without doubt one of the finest Capital One bank cards, and the Chase Sapphire Most popular is without doubt one of the finest Chase bank cards available on the market. They really complement one another effectively for those who personal each.
Nevertheless, the Sapphire Most popular usually supplies extra worth. So, for those who’re actually caught between the 2, we suggest going with that one.
For extra particulars, see our full evaluations of the Enterprise Rewards and Chase Sapphire Most popular.
Study extra: Capital One Enterprise Rewards
Apply right here: Chase Sapphire Most popular
*For Capital One merchandise listed on this web page, a number of the advantages could also be offered by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
