Chase Sapphire Most well-liked vs. Enterprise X: Which card must you get?

Chase and Capital One are leaders within the journey rewards bank card area. Should you’re searching for your subsequent journey rewards bank card, the Chase Sapphire Most well-liked® Card (see charges and charges) and the Capital One Enterprise X Rewards Credit score Card are nice choices to think about.

Each playing cards have their very own transferable foreign money that they earn and varied travel-related advantages. With the Sapphire Most well-liked, you may earn Chase Final Rewards factors, whilst you’ll earn Capital One miles with the Enterprise X. The Sapphire Most well-liked carries a $95 annual charge, and the Enterprise X has a $395 annual charge.

Having a better annual charge doesn’t suggest the Enterprise X is routinely the higher card, because the Sapphire Most well-liked is sort of a formidable opponent.

Let’s leap into the similarities and variations with these playing cards and see which is a greater match so as to add to your pockets subsequent.

Sapphire Most well-liked vs. Enterprise X comparability

Sapphire Most well-liked vs. Enterprise X welcome provide

For a restricted time, new candidates for the Chase Sapphire Most well-liked can earn 100,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. That is your final probability to use, as this provide ends Could 15 at 9 AM EDT.

TPG’s Could 2025 valuations peg the worth of Final Rewards factors at 2.05 cents apiece, making this welcome provide value $2,050.

New candidates for the Enterprise X can earn 75,000 bonus miles after spending $4,000 on purchases within the first three months after opening an account. TPG’s Could 2025 valuations peg the worth of Capital One miles at 1.85 cents apiece, making this provide value $1,388.

Winner: Sapphire Most well-liked. Its welcome provide is value over $600 extra.

Associated: Greatest bank card welcome gives this month

Sapphire Most well-liked vs. Enterprise X advantages

Each playing cards provide related advantages, resembling no international transaction charges, procuring and journey protections, and first rental automobile insurance coverage.

The Sapphire Most well-liked gives cardholders:

In the meantime, advantages distinctive to the Enterprise X embody:

Whereas the Enterprise X’s journey credit score cannot be used outdoors Capital One Journey, it ought to nonetheless be comparatively simple to make use of.

The Enterprise X supplies glorious lounge entry through entry to greater than 1,300 Precedence Move lounges and Capital One’s small however mighty community of 5 lounges (4 lounges and one Capital One Touchdown). Cardholders can deliver two visitors over 2 years of age with them for no extra cost. Entry is included for the first cardholder and licensed customers.

The Enterprise X additionally consists of cellphone safety and ride-hailing safety, one thing the Sapphire Most well-liked lacks. Nevertheless, the Sapphire Most well-liked has baggage delay insurance coverage, which the Enterprise X doesn’t provide.

Winner: Enterprise X. It supplies considerably extra worth with the $300 Capital One Journey credit score on bookings by way of Capital One Journey, anniversary bonus miles, lounge entry, TSA PreCheck/International Entry credit score and computerized elite standing, however that is to be anticipated, because it has greater than quadruple the annual charge of the Sapphire Most well-liked.

Associated: Why you must add licensed customers on the Capital One Enterprise X

Incomes rewards with the Sapphire Most well-liked vs. Enterprise X

The Sapphire Most well-liked earns:

• 5 factors per greenback spent on journey booked by way of Chase Journey
• 5 factors per greenback spent on Lyft purchases (by way of Sept. 30, 2027)
• 5 factors per greenback spent on Peloton tools and accent purchases of $150 or extra (by way of Dec. 31, 2027, with a restrict of 25,000 bonus factors)
• 3 factors per greenback spent on eating, choose streaming providers and on-line grocery retailer purchases (excludes Goal, Walmart and wholesale golf equipment)
• 2 factors per greenback spent on all journey not booked by way of Chase Journey
• 1 level per greenback spent on the whole lot else

In the meantime, the Enterprise X earns:

• 10 miles per greenback spent on inns and rental vehicles booked by way of Capital One Journey
• 5 miles per greenback spent on flights and trip leases booked by way of Capital One Journey
• 2 miles per greenback spent on all different eligible purchases

Each playing cards earn at the very least 5 factors or miles per greenback spent on journey booked by way of their respective portals, however this is probably not helpful to most, as I usually do not suggest reserving by way of journey portals.

Whereas the Sapphire Most well-liked has extra bonus-earning classes, some are relatively area of interest. It does earn 3 factors per greenback spent in just a few choose bonus classes, together with eating. Nevertheless, the Enterprise X’s simplicity is unmatched, as you may earn at the very least 2 miles per greenback spent on all purchases.

Winner: Tie. The Sapphire Most well-liked has extra bonus classes, however a few of them are fairly area of interest. The Enterprise X supplies simplicity with its earnings.

Associated: Why I like my Chase Sapphire Most well-liked Card — and can all the time maintain it in my pockets

Redeeming rewards with the Sapphire Most well-liked vs. Enterprise X

Your finest guess for redeeming your rewards with both card is to make use of switch companions. Nevertheless, there are different redemption choices for every card. Each playing cards’ rewards could be redeemed for a set worth in every issuer’s respective journey portal, in addition to for present playing cards and money again (although the latter two choices present the worst redemption worth).

With the Sapphire Most well-liked, your factors are value 25% extra if you redeem them for any journey booked through Chase Journey. Whereas that is nonetheless lower than TPG’s Could 2025 valuation of Final Rewards factors, it is a strong backup redemption choice when you’re having hassle discovering award availability.

With the Enterprise X, you’ll be able to redeem miles at a set price of 1 cent per mile for all travel-related purchases made in your card or for journey booked by way of Capital One Journey.

Winner: Sapphire Most well-liked. When redeeming factors by way of Chase Journey, factors are value 1.25 cents a bit, whereas redeeming miles through Capital One Journey or for journey purchases are solely value 1 cent apiece.

Transferring rewards with the Sapphire Most well-liked vs. Enterprise X

Transferring rewards you earn from both card supplies most redemption worth.

With the Sapphire Most well-liked, you may have entry to Chase’s 14 airline and lodge companions. All companions switch at a 1:1 ratio.

I usually switch my Final Rewards factors to World of Hyatt, as this system nonetheless makes use of a fixed-price award chart and supplies me with excellent worth when touring to common locations throughout peak or busy seasons.

Simply two months in the past, I redeemed 30,000 Final Rewards factors for 2 nights on the Hyatt Centric The Liberties Dublin throughout St. Patrick’s Day weekend, which might have price me over $900.

With Capital One, you may have entry to 15-plus airline and lodge companions. Nevertheless, not all companions, resembling EVA Airways, switch at a 1:1 ratio; for that associate, transfers are at a 2:1.5 ratio. Chase does one-up Capital One on this space, because it has two U.S. airline companions, Southwest Airways and United Airways, whereas Capital One has only one with JetBlue.

That stated, each packages do have airline companions in every of the three main alliances: Oneworld, SkyTeam and Star Alliance, every of which you can even use to e-book home flights.

Augusta Stone, a bank cards author at TPG, not too long ago transferred 15,000 Capital One miles to Air France-KLM Flying Blue to e-book two one-way home Delta Air Strains flights.

Winner: Sapphire Most well-liked. Regardless of Capital One having extra switch companions, Chase barely takes the sting, because it has Hyatt as a lodge associate and two home airline companions, and all of its switch ratios are at a 1:1 price.

Associated: The way to redeem Chase Final Rewards factors for max worth

Ought to I get the Sapphire Most well-liked or Enterprise X?

Should you favor strong journey protections for a decrease annual charge and extra domestic-based switch companions, then I say the Sapphire Most well-liked is the way in which to go. Nevertheless, when you’re after extra premium perks like lounge entry, assertion credit and extra in depth journey protections, then I like to recommend choosing the Enterprise X.

Associated: Why Capital One Enterprise X gained the TPG Award for Greatest Premium Journey Credit score Card

Backside line

The Sapphire Most well-liked and the Enterprise X are glorious journey rewards playing cards. Whereas the Enterprise X clearly has extra advantages and is extra suited to frequent vacationers, the Sapphire Most well-liked is a formidable opponent with greater than ample journey perks and a a lot decrease annual charge.

Both or each playing cards might be nice additions to your pockets, relying on which card and advantages finest fit your life-style and journey wants.

To be taught extra, learn our full evaluations of the Chase Sapphire Most well-liked and the Capital One Enterprise X.

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Apply right here: Chase Sapphire Most well-liked Card

Study extra: Capital One Enterprise X Rewards Credit score Card

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For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

*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 period of the provide. Please word, enrolling by way of the conventional 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.