Whereas there is not any scarcity of enterprise playing cards in the marketplace, there are restricted choices for premium playing cards that present worth 12 months after 12 months. However now, Chase has lastly entered the premium enterprise card market with the introduction of the Chase Sapphire Reserve for Enterprise℠ (see charges and costs).
The favored Capital One Enterprise X Enterprise and The Enterprise Platinum Card® from American Categorical have been pillars of the premium enterprise card marketplace for years now. However now that the Sapphire Reserve for Enterprise has arrived, let’s check out how all three of those playing cards stack up towards one another.
All these playing cards have annual charges larger than $395, however they’ve perks and advantages that may simply assist offset the annual charges.
Let’s soar into which card is true for your enterprise.
Comparability of the Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
| Enterprise X Enterprise | Amex Enterprise Platinum | Sapphire Reserve for Enterprise | |
|---|---|---|---|
| Annual charge | $395 | $695 (see charges and costs) | $795 |
| Welcome supply | Earn 150,000 bonus miles after spending $30,000 on purchases within the first three months from account opening. | Earn 150,000 bonus factors after spending $20,000 on purchases throughout the first three months of card membership. | Earn 200,000 bonus factors after spending $30,000 on purchases within the first six months from account opening. |
| Incomes charges |
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| Advantages |
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Enrollment is required for choose advantages, and phrases apply. |
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| Lounge entry |
Be aware: Beginning Feb. 1, 2026, visitor entry for Capital One lounges will value $45 per grownup visitor and $25 for kids 17 and beneath. It is going to stay free for kids beneath 2. Nonetheless, you’ll be able to unlock limitless visitor entry for Capital One lounges by spending $75,000 or extra in your card in a calendar 12 months. |
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| Assertion credit |
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Enrollment is required for choose advantages, and phrases apply. |
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| Journey and buy protections |
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*Eligibility and profit stage varies by card. Not all car varieties or leases are lined, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable via American Categorical Journey Associated Companies Firm, Inc.
**Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If permitted and coordinated by Premium International Help Hotline, emergency medical transportation help could also be supplied without charge. In every other circumstance, cardmembers are liable for the prices charged by third-party service suppliers.
***Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
****Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
^Eligibility and profit ranges differ by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars.
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Associated: Your full information to journey protections on American Categorical playing cards
Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise welcome supply
All three playing cards have welcome provides value a minimum of triple their annual charge prices.
In the meantime, with the Amex Enterprise Platinum, new cardmembers can earn 150,000 bonus factors after spending $20,000 on purchases throughout the first three months of card membership. TPG’s July 2025 valuations peg Amex Membership Rewards factors at 2 cents apiece, making this welcome supply value $3,000.
Lastly, new candidates for the Sapphire Reserve for Enterprise can earn 200,000 bonus factors after spending $30,000 on purchases within the first six months from account opening. TPG’s July 2025 valuations peg Chase Final Rewards factors at 2.05 cents apiece, making this welcome supply value $4,100.
Winner: Sapphire Reserve for Enterprise. Its welcome supply is value probably the most.
Associated: Chase Sapphire Reserve for Enterprise: Chase debuts new premium card
Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise Advantages
Here is a take a look at the advantages of every card at first look:
| Capital One Enterprise X Enterprise | Amex Enterprise Platinum | Sapphire Reserve for Enterprise | |
|---|---|---|---|
| Assertion credit |
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Enrollment is required for choose advantages, and phrases apply. |
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| Advantages |
|
Enrollment is required for choose advantages, and phrases apply. |
|
| Lounge entry |
Be aware: Beginning Feb. 1, 2026, visitor entry for Capital One lounges will value $45 per grownup visitor and $25 for kids 17 and beneath. It is going to stay free for kids beneath 2. Nonetheless, you’ll be able to unlock limitless visitor entry for Capital One lounges by spending $75,000 or extra in your card in a calendar 12 months. |
Enrollment is required for choose advantages, and phrases apply. |
|
| Journey and buy protections |
|
|
*****Eligibility and profit stage varies by card. Not all car varieties or leases are lined, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable via American Categorical Journey Associated Companies Firm, Inc.
******Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If permitted and coordinated by Premium International Help Hotline, emergency medical transportation help could also be supplied without charge. In every other circumstance, cardmembers are liable for the prices charged by third-party service suppliers.
*******Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
********Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
^^Eligibility and profit ranges differ by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars.
^^^Upon enrollment, accessible via the Capital One web site or cellular app, eligible cardholders will stay at that standing stage via the length of the supply. Please notice, enrolling via the conventional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) won’t mechanically detect a cardholder as being eligible for this system and cardholders won’t be mechanically upgraded to the relevant standing tier. Further phrases apply
Every card’s standout profit is lounge entry. The Amex Enterprise Platinum takes the cake, because it has unmatched lounge entry with the International Lounge Assortment. Nonetheless, the Enterprise X Enterprise and the Sapphire Reserve for Enterprise supply glorious lounge entry with their very own ever-expanding lounge networks of Capital One lounges and Sapphire Lounges. And all of the playing cards embody a Precedence Move membership.
Moreover, the Sapphire Reserve for Enterprise provides the most effective visitor lounge entry, arms down. Cardholders can convey two complimentary visitors with them into Sapphire lounges. Amex Enterprise Platinum Card members can unlock Centurion Lounge visitor entry by spending $75,000 or extra on their card in a calendar 12 months. Lastly, Enterprise X Enterprise cardholders can at the moment usher in two complimentary visitors, however beginning Feb. 1, 2026, cardholders should spend $75,000 or extra per 12 months to unlock visitor entry, which mirrors the Amex Enterprise Platinum’s lounge visitor entry coverage. No matter spending, with both of the playing cards, you may obtain two complimentary visitors when visiting Precedence Move lounges.
Moreover, every card has some variation of an annual journey credit score. The Amex Enterprise Platinum is probably the most restrictive, as it’s an airline incidentals credit score, and you need to designate one airline to apply it to. It covers issues like checked luggage and seat assignments, nevertheless it typically will not cowl ticket purchases. The Enterprise X Enterprise annual journey credit score could be very simple to make use of, with the one caveat being that you need to e-book journey by way of the Capital One Journey portal. Lastly, the Chase Sapphire Reserve for Enterprise has the simplest credit score to make use of, as it is going to cowl something that Chase broadly defines as journey, together with parking, tolls and ferries. This credit score is automated, and you do not have to e-book via a journey portal.
All these playing cards even have quite a few resort perks, with two together with automated elite standing and all of them gaining access to luxurious resort reserving platforms like Capital One’s Premier Assortment and Way of life Assortment, Chase’s The Edit and American Categorical’ Advantageous Accommodations + Resorts and The Resort Assortment. When reserving via these platforms, you may obtain elitelike advantages and on-property credit.
Lastly, all three playing cards have glorious journey and buy protections. The Amex Enterprise Platinum and the Sapphire Reserve for Enterprise supply barely extra protections than the Enterprise X Enterprise in case your journey plans go awry. Nonetheless, the Sapphire Reserve for Enterprise takes the cake out of the three, because it provides probably the most sturdy protections.
Winner: Chase Sapphire Reserve for Enterprise. It barely beats the Amex Enterprise Platinum within the complete worth of its assertion credit. It additionally has barely higher journey protections.
Incomes on the Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
All these enterprise playing cards are nice for incomes versatile currencies. The Enterprise X Enterprise earns:
- 10 miles per greenback spent on resorts and rental vehicles booked via Capital One Journey (18.5% return based mostly on TPG’s July 2025 valuations)
- 5 miles per greenback spent on flights and trip leases booked via Capital One Journey (9.25% return)
- 2 miles per greenback spent on all different purchases (3.7% return)
The Amex Enterprise Platinum earns:
- 5 factors per greenback spent on flights and pay as you go resorts booked with amextravel.com (10% return based mostly on TPG’s July 2025 valuations)
- 1.5 factors per greenback spent on purchases of $5,000 or extra and in choose enterprise classes within the U.S. — development materials and {hardware} suppliers, electronics items retailers, software program and cloud system suppliers, and transport suppliers — on as much as $2 million of purchases in a calendar 12 months, then 1 level per greenback (3% return)
- 1 level per greenback spent on different purchases (1% return)
The Sapphire Reserve for Enterprise has probably the most bonus classes incomes:
- 8 factors per greenback spent on Chase Journey purchases (16.4% return based mostly on TPG’s July 2025 valuations)
- 5 factors per greenback spent on eligible Lyft rides via Sept. 30, 2027 (10.25% return)
- 4 factors per greenback spent on flights and resorts booked straight (8.2% return)
- 3 factors per greenback spent on promoting purchases made with social media websites and search engines like google and yahoo (6.15% return)
- 1 level per greenback spent on all different purchases (2.05% return)
The Enterprise X Enterprise provides the only earnings with miles, and you will earn a minimum of 2 miles on each buy. The Amex Enterprise Platinum incomes charges will not be the strongest, as they solely supply bonus earnings of greater than 1 level per greenback spent on purchases over $5,000 and flights and resorts booked via Amex Journey. These incomes charges may be limiting for companies when you do not routinely have massive purchases or wish to e-book journey via a web based journey company.
The Sapphire Reserve for Enterprise provides probably the most bonus-earning classes and generally is a nice choice for companies with excessive promoting spending, as there isn’t any spending cap on the promoting bonus class. Moreover, the Reserve for Enterprise provides companies the pliability to e-book resorts and flights straight and earn probably the most bonus rewards out of the three playing cards.
Winner: Chase Sapphire Reserve for Enterprise. It provides probably the most bonus classes and is the one card with elevated earnings on promoting and direct resort and flight purchases.
Associated: Greatest bank cards for promoting
Redeeming rewards on the Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
With all three playing cards, you’ll be able to redeem your rewards earned for money again, Amazon purchases, present playing cards and journey booked via every issuer’s respective journey portal. Nonetheless, with these choices, redemption charges aren’t favorable. They are much decrease than TPG’s July 2025 valuations and, in some instances, even decrease than 1 cent per level or mile.
All three playing cards have switch companions in every of the three main airline alliances: Oneworld, SkyTeam and Star Alliance. Moreover, each card has a minimum of one home airline switch associate.
The Enterprise X Enterprise means that you can redeem miles at 1 cent per mile for journey booked by way of the Capital One Journey portal. You can too redeem miles to cowl current journey purchases at 1 cent per mile.
With the Amex Enterprise Platinum, you’ll be able to redeem factors to cowl purchases at 0.60 cents per level, or you need to use them to e-book journey by way of Amex Journey at a fee of 0.70 cents per level for pay as you go resorts and 1 cent per level for flights. You even have the Pay with Factors perk that offers you 35% of your factors again (as much as 1 million per 12 months) once you e-book business- or first-class flights or economy-class flights in your designated airline by way of Amex Journey. Nonetheless, this perk has been devalued, and beginning Sept. 18, you may solely have the ability to get factors again in your designated airline, no matter cabin class.
With the Sapphire Reserve for Enterprise, factors can be utilized to e-book journey straight via Chase Journey℠ at a worth of as much as 2 cents per level, relying on the particular redemption, with the brand new Factors Increase redemption function. Factors Increase provides elevated redemption charges of greater than 1 cent per level on choose Chase Journey redemptions. Choose flight and resort redemptions may be made at a fee between 1.5 to 2 cents per level.
Winner: Chase Sapphire Reserve for Enterprise. Your factors with Chase are doubtlessly value probably the most when redeeming via a journey portal.
Associated: Cashing in Capital One miles? How you can get the utmost worth when redeeming miles
Transferring rewards on the Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
With any of those playing cards, your finest wager for the best redemption worth is to switch your rewards to companions.
Enterprise X Enterprise cardholders have entry to Capital One’s roster of 15-plus switch companions. Widespread companions embody Air Canada Aeroplan, Avianca LifeMiles and Singapore KrisFlyer.
Amex Enterprise Platinum Card members have entry to Amex’s roster of 18 airways and three resort companions. Widespread companions embody Air Canada Aeroplan, Delta SkyMiles and Virgin Atlantic Flying Membership.
I are likely to switch factors earned with my Enterprise Platinum Card to Delta SkyMiles to benefit from that program’s frequent award flash gross sales.
With the Chase Sapphire Reserve for Enterprise℠, you may have entry to Chase’s 14 switch companions. Widespread companions embody British Airways Membership, Southwest Speedy Rewards and World of Hyatt.
Winner: Chase Sapphire Reserve for Enterprise. The Chase enterprise card takes the sting, because it provides excellent worth with resort companions and is the one card to have World of Hyatt as a associate.
Associated: Bank card switch companions: Information to transferring factors and miles to airways and resorts
Ought to I get the Enterprise X Enterprise, Amex Enterprise Platinum or Sapphire Reserve for Enterprise?
Nonetheless, in order for you extra perks like assertion credit, automated elite standing and the most effective lounge entry, the Amex Enterprise Platinum is your decide.
If you’d like lounge entry with the most effective visitor entry and probably the most bonus earnings classes, it’s best to go for the Sapphire Reserve for Enterprise.
Backside line
In the event you’re on the lookout for a enterprise rewards card, these choices are all nice. Any of them could be a strong addition to your pockets. The Enterprise X Enterprise has a a lot decrease annual charge and comes loaded with perks; nonetheless, the Amex Enterprise Platinum and the Chase Sapphire Reserve for Enterprise merely supply extra worth with extra assertion credit and elite standing. In the event you’re actually seeking to maximize factors and miles incomes potential, you possibly can add two and even all three playing cards to your pockets.
Apply right here: The Enterprise Platinum Card from American Categorical
Apply right here: Chase Sapphire Reserve for Enterprise
Study extra: Capital One Enterprise X Enterprise
For charges and costs of the Amex Enterprise Platinum, click on right here.
For Capital One merchandise listed on this web page, among the advantages could also be supplied by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
