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Capital One Enterprise X Vs. Chase Sapphire Reserve

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Hyperlink: Apply now for the Capital One Enterprise X Rewards Credit score Card of Chase Sapphire Reserve® Card

The Capital One Enterprise X Rewards Credit score Card (overview) is the most recent premium bank card available on the market, and might be the highest competitor to the uber-popular Chase Sapphire Reserve® Card (overview). Since there’s lots of overlap between these two playing cards, on this publish I needed to match the 2 merchandise, with the hopes of serving to folks resolve which card makes extra sense for them.

Evaluating the Enterprise X & Sapphire Reserve

Each the Capital One Enterprise X and Chase Sapphire Reserve are extremely rewarding playing cards, so let’s examine them throughout a wide range of elements — welcome bonuses, approval odds, annual charges, the flexibility to earn & redeem factors, annual credit, lounge entry, and extra. Let’s get proper into it…

Welcome bonuses: Enterprise X vs. Sapphire Reserve

The 2 playing cards are at present providing the next welcome bonuses:

For context, I worth each Capital One miles and Chase Final Rewards factors at 1.7 cents every.

Winner: The Chase Sapphire Reserve wins, because it provides a slightly higher welcome bonus.

Redeem welcome bonuses for some nice journey rewards

Approval odds: Enterprise X vs. Sapphire Reserve

Each playing cards have guidelines in terms of being authorized:

Winner: It depends upon your actual scenario, particularly provided that Capital One could be unusual about approvals generally, however I’d say much more individuals are eligible for the Capital One Enterprise X than the Chase Sapphire Reserve.

There are fewer restrictions round being authorized for the Enterprise X

Annual charges: Enterprise X vs. Sapphire Reserve

On the subject of the annual charges of the 2 bank cards, there’s a important distinction, each for the first cardmember and for approved customers:

Winner: The Capital One Enterprise X wins by an extended shot right here, because the annual price is way decrease, and you may add approved customers at no additional value.

The Enterprise X has a decrease annual price, together with for approved customers

Incomes factors: Enterprise X vs. Sapphire Reserve

The 2 playing cards have completely different rewards constructions, with one card being nice for on a regular basis spending, and the opposite card being nice for fashionable bonus classes:

  • The Capital One Enterprise X earns 2x Enterprise miles on all purchases; it’s also possible to earn bonus miles for journey booked by means of Capital One Journey, together with 10x miles for lodges and rental automobiles and 5x miles for flights
  • The Chase Sapphire Reserve earns 3x Final Rewards factors on eating and journey, and 1x Final Rewards factors on different purchases; it’s also possible to earn bonus factors for journey booked by means of Chase Journey, together with 10x factors for lodges and rental automobiles and 5x factors for flights

Winner: I’d say this can be a “your mileage could differ” scenario, so I don’t assume there’s an apparent winner. If over half of your spending is on eating and journey, you’ll come out forward with the Chase Sapphire Reserve, whereas if over half of your spending is in different classes, you’ll come out forward with the Capital One Enterprise X. This doesn’t issue within the skill to construct a portfolio of playing cards, which I’ll tackle under.

Earn 3x factors on eating with the Sapphire Reserve

Redeeming factors: Enterprise X vs. Sapphire Reserve

As I discussed above, I worth each Capital One miles and Chase Final Rewards factors at 1.7 cents every, however I needed to develop a bit on redemption alternatives.

Factors earned on the Capital One Enterprise X could be redeemed within the following methods:

  • They are often redeemed for one cent every towards the price of a journey buy; what’s cool is you could e book journey nevertheless you’d like, after which retroactively reimburse your self for these purchases with assertion credit
  • They are often transferred to Capital One airline and resort companions, with a overwhelming majority of transfers being at a 1:1 ratio

Capital One mileage companions embody the next (together with switch ratios and occasions):

Capital One Switch Companion

Switch Ratio

Switch Time

Accor Dwell Limitless (ALL)

1000 : 500

~ 24 to 48 hours

Aeromexico Membership Premier

1000 : 1000

Instantaneous

Air Canada Aeroplan

1000 : 1000

Instantaneous

Air France-KLM Flying Blue

1000 : 1000

Instantaneous

Avianca LifeMiles

1000 : 1000

Instantaneous

British Airways Govt Membership

1000 : 1000

Instantaneous

Cathay Pacific Asia Miles

1000 : 1000

~ 3 to five days

Selection Privileges

1000 : 1000

Instantaneous

Emirates Skywards

1000 : 1000

Instantaneous

Etihad Visitor

1000 : 1000

~ 12 to 24 hours

EVA Air Infinity MileageLands

1000 : 750

~ 24 to 48 hours

Finnair Plus

1000 : 1000

Instantaneous

Qantas Frequent Flyer

1000 : 1000

~ 24 to 48 hours

Singapore Airways KrisFlyer

1000 : 1000

~ 24 to 48 hours

TAP Air Portugal Miles&Go

1000 : 1000

Instantaneous

Turkish Airways Miles&Smiles

1000 : 1000

~ 24 to 48 hours

Virgin Purple

1000 : 1000

Instantaneous

Wyndham Rewards

1000 : 1000

Instantaneous

Capital One Switch Ratios & Occasions

Factors earned on the Chase Sapphire Reserve could be redeemed within the following methods:

  • They are often redeemed for 1.5 cents every towards the price of a journey buy by means of Chase Journey; this will get you the next per-point worth, however you might be restricted to reserving by means of the journey portal
  • They are often transferred to Final Rewards airline and resort companions at a 1:1 ratio

Chase Final Rewards companions embody the next (together with switch ratios and occasions):

Final Rewards Switch Companion

Switch Ratio

Switch Time

Aer Lingus Aer Membership

1000 : 1000

Instantaneous

Air Canada Aeroplan

1000 : 1000

Instantaneous

Air France KLM FlyingBlue

1000 : 1000

Instantaneous

British Airways Govt Membership

1000 : 1000

Instantaneous

Emirates Skywards

1000 : 1000

Instantaneous

Iberia Plus

1000 : 1000

Instantaneous

JetBlue TrueBlue

1000 : 1000

Instantaneous

Singapore Airways KrisFlyer

1000 : 1000

~ 1 to 7 days

Southwest Fast Rewards

1000 : 1000

Instantaneous

United MileagePlus

1000 : 1000

Instantaneous

Virgin Atlantic Flying Membership

1000 : 1000

Instantaneous

IHG Rewards Membership

1000 : 1000

Instantaneous

Marriott Bonvoy

1000 : 1000

~ 1 to 2 days

World of Hyatt

1000 : 1000

Instantaneous

Chase Final Rewards switch ratios & occasions

Winner: I’d say the Chase Sapphire Reserve has the slight edge right here. I worth the 2 factors currencies the identical, but when I had to decide on, I believe I barely favor the Chase Final Rewards switch companions (because of World of Hyatt), and the “cash-out” worth when redeeming factors towards journey is increased (although with the requirement to e book by means of the portal, which is restrictive).

There are nice methods to redeem Enterprise miles and Final Rewards factors

Annual credit & ongoing perks: Enterprise X vs. Sapphire Reserve

Each playing cards provide important annual credit that largely assist offset the annual price:

The best way I view it, the Sapphire Reserve actually solely “prices” you $250 per 12 months after subtracting the $300 credit score from the $550 annual price. In the meantime, I’d argue that the Capital One Enterprise X “prices” you nothing, actually, after factoring within the minimal of $400 in worth you’ll get from the annual journey credit score and 10,000 bonus miles.

Winner: Whereas the Chase Sapphire Reserve’s $300 credit score is extra versatile, the Capital One Enterprise X wins for providing each a $300 credit score and 10,000 bonus anniversary miles, which roughly means the cardboard “prices” you nearly nothing to carry onto, in case you’re maximizing issues correctly.

Each bank cards provide beneficial annual journey credit

Lounge entry: Enterprise X vs. Sapphire Reserve

One of many main causes folks take into account selecting up a premium bank card is for lounge entry, and that is an space the place each playing cards are fairly good:

With each playing cards you may take two company into Precedence Go lounges with you, you will get credit at Precedence Go eating places, and each the first cardmember and approved customers obtain these perks.

Winner: The Capital One Enterprise X wins right here. Not solely does the cardboard have a decrease annual price, however it’s also possible to add approved customers at no cost, and so they get a Precedence Go membership as effectively. Moreover, the cardboard additionally provides entry to Plaza Premium Lounges plus entry to Capital One Lounges.

Entry Capital One Lounges with the Enterprise X

Rental automotive perks: Enterprise X vs. Sapphire Reserve

Each playing cards are Visa Infinite merchandise, which suggests they arrive with sure rental automotive perks, although there’s nonetheless a distinction:

Winner: The Enterprise X wins, because it not solely provides the usual Visa Infinite perks, but in addition top-tier standing with Hertz.

Each playing cards provide helpful rental automotive perks

Constructing a card portfolio: Enterprise X vs. Sapphire Reserve

It’s necessary to name out one aggressive benefit of the Chase Sapphire Reserve, which is the flexibility to create an unbelievable portfolio of bank cards that helps maximize your rewards. Capital One’s mileage incomes playing cards are all nice for on a regular basis spending, however alternatives to make the most of bonus classes are a bit extra restricted than with Chase.

You may pool the factors you earn on the Chase Sapphire Reserve with another superior Chase playing cards, most of which don’t have an annual price:

  • The Chase Freedom FlexSM (overview) has no annual price and provides 5x factors in rotating quarterly classes, for as much as $1,500 of spending per quarter, plus 3x factors on eating and drugstores
  • The Chase Freedom Limitless® (overview) has no annual price and provides 1.5x factors on all purchases, plus 3x factors on eating and drugstores
  • The Ink Enterprise Money® Credit score Card (overview) has no annual price and provides 5x factors on the primary $25,000 of mixed purchases per cardmember 12 months on workplace provide shops, web, cable TV, cell phones, and landlines, and 2x factors on the primary $25,000 of mixed purchases per cardmember 12 months on eating places and gasoline stations
  • The Ink Enterprise Limitless® Credit score Card (overview) has no annual price and provides a flat 1.5x factors on all purchases
  • The Ink Enterprise Most popular® Credit score Card (overview) has a $95 annual price and provides 3x factors on the primary $150,000 spent every cardmember 12 months on journey, delivery purchases, web, cable, cellphone providers, and promoting purchases made with social media websites and search engines like google and yahoo

As you may see, these playing cards are all nice enhances that may significantly enhance the tempo at which you earn Final Rewards factors. After all, this assumes that you simply’re keen to get a number of playing cards, which some folks don’t need to do.

In equity, Capital One isn’t with out pairing choices both. The Capital One SavorOne Money Rewards Credit score Card (overview) provides 3% money again on eating, grocery shops, leisure, and choose streaming providers, and the cardboard has no annual price and no overseas transaction charges. In case you have the cardboard together with the Capital One Enterprise X, then rewards could be transformed into Capital One miles on the charge of 1 cent per mile.

Winner: The Chase Sapphire Reserve wins, as you may create a way more sturdy portfolio of bank cards to maximise your rewards with spending.

Get a number of Chase bank cards to maximise your factors

Which premium bank card is healthier?

Hopefully the above is a good rundown evaluating numerous facets of the playing cards. Based mostly on the classes I in contrast (that are commonplace classes I take advantage of when evaluating playing cards), the Capital One Enterprise X wins over the Chase Sapphire Reserve. After all, there’s by no means a cut-and-dry reply as to which card is healthier, so let me attempt to present some extra particular recommendation.

Who ought to take into account the Capital One Enterprise X, who ought to take into account the Chase Sapphire Reserve, and is there a cheerful medium method to take?

Who ought to get the Capital One Enterprise X?

I believe the Capital One Enterprise X would possibly simply be the simplest to justify premium bank card ever. Not even factoring within the glorious welcome bonus:

  • The cardboard has a $395 annual price, however provides a $300 annual journey credit score and 10,000 anniversary bonus miles, so in the long term these two perks ought to roughly cowl the annual price
  • You’re then getting a card that provides a Precedence Go membership, Plaza Premium Lounge entry, and Capital One Lounge entry, not only for the first cardmember, but in addition for 4 approved customers
  • You then even have a card that has an unbeatable return on on a regular basis spending, plus provides beneficial buy safety, starting from rental automotive protection, to cellphone safety, to journey protection
  • There’s not a greater card for households, as you may add 4 relations to your card at no additional value, and so they get most of the identical perks

I don’t assume there’s a premium bank card on the market that’s simpler to justify.

The Enterprise X is the most effective card for Precedence Go

Who ought to get the Chase Sapphire Reserve?

The Chase Sapphire Reserve continues to be a well-rounded card with a superb welcome bonus. For many who spend loads on eating and journey, with the ability to earn 3x Final Rewards factors on these purchases is nice.

Moreover, in case you like reserving journey by means of a portal, redeeming factors for 1.5 cents every towards these purchases can also be a very good alternative. Moreover, in case you’re a Hyatt loyalist, you may’t beat the flexibility to transform Chase Final Rewards factors into World of Hyatt factors, as that’s not one thing that’s potential with Capital One miles.

I believe the primary cause to think about the Chase Sapphire Reserve is if you wish to construct a portfolio of Chase bank cards. That’s the place Chase actually shines.

I like Chase factors for the World of Hyatt factors switch choice

A stable hybrid technique I’d suggest

In the event you can’t resolve between the Capital One Enterprise X and Chase Sapphire Reserve, I believe there’s an thrilling different choice you may take into account. I believe there’s one thing to be stated for getting the $95 annual price Chase Sapphire Most popular® Card (overview) together with the Capital One Enterprise X, because it’s a pleasant compromise by way of annual charges.

Personally, I believe the mixture of the Enterprise X and the Sapphire Most popular is tough to beat:

  • You’ll pay a complete of $490 in annual charges between the 2 playing cards, which is decrease than the annual price of simply the Sapphire Reserve
  • You’ll obtain a $300 annual journey credit score, plus 10,000 bonus Enterprise miles in your anniversary yearly, which ought to offset all the Enterprise X annual price
  • This provides you the most effective of each worlds — a Precedence Go membership, Plaza Premium Lounge entry, and Capital One Lounge entry, for you and 4 approved customers, nice journey safety, 3x factors on eating and 2x factors on on a regular basis spending, entry to each card ecosystems, rental automotive standing, cellphone safety, and a lot extra

Backside line

The Chase Sapphire Reserve has been the preferred premium journey bank card for a very long time, although the Capital One Enterprise X has turn out to be fairly the competitor. Whereas there’s by no means a one-size-fits-all reply as to which card is finest, I do assume the Enterprise X may be very aggressive with the Sapphire Reserve, and shall be a greater choice for a lot of.

The Enterprise X annual price is way simpler to justify, provided that it’s decrease, and there are extra annual credit and miles that assist offset the price. On high of that, the Enterprise X is healthier for approved customers, as you may earn add 4 for gratis, and so they get many of the identical nice perks, together with lounge entry.

I believe there’s an argument to be made right here for the mixture of the Enterprise X and Sapphire Most popular, as that basically offers you the most effective of each worlds.

The place do OMAAT readers stand — do you like the Enterprise X or Sapphire Reserve? Or do you assume it might probably make sense to have each?

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