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. In the event you’re on the lookout 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 forex that they earn and varied travel-related advantages. With the Sapphire Most well-liked, you will 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 price, and the Enterprise X has a $395 annual price.
Having the next annual price doesn’t suggest the Enterprise X is mechanically the higher card, because the Sapphire Most well-liked is kind 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
| Function | Chase Sapphire Most well-liked | Enterprise X |
|---|---|---|
| Annual price | $95 | $395 |
| Welcome bonus | Final probability: Earn 100,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. This provide ends Might 15 at 9 a.m. EDT. | Earn 75,000 bonus miles after spending $4,000 on purchases 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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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 Might 15 at 9 AM EDT.
TPG’s Might 2025 valuations peg the worth of Final Rewards factors at 2.05 cents apiece, making this welcome provide price $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 Might 2025 valuations peg the worth of Capital One miles at 1.85 cents apiece, making this provide price $1,388.
Winner: Sapphire Most well-liked. Its welcome provide is price over $600 extra.
Associated: Greatest bank card welcome gives this month
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Sapphire Most well-liked vs. Enterprise X advantages
Each playing cards provide comparable advantages, equivalent to no international transaction charges, procuring and journey protections, and first rental automotive insurance coverage.
The Sapphire Most well-liked gives cardholders:
In the meantime, advantages distinctive to the Enterprise X embrace:
Whereas the Enterprise X’s journey credit score cannot be used exterior Capital One Journey, it ought to nonetheless be comparatively straightforward to make use of.
The Enterprise X offers wonderful lounge entry through entry to greater than 1,300 Precedence Go lounges and Capital One’s small however mighty community of 5 lounges (4 lounges and one Capital One Touchdown). Cardholders can convey two visitors over 2 years of age with them for no extra cost. Entry is included for the first cardholder and approved customers.
The Enterprise X additionally contains 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 offers considerably extra worth with the $300 Capital One Journey credit score on bookings by means of Capital One Journey, anniversary bonus miles, lounge entry, TSA PreCheck/International Entry credit score and automated elite standing, however that is to be anticipated, because it has greater than quadruple the annual price of the Sapphire Most well-liked.
Associated: Why you must add approved 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 means of Chase Journey
- 5 factors per greenback spent on Lyft purchases (by means of Sept. 30, 2027)
- 5 factors per greenback spent on Peloton tools and accent purchases of $150 or extra (by means 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 means of Chase Journey
- 1 level per greenback spent on every thing else
In the meantime, the Enterprise X earns:
- 10 miles per greenback spent on resorts and rental vehicles booked by means of Capital One Journey
- 5 miles per greenback spent on flights and trip leases booked by means 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 means of their respective portals, however this might not be helpful to most, as I typically do not advocate reserving by means of journey portals.
Whereas the Sapphire Most well-liked has extra bonus-earning classes, some are quite area of interest. It does earn 3 factors per greenback spent in a couple of choose bonus classes, together with eating. Nevertheless, the Enterprise X’s simplicity is unmatched, as you will 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 offers simplicity with its earnings.
Associated: Why I like my Chase Sapphire Most well-liked Card — and can at all times preserve 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 hard and fast worth in every issuer’s respective journey portal, in addition to for reward playing cards and money again (although the latter two choices present the worst redemption worth).
With the Sapphire Most well-liked, your factors are price 25% extra if you redeem them for any journey booked through Chase Journey. Whereas that is nonetheless lower than TPG’s Might 2025 valuation of Final Rewards factors, this can be a stable backup redemption choice for those who’re having hassle discovering award availability.
With the Enterprise X, you possibly can redeem miles at a hard and fast fee of 1 cent per mile for all travel-related purchases made in your card or for journey booked by means of Capital One Journey.
Winner: Sapphire Most well-liked. When redeeming factors by means of Chase Journey, factors are price 1.25 cents a chunk, whereas redeeming miles through Capital One Journey or for journey purchases are solely price 1 cent apiece.
Transferring rewards with the Sapphire Most well-liked vs. Enterprise X
Transferring rewards you earn from both card offers most redemption worth.
I usually switch my Final Rewards factors to World of Hyatt, as this system nonetheless makes use of a fixed-price award chart and offers me with excellent worth when touring to well-liked 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 value me over $900.
With Capital One, you will have entry to 15-plus airline and lodge companions. Nevertheless, not all companions, equivalent to EVA Airways, switch at a 1:1 ratio; for that accomplice, 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 it’s also possible to use to e-book home flights.
Augusta Stone, a bank cards author at TPG, lately 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 accomplice and two home airline companions, and all of its switch ratios are at a 1:1 fee.
Associated: Methods to redeem Chase Final Rewards factors for optimum worth
Ought to I get the Sapphire Most well-liked or Enterprise X?
In the event you want stable journey protections for a decrease annual price and extra domestic-based switch companions, then I say the Sapphire Most well-liked is the way in which to go. Nevertheless, for those who’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 received the TPG Award for Greatest Premium Journey Credit score Card
Backside line
Both or each playing cards could possibly be nice additions to your pockets, relying on which card and advantages finest fit your way of life and journey wants.
To be taught extra, learn our full evaluations of the Chase Sapphire Most well-liked and the Capital One Enterprise X.
Apply right here: Chase Sapphire Most well-liked Card
Study extra: Capital One Enterprise X Rewards Credit score Card
For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and should range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
*Upon enrollment, accessible by means of the Capital One web site or cell app, eligible cardholders will stay at that standing degree by means of the period of the provide. Please be aware, enrolling by means of the traditional 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. Extra phrases apply.
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