Enterprise X Enterprise vs. Amex Enterprise Platinum vs. the Sapphire Reserve for Enterprise

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 provide price $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 provide price $4,100.

Winner: Sapphire Reserve for Enterprise. Its welcome provide is price essentially 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

This is a take a look at the advantages of every card at first look:

*****Eligibility and profit stage varies by card. Not all automobile varieties or leases are lined, and geographic restrictions apply. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable by means of American Categorical Journey Associated Providers Firm, Inc.

******Eligibility and profit stage varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If authorized and coordinated by Premium World Help Hotline, emergency medical transportation help could also be offered for gratis. In every other circumstance, cardmembers are liable for the prices charged by third-party service suppliers.

*******Eligibility and profit stage varies by card. Phrases, situations 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, situations 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 fluctuate by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars.

^^^Upon enrollment, accessible by means of the Capital One web site or cell app, eligible cardholders will stay at that standing stage by means of the period of the provide. Please observe, enrolling by means of the traditional 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

Every card’s standout profit is lounge entry. The Amex Enterprise Platinum takes the cake, because it has unequalled lounge entry with the World Lounge Assortment. Nonetheless, the Enterprise X Enterprise and the Sapphire Reserve for Enterprise provide wonderful 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 Go membership.

Moreover, the Sapphire Reserve for Enterprise provides the perfect visitor lounge entry, palms down. Cardholders can deliver 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 present herald 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 Go lounges.

Moreover, every card has some variation of an annual journey credit score. The Amex Enterprise Platinum is essentially the most restrictive, as it’s an airline incidentals credit score, and it’s a must to designate one airline to apply it to. It covers issues like checked luggage and seat assignments, however it usually 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 it’s a must to e book journey through the Capital One Journey portal. Lastly, the Chase Sapphire Reserve for Enterprise has the simplest credit score to make use of, as it’ll 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 by means of a journey portal.

All these playing cards even have quite a few lodge perks, with two together with automated elite standing and all of them accessing luxurious lodge reserving platforms like Capital One’s Premier Assortment and Life-style Assortment, Chase’s The Edit and American Categorical’ High quality Lodges + Resorts and The Resort Assortment. When reserving by means of these platforms, you may obtain elitelike advantages and on-property credit.

Lastly, all three playing cards have wonderful journey and buy protections. The Amex Enterprise Platinum and the Sapphire Reserve for Enterprise provide 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 essentially the most strong protections.

Winner: Chase Sapphire Reserve for Enterprise. It barely beats the Amex Enterprise Platinum within the whole 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

• 10 miles per greenback spent on motels and rental automobiles booked by means of Capital One Journey (18.5% return primarily based on TPG’s July 2025 valuations)
• 5 miles per greenback spent on flights and trip leases booked by means of 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 motels booked with amextravel.com (10% return primarily based 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. — building 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 essentially the most bonus classes incomes:

• 8 factors per greenback spent on Chase Journey purchases (16.4% return primarily based on TPG’s July 2025 valuations)
• 5 factors per greenback spent on eligible Lyft rides by means of Sept. 30, 2027 (10.25% return)
• 4 factors per greenback spent on flights and motels booked straight (8.2% return)
• 3 factors per greenback spent on promoting purchases made with social media websites and serps (6.15% return)
• 1 level per greenback spent on all different purchases (2.05% return)

The Enterprise X Enterprise provides the best earnings with miles, and you will earn not less than 2 miles on each buy. The Amex Enterprise Platinum incomes charges will not be the strongest, as they solely provide bonus earnings of greater than 1 level per greenback spent on purchases over $5,000 and flights and motels booked by means of Amex Journey. These incomes charges could be limiting for companies when you do not routinely have giant purchases or wish to e book journey by means of an internet journey company.

The Sapphire Reserve for Enterprise provides essentially the most bonus-earning classes and generally is a nice possibility for companies with excessive promoting spending, as there isn’t a spending cap on the promoting bonus class. Moreover, the Reserve for Enterprise provides companies the flexibleness to e book motels and flights straight and earn essentially the most bonus rewards out of the three playing cards.

Winner: Chase Sapphire Reserve for Enterprise. It provides essentially the most bonus classes and is the one card with elevated earnings on promoting and direct lodge and flight purchases.

Associated: Finest bank cards for promoting

Redeeming rewards on the Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise

All three playing cards have switch companions in every of the three main airline alliances: Oneworld, SkyTeam and Star Alliance. Moreover, each card has not less than one home airline switch companion.

The Enterprise X Enterprise lets you redeem miles at 1 cent per mile for journey booked through 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 possibly can redeem factors to cowl purchases at 0.60 cents per level, or you should utilize them to e book journey through Amex Journey at a charge of 0.70 cents per level for pay as you go motels 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 through Amex Journey. Nonetheless, this perk has been devalued, and beginning Sept. 18, you may solely be capable of 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 by means of Chase Journey℠ at a worth of as much as 2 cents per level, relying on the particular redemption, with the brand new Factors Enhance redemption function. Factors Enhance provides elevated redemption charges of greater than 1 cent per level on choose Chase Journey redemptions. Choose flight and lodge redemptions could be made at a charge between 1.5 to 2 cents per level.

Winner: Chase Sapphire Reserve for Enterprise. Your factors with Chase are doubtlessly price essentially the most when redeeming by means of a journey portal.

Associated: Cashing in Capital One miles? Find out how to 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 guess for the best redemption worth is to switch your rewards to companions.

Amex Enterprise Platinum Card members have entry to Amex’s roster of 18 airways and three lodge companions. Well-liked 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 reap the benefits of 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. Well-liked companions embody British Airways Membership, Southwest Fast Rewards and World of Hyatt.

Winner: Chase Sapphire Reserve for Enterprise. The Chase enterprise card takes the sting, because it provides excellent worth with lodge companions and is the one card to have World of Hyatt as a companion.

Associated: Bank card switch companions: Information to transferring factors and miles to airways and motels

Ought to I get the Enterprise X Enterprise, Amex Enterprise Platinum or Sapphire Reserve for Enterprise?

Nonetheless, if you’d like extra perks like assertion credit, automated elite standing and the perfect lounge entry, the Amex Enterprise Platinum is your decide.

If you would like lounge entry with the perfect visitor entry and essentially the most bonus earnings classes, you need to go for the Sapphire Reserve for Enterprise.

Backside line

In case you’re in search of a enterprise rewards card, these choices are all nice. Any of them can be a strong addition to your pockets. The Enterprise X Enterprise has a a lot decrease annual charge and comes loaded with perks; nevertheless, the Amex Enterprise Platinum and the Chase Sapphire Reserve for Enterprise merely provide extra worth with extra assertion credit and elite standing. In case you’re actually trying to maximize factors and miles incomes potential, you would add two and even all three playing cards to your pockets.