Enterprise X Enterprise vs. Sapphire Reserve for Enterprise

It is value reserving a spot in your pockets for a premium enterprise card (or two).

The suitable possibility can present lounge entry, an excellent welcome bonus, helpful assertion credit and robust protections. The improper selection, nonetheless, can depart your backside line needlessly burdened by an annual charge you do not get any worth out of.

With the $795 Chase Sapphire Reserve for Enterprise℠ (see charges and costs) being one of the vital costly enterprise playing cards from any of the foremost issuers, it is cheap to marvel if the much-cheaper $395 Capital One Enterprise X Enterprise is a higher match in your pockets.

Each of those playing cards present assertion credit, lounge entry and strong incomes charges to assist entice potential cardholders and maintain current ones.

The Enterprise X Enterprise provides a better diploma of simplicity with its advantages, whereas the Sapphire for Enterprise is a good match for enterprise homeowners who like fine-tuning their funds.

Let’s get right down to the nitty-gritty of those playing cards so you possibly can resolve which is finest for you.

Capital One Enterprise X Enterprise vs. Chase Sapphire Reserve for Enterprise comparability

Capital One Enterprise X Enterprise vs. Chase Sapphire Reserve for Enterprise welcome provide

With the Enterprise X Enterprise, new cardholders can earn 150,000 bonus miles after spending $30,000 on purchases inside the first three months from account opening.

In accordance with TPG’s April 2026 valuations, that is $2,775 in worth when these miles are transferred to companions.

The Sapphire Reserve for Enterprise provides new cardholders 150,000 bonus factors after spending $20,000 on purchases inside the first three months from account opening.

In accordance with TPG’s April 2026 valuations, 150,000 Chase Final Rewards factors are value $3,075.

Word that Chase’s eligibility necessities for the welcome bonuses on its client Sapphire playing cards do not apply to the Sapphire Reserve for Enterprise. So, even when you have already got one or each of the patron Sapphire playing cards, you possibly can earn the welcome bonus on this card.

Winner: Sapphire Reserve for Enterprise. It earns the identical quantity of factors with a decrease spending requirement.

Capital One Enterprise X Enterprise vs. Chase Sapphire Reserve for Enterprise advantages

This is the place issues actually begin to get fascinating between these two playing cards.

With its $395 annual charge, the Enterprise X Enterprise provides fewer advantages than the $795 annual charge Sapphire Reserve for Enterprise. Nonetheless, these advantages are easier to trace and suited to a wider vary of companies.

Assertion credit

The Enterprise X Enterprise solely provides two notable assertion credit: A International Entry/TSA PreCheck credit score and an annual $300 Capital One Enterprise Journey credit score.

The Sapphire Reserve for Enterprise asks cardholders to interrupt out the spreadsheet to maintain monitor of all its credit:

• $300 journey credit score: This credit score is an identical to the Chase Sapphire Reserve®‘s (see charges and costs) beloved journey credit score. It may be used for a variety of purchases, not simply these booked by way of Chase Journey.
• $500 annual The Edit credit score (minimal two-night keep required, as much as two $250 assertion credit): The Edit is Chase’s luxurious resort assortment. Along with this assertion credit score, cardholders will get a $100 on-property credit score, early check-in, late checkout and extra.
• One as much as $250 assertion credit score for eligible Chase Journey resort bookings: By means of Dec. 31 at eligible properties
• $120 assertion credit score for International Entry, TSA PreCheck or Nexus: I all the time advise going for International Entry because it contains TSA PreCheck, so I do not knock the Enterprise X Enterprise right here for not overlaying Nexus with its credit score.
• Complimentary DoorDash DashPass membership and as much as $25 every month in DoorDash promos (activate by Dec. 31, 2027)
• As much as $200 annual Google Workspace credit score (ends Dec. 31, 2027)
• As much as $400 ZipRecruiter credit score (as much as $200 biannually; ends Dec. 31, 2027)
• As much as $120 annual Lyft credit score (as much as $10 month-to-month; ends Sept. 30, 2027)
• As much as $100 Giftcards.com credit score (as much as $50 biannually; ends Oct. 31, 2028)

If your corporation makes use of these retailers already, then the Sapphire Reserve for Enterprise is probably going a greater match for you than the Enterprise X Enterprise.

Nonetheless, companies that do not gravitate towards these retailers will wrestle to get constructive worth out of the Sapphire Reserve for Enterprise’s annual charge.

Whereas the Reserve for Enterprise’s $300 journey credit score is far more versatile than the Enterprise X Enterprise’s $300 Capital One Enterprise Journey credit score, the Enterprise X Enterprise’s credit score does much more to knock down its annual charge versus the Reserve for Enterprise’s.

Talking of flattening annual charges, the Reserve for Enterprise’s perks whole $3,000 in worth. Meaning companies that may make the most of them will recoup virtually 4 instances the worth again from their card’s annual charge every year.

Associated: Month-to-month guidelines: Bank card perks and advantages you ought to be utilizing this month

Lounge entry

Lounge entry is a coveted profit for premium cardholders.

The Reserve for Enterprise and the Enterprise X Enterprise each fulfill right here, with every card offering a Precedence Go Choose membership and entry to its issuer’s community of lounges.

Capital One’s lounge community is smaller than Chase’s lounges in the meanwhile, however your desire will come right down to which airports you fly by way of most frequently.

You possibly can carry two company into Sapphire lounges without cost together with your Reserve for Enterprise, however the Enterprise X Enterprise does not provide this perk until you spend $75,000 in a calendar 12 months.

Different advantages

The Enterprise X Enterprise does not present resort standing, whereas the Sapphire Reserve for Enterprise grants cardholders complimentary IHG One Rewards Platinum Elite standing (by way of Dec. 31, 2027).

In the event you spend at the least $120,000 in your card in a 12 months, you may be upgraded to IHG One Rewards Diamond Elite standing.

The identical $120,000 in spending may also get you a $500 The Outlets at Chase credit score, a $500 credit score for Southwest Airways flights booked by way of Chase Journey and Southwest Speedy Rewards A-Listing standing.

Despite the fact that Enterprise X Enterprise cardholders do not obtain any particular advantages for spending a certain quantity, I do not take into account this a win for the Reserve for Enterprise. These further perks are missing for the exorbitant spending requirement.

One in every of my favourite advantages of the Enterprise X Enterprise is one thing the Reserve for Enterprise cannot match: a ten,000-mile anniversary bonus. You will obtain this no matter how a lot you spent the earlier 12 months. In accordance with TPG’s April 2026 valuations, these 10,000 miles are value $185.

Each playing cards are pretty aligned when it comes to safety. They each provide journey delay insurance coverage, misplaced baggage insurance coverage, buy safety, cellphone safety and prolonged guarantee.

The Sapphire Reserve for Enterprise provides a couple of further journey protections, equivalent to journey accident insurance coverage and emergency medical and dental protection, plus return safety.

The Enterprise X Enterprise provides ride-hailing safety, a rarity on premium playing cards.

Winner: Tie. Utilizing the Enterprise X Enterprise’s advantages requires much less work, however the Sapphire Reserve for Enterprise has extra intensive journey safety and plenty of extra assertion credit.

Associated: The 5 best journey credit to redeem

Incomes rewards with the Capital One Enterprise X Enterprise vs. Chase Sapphire Reserve for Enterprise

Each playing cards hit the identical classes, however the Sapphire Reserve for Enterprise provides extra incomes classes past what the Enterprise X Enterprise has.

With the Enterprise X Enterprise, you may earn:

• 10 miles per greenback spent on accommodations and rental automobiles booked by way of Capital One Enterprise Journey
• 5 miles per greenback spent on flights and vacatio leases booked by way of Capital One Enterprise Journey
• 2 miles per greenback spent on all different purchases

On the opposite aspect, the Reserve for Enterprise earns:

• 8 factors per greenback spent on all Chase Journey purchases
• 5 factors per greenback spent on Lyft (by way of Sept. 30, 2027)
• 4 factors per greenback spent on flights and accommodations booked instantly
• 3 factors per greenback spent on social media and search engine promoting
• 1 level per greenback spent on all different purchases

Neither of those playing cards earns important rewards per greenback spent on workplace provides, web, cable or cellphone providers.

I actually admire the Reserve for Enterprise’s no-limit spending cap for its promoting class, since this can be a frequent barrier issuers (together with Chase) usually placed on their enterprise playing cards.

For nonbonus spending, the Enterprise X Enterprise is the clear winner with 2 miles per greenback spent.

In the event you do not spend quite a bit within the Reserve for Enterprise’s classes, the Enterprise X Enterprise can nonetheless earn you a heap of rewards. That stated, most companies will get plenty of use out of the Reserve for Enterprise’s roster of classes.

Winner: Sapphire Reserve for Enterprise. It provides extra spending classes, together with a uncommon uncapped promoting class.

Associated: Maximizing bank cards to change into points-rich with out spending a ton

Redeeming rewards with the Enterprise X Enterprise vs. Chase Sapphire Reserve for Enterprise

Right here at TPG, we preach about prioritizing switch companions over some other redemption methodology. That rings true right here as nicely.

If switch companions aren’t your fashion, you have got different choices. With the Enterprise X Enterprise, you possibly can redeem your miles for:

• Reserving journey by way of Capital One Enterprise Journey
• Protecting current journey purchases
• Present playing cards
• Amazon and PayPal purchases
• A press release credit score or verify

In the meantime, Sapphire Reserve for Enterprise cardholders can redeem their factors for the next:

• Chase Journey bookings
• Present playing cards
• Amazon purchases
• Apple purchases
• Assertion credit

Usually, these choices will yield a decrease redemption worth than TPG’s goal worth for these rewards currencies.

The one exception is while you make eligible bookings by way of Chase Journey utilizing Chase’s Factors Enhance function.

With the Sapphire Reserve for Enterprise, your factors may very well be value as a lot as 2 cents per level, relying on the reserving you are making. That is near TPG’s April 2026 valuation of Chase factors at 2.05 cents per level.

Winner: Sapphire Reserve for Enterprise. Factors Enhance provides the possibility to get extra worth out of your rewards than some other redemption possibility, apart from transferring your rewards to companions.

Transferring rewards with the Capital One Enterprise X Enterprise vs. Chase Sapphire Reserve for Enterprise

The switch accomplice battle primarily comes right down to which issuer provides the companions you like to redeem with.

For instance, if you happen to primarily fly domestically, you may wish to search for an issuer that companions with probably the most home airways.

Capital One presently provides the next switch companions:

Of those switch companions, Chase lacks most of them. Chase and Capital One solely share Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Membership, JetBlue TrueBlue, Singapore KrisFlyer and Wyndham Rewards between them.

In change for what they do not have, Chase provides:

As a significant United Airways and Hyatt fan, I am keen on Chase’s switch accomplice roster. However this selection is very subjective, so make certain to rigorously take into account which companions your corporation can simply use.

We usually suggest transferring your factors or miles to companions to get probably the most worth out of your redemption.

TPG bank cards author Augusta Stone likes to redeem Capital One miles for short-haul home flights, equivalent to when she used 15,000 Capital One miles by way of Air France-KLM Flying Blue to ebook two one-way Delta Air Traces flights between Greenville-Spartanburg Worldwide Airport (GSP) and Detroit Metropolitan Wayne County Airport (DTW).

TPG managing editor for bank cards Giselle Gomez scored seven nights on the Lindner Resort Vienna Am Belvedere throughout peak summer time (June) by transferring 56,000 Final Rewards factors to Hyatt. This might have in any other case value her near $1,300.

Winner: Tie. Each playing cards provide switch companions that the opposite does not, so the final word selection comes down to non-public desire.

Ought to I get the Capital One Enterprise X Enterprise or Chase Sapphire Reserve for Enterprise?

Though the Sapphire Reserve for Enterprise wins in most of those classes, I like to recommend going with the Enterprise X Enterprise if you happen to do not repeatedly spend with the retailers lined by the Reserve for Enterprise’s credit.

In the event you spend closely on promoting or with the retailers lined by the Reserve for Enterprise’s advantages, that card is the proper selection for you.

Associated: Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise: Three-way card showdown

Backside line

The Enterprise X Enterprise and the Sapphire Reserve for Enterprise are two nice choices for companies on the lookout for a premium card.

Every has its personal execs and cons, so it is necessary to rigorously weigh them earlier than deciding.

If your corporation has the funds for 2 annual charges, it might even be value opening each of those playing cards. I all the time advocate for dipping into a number of rewards ecosystems, so you have got entry to the widest vary of switch companions.

Whatever the path you select, these two playing cards can unlock unimaginable journey experiences and enterprise financial savings for you and your workers.

To be taught extra, take a look at our full opinions of the Enterprise X Enterprise and the Sapphire Reserve for Enterprise.

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Study extra: Capital One Enterprise X Enterprise
Apply right here: Chase Sapphire Reserve for Enterprise

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For Capital One merchandise listed on this web page, a few of 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.