Capital One Enterprise X vs. Chase Sapphire Reserve: Which premium card wins out?

Should you’re searching for a premium journey rewards bank card, two in style choices are prone to pop up in your search: the Chase Sapphire Reserve® and the Capital One Enterprise X Rewards Credit score Card.

These playing cards fluctuate in relation to annual charges, incomes charges and advantages. And, in fact, every earns factors or miles in its personal foreign money. You may gather Chase Final Rewards factors with the Sapphire Reserve, when you’ll earn Capital One miles with the Enterprise X.

Whether or not you are weighing a swap from one choice to the opposite or able to apply on your first premium card, both could possibly be a stable alternative, relying in your targets and spending habits.

Let’s analyze the professionals and cons of every that will help you determine whether or not the Capital One Enterprise X or the Chase Sapphire Reserve is the cardboard for you.

Capital One Enterprise X vs. Chase Sapphire Reserve comparability

This is what to know in regards to the playing cards at first look:

*Upon enrollment, accessible by way of the Capital One web site or cell app, eligible cardholders will stay at that standing degree by way of the length of the supply. Please notice, enrolling by way of the traditional Hertz Gold Plus Rewards enrollment course of (e.g., at Hertz.com) is not going to robotically detect a cardholder as being eligible for this system and cardholders is not going to be robotically upgraded to the relevant standing tier. Extra phrases apply.

Capital One Enterprise X vs. Chase Sapphire Reserve welcome supply

New Enterprise X cardholders can earn 75,000 bonus miles after spending $4,000 within the first three months from account opening.

In the meantime, new Sapphire Reserve cardholders can earn 60,000 bonus factors after spending $4,000 within the first three months from account opening.

TPG’s March 2025 valuations put Chase Final Rewards factors at a barely greater worth than Capital One miles, due partially to Chase’s high-value switch companions. Final Rewards factors are price 2.05 cents every. Compared, Capital One miles are price 1.85 cents apiece.

Nonetheless, these valuations worth the Capital One Enterprise X‘s welcome bonus of 75,000 miles at about $1,388, and the Sapphire Reserve’s bonus of 60,000 factors at $1,230.

Winner: Capital One Enterprise X. Although Capital One miles are valued lower than Chase Final Rewards factors, the variety of miles you may earn provides this card the sting.

Associated: The perfect welcome presents at the moment accessible

Capital One Enterprise X vs. Chase Sapphire Reserve advantages

The advantages are what make these playing cards stand out above the remaining.

There is a $300 annual credit score on each playing cards, however there are some key variations to think about. The journey credit score on the Enterprise X is not versatile, as it’s a must to guide by way of Capital One Journey to be reimbursed.

The Chase Sapphire Reserve‘s credit score is easier to make use of, because it robotically applies to any journey buy as much as $300 and you do not have to guide instantly with Chase. The credit score on the Sapphire Reserve may cowl every little thing from tolls to parking meters to worldwide subways.

With regards to lounge entry, each playing cards supply a Precedence Move membership. This grants entry to over 1,700 lounges for the cardholder and as much as two friends.

Each issuers are additionally actively increasing their very own lounge networks.

Capital One Lounges and one Capital One Touchdown are at the moment open at 4 airports throughout the U.S.:

One other Capital One Lounge is on the way in which at New York’s John F. Kennedy Worldwide Airport (JFK), and one other Touchdown is scheduled to open at New York’s LaGuardia Airport (LGA).

The Enterprise X contains entry for the first cardholder and licensed customers.

Chase has its personal rising community of airport lounges, with eight lounges and one terrace:

Chase additionally plans to open lounges at LAS and Los Angeles Worldwide Airport (LAX) sooner or later.

Each playing cards additionally include ancillary advantages that won’t essentially transfer the needle for potential candidates, such because the Sapphire Reserve’s numerous DoorDash perks and the Enterprise X’s complimentary Hertz standing. Nonetheless, these perks are all price profiting from in case you determine to use for both card.

With the Enterprise X, you may get a ten,000-mile anniversary bonus every year of card membership renewal.

Moreover, each playing cards are Visa Infinite playing cards and supply high-level journey and buy protections.

Winner: Tie. Whereas the Chase Sapphire Reserve’s journey credit score is simpler to make use of, the Capital One Enterprise X presents bonus anniversary miles. Plus, since each Chase and Capital One are rising their lounge networks, the higher possibility will probably be the one with lounges at airports you frequent.

Associated: 5 methods to make sure you have lounge entry earlier than your subsequent flight

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

The Enterprise X presents 10 miles per greenback on accommodations and automobile leases and 5 miles per greenback on flights and trip leases booked by way of Capital One Journey. In the meantime, the Chase Sapphire Reserve earns 10 factors per greenback on accommodations and automobile leases and 5 factors per greenback on flights booked by way of Chase Journey after the primary $300 is spent on journey yearly.

Based on TPG’s March 2025 valuations, the Enterprise X presents an 18.5% return on accommodations and rental vehicles booked by way of Capital One’s portal, whereas the Sapphire Reserve returns 20.5% on accommodations and automobile leases booked by way of Chase Journey.

The Enterprise X presents simplicity with 2 miles per greenback on all different purchases. The Sapphire Reserve presents greater returns in sure classes, providing 3 factors per greenback on all different journey (booked outdoors of Chase Journey) and eating purchases.

Frequent vacationers will probably earn extra with the Sapphire Reserve’s bonus classes than they may with the Enterprise X’s flat-rate incomes construction.

Winner: Chase Sapphire Reserve. It presents bonus classes past journey portal bookings.

Associated: The perfect rewards bank cards for every bonus class

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

Probably the most priceless possibility for redeeming with both the Capital One Enterprise X or the Chase Sapphire Reserve is transferring factors to journey companions. Nonetheless, that is not the one method to make use of your rewards on both card.

Capital One miles and Chase Final Rewards factors can each be used for flat-rate redemptions on every respective issuer’s journey portal.

With the Chase Sapphire Reserve, your factors are price 50% extra towards any journey booked by way of Chase Journey. This makes your factors price 1.5 cents apiece. Whereas this is not as rewarding as transferring your factors to Chase’s switch companions, this redemption possibility is helpful you probably have hassle discovering award house.

In the meantime, the Enterprise X presents fixed-rate journey redemptions at simply 1 cent per mile — and whereas this may be utilized to any journey buy you cost to the cardboard, it is nonetheless notably decrease.

Each the Enterprise X and Sapphire Reserve additionally supply much less profitable redemption choices, akin to reward playing cards and money again.

Winner: Chase Sapphire Reserve. Redeeming your rewards for journey is 50% extra profitable than with the Enterprise X.

Associated: The way to strategize award redemptions

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

Transferring rewards to journey companions is one of the best ways to maximise these hard-earned factors and miles.

Each Chase and Capital One supply a powerful checklist of switch companions that make redeeming rewards the best choice.

With the Chase Sapphire Reserve, you possibly can switch your Final Rewards factors at a easy 1:1 ratio. Then again, the Capital One miles program has companions that switch at a 1:1 ratio for essentially the most half, however there are a few exceptions that switch at a much less favorable ratio.

Chase presents 14 airline and resort switch companions, which embody Air Canada Aeroplan, Air France-KLM Flying Blue and United MileagePlus, to call a couple of.

In the meantime, Capital One has 15-plus switch companions. Some notable names embody Turkish Airways Miles&Smiles, Avianca LifeMiles and Etihad Visitor.

Danyal persistently transfers his Final Rewards factors to companions to redeem them for optimum worth. He not too long ago transferred factors to Air Canada Aeroplan, profiting from a switch bonus to guide a business-class flight for 58,000 miles on Swiss to fly residence from Zurich to Los Angeles.

Winner: Tie. Regardless of Capital One having extra switch companions, not all transfers happen at a 1:1 ratio.

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

Should you worth broader incomes potential and a versatile journey credit score, the Chase Sapphire Reserve is an effective alternative. Then again, in case you choose paying a decrease annual charge and continuously journey out of an airport with a Capital One Lounge, the Capital One Enterprise X is ideal.

Backside line

Each the Capital One Enterprise X Rewards Credit score Card and the Chase Sapphire Reserve have their very own strengths and weaknesses, so it is unattainable to generalize which card comes out on prime. Nonetheless, for a way more manageable annual charge, the Enterprise X is a incredible providing — in case you do not thoughts utilizing the journey portal to unlock most of the advantages on the cardboard.

For many who choose to guide instantly with journey suppliers, the Chase Sapphire Reserve is probably going the higher possibility for you — however at the price of the next $550 annual charge.

To study extra, take a look at our full opinions of the Capital One Enterprise X and Chase Sapphire Reserve.

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Study extra: Capital One Enterprise X Rewards Credit score Card
Apply right here: Chase Sapphire Reserve

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For Capital One merchandise listed on this web page, among the advantages could also be supplied by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.