The Enterprise Platinum Card® from American Categorical has lengthy stood on the prime of the journey rewards enterprise card market, with the one important competitors coming from the Capital One Enterprise X Enterprise — till lately.
Chase lastly entered the premium enterprise card market and is offering Amex with some stiff competitors with the introduction of the Chase Sapphire Reserve for Enterprise℠ (see charges and costs).
These playing cards share many similarities and some key variations. Let’s have a look at how these two powerhouse enterprise playing cards stack up towards one another and which one it is best to add to your pockets.
Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise comparability
| Amex Enterprise Platinum | Sapphire Reserve for Enterprise | |
|---|---|---|
| Annual payment | $695 (see charges and costs) | $795 |
| Welcome provide | Earn 150,000 bonus factors after spending $20,000 on eligible purchases throughout the first three months of card membership. | Earn 200,000 bonus factors after spending $30,000 on purchases within the first six months from account opening. |
| Incomes charges |
|
|
| Assertion credit |
Enrollment is required for choose advantages, and phrases apply. |
|
| Lounge entry |
|
|
| Different advantages |
Enrollment is required for choose advantages, and phrases apply. |
|
| Journey and buy protections |
|
|
*Eligibility and profit stage differ by card. Not all car sorts or leases are lined, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable via American Categorical Journey Associated Companies Firm, Inc.
**Eligibility and profit stage differ by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If accepted and coordinated by Premium World Help Hotline, emergency medical transportation help could also be offered for gratis. In every other circumstance, cardmembers are answerable for the prices charged by third-party service suppliers.
***Eligibility and profit stage differ by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
****Eligibility and profit stage differ by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise welcome provide
Each playing cards’ welcome provide worth properly surpasses the annual payment price by at the least 4 instances.
With the Amex Enterprise Platinum, you will earn 150,000 bonus factors after spending $20,000 on purchases throughout the first three months of card membership.
Each day E-newsletter
Reward your inbox with the TPG Each day e-newsletter
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
This provide is price $3,000 primarily based on TPG’s July 2025 valuations, as Membership Rewards factors are price 2 cents apiece.
In the meantime, 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 of account opening.
This provide is price $4,100 primarily based on TPG’s July 2025 valuations, as Chase Final Rewards factors are price 2.05 cents apiece.
Winner: Sapphire Reserve for Enterprise. Its welcome provide is price over $1,000 greater than the Amex Enterprise Platinum’s.
Associated: Finest welcome provides of the month
Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise advantages
At first look, right here is how these two playing cards’ advantages stack up:
| Amex Enterprise Platinum | Sapphire Reserve for Enterprise | |
|---|---|---|
| Assertion credit |
Enrollment is required for choose advantages, and phrases apply. |
|
| Lounge entry |
|
|
| Different advantages |
Enrollment is required for choose advantages, and phrases apply. |
|
| Journey and buy protections |
|
|
*Eligibility and profit stage differ by card. Not all car sorts or leases are lined, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable via American Categorical Journey Associated Companies Firm, Inc.
**Eligibility and profit stage differ by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If accepted and coordinated by Premium World Help Hotline, emergency medical transportation help could also be offered for gratis. In every other circumstance, cardmembers are answerable for the prices charged by third-party service suppliers.
***Eligibility and profit stage differ by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
****Eligibility and profit stage differ by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
Lounge entry
Each playing cards’ standout profit is lounge entry. With the Amex Enterprise Platinum, you will have entry to the World Lounge assortment, which incorporates:
- Centurion Lounges
- Precedence Move lounges (eating places not included)
- Aspire lounges
- Escape Lounges
- Plaza Premium lounges
- Delta Sky Golf equipment (when touring on same-day Delta Air Traces flights on a non-basic financial system ticket; eligible Platinum Card members will obtain 10 visits per eligible Platinum Card, per yr to the Delta Sky Membership or to a grab-and-go location when touring on a same-day Delta-operated flight, except you spend $75,000 or extra per calendar yr to unlock limitless visits).
Nonetheless, with Amex’s flagship lounges, the Centurion Lounges, visitor entry isn’t included. You will have to spend $75,000 or extra every calendar yr to realize entry for 2 complimentary company.
In the meantime, with the Sapphire Reserve for Enterprise, you are allowed two complimentary company at Chase’s flagship Sapphire lounges. There are at present 25 open Centurion lounges with 4 extra on the best way, whereas there are eight Sapphire lounges with plans for 3 extra.
Assertion credit and different advantages
Moreover, each playing cards include an array of annual assertion credit to give you further worth. Probably the most notable credit score on the Amex Enterprise Platinum is the as much as $200 in annual airline incidental credit score on a delegated airline of your alternative, which covers issues like baggage charges, seat choice, upgrades, and inflight meals and beverage purchases.
It would not cowl ticket purchases, although some on-line discussion board customers have reported with the ability to purchase choose flights and have the credit score set off.
Then again, the Sapphire Reserve for Enterprise has a really versatile annual $300 journey credit score. It would cowl something Chase defines as journey, comparable to parking, taxis and tolls, and would not require reserving via a journey portal.
Moreover, every card has different travel- and business-centric credit that may present properly over $1,200 in worth yearly.
Each playing cards additionally shine with lodge advantages, together with assertion credit and elite standing. The Amex Enterprise Platinum confers computerized Hilton Honors and Marriott Bonvoy Gold elite standing. Plus, you will obtain an up-to-$200 (as much as $50 per quarter) Hilton credit score every calendar yr.
The Sapphire Reserve for Enterprise provides computerized IHG Platinum Elite standing (via Dec. 31, 2027). Which lodge standing is extra beneficial for you relies on which lodge chain you favor to stick with, however if you happen to’re model agnostic, the Enterprise Platinum could also be a more sensible choice as a result of it provides elite standing at two separate manufacturers.
You may additionally obtain an up-to-$500 annual (as much as $250 biannually) credit score for The Edit by Chase Journey, Chase’s luxurious lodge reserving platform (minimal two-night keep required). When reserving via The Edit, you’ll nonetheless obtain any lodge loyalty elite advantages and earnings regardless of reserving via an internet journey company.
With the Enterprise Platinum, you will even have entry to American Categorical Advantageous Inns + Resorts and The Resort Assortment (minimal two-night keep for THC).
Lastly, each playing cards present wonderful journey and buy protections, however the Sapphire Reserve for Enterprise takes the slight edge because it gives complimentary main rental automobile insurance coverage.
Winner: Sapphire Reserve for Enterprise. It contains complimentary visitor entry to Sapphire lounges, its annual journey credit score is simpler to make use of and it gives barely higher journey protections.
Associated: Chase Sapphire Reserve assertion credit: What they’re and use them
Incomes factors on the Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
Each playing cards earn beneficial transferable factors that enable for excessive flexibility when it comes time to redeem your factors.
With the Amex Enterprise Platinum you will earn:
- 5 factors per greenback spent on flights and pay as you go lodges booked via Amex Journey (a ten% 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 delivery suppliers — on as much as $2 million of purchases in a calendar yr, then 1 level per greenback (3% return)
- 1 level per greenback spent on different purchases (1% return)
In the meantime, with the Sapphire Reserve for Enterprise you will earn:
- 8 factors per greenback spent on Chase Journey purchases (a 16.4% return primarily based on TPG’s July 2025 valuations)
- 5 factors per greenback spent on eligible Lyft rides via Sept. 30, 2027 (a ten.25% return)
- 4 factors per greenback spent on flights and lodges booked straight (an 8.2% return)
- 3 factors per greenback spent on promoting purchases made with social media websites and search engines like google and yahoo (a 6.15% return)
- 1 level per greenback spent on all different purchases (a 2.05% return)
The Sapphire Reserve for Enterprise takes the cake because it has nearly double the bonus classes of the Amex Enterprise Platinum. Relating to journey, the Sapphire Reserve for Enterprise earns 4 factors per greenback spent on flights and lodges booked straight, whereas with the Enterprise Platinum, you will earn 5 factors per greenback spent, however it’s a must to ebook via the Amex Journey portal for flights and pay as you go lodges.
I favor the pliability of not having to ebook via a journey portal, so I might fortunately sacrifice the 1 level. Moreover, the Sapphire Reserve for Enterprise provides increased incomes charges than the Amex Enterprise Platinum on journey booked via every issuer’s respective journey portal.
Moreover, enterprise house owners with excessive promoting spending will respect the three factors per greenback spent the Sapphire Reserve for Enterprise provides on promoting. This bonus class has no spending cap, in contrast to most different playing cards with this bonus class.
The Amex Enterprise Platinum does come out forward on purchases in choose enterprise classes and on giant purchases of $5,000 or extra, as you will earn 1.5 factors per greenback spent on as much as $2 million of purchases every calendar yr (then 1 level per greenback spent).
Winner: Sapphire Reserve for Enterprise. It provides extra bonus classes and the power to earn bonus rewards on flights and lodges booked straight, and uncapped bonus earnings on promoting spending.
Associated: Enterprise playing cards vs. private playing cards: Key variations
Redeeming factors on the Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
Each the Amex Enterprise Platinum and Sapphire Reserve for Enterprise provide a number of methods to redeem your factors, together with for a press release credit score, present playing cards and to ebook journey via every issuer’s respective journey portal.
Regardless of the various choices for redeeming factors, these strategies do not yield the best return and ought to be averted. The best return comes from transferring factors to journey companions.
On the Amex Enterprise Platinum, you may redeem factors to cowl purchases at a poor charge of 0.6 cents per level or use them to ebook pay as you go lodge and flights by way of Amex Journey at a lackluster charge of 0.7 cents per level for lodges and 1 cent per level for flights.
Nonetheless, you will get extra worth to your factors utilizing the Pay with Factors function that provides you 35% of your factors again (as much as 1 million factors per yr) if you ebook economy-class flights in your designated airline or business-class and first-class flights on any airline by way of Amex Journey.
This Pay with Factors function can be modified beginning Sept. 18, with a significant devaluation, as you will solely be capable of get factors again on designated airways in any cabin class.
With the Sapphire Reserve for Enterprise, you may redeem your factors to ebook via Chase Journey at an elevated worth of as much as 2 cents per level, relying on the particular redemption, with the brand new Factors Enhance function. Factors Enhance provides cardholders elevated redemption charges increased than 1 cent per level on choose Chase Journey redemptions, together with choose flight and lodge redemptions.
The Edit stays could be booked at a charge of two cents per level, and choose flight redemptions could be booked at a charge between 1.5 and a pair of cents per level. Moreover, you may redeem factors at a charge of 1 cent per level for money again and present playing cards (Chase typically has provides the place you will get increased than 1 cent per level on present card redemptions).
Winner: Sapphire Reserve for Enterprise. Each playing cards provide elevated redemption charges when reserving choose journey via their respective journey portals; nonetheless, the Sapphire Reserve for Enterprise takes the slight edge as you may usually redeem factors for higher worth.
Associated: Who ought to get the Chase Sapphire Reserve for Enterprise card?
Transferring factors on the Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
One of the best redemption possibility for both card is transferring rewards to companions. Every issuer has its personal intensive community of switch companions that may present outsize worth.
The factors earned on the Amex Enterprise Platinum could be transferred to 17 airways and three lodge companions, most of which switch at a 1:1 ratio. Some notable companions embrace Avianca LifeMiles, Delta SkyMiles and Virgin Atlantic Flying Membership.
I wish to switch my factors earned on the Amex Enterprise Platinum to Avianca LifeMiles to ebook business-class flights on accomplice Star Alliance airways to Europe.
The factors earned on the Sapphire Reserve for Enterprise could be transferred to 11 airways and three lodge companions, all at a 1:1 ratio. Some notable companions are Air Canada Aeroplan, Air France-KLM Flying Blue and United Airways MileagePlus.
Each playing cards have entry to companions in every of the three main airline alliances: Oneworld, SkyTeam and Star Alliance, which can assist get you to just about any nook of the globe.
Regardless of Amex having over 30% extra companions than Chase, that does not give Amex a transparent edge right here, as Chase has World of Hyatt as a accomplice. World of Hyatt is my go-to Chase switch accomplice and provides excellent lodge redemptions as a result of a mounted award chart.
With each playing cards, you may benefit from switch bonuses, which may make your factors price much more.
Winner: Sapphire Reserve for Enterprise. It has entry to World of Hyatt for lodge redemptions, which may present wonderful worth, and all companions switch at a 1:1 ratio.
Associated: From worldwide enterprise class to home journey: Chase Final Rewards candy spots
Ought to I get the Amex Enterprise Platinum or Sapphire Reserve for Enterprise?
Each playing cards are wonderful choices for enterprise house owners searching for premium journey rewards playing cards. In order for you the perfect lounge entry for the first cardmember, helpful business-centered assertion credit, nice journey protections and a barely decrease annual payment, go for the Amex Enterprise Platinum.
Nonetheless, if you’d like complimentary visitor entry to lounges, higher incomes charges throughout the board, higher-value assertion credit and industry-leading journey protections, and also you’re prepared to pay the upper annual payment, add the Sapphire Reserve for Enterprise to your pockets.
Backside line
The Amex Enterprise Platinum and Chase Sapphire Reserve for Enterprise are two prime enterprise playing cards. If you’re searching for a card with nice lounge entry, beneficial assertion credit, computerized elite standing, and wonderful journey and buy protections, both would make an incredible addition to your pockets.
And if you cannot resolve which is greatest for you, take into account including each to your pockets, as it is not a nasty thought to diversify your transferable currencies.
To be taught extra, learn our full critiques of the Amex Enterprise Platinum and Chase Sapphire Reserve for Enterprise.
Apply right here: Amex Enterprise Platinum
Apply right here: Chase Sapphire Reserve for Enterprise
For charges and costs of the Amex Enterprise Platinum, click on right here.
