Shelling out tons of of {dollars} in annual charges for premium bank cards just isn’t for everybody, particularly while you’re new to factors and miles. Luckily, loads of journey bank cards will set you again lower than $100 a yr in annual charges and nonetheless earn profitable rewards that will help you e-book that epic journey of your goals.
Among the many high playing cards on this class are the Chase Sapphire Most popular® Card (see charges and charges) and the Capital One Enterprise Rewards Credit score Card. Each include manageable annual charges for novices and specialists and a really useful credit score rating of 670 or greater.
Let us take a look at how these two playing cards stack up in a head-to-head comparability.
Chase Sapphire Most popular vs. Capital One Enterprise comparability
Listed below are the fundamentals of every of those two playing cards within the main classes:
| Card particulars | Chase Sapphire Most popular | Capital One Enterprise Rewards |
|---|---|---|
| Annual price | $95 | $95 |
| Welcome bonus | Earn 100,000 bonus factors after you spend $5,000 on purchases within the first three months of account opening. | Earn 75,000 bonus miles while you spend $4,000 on purchases throughout the first three months from account opening, plus a $250 Capital One Journey credit score to make use of within the first yr. |
| Bonus classes |
|
|
| TPG March 2025 valuation of rewards foreign money | 2.05 cents every | 1.85 cents every |
| International transaction charges | None | None |
| Journey protections |
|
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| Different advantages |
|
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*Advantages solely out there to accounts accredited for the World Elite Mastercard. Phrases apply.
Chase Sapphire Most popular vs. Capital One Enterprise welcome provide
Each playing cards are presently providing stable welcome bonuses that may present a ton of worth to new cardholders.
The Sapphire Most popular is presently providing 100,000 bonus factors after you spend $5,000 on purchases within the first three months of account opening. This present provide matches the finest bonus provided within the card’s historical past and hasn’t been seen since 2021.
Since these factors are value 1.25 cents apiece when redeemed by means of the Chase journey portal, the bonus is assured to be value $1,250 in journey. Nevertheless, TPG’s March 2025 valuations peg Chase Final Rewards factors at 2.05 cents every, which means this welcome provide is value a whopping $2,050.
The Enterprise Rewards card presents new cardholders 75,000 bonus miles after they spend $4,000 on the cardboard throughout the first three months of account opening plus a $250 Capital One Journey credit score to make use of within the first yr.
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The 75,000 bonus miles you will earn after assembly the spending requirement are value $750 in journey in case you redeem at a hard and fast worth immediately by means of Capital One, giving your bonus a complete worth of $1,000 with the bonus miles and the credit score. It may be value as much as $1,638 in case you switch your miles to Capital One’s airline or resort switch companions (and embrace the worth from the journey credit score) per TPG’s March 2025 valuation of Capital One miles at 1.85 cents every.
Winner: Sapphire Most popular. The present bonus is value greater than $2,000.
Associated: How (and why) it is best to earn transferable factors
Chase Sapphire Most popular vs. Capital One Enterprise advantages
Each playing cards provide an array of advantages that add much more worth.
The Enterprise Rewards advantages embrace no international transaction charges, prolonged guarantee safety and journey advantages resembling secondary rental automotive insurance coverage and journey accident insurance coverage.
You will additionally stand up to $120 International Entry/TSA PreCheck software price credit score. This perk is mostly seen on playing cards with greater annual charges, and it could possibly make an enormous distinction in rushing up your journey by means of the airport.
The Sapphire Most popular is a Visa Signature card and presents comparable advantages however kicked up a notch. Most notably, it consists of main rental automotive protection reasonably than secondary, which means you possibly can submit claims on to your card’s advantages supplier with out involving your private insurance coverage coverage.
Plus, the Sapphire Most popular’s journey advantages are additionally superior — as much as $500 per coated traveler in journey delay reimbursement in case you’re delayed greater than 12 hours or in a single day, as much as $10,000 in journey cancellation and interruption insurance coverage per particular person (as much as $20,000 per journey) and as much as $100 per day for as much as 5 days in baggage delay reimbursement in case your bag is delayed greater than six hours.
On high of that, the cardboard presents an annual $50 assertion credit score on resort stays bought by means of the Chase journey portal and a 10% anniversary factors bonus.
Winner: Sapphire Most popular. You will take pleasure in barely extra advantages with the Chase providing right here.
Associated: Chase Sapphire Most popular advantages you won’t learn about
Incomes rewards on the Capital One Enterprise vs. Chase Sapphire
With the Capital One Enterprise Rewards, you will earn 5 miles per greenback on motels, trip leases and rental vehicles booked by means of Capital One Journey and a pair of miles per greenback on all different purchases.
With the Sapphire Most popular, you will get:
- 5 factors per greenback on all journey bought by means of Chase Journey
- 3 factors per greenback on eating (together with eligible supply providers, takeout and eating out)
- 3 factors per greenback on choose streaming providers
- 3 factors per greenback on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment)
- 2 factors per greenback on all different journey
- 1 level per greenback on all different purchases
Journey is outlined fairly broadly with the Sapphire Most popular and consists of some on a regular basis bills, resembling tolls, parking and subway tickets. The eating class can be broad, together with commonplace eating places, bars and occasional outlets, meals supply providers and even most merchandising machines.
Winner: Tie. The Capital One Enterprise comes out forward on on a regular basis spending however falls behind in bonus classes, which is the place the Sapphire Most popular shines. It is determined by your spending patterns.
Associated: Evaluating flat-rate with bonus-category cash-back bank cards
Redeeming rewards on the Capital One Enterprise vs. Chase Sapphire
Each playing cards permit you to redeem rewards for a lot of purchases. Nevertheless, journey redemptions at all times present one of the best worth.
In case you desire a easy redemption possibility, you possibly can redeem Enterprise Rewards Capital One miles at a hard and fast worth of 1 cent every towards journey bookings made by means of Capital One Journey or use them to offset any current journey buy.
In case you’re not looking for journey rewards, you possibly can redeem your miles for present playing cards, money again or on Amazon and PayPal purchases — however know it will likely be at subpar redemption charges.
Equally, you possibly can redeem Chase Final Rewards factors may be redeemed towards journey at a hard and fast worth or transferred. As talked about, in case you e-book journey reservations by means of Chase Journey, factors have a hard and fast worth of 1.25 cents every. You may also redeem factors for present playing cards and money again, however you will solely get 1 cent per level in worth.
Winner: Sapphire Most popular. You will get a extra favorable 1.25 cents per level when redeeming for journey at a hard and fast price, whereas you may also get a price of 1 cent per level when redeeming for money rewards or assertion credit.
Associated: Find out how to use your Capital One miles for optimum worth
Transferring rewards on the Capital One Enterprise vs. Chase Sapphire
You possibly can squeeze extra worth out of your Capital One miles by transferring them to Capital One’s 15-plus airline and resort switch companions. Most transfers are at a 1:1 ratio.
Because the card earns 2 Capital One miles per greenback on on a regular basis spending, you will earn at the least 2 airline miles or resort factors per greenback spent on each buy, relying on the particular program to which you switch your miles.
Equally, the best way to get high worth out of your Chase Final Rewards factors is by transferring them to one in all Chase’s airline and resort companions, together with worthwhile choices like United MileagePlus, Iberia Plus and World of Hyatt.
Winner: Sapphire Most popular. Chase Final Rewards will get the sting for providing extra profitable switch choices (specifically United and Hyatt, which aren’t Capital One companions).
Associated: The most effective methods to make use of Chase Final Rewards factors
Ought to I get the Capital One Enterprise or Chase Sapphire Most popular?
Whereas the worth you may get from the playing cards relies upon closely in your spending habits, most cardholders shall be higher off with the Sapphire Most popular. Generally, Chase Final Rewards factors are extra worthwhile than Capital One miles. Plus, the Sapphire Most popular earns extra in bonus spending classes and presents higher journey protections.
Backside line
These two playing cards aren’t mutually unique. In any case, the Capital One Enterprise Rewards is without doubt one of the finest Capital One bank cards, and the Chase Sapphire Most popular is without doubt one of the finest Chase bank cards in the marketplace. They really complement one another effectively in case you personal each.
Nevertheless, the Sapphire Most popular usually supplies extra worth. So, in case you’re really caught between the 2, we suggest going with that one.
For extra particulars, see our full opinions of the Enterprise Rewards and Chase Sapphire Most popular.
Study extra: Capital One Enterprise Rewards
Apply right here: Chase Sapphire Most popular
*For Capital One merchandise listed on this web page, a number of the advantages could also be offered by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
