Whereas there is not any scarcity of enterprise playing cards in the marketplace, there are restricted choices for premium playing cards that present worth yr after yr. However now, Chase has lastly entered the premium enterprise card market with the introduction of the Chase Sapphire Reserve for Enterprise℠ (see charges and charges).
The favored Capital One Enterprise X Enterprise and The Enterprise Platinum Card® from American Specific have been pillars of the premium enterprise card marketplace for years now. However now that the Sapphire Reserve for Enterprise has arrived, let’s check out how all three of those playing cards stack up in opposition to one another.
All these playing cards have annual charges greater than $395, however they’ve perks and advantages that may simply assist offset the annual charges.
Let’s leap into which card is true for your small business.
Comparability of the Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
| Enterprise X Enterprise | Amex Enterprise Platinum | Sapphire Reserve for Enterprise | |
|---|---|---|---|
| Annual payment | $395 | $695 (see charges and charges) | $795 |
| Welcome provide | Earn 150,000 bonus miles after spending $30,000 on purchases within the first three months from account opening. | Earn 150,000 bonus factors after spending $20,000 on purchases inside 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 |
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| Advantages |
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Enrollment is required for choose advantages, and phrases apply. |
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| Lounge entry |
Be aware: Beginning Feb. 1, 2026, visitor entry for Capital One lounges will value $45 per grownup visitor and $25 for youngsters 17 and beneath. It’s going to stay free for youngsters beneath 2. Nonetheless, you possibly can unlock limitless visitor entry for Capital One lounges by spending $75,000 or extra in your card in a calendar yr. |
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| Assertion credit |
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Enrollment is required for choose advantages, and phrases apply. |
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| Journey and buy protections |
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*Eligibility and profit degree varies by card. Not all car 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 Specific Journey Associated Companies Firm, Inc.
**Eligibility and profit degree 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 some other circumstance, cardmembers are chargeable for the prices charged by third-party service suppliers.
***Eligibility and profit degree 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 degree 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.
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Associated: Your full information to journey protections on American Specific playing cards
Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise welcome provide
All three playing cards have welcome affords value a minimum of triple their annual payment prices.
New candidates for the Enterprise X Enterprise can earn 150,000 bonus miles after spending $30,000 on purchases within the first three months from account opening. TPG’s July 2025 valuations peg Capital One miles at 1.85 cents apiece, making this welcome provide value $2,775. That is the normal welcome provide we sometimes see on the cardboard.
In the meantime, with the Amex Enterprise Platinum, new cardmembers can earn 150,000 bonus factors after spending $20,000 on purchases inside 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 value $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 value $4,100.
Winner: Sapphire Reserve for Enterprise. Its welcome provide is value 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 have a look at the advantages of every card at first look:
| Capital One Enterprise X Enterprise | Amex Enterprise Platinum | Sapphire Reserve for Enterprise | |
|---|---|---|---|
| Assertion credit |
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Enrollment is required for choose advantages, and phrases apply. |
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| Advantages |
|
Enrollment is required for choose advantages, and phrases apply. |
|
| Lounge entry |
Be aware: Beginning Feb. 1, 2026, visitor entry for Capital One lounges will value $45 per grownup visitor and $25 for youngsters 17 and beneath. It’s going to stay free for youngsters beneath 2. Nonetheless, you possibly can unlock limitless visitor entry for Capital One lounges by spending $75,000 or extra in your card in a calendar yr. |
Enrollment is required for choose advantages, and phrases apply. |
|
| Journey and buy protections |
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|
*****Eligibility and profit degree varies by card. Not all car 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 Specific Journey Associated Companies Firm, Inc.
******Eligibility and profit degree 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 some other circumstance, cardmembers are chargeable for the prices charged by third-party service suppliers.
*******Eligibility and profit degree 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 degree 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 degree by means of the length 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 mechanically detect a cardholder as being eligible for this system and cardholders is not going to be mechanically 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 unmatched 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 Move membership.
Moreover, the Sapphire Reserve for Enterprise affords the perfect visitor lounge entry, fingers down. Cardholders can convey 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 yr. Lastly, Enterprise X Enterprise cardholders can at the moment herald two complimentary visitors, however beginning Feb. 1, 2026, cardholders should spend $75,000 or extra per yr 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 will obtain two complimentary visitors when visiting Precedence Move 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 baggage and seat assignments, nevertheless 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 guide journey through the Capital One Journey portal. Lastly, the Chase Sapphire Reserve for Enterprise has the best credit score to make use of, as it should cowl something that Chase broadly defines as journey, together with parking, tolls and ferries. This credit score is computerized, and you do not have to guide by means of a journey portal.
All these playing cards even have quite a few lodge perks, with two together with computerized elite standing and all of them accessing luxurious lodge reserving platforms like Capital One’s Premier Assortment and Way of life Assortment, Chase’s The Edit and American Specific’ Effective Lodges + Resorts and The Lodge Assortment. When reserving by means of these platforms, you will 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 affords essentially the most strong protections.
Winner: Chase Sapphire Reserve for Enterprise. It barely beats the Amex Enterprise Platinum within the complete 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
All these enterprise playing cards are nice for incomes versatile currencies. The Enterprise X Enterprise earns:
- 10 miles per greenback spent on inns 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 inns 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. — development 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)
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 inns booked straight (8.2% return)
- 3 factors per greenback spent on promoting purchases made with social media websites and engines like google (6.15% return)
- 1 level per greenback spent on all different purchases (2.05% return)
The Enterprise X Enterprise affords the best earnings with miles, and you may earn a minimum of 2 miles on each buy. The Amex Enterprise Platinum incomes charges aren’t the strongest, as they solely provide bonus earnings of greater than 1 level per greenback spent on purchases over $5,000 and flights and inns booked by means of Amex Journey. These incomes charges could be limiting for companies if you happen to do not routinely have massive purchases or wish to guide journey by means of an on-line journey company.
The Sapphire Reserve for Enterprise affords essentially the most bonus-earning classes and generally is a nice choice for companies with excessive promoting spending, as there isn’t a spending cap on the promoting bonus class. Moreover, the Reserve for Enterprise affords companies the pliability to guide inns and flights straight and earn essentially the most bonus rewards out of the three playing cards.
Winner: Chase Sapphire Reserve for Enterprise. It affords 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
With all three playing cards, you possibly can redeem your rewards earned for money again, Amazon purchases, reward playing cards and journey booked by means of every issuer’s respective journey portal. Nonetheless, with these choices, redemption charges aren’t favorable. They are much decrease than TPG’s July 2025 valuations and, in some instances, even decrease than 1 cent per level or mile.
All three playing cards have switch companions in every of the three main airline alliances: Oneworld, SkyTeam and Star Alliance. Moreover, each card has a minimum of one home airline switch accomplice.
The Enterprise X Enterprise permits you to redeem miles at 1 cent per mile for journey booked through the Capital One Journey portal. You may as well redeem miles to cowl latest 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 use them to guide journey through Amex Journey at a price of 0.70 cents per level for pay as you go inns and 1 cent per level for flights. You even have the Pay with Factors perk that provides you 35% of your factors again (as much as 1 million per yr) while you guide 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 will solely be capable to get factors again in your designated airline, no matter cabin class.
With the Sapphire Reserve for Enterprise, factors can be utilized to guide journey straight by means of Chase Journey℠ at a price of as much as 2 cents per level, relying on the particular redemption, with the brand new Factors Increase redemption function. Factors Increase affords 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 price between 1.5 to 2 cents per level.
Winner: Chase Sapphire Reserve for Enterprise. Your factors with Chase are probably value essentially the most when redeeming by means of a journey portal.
Associated: Cashing in Capital One miles? Learn 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 greatest wager for the very best redemption worth is to switch your rewards to companions.
Enterprise X Enterprise cardholders have entry to Capital One’s roster of 15-plus switch companions. Standard companions embody Air Canada Aeroplan, Avianca LifeMiles and Singapore KrisFlyer.
Amex Enterprise Platinum Card members have entry to Amex’s roster of 18 airways and three lodge companions. Standard 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 benefit from that program’s frequent award flash gross sales.
With the Chase Sapphire Reserve for Enterprise℠, you will have entry to Chase’s 14 switch companions. Standard companions embody British Airways Membership, Southwest Speedy Rewards and World of Hyatt.
Winner: Chase Sapphire Reserve for Enterprise. The Chase enterprise card takes the sting, because it affords excellent worth with lodge companions and is the one card to have World of Hyatt as a accomplice.
Associated: Bank card switch companions: Information to transferring factors and miles to airways and inns
Ought to I get the Enterprise X Enterprise, Amex Enterprise Platinum or Sapphire Reserve for Enterprise?
Simply because the Enterprise X Enterprise has the bottom annual payment doesn’t suggest it is the worst card out of the three. For enterprise homeowners in search of simplicity with earnings, lounge entry and an annual journey credit score, the Enterprise X Enterprise is a strong choice.
Nonetheless, in order for you extra perks like assertion credit, computerized elite standing and the perfect lounge entry, the Amex Enterprise Platinum is your choose.
If you would like lounge entry with the perfect visitor entry and essentially the most bonus earnings classes, it is best to go for the Sapphire Reserve for Enterprise.
Backside line
In the event 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 payment and comes loaded with perks; nonetheless, the Amex Enterprise Platinum and the Chase Sapphire Reserve for Enterprise merely provide extra worth with extra assertion credit and elite standing. In the event you’re actually trying to maximize factors and miles incomes potential, you would add two and even all three playing cards to your pockets.
Apply right here: The Enterprise Platinum Card from American Specific
Apply right here: Chase Sapphire Reserve for Enterprise
Study extra: Capital One Enterprise X Enterprise
For charges and charges of the Amex Enterprise Platinum, click on right here.
For Capital One merchandise listed on this web page, a few of the advantages could also be offered by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
