The distinction between the 2 journey playing cards largely comes all the way down to primary math: As a mid-tier journey card, the Sapphire Most well-liked has a$95 annual charge, however the Enterprise X is taken into account a premium journey card — and has the hefty price ticket to match. The Enterprise X definitely delivers on the subject of luxurious perks, however the card received’t be the suitable selection in the event you will not make use of any of these advantages, or aren’t keen to pay for them.
Right here’s how one can determine between the Chase Sapphire Most well-liked® Card and Capital One Enterprise X Rewards Credit score Card.
At a look
Capital One Enterprise X Rewards Credit score Card
Chase Sapphire Most well-liked® Card
Welcome bonus
Earn 75,000 bonus miles if you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in journey.
Earn 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That is $750 towards journey if you redeem via Chase Final Rewards®.
Rewards
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10X miles on lodges and rental vehicles booked via Capital One Journey.
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5X miles on flights booked via Capital One Journey.
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2X miles on all different purchases.
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Earn 5X factors on journey bought via Chase Final Rewards®, excluding lodge purchases that qualify for the $50 annual Final Rewards® lodge credit score.
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Earn 3X factors on eating, together with eligible supply companies, takeout and eating out.
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Earn 3X factors on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment).
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Earn 3X factors on choose streaming companies.
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Earn 2X on journey purchases not booked via Chase Final Rewards® .
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Earn 1X per greenback spent on all different purchases.
Additional advantages
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$300 annual credit score for bookings via Capital One Journey.
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$100 credit score for International Entry or TSA PreCheck.
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Get 10,000 bonus miles (equal to $100 towards journey) yearly, beginning in your first anniversary.
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Yearly, earn bonus factors equal to 10% of your complete purchases made the earlier 12 months.
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As much as $50 in assertion credit every account anniversary 12 months for lodge stays bought via Chase Final Rewards.
Why Chase Sapphire Most well-liked® Card is best for most individuals
Decrease annual charge
Annual charges for bank cards aren’t inherently dangerous, and normally the extra you pay, the extra you get. Nonetheless, forking over a big charge for a journey card generally is a robust tablet to swallow. The annual charge for the Chase Sapphire Most well-liked® Card is a number of hundred {dollars} lower than the Enterprise X’s. And when you think about how a lot worth you get for the Chase Sapphire Most well-liked® Card and its $95 annual charge, many individuals will discover it arduous to justify paying a whole bunch extra for an additional journey bank card.
Higher switch companions
Transfering factors to a companion airline or lodge is among the finest methods to squeeze extra worth out of them. Whereas Chase has fewer switch companions than Capital One, most vacationers will discover Chase’s to be extra enticing. For instance, solely Chase companions with United and Hyatt, and Hyatt boasts maybe one of the best switch worth at 2.3 cents per level, in response to UM’s evaluation.
Capital One additionally boasts an array of airline and lodge switch companions, however they’re largely international manufacturers. Savvy vacationers can discover outsize worth from Capital One’s companions, however many vacationers will discover Chase’s choices extra accessible.
Full listing of Chase switch companions
Full listing of Capital One switch companions
Broader rewards construction
The rewards construction on the Chase Sapphire Most well-liked® Card makes the cardboard extra suited to on a regular basis spending than the Enterprise X. The latter has the potential to earn as much as an eye-popping 10x on journey, however you may must ebook that journey via the Capital One portal. The cardboard earns a good 2x on every thing.
With the Chase Sapphire Most well-liked® Card you’ll earn 3x factors on eating, together with supply companies and takeout; streaming companies; and on-line grocery purchases. In case your spending habits sync with the Sapphire Most well-liked’s rewards construction, you’ll be capable of effortlessly rack up factors to pay in your subsequent trip.
🤓Nerdy Tip
By including one other no-fee card or two to your pockets, you’ll be able to create a Chase Trifecta and supercharge your Final Rewards® earnings. The Chase Freedom Flex℠ earns 5x as much as $1,500 per quarter in rotating bonus classes if you activate (1x on every thing else), plus 3x at drugstores.
Factors value 25% extra
As main card issuers, each Chase and Capital One have their very own journey portals via which cardholders can ebook flights, lodges and automobile leases. Nonetheless, Chase’s Final Rewards® journey portal provides barely higher worth. Factors are value 1.25 cents every when used to ebook via Chase whereas one Capital One mile is value 1 cent.
Who may desire the Capital One Enterprise X Rewards Credit score Card
You need lounge entry
True to its classification as a premium journey card, the Enterprise X grants its cardholders and two friends limitless entry to greater than 1,000 airport lounges together with Precedence Go lounges and Capital One lounges.
If you’d like lounge entry however desire Chase’s lineup of bank cards, your solely possibility is the $550-annual-fee Chase Sapphire Reserve®.
You want Capital One’s journey portal
Reserving journey via Capital One’s portal is the easiest way to offset a lot of the Enterprise X’s annual charge. Cardholders will obtain a $300 annual credit score towards journey bills, which can be utilized in a single transaction or throughout a number of purchases. If you happen to do not thoughts reserving via the portal, the $300 credit score plus the ten,000 anniversary factors you may get every year you renew (value $100) will cowl the complete annual charge of the cardboard.
The Chase Sapphire Most well-liked® Card provides an annual credit score, too, nevertheless it’s $50 and solely good for lodge bookings via the Final Rewards® portal.
You need trusted traveler program credit score
Skipping the road in a crowded airport generally is a large perk, and Capital One Enterprise X Rewards Credit score Card cardholders get a $100 credit score for International Entry or TSA PreCheck. The Chase Sapphire Most well-liked® Card provides no such reimbursement. Word, although, that it’s essential to pay for the International Entry or TSA PreCheck charge with the Enterprise X card, and the $100 credit score renews each 4 years, not yearly.
Which card must you get?
The Chase Sapphire Most well-liked® Card, with its affordable annual charge, top-tier journey companions and entry to Chase’s journey portal, is the proper entree into the world of journey bank cards. Plus, the $95 annual charge will be partly recouped by redeeming the lodge journey credit score. Provided that you’re after luxurious perks and are snug paying a triple-digit annual charge must you decide to the Capital One Enterprise X Rewards Credit score Card.