When you’re on the lookout for a premium journey rewards bank card, two standard choices are prone to pop up in your search: the not too long ago refreshed Chase Sapphire Reserve® (see charges and costs) and the Capital One Enterprise X Rewards Credit score Card.
These playing cards fluctuate relating to annual charges, incomes charges and advantages. And, after all, every earns factors or miles in its personal forex. You may accumulate Chase Final Rewards factors with the Sapphire Reserve, whilst you’ll earn Capital One miles with the Enterprise X.
Whether or not you are weighing a change from one choice to the opposite or prepared to use in your first premium card, both may very well be a stable selection, relying in your targets and spending habits.
Let’s analyze the main points of every that will help you resolve 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
Here is what to know concerning the playing cards at first look.
| Function | Capital One Enterprise X | Chase Sapphire Reserve |
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$395 |
$795 |
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Earn 100,000 bonus miles after spending $10,000 on purchases within the first six months from account opening. |
Earn as much as 175,000 bonus factors after spending $6,000 on purchases within the first three months of account opening.
You should verify to see for those who’re eligible for the 175,000 level provide by way of the Chase pre-qualification widget. There isn’t any influence to your credit score rating. This provide is simply accessible by way of this instrument. In case you are not eligible for this elevated provide, you should still be eligible to earn the usual 125,000-point provide with the identical spend necessities. |
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Elevated incomes charges on flights and accommodations booked straight and Chase Journey purchases apply solely after exhausting the $300 annual journey credit score. |
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*Upon enrollment, accessible by means of the Capital One web site or cellular app, eligible cardholders will stay at that standing degree by means of the period of the provide. Please notice, enrolling by means 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 provide
New Enterprise X cardholders can earn 100,000 bonus miles after spending $10,000 on purchases within the first six months from account opening.
TPG’s November 2025 valuations peg Capital One miles at 1.85 cents apiece, making this welcome provide price $1,850.
In the meantime, new Sapphire Reserve cardholders can earn as much as 175,000 bonus factors after spending $6,000 on purchases within the first three months of account opening with no influence to your credit score. Once more, you could verify to see for those who’re eligible for the 175,000 level provide by way of the Chase pre-qualification widget. This provide is simply accessible by way of this instrument.
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When you’re not eligible for this elevated provide, you should still be eligible to earn the usual 125,000-point provide with the identical spend necessities.
TPG’s November 2025 valuations peg Chase Final Rewards factors at 2.05 cents apiece, making this welcome provide price as much as $3,588.
Chase Final Rewards factors are barely extra beneficial than Capital One miles, due partly to Chase’s high-value switch companions.
Winner: Sapphire Reserve. Its welcome bonus is price extra.
Associated: Highest provide in 4 years: Simply how good is the Capital One Enterprise X’s 100,000‑mile bonus?
Capital One Enterprise X vs. Chase Sapphire Reserve advantages
The advantages are what make these playing cards stand out above the remainder. Here is a have a look at the advantages at first look.
| Profit | Enterprise X | Sapphire Reserve |
|---|---|---|
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Plus, you possibly can unlock these advantages after spending $75,000 or extra in a calendar 12 months:
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Each playing cards have a $300 annual journey assertion credit score, however there are some key variations to contemplate. The journey credit score on the Enterprise X is not versatile; you need to e-book by means of Capital One Journey to be reimbursed.
The Sapphire Reserve‘s credit score is less complicated to make use of because it robotically applies to any journey buy as much as $300 and does not require reserving straight with Chase.
The credit score on the Sapphire Reserve can cowl all the pieces from tolls to parking meters to worldwide subway fares. Moreover, with the Sapphire Reserve, you obtain myriad credit, together with an as much as $250 biannual The Edit credit score for two-night pay as you go resort stays and an as much as $150 biannual Chase Eating credit score.
With regards to lounge entry, each playing cards provide a Precedence Go membership. This grants entry to over 1,800 lounges for the cardholder and as much as two friends. Nonetheless, beginning Feb. 1, 2026, major cardholders and approved customers of the Enterprise X will not have the ability to carry complimentary friends to Precedence Go lounges. A price of $35 will apply per visitor.
Each issuers are additionally actively increasing their very own lounge networks.
5 Capital One lounges and one Capital One Touchdown are presently open at six airports throughout the U.S. One other Capital One Touchdown is scheduled to open at New York’s LaGuardia Airport (LGA).
Chase has its personal rising community of airport lounges, with eight lounges presently open.
Chase additionally plans to open lounges at Harry Reid Worldwide Airport (LAS) and Los Angeles Worldwide Airport (LAX) sooner or later.
Each playing cards include ancillary advantages, such because the Sapphire Reserve’s varied DoorDash perks and IHG One Rewards Platinum Elite standing (by means of Dec. 31, 2027) and the Enterprise X’s complimentary Hertz President’s Circle standing, that won’t essentially transfer the needle for potential candidates.
Nonetheless, these perks are all price making the most of for those who resolve to use for both card.
With the Enterprise X, you may get a ten,000-mile anniversary bonus every year for each cardholder anniversary.
Moreover, each playing cards are Visa Infinite playing cards and supply high-level journey and buy protections.
Winner: Sapphire Reserve. Its advantages and assertion credit present nearly triple the worth of the Enterprise X’s. Plus, starting Feb. 1, 2026, friends can have higher lounge entry on the Sapphire Reserve.
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
Each playing cards earn ultra-flexible rewards currencies. The Enterprise X earns:
- 10 miles per greenback spent on accommodations and automobile leases booked by means of Capital One Journey
- 5 miles per greenback spent on flights and trip leases booked by means of Capital One Journey
- 2 miles per greenback spent on all different purchases
In the meantime, the Sapphire Reserve earns:
- 10 factors per greenback spent on Peloton tools and accent purchases of $150 or extra (by means of Dec. 31, 2027), with a most of fifty,000 factors
- 8 factors per greenback spent on purchases made by means of Chase Journey, together with The Edit
- 5 factors per greenback spent on Lyft rides (by means of Sept. 30, 2027)
- 4 factors per greenback spent on flights and accommodations booked straight
- 3 factors per greenback spent on eating worldwide
- 1 level per greenback spent on all the pieces else
Elevated incomes charges on flights and accommodations booked straight and Chase Journey purchases apply solely after exhausting the $300 annual journey credit score.
In keeping with TPG’s valuations, the Enterprise X provides an 18.5% return on accommodations and rental automobiles booked by means of Capital One’s portal, whereas the Sapphire Reserve returns 16.4% on purchases by means of Chase Journey.
The Enterprise X provides simplicity with 2 miles per greenback spent on all different purchases. The Sapphire Reserve provides greater returns in sure classes, together with 4 factors per greenback spent on accommodations and flights booked straight and three factors per greenback spent on eating purchases.
Frequent vacationers will seemingly earn extra with the Sapphire Reserve’s bonus classes than they may with the Enterprise X’s flat-rate incomes construction.
Winner: Sapphire Reserve. It provides bonus earnings in classes past journey portal bookings.
Associated: Greatest rewards bank cards
Redeeming rewards with the Capital One Enterprise X vs. Chase Sapphire Reserve
Essentially the most beneficial choice for redeeming with both the Capital One Enterprise X or the Sapphire Reserve is transferring factors or miles to journey companions. Nonetheless, that is not the one means 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 can be utilized to e-book journey straight by means of Chase Journey at a price of as much as 2 cents per level, relying on the cardboard and the particular redemption, with the Factors Increase characteristic (see your rewards program settlement for full particulars).
Whereas this is not as rewarding as transferring your factors to Chase’s switch companions, this redemption choice is helpful when you have bother discovering award area.
In the meantime, Enterprise X provides fixed-rate journey redemptions at simply 1 cent per mile — and whereas this may be utilized to any journey buy charged to the cardboard, it is nonetheless notably decrease.
Each the Enterprise X and the Sapphire Reserve additionally provide much less profitable redemption choices, equivalent to reward playing cards and money again.
Winner: Chase Sapphire Reserve. Redeeming your rewards for journey is as much as 50% extra profitable than with the Enterprise X.
Associated: Mixture of factors and money: How I strategize my award redemptions
Transferring rewards with the Capital One Enterprise X vs. Chase Sapphire Reserve
Transferring rewards to journey companions is the easiest way to maximise these hard-earned factors and miles.
Each Chase and Capital One provide a powerful checklist of switch companions, making redeeming rewards the best choice.
With the Chase Sapphire Reserve, you possibly can switch your Final Rewards factors at a easy 1:1 ratio.
However, 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 has 13 airline and resort switch companions, which embody Air Canada Aeroplan, Air France-KLM Flying Blue and United MileagePlus, to call a number of.
In the meantime, Capital One has 15-plus switch companions. Some notable names embody Avianca LifeMiles, Etihad Visitor and Turkish Airways Miles&Smiles.
TPG bank cards author Chris Nelson constantly transfers his Final Rewards factors to companions to redeem them for outsize worth. He not too long ago transferred 54,000 factors to United MileagePlus to improve to Polaris enterprise class on a flight from Newark Liberty Worldwide Airport (EWR) to O.R. Tambo Worldwide Airport (JNB).
You may also benefit from switch bonuses to get most worth.
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 the Chase Sapphire Reserve?
When you worth broader incomes potential and a versatile journey credit score, the Chase Sapphire Reserve is an effective selection. However for those who choose paying a decrease annual price and incessantly journey out of an airport with a Capital One Lounge, the Capital One Enterprise X is probably going the higher card for you.
Backside line
Each the Capital One Enterprise X Rewards Credit score Card and the Chase Sapphire Reserve have their very own strengths and weaknesses, and it actually comes all the way down to your choice on what advantages are helpful to you or not.
Nonetheless, for a way more manageable annual price, nearly half of the Sapphire Reserve, the Enterprise X is a unbelievable providing — for those who do not thoughts utilizing the journey portal to unlock lots of the advantages on the cardboard.
For individuals who choose to e-book straight with journey suppliers and need extra assertion credit and advantages, the Chase Sapphire Reserve is probably going the higher choice for you, although it comes with a better $795 annual price.
To study extra, try our full critiques of the Capital One Enterprise X and the Chase Sapphire Reserve.
Study extra: Capital One Enterprise X Rewards Credit score Card
Apply right here: Chase Sapphire Reserve
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.
