Chase and Capital One are leaders within the journey rewards bank card house. If you happen to’re in search of your subsequent journey rewards bank card, the Chase Sapphire Most well-liked® Card (see charges and charges) and the Capital One Enterprise X Rewards Credit score Card are each nice choices to contemplate.
The Sapphire Most well-liked is a mid-tier journey card, whereas the Enterprise X is positioned as a premium card. Their annual charges replicate this positioning as properly, with the Sapphire Most well-liked carrying a $95 annual payment and the Enterprise X a $395 annual payment.
Having the next annual payment doesn’t suggest the Enterprise X is routinely the higher card, because the Sapphire Most well-liked is kind of a formidable opponent.
Each playing cards have their very own transferable foreign money that they earn and varied travel-related advantages. With the Sapphire Most well-liked, you may earn Chase Final Rewards factors, when you’ll earn Capital One miles with the Enterprise X.
Let’s bounce into the similarities and variations with these playing cards and see which is a greater match so as to add to your pockets subsequent.
Sapphire Most well-liked vs. Enterprise X comparability
| Characteristic | Chase Sapphire Most well-liked | Enterprise X |
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$95 |
$395 |
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Earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. |
Earn 100,000 bonus miles after spending $10,000 on purchases within the first six months from account opening. |
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Sapphire Most well-liked vs. Enterprise X welcome supply
New candidates for the Chase Sapphire Most well-liked can earn 75,000 bonus factors after you spend $5,000 on purchases within the first three months from account opening.
TPG’s December 2025 valuations peg the worth of Final Rewards factors at 2.05 cents apiece, making this welcome supply price $1,538.
New candidates for the Enterprise X can earn 100,000 bonus miles after spending $10,000 on purchases within the first six months from account opening. TPG’s December 2025 valuations peg the worth of Capital One miles at 1.85 cents apiece, making this supply price $1,850.
Winner: Enterprise X. Its present welcome bonus is price over $300 extra.
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Associated: Greatest bank card welcome provides this month
Sapphire Most well-liked vs. Enterprise X advantages
Each playing cards supply related advantages, corresponding to no international transaction charges, procuring and journey protections, and first rental automotive insurance coverage.
The Sapphire Most well-liked provides cardholders:
In the meantime, advantages distinctive to the Enterprise X embrace:
Whereas the Enterprise X’s journey credit score cannot be used exterior Capital One Journey, it ought to nonetheless be comparatively simple to make use of.
The Enterprise X gives glorious lounge entry by way of entry to greater than 1,300 Precedence Go lounges and Capital One’s small however mighty community of 5 lounges (4 lounges and one Capital One Touchdown).
The Enterprise X additionally consists of cellphone safety, one thing the Sapphire Most well-liked lacks. Nevertheless, the Sapphire Most well-liked has baggage delay insurance coverage, which the Enterprise X doesn’t supply.
Winner: Enterprise X. It gives considerably extra worth with the $300 Capital One Journey credit score on bookings by Capital One Journey, anniversary bonus miles, lounge entry, TSA PreCheck/World Entry credit score and automated elite standing, however that is to be anticipated, because it has greater than quadruple the annual payment of the Sapphire Most well-liked.
Associated: Why you need to add licensed customers on the Capital One Enterprise X
Incomes rewards with the Sapphire Most well-liked vs. Enterprise X
Each playing cards earn a minimum of 5 factors or miles per greenback spent on journey booked by their respective portals; nonetheless, this will not be notably helpful to most, as I typically do not advocate reserving by journey portals.
Whereas the Sapphire Most well-liked has extra bonus-earning classes, some are relatively area of interest. It does earn 3 factors per greenback spent in a number of choose bonus classes, together with eating, which is a powerful on a regular basis bonus class, however others (like on-line grocery purchases or choose streaming companies) could not transfer the needle for everybody.
In the meantime, the Enterprise X provides unmatched simplicity. You’ll earn a minimum of 2 miles per greenback spent on all purchases and will not have to recollect bonus classes
Winner: Tie. The Sapphire Most well-liked has extra bonus classes, however a few of them are fairly area of interest; the Enterprise X gives simplicity with its earnings.
Associated: Why I like my Chase Sapphire Most well-liked Card — and can all the time maintain it in my pockets
Redeeming rewards with the Sapphire Most well-liked vs. Enterprise X
Your greatest guess for redeeming your rewards with both card is to make use of switch companions. Nevertheless, there are different redemption choices for every card. Each playing cards’ rewards might be redeemed for a hard and fast worth in every issuer’s respective journey portal, in addition to for reward playing cards and money again (although the latter two choices present the worst redemption worth).
With the Sapphire Most well-liked, your factors are price as much as 1.75 cents every by the Factors Increase characteristic when redeemed for eligible journey booked by way of Chase Journey (see your rewards program settlement for full particulars). Whereas that is nonetheless lower than TPG’s December 2025 valuation of Final Rewards factors, this serves as a strong backup redemption possibility in the event you’re having bother discovering award availability.
With the Enterprise X, you’ll be able to redeem miles at a hard and fast charge of 1 cent per mile for all travel-related purchases made in your card or for journey booked by Capital One Journey.
Winner: Sapphire Most well-liked. When redeeming factors by Chase Journey, factors are price as much as 1.75 cents every, whereas redeeming miles by way of Capital One Journey or for journey purchases are solely price 1 cent every.
Associated: Chase Sapphire Most well-liked advantages: Every part you might want to know
Transferring rewards with the Sapphire Most well-liked vs. Enterprise X
Transferring rewards you earn from both card gives most redemption worth.
With the Sapphire Most well-liked, you may have entry to Chase’s 13 airline and lodge companions. All companions switch at a 1:1 ratio.
I usually switch my Final Rewards factors to World of Hyatt, as this system nonetheless makes use of a fixed-price award chart and gives me with excellent worth when touring to in style locations throughout peak or busy seasons.
Just lately, I transferred 6,000 Final Rewards factors to Hyatt for a short in a single day keep on the Hyatt Place Amsterdam Airport, which might have value me over $200.
With Capital One, you may have entry to 15-plus airline and lodge companions. Nevertheless, not all companions (like EVA Airways) switch at a 1:1 ratio. Chase does one-up Capital One on this space, because it has two U.S. airline companions, Southwest Airways and United Airways; Capital One has only one with JetBlue.
That stated, each packages do have airline companions in every of the three main alliances: Oneworld, SkyTeam and Star Alliance, every of which you can even use to guide home flights.
Augusta Stone, a bank cards author at TPG, lately transferred 15,000 Capital One miles to Air France-KLM Flying Blue to guide two one-way home Delta Air Traces flights.
Winner: Sapphire Most well-liked. Regardless of Capital One having extra switch companions, Chase barely takes the sting, because it has Hyatt as a lodge accomplice and two home airline companions, and all of its switch ratios are at a 1:1 charge.
Associated: The right way to redeem Chase Final Rewards factors for max worth
Ought to I get the Sapphire Most well-liked or Enterprise X?
If you happen to choose strong journey protections for a decrease annual payment and extra U.S. airline switch companions, then the mid-tier Sapphire Most well-liked is the way in which to go. Nevertheless, in the event you’re after a premium card with perks like lounge entry, assertion credit and extra intensive journey protections, then I like to recommend choosing the Enterprise X.
Associated: Why Capital One Enterprise X gained the TPG Award for Greatest Premium Journey Credit score Card
Backside line
The Chase Sapphire Most well-liked and Capital One Enterprise X Rewards Credit score Card each ship glorious journey worth, however they serve various kinds of vacationers.
The Enterprise X provides outsized premium perks like lounges, anniversary miles and easy incomes, making it the higher match for frequent flyers who will reliably use these advantages and simply offset the upper annual payment.
Nevertheless, the Sapphire Most well-liked stays top-of-the-line mid-tier playing cards in the marketplace. Its sturdy journey protections, versatile Chase Journey redemptions and entry to high-value companions like Hyatt make it a powerhouse at a couple of quarter of the Enterprise X’s annual payment.
If you’d like premium perks and are comfy paying for them, select Enterprise X. If you happen to choose a decrease annual payment with glorious worth and top-tier switch companions, the Sapphire Most well-liked is difficult to beat. Relying in your journey patterns, both card (and even each) could be a strategic addition to your pockets.
To study extra, learn our full evaluations of the Chase Sapphire Most well-liked and the Capital One Enterprise X.
Apply right here: Chase Sapphire Most well-liked Card
Study extra: Capital One Enterprise X Rewards Credit score Card
For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and will range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
*Upon enrollment, accessible by the Capital One web site or cell app, eligible cardholders will stay at that standing degree by the length of the supply. Please word, enrolling by the traditional Hertz Gold Plus Rewards enrollment course of (e.g., at hertz.com) won’t routinely detect a cardholder as being eligible for this system, and cardholders won’t be routinely upgraded to the relevant standing tier. Further phrases apply.
