Discovering the proper journey bank card might be arduous, particularly given how difficult a few of these applications are.
Two of the main playing cards are the Capital One Enterprise X and the Chase Sapphire Reserve.
They’re constantly among the many hottest journey rewards bank cards out there immediately so in the event you’re selecting between the 2, you’re selecting between two of the most effective.
For those who love journey rewards and are searching for a brand new bank card, it’s possible you’ll marvel how the 2 playing cards evaluate. Whereas each have loads to supply, the appropriate selection for you’ll rely on the options and advantages you need in a bank card.
In regards to the Capital One Enterprise X Card
The Capital One Enterprise X card is on or close to the highest of many “best travel card” lists. It provides a beneficiant welcome bonus and excessive mileage earnings on journey booked by means of Capital One. It edges out the Chase Sapphire Reserve on its miles rewards for non-travel purchases.
In regards to the Chase Sapphire Reserve
The Chase Sapphire Reserve card is considered one of Chase’s hottest journey bank cards. One engaging characteristic is incomes greater level values when reserving journey by means of Chase Final Rewards. This card additionally provides greater factors than the Capital One Enterprise X when reserving journey by means of outdoors businesses.
Key Options At A Look
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| Welcome Supply | Earn 75,000 miles $4,000 in purchases inside the first 3 months | Earn 60,000 Final Rewards factors $4,000 in purchases inside the first three months |
| Annual Payment | $395 | $695 |
| Rewards | 10X Miles on motels & rental automobiles booked by means of Capital One Journey; 5X Miles on flights booked by means of Capital One Journey; 2X Miles on all different purchases | Earn 5x complete factors on flights and 10x complete factors on motels and automobile leases while you buy journey by means of Chase Journey after you spend the primary $300 on journey purchases yearly.
Earn 3x factors on eating at eating places, supply providers, takeout, and eating out; Earn 10x complete factors on Chase Eating purchases by means of Final Rewards Get 50% extra worth while you redeem for journey by means of Chase. |
| Different Notable Advantages | Limitless complimentary airport lounge entry (Capital One Lounges) 10,000 yearly bonus miles (on card anniversary) $300 annual journey credit score as much as $100 World Entry or TSA Pre-Verify credit score |
$300 annual journey credit score Complimentary airport lounge entry (Precedence Go lounges) as much as $100 World Entry or TSA Pre-Verify credit score |
Welcome Bonus Comparability
The Chase Sapphire Reserve and Capital One Enterprise X playing cards provide comparable welcome bonuses. As of June 6, 2024, the provides are as follows:
The Capital One Enterprise X Card provides 75,000 miles $4,000 in purchases inside the first 3 months.
The Chase Sapphire Reserve Card provides 60,000 Final Rewards factors $4,000 in purchases inside the first three months.
For those who spend your factors outdoors the Chase Final Rewards journey program, you’ll get $600 in journey {dollars}. Nevertheless, in the event you ebook journey by means of the Chase Final Rewards program, you’ll obtain $900 in journey {dollars} together with your 60,000 Final Rewards factors bonus.
Winner: Chase Sapphire Reserve for its 50% bonus while you ebook by means of Chase Final Rewards.
✨ Associated: Journey Credit score Playing cards with Six-Determine Welcome Bonuses
Annual Payment Comparability
The Capital One Enterprise X card has an annual payment of $395. This consists of as much as 4 approved customers at no further cost.
The Chase Sapphire Reserve card costs an annual payment of $695. You’ll additionally pay $75 per yr for every approved person.
Each playing cards require an “excellent” credit score rating to get authorised. Relying on which scoring system you employ (FICO Rating or VantageScore), an “excellent” credit score rating might be thought of anyplace from 781 to 800 and above.
Winner: Capital One Enterprise X for its decrease payment and no further charges for approved customers.
Rewards Applications
The Capital One Enterprise X rewards program is easy and pays handsomely for journey. You additionally earn a sexy charge (2x miles per greenback spent) on non-travel-related purchases.
The Chase Sapphire Reserve card provides greater journey rewards when booked by means of the Chase Final Rewards program. There are a number of earnings tiers to select from and engaging advantages for eating and different journey experiences. That mentioned, the cardboard solely provides 1x factors on “all other” purchases.
Right here’s a better take a look at easy methods to earn and redeem factors with each applications.
Incomes Factors Comparability
The Capital One Enterprise X card pays 10x miles on all resort and rental automobiles booked by means of Capital One Journey. It pays 5x miles on all airfare booked by means of Capital One Journey. All different purchases earn 2x miles, with no restrict to the miles you possibly can earn. Higher but, the miles you earn won’t ever expire in case your account stays open and in good standing.
The Chase Sapphire Reserve card pays 10x factors on all resort and automobile leases and 5x factors on all flights booked by means of Chase Final Rewards journey after you spend your first $300 yearly. You’ll additionally earn 10x factors on all eating booked by means of Chase Final Rewards.
You’ll additionally earn 3x factors on eating at eating places, together with eligible supply providers, takeout, and eating out, and 3x factors on different journey after spending your first $300 yearly.
All different purchases in your Chase Sapphire Reserve card will earn 1x factors. As with the Capital One Enterprise X card, the factors you earn in your Chase Sapphire Reserve card won’t ever expire so long as your account stays open and in good standing.
As a further bonus, Chase will let you switch factors earned on different Chase playing cards over to your Chase Sapphire Reserve factors steadiness.
Winner: Capital One Enterprise X positive factors an edge for its 2x miles on non-travel purchases and no required spending to be met earlier than incomes.
✨ Associated: Get Preapproved for a Chase Credit score Card
Redeeming Factors Comparability
With the Capital One Enterprise X, you possibly can redeem for previous journey purchases inside 90 days of your journey date.
You may also ebook new journey experiences together with your earned miles. Redemption choices embrace airline, rail journey, resort rental, automobile rental, limousine, bus journey, cruise strains, taxicabs, journey businesses, and timeshares.
Nevertheless, you could ebook by means of Capital One Journey to make use of your earned miles. You may also redeem your miles for an account credit score, mailed test, or reward playing cards.
The Chase Sapphire Reserve lets you redeem your factors for varied awards, together with journey, money, and reward playing cards, and to pay for services and products provided by means of Chase companions.
1.5% Level Bonus
All factors redeemed by means of Chase Final Rewards for journey will probably be price 50% greater than factors redeemed in different manners.
For instance, 50,000 factors redeemed for money or a present card are price $500. However 50,000 factors redeemed for journey by means of Chase Final Rewards are price $750.
Winner: Chase Sapphire Reserve for its 1.5% bonus (50% further worth) on journey redemption by means of Chase Final Rewards.
Further Card Advantages
Every card consists of a number of different advantages that may encourage you to decide on one card over the opposite.
Capital One Enterprise X
- 10,000 bonus miles on each anniversary with the cardboard
- as much as $100 World Entry or TSA Precheck credit score each 4 years
- As much as $300 annual journey credit score for journey booked by means of Capital One
- Entry for you and two visitors to all Capital One lounges
- Entry to as much as 1,300 accomplice lounges
- Unique reservations at award-winning eating institutions
- Entry to Capital One Leisure for tickets to sporting occasions, live shows, and extra
- Complimentary subscriptions to rotating providers
Chase Sapphire Reserve Further Advantages
- Precedence Go Choose Membership for 2 to entry over 1,300 airport lounges
- Luxurious resort and resort upgrades
- Further credit to accomplice companies similar to Lyft and DoorDash
- 10x factors on rotating partnership purchases
- as much as $100 World Entry, TSA Precheck or NEXUS Payment credit score each 4 years
- Journey and buy protection safety
- Switch factors earned on any Chase card to your Chase Sapphire Reserve steadiness
Winner: Capital One Enterprise X for its expansive listing of further advantages and two-guest inclusion on airport lounge entry
Capital One Enterprise X Professionals and Cons
Professionals
- Decrease annual payment and no further payment for approved customers
- Larger welcome bonus
- Redeem miles for previous journey purchases
- Larger rewards for non-travel-related purchases
- Enticing further advantages
Cons
- Rewards restricted to a few completely different tiers
- Much less miles-earning choices
Chase Sapphire Reserve Professionals and Cons
Professionals
- 1.5x worth while you redeem for journey by means of Chase Final Rewards
- Expansive factors incomes choices
- E-book journey by means of any journey company together with your factors
- Expansive journey insurance coverage protection
Cons
- Larger annual payment/approved person charges
- Some buy minimums to be met earlier than earnings begin
Who’s the Capital One Enterprise X Finest Suited For?
The Capital One Enterprise X is greatest suited for many who desire a easy, no-nonsense journey card. In comparison with the Chase Sapphire Reserve, the decrease annual payment of $395 is an actual draw, as is the choice so as to add further customers for no further annual payment.
Capital One Enterprise X’s welcome bonus is superb, and its rewards program is easy, with simply three earnings tiers.
One other benefit of the Capital One Enterprise X card over the Chase Sapphire Reserve card is that it pays 2x miles per greenback spent on non-travel and all different purchases. In distinction, the Chase card solely pays 1 level per greenback on all different purchases.
Learn our full evaluate of the Capital One Enterprise X bank card.
Who’s the Chase Sapphire Reserve Finest Suited For?
The Chase Sapphire Reserve card costs a better annual payment of $695, and also you’ll additionally pay $75 per yr for every approved person.
Nevertheless, in the event you’re a hardcore traveler who spends closely on eating places, motels, and transportation whereas touring, you’ll doubtless earn extra with the Chase Sapphire Reserve card.
The Chase Sapphire Reserve card provides six completely different earnings tiers protecting virtually something you need to spend cash on. You’ll earn extra from eating places, motels, transportation, and different journey facilities.
One other engaging good thing about the Chase Sapphire Reserve card is that you could switch factors earned from different Chase playing cards over to your Chase Sapphire Reserve factors steadiness. That is necessary in the event you use different Chase playing cards ceaselessly, as they may provide help to maximize your factors earnings for journey.
Learn our full evaluate of the Chase Sapphire Reserve card.
Last Ideas
As an rare traveler who makes huge purchases when she does journey, I desire the Capital One Enterprise X card for its decrease annual payment, free approved customers, and better rewards earnings for non-travel or “all other” purchases. Consequently, it’s the most effective card for me.
Nevertheless, in the event you’re a frequent traveler and spend loads on eating, transportation, and different travel-related bills, you’ll doubtless earn extra rewards with the Chase Sapphire Reserve card.
