Capital One Enterprise X Rewards Credit score Card vs. Chase Sapphire Most popular® Card: Which is the Higher Journey Companion?

Signal-up Bonuses In contrast

Each welcome provides are price at the very least $750, even when it looks like the Capital One Enterprise X comes with the superior supply at 75,000 miles (versus 60,000 factors).

With the Capital One Enterprise X, you’ll be able to redeem your miles for any travel-related purchases in your assertion credit score at a price of 1 cent every. Capital One additionally means that you can switch your miles to fifteen+ airline and lodge loyalty applications, though the tip worth will differ.

The Chase Sapphire Most popular® Card provides 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That is $750 towards journey when redeemed via Chase Final Rewards®. Equally, Chase provides a collection of airline and lodge switch companions that you may leverage, with the potential of exceeding this 1.25 cent-per-point worth.

Incomes Charges In contrast

In the event you journey ceaselessly, the Capital One Enterprise X provides an unimaginable return: 10X miles on inns and rental vehicles and 5X miles on flights, all when booked via the issuer’s journey portal. For every other buy, non-travel or travel-related, you’ll nonetheless earn 2X miles.

Alternatively, the Chase Sapphire Most popular® Card appears to be the higher possibility for customers who’ve a mixture of on a regular basis spending. You’ll not solely earn 5X factors on any journey booked via Chase, but additionally 3X factors on eating, choose streaming companies, and on-line streaming companies, and 1X factors on all different purchases.

Finally, the choice will rely in your spending habits. The distinction in rewards-earning potential might find yourself being negligible, so that you’ll wish to take a better have a look at the opposite perks to make a closing choice.

Redeeming Rewards In contrast

Each journey playing cards supply the perfect worth when redeeming for — you guessed it — journey. Though you’ll be able to choose to redeem for money again, reward playing cards, and different non-travel rewards, the worth is way decrease and must be prevented, if in any respect attainable.

Since Chase offers you 25% extra redemption worth for flights, inns, rental vehicles, cruises, and extra utilizing its portal, Chase Final Rewards® factors are price greater than Capital One miles. Moreover, Chase’s journey companions are superior, with extra acknowledged manufacturers like Hyatt, Marriott, Southwest, United, and extra.

Capital One additionally maintains a large roster of switch applications. Nonetheless, all of its airline companions are worldwide — which might be tougher to maximise. Nonetheless, we will’t neglect the simplicity of Capital One miles the place you’ll be able to merely credit score any travel-related cost in your assertion credit score at a charge of 1 cent every.

Different Advantages In contrast

With regards to journey perks, the Capital One Enterprise X Rewards Credit score Card is unmatched. In the event you benefit from all of those advantages, you’ll come out forward of the $395 annual charge:

• $300 annual journey credit score for bookings via Capital One Journey.
• $100 International Entry or TSA PreCheck® credit score.
• 10,000 bonus miles each account anniversary.
• Capital One and Precedence Cross airport lounge entry, for the cardholder and as much as two friends.
• Hertz President’s Circle automobile rental elite standing.*
• No international transaction charges.
• A plethora of journey and buying advantages, similar to cellphone safety, journey cancellation and interruption insurance coverage, Auto Rental Collision Harm Waiver, Return Safety, and extra.

The Chase Sapphire Most popular® Card additionally comes with an honest quantity of perks and accomplice advantages, and it’s not exhausting to justify paying the $95 annual charge:

• As much as $50 in annual lodge credit for bookings via the Chase Final Rewards® portal.
• 10% bonus factors of your whole purchases made the earlier yr, each account anniversary.
• 5x factors on Lyft rides via March 31, 2025.
• $10 month-to-month assertion credit score from Gopuff via December 31, 2023.
• Complimentary DoorDash DashPass subscription for $0 supply charges and decrease service charges on eligible orders via December 31, 2024.
• No international transaction charges.
• Journey and buying protections, together with journey cancellation and interruption insurance coverage, major rental automobile insurance coverage, buy safety, and extra.

The primary differentiator between the 2 playing cards is in the event you’re particularly searching for airport lounge entry and a International Entry or TSA PreCheck® credit score. These two advantages could make all of the distinction whenever you’re navigating a bustling airport.

Examine that to the Chase Sapphire Most popular®, which nonetheless boasts journey advantages however incorporates (doubtlessly) extra helpful on a regular basis perks, too.

Capital One Enterprise X Rewards: Professionals & Cons

Professionals

• Glorious journey advantages that may exceed the price of the annual charge. Do the maths, and it’s easy: you’ll come out forward in the event you’re a frequent traveler who can benefit from all of the Enterprise X’s perks.
• Phenomenal rewards charge, with the potential of incomes as much as 10X factors. It’s exhausting to rival the Enterprise X’s return on journey purchases.
• $750 in worth from the welcome supply. Incomes the sign-up bonus can assist you increase your level balances — to the tune of 75,000 bonus factors.

Cons

• The $395 annual charge is steep, even with the $300 annual journey credit score. And also you’ll be charged that charge upfront, so be ready to pay the worth.
• Rewards aren’t as precious (in comparison with different bank card applications). Whereas Capital One miles are straightforward to make use of, they’re not as profitable in comparison with Chase Final Rewards® factors.
• Reserving via the Capital One journey portal. As a way to get these candy 10X bonus factors on automobile leases and inns or dissipate the annual $300 journey credit score, you need to guide via the portal. In the event you favor to guide instantly with airways, automobile rental firms, and inns, this card will not be the best alternative for you.

Chase Sapphire Most popular®: Professionals & Cons

Professionals

• Your factors are price at the very least 1.25 cents every towards journey. In different phrases, that $250 flight will solely value you 10,000 factors, serving to you save in your hard-earned factors.
• Nice rewards charge for journey and on a regular basis purchases. You’re incomes factors in your day-to-day and whenever you’re on that dream journey.
• $750 in worth from the welcome supply. These 60,000 bonus factors can assist you unlock some nice journey redemptions, with Final Rewards® factors price 1.25 cents every — or doubtlessly extra.

Cons

• There’s a $95 annual charge. Though it’s not a loopy exorbitant charge, the cardboard is nowhere from “free” and nonetheless takes a little bit of legwork to maximise yr after yr.
• No premium journey advantages. Nonetheless, this shouldn’t come as a shock because it’s a card with solely a $95 annual charge.

Backside Line: Which Card Wins?

The place the Chase Sapphire Most popular® Card shines is its excessive rewards potential. In the meantime, the Capital One Enterprise X Rewards Credit score Card provides a horde of journey advantages that can enhance your journey alongside the way in which.

Subsequently, it’s not essentially about which card is the winner. If you wish to save huge on journey by leveraging bank card factors, the Chase Sapphire Most popular® is the way in which to go. Alternatively, in the event you spend 1000’s of {dollars} on journey yearly and wish luxurious advantages, the Capital One Enterprise X is the higher journey companion.

For Capital One merchandise listed on this web page, a number of the above advantages are supplied by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

*Upon enrollment, accessible via the Capital One web site or cellular app, eligible cardholders will stay at upgraded standing degree via December 31, 2024. Please word, enrolling via the conventional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) won’t mechanically detect a cardholder as being eligible for this system and cardholders won’t be mechanically upgraded to the relevant standing tier. Extra phrases apply.