The Enterprise Platinum Card® from American Specific has lengthy stood on the prime of the journey rewards enterprise card market, with the one important competitors coming from the Capital One Enterprise X Enterprise — till lately.
Chase lastly entered the premium enterprise card market and is offering Amex with some stiff competitors with the introduction of the Chase Sapphire Reserve for Enterprise℠ (see charges and costs).
These playing cards share many similarities and some key variations. Let’s examine how these two powerhouse enterprise playing cards stack up in opposition to one another and which one you need to add to your pockets.
Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise comparability
| Amex Enterprise Platinum | Sapphire Reserve for Enterprise | |
|---|---|---|
| Annual payment | $695 (see charges and costs) | $795 |
| Welcome provide | Earn 150,000 bonus factors after spending $20,000 on eligible purchases throughout the first three months of card membership. | Earn 200,000 bonus factors after spending $30,000 on purchases within the first six months from account opening. |
| Incomes charges |
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| Assertion credit |
Enrollment is required for choose advantages, and phrases apply. |
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| Lounge entry |
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| Different advantages |
Enrollment is required for choose advantages, and phrases apply. |
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| Journey and buy protections |
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*Eligibility and profit degree range by card. Not all automobile varieties or leases are lined, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable via American Specific Journey Associated Providers Firm, Inc.
**Eligibility and profit degree range by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If authorized and coordinated by Premium World Help Hotline, emergency medical transportation help could also be supplied for free of charge. In some other circumstance, cardmembers are chargeable for the prices charged by third-party service suppliers.
***Eligibility and profit degree range by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
****Eligibility and profit degree range by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise welcome provide
Each playing cards’ welcome provide worth effectively surpasses the annual payment value by a minimum of 4 instances.
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This provide is price $3,000 based mostly on TPG’s July 2025 valuations, as Membership Rewards factors are price 2 cents apiece.
In the meantime, new candidates for the Sapphire Reserve for Enterprise can earn 200,000 bonus factors after spending $30,000 on purchases within the first six months of account opening.
This provide is price $4,100 based mostly on TPG’s July 2025 valuations, as Chase Final Rewards factors are price 2.05 cents apiece.
Winner: Sapphire Reserve for Enterprise. Its welcome provide is price over $1,000 greater than the Amex Enterprise Platinum’s.
Associated: Finest welcome affords of the month
Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise advantages
At first look, right here is how these two playing cards’ advantages stack up:
| Amex Enterprise Platinum | Sapphire Reserve for Enterprise | |
|---|---|---|
| Assertion credit |
Enrollment is required for choose advantages, and phrases apply. |
|
| Lounge entry |
|
|
| Different advantages |
Enrollment is required for choose advantages, and phrases apply. |
|
| Journey and buy protections |
|
|
*Eligibility and profit degree range by card. Not all automobile varieties or leases are lined, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable via American Specific Journey Associated Providers Firm, Inc.
**Eligibility and profit degree range by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If authorized and coordinated by Premium World Help Hotline, emergency medical transportation help could also be supplied for free of charge. In some other circumstance, cardmembers are chargeable for the prices charged by third-party service suppliers.
***Eligibility and profit degree range by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
****Eligibility and profit degree range by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
Lounge entry
Each playing cards’ standout profit is lounge entry. With the Amex Enterprise Platinum, you will have entry to the World Lounge assortment, which incorporates:
- Centurion Lounges
- Precedence Move lounges (eating places not included)
- Aspire lounges
- Escape Lounges
- Plaza Premium lounges
- Delta Sky Golf equipment (when touring on same-day Delta Air Traces flights on a non-basic financial system ticket; eligible Platinum Card members will obtain 10 visits per eligible Platinum Card, per yr to the Delta Sky Membership or to a grab-and-go location when touring on a same-day Delta-operated flight, except you spend $75,000 or extra per calendar yr to unlock limitless visits).
Nonetheless, with Amex’s flagship lounges, the Centurion Lounges, visitor entry isn’t included. You will have to spend $75,000 or extra every calendar yr to realize entry for 2 complimentary friends.
In the meantime, with the Sapphire Reserve for Enterprise, you are allowed two complimentary friends at Chase’s flagship Sapphire lounges. There are presently 25 open Centurion lounges with 4 extra on the best way, whereas there are eight Sapphire lounges with plans for 3 extra.
Assertion credit and different advantages
Moreover, each playing cards include an array of annual assertion credit to offer you further worth. Essentially the most notable credit score on the Amex Enterprise Platinum is the as much as $200 in annual airline incidental credit score on a delegated airline of your alternative, which covers issues like baggage charges, seat choice, upgrades, and inflight meals and beverage purchases.
It does not cowl ticket purchases, although some on-line discussion board customers have reported having the ability to purchase choose flights and have the credit score set off.
Alternatively, the Sapphire Reserve for Enterprise has a really versatile annual $300 journey credit score. It’s going to cowl something Chase defines as journey, comparable to parking, taxis and tolls, and does not require reserving via a journey portal.
Moreover, every card has different travel- and business-centric credit that may present effectively over $1,200 in worth yearly.
Each playing cards additionally shine with resort advantages, together with assertion credit and elite standing. The Amex Enterprise Platinum confers computerized Hilton Honors and Marriott Bonvoy Gold elite standing. Plus, you will obtain an up-to-$200 (as much as $50 per quarter) Hilton credit score every calendar yr.
The Sapphire Reserve for Enterprise affords computerized IHG Platinum Elite standing (via Dec. 31, 2027). Which resort standing is extra useful for you depends upon which resort chain you like to stick with, however when you’re model agnostic, the Enterprise Platinum could also be a better option as a result of it affords elite standing at two separate manufacturers.
You will additionally obtain an up-to-$500 annual (as much as $250 biannually) credit score for The Edit by Chase Journey, Chase’s luxurious resort reserving platform (minimal two-night keep required). When reserving via The Edit, you’ll nonetheless obtain any resort loyalty elite advantages and earnings regardless of reserving via an internet journey company.
With the Enterprise Platinum, you will even have entry to American Specific Positive Resorts + Resorts and The Resort Assortment (minimal two-night keep for THC).
Lastly, each playing cards present wonderful journey and buy protections, however the Sapphire Reserve for Enterprise takes the slight edge because it gives complimentary main rental automobile insurance coverage.
Winner: Sapphire Reserve for Enterprise. It consists of complimentary visitor entry to Sapphire lounges, its annual journey credit score is less complicated to make use of and it gives barely higher journey protections.
Associated: Chase Sapphire Reserve assertion credit: What they’re and learn how to use them
Incomes factors on the Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
Each playing cards earn useful transferable factors that enable for excessive flexibility when it comes time to redeem your factors.
With the Amex Enterprise Platinum you will earn:
- 5 factors per greenback spent on flights and pay as you go resorts booked via Amex Journey (a ten% return based mostly on TPG’s July 2025 valuations)
- 1.5 factors per greenback spent on purchases of $5,000 or extra and in choose enterprise classes within the U.S. — building materials and {hardware} suppliers, electronics items retailers, software program and cloud system suppliers, and delivery suppliers — on as much as $2 million of purchases in a calendar yr, then 1 level per greenback (3% return)
- 1 level per greenback spent on different purchases (1% return)
In the meantime, with the Sapphire Reserve for Enterprise you will earn:
- 8 factors per greenback spent on Chase Journey purchases (a 16.4% return based mostly on TPG’s July 2025 valuations)
- 5 factors per greenback spent on eligible Lyft rides via Sept. 30, 2027 (a ten.25% return)
- 4 factors per greenback spent on flights and resorts booked straight (an 8.2% return)
- 3 factors per greenback spent on promoting purchases made with social media websites and search engines like google and yahoo (a 6.15% return)
- 1 level per greenback spent on all different purchases (a 2.05% return)
The Sapphire Reserve for Enterprise takes the cake because it has nearly double the bonus classes of the Amex Enterprise Platinum. Concerning journey, the Sapphire Reserve for Enterprise earns 4 factors per greenback spent on flights and resorts booked straight, whereas with the Enterprise Platinum, you will earn 5 factors per greenback spent, however you need to e book via the Amex Journey portal for flights and pay as you go resorts.
I favor the flexibleness of not having to e book via a journey portal, so I’d fortunately sacrifice the 1 level. Moreover, the Sapphire Reserve for Enterprise affords greater incomes charges than the Amex Enterprise Platinum on journey booked via every issuer’s respective journey portal.
Moreover, enterprise homeowners with excessive promoting spending will respect the three factors per greenback spent the Sapphire Reserve for Enterprise affords on promoting. This bonus class has no spending cap, not like most different playing cards with this bonus class.
The Amex Enterprise Platinum does come out forward on purchases in choose enterprise classes and on massive purchases of $5,000 or extra, as you will earn 1.5 factors per greenback spent on as much as $2 million of purchases every calendar yr (then 1 level per greenback spent).
Winner: Sapphire Reserve for Enterprise. It affords extra bonus classes and the flexibility to earn bonus rewards on flights and resorts booked straight, and uncapped bonus earnings on promoting spending.
Associated: Enterprise playing cards vs. private playing cards: Key variations
Redeeming factors on the Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
Regardless of the numerous choices for redeeming factors, these strategies do not yield the best return and ought to be averted. The very best return comes from transferring factors to journey companions.
On the Amex Enterprise Platinum, you possibly can redeem factors to cowl purchases at a poor price of 0.6 cents per level or use them to e book pay as you go resort and flights through Amex Journey at a lackluster price of 0.7 cents per level for resorts and 1 cent per level for flights.
Nonetheless, you may get extra worth in your factors utilizing the Pay with Factors function that offers you 35% of your factors again (as much as 1 million factors per yr) once you e book economy-class flights in your designated airline or business-class and first-class flights on any airline through Amex Journey.
This Pay with Factors function will probably be modified beginning Sept. 18, with a significant devaluation, as you will solely be capable to get factors again on designated airways in any cabin class.
With the Sapphire Reserve for Enterprise, you possibly can redeem your factors to e book via Chase Journey at an elevated worth of as much as 2 cents per level, relying on the precise redemption, with the brand new Factors Enhance function. Factors Enhance affords cardholders elevated redemption charges greater than 1 cent per level on choose Chase Journey redemptions, together with choose flight and resort redemptions.
The Edit stays will be booked at a price of two cents per level, and choose flight redemptions will be booked at a price between 1.5 and a couple of cents per level. Moreover, you possibly can redeem factors at a price of 1 cent per level for money again and reward playing cards (Chase generally has affords the place you may get greater than 1 cent per level on reward card redemptions).
Winner: Sapphire Reserve for Enterprise. Each playing cards provide elevated redemption charges when reserving choose journey via their respective journey portals; nonetheless, the Sapphire Reserve for Enterprise takes the slight edge as you possibly can usually redeem factors for larger worth.
Associated: Who ought to get the Chase Sapphire Reserve for Enterprise card?
Transferring factors on the Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
The perfect redemption possibility for both card is transferring rewards to companions. Every issuer has its personal intensive community of switch companions that may present outsize worth.
The factors earned on the Amex Enterprise Platinum will be transferred to 17 airways and three resort companions, most of which switch at a 1:1 ratio. Some notable companions embrace Avianca LifeMiles, Delta SkyMiles and Virgin Atlantic Flying Membership.
I prefer to switch my factors earned on the Amex Enterprise Platinum to Avianca LifeMiles to e book business-class flights on companion Star Alliance airways to Europe.
The factors earned on the Sapphire Reserve for Enterprise will be transferred to 11 airways and three resort companions, all at a 1:1 ratio. Some notable companions are Air Canada Aeroplan, Air France-KLM Flying Blue and United Airways MileagePlus.
Each playing cards have entry to companions in every of the three main airline alliances: Oneworld, SkyTeam and Star Alliance, which might help get you to just about any nook of the globe.
Regardless of Amex having over 30% extra companions than Chase, that does not give Amex a transparent edge right here, as Chase has World of Hyatt as a companion. World of Hyatt is my go-to Chase switch companion and affords excellent resort redemptions because of a set award chart.
With each playing cards, you possibly can benefit from switch bonuses, which might make your factors price much more.
Winner: Sapphire Reserve for Enterprise. It has entry to World of Hyatt for resort redemptions, which might present wonderful worth, and all companions switch at a 1:1 ratio.
Associated: From worldwide enterprise class to home journey: Chase Final Rewards candy spots
Ought to I get the Amex Enterprise Platinum or Sapphire Reserve for Enterprise?
Each playing cards are wonderful choices for enterprise homeowners on the lookout for premium journey rewards playing cards. If you need one of the best lounge entry for the first cardmember, helpful business-centered assertion credit, nice journey protections and a barely decrease annual payment, go for the Amex Enterprise Platinum.
Nonetheless, if you would like complimentary visitor entry to lounges, higher incomes charges throughout the board, higher-value assertion credit and industry-leading journey protections, and also you’re prepared to pay the upper annual payment, add the Sapphire Reserve for Enterprise to your pockets.
Backside line
And if you cannot determine which is greatest for you, take into account including each to your pockets, as it isn’t a foul thought to diversify your transferable currencies.
To study extra, learn our full opinions of the Amex Enterprise Platinum and Chase Sapphire Reserve for Enterprise.
Apply right here: Amex Enterprise Platinum
Apply right here: Chase Sapphire Reserve for Enterprise
For charges and costs of the Amex Enterprise Platinum, click on right here.
