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Chase and Capital One are leaders within the journey rewards bank card area. In case you’re in search of your subsequent journey rewards bank card, the Chase Sapphire Most well-liked® Card (see charges and costs) and the Capital One Enterprise X Rewards Credit score Card are each nice choices to think about.
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 nicely, with the Sapphire Most well-liked carrying a $95 annual price and the Enterprise X a $395 annual price.
Having a better annual price does not imply the Enterprise X is robotically the higher card, because the Sapphire Most well-liked is sort 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 will earn Chase Final Rewards factors, when you’ll earn Capital One miles with the Enterprise X.
Let’s leap 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 provide
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 provide value $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 provide value $1,850.
Winner: Enterprise X. Its present welcome bonus is value over $300 extra.
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Associated: Finest bank card welcome provides this month
Sapphire Most well-liked vs. Enterprise X advantages
Each playing cards provide related advantages, reminiscent of no international transaction charges, buying and journey protections, and first rental automobile 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 straightforward to make use of.
The Enterprise X offers wonderful lounge entry by way of entry to greater than 1,300 Precedence Cross 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. Nonetheless, the Sapphire Most well-liked has baggage delay insurance coverage, which the Enterprise X doesn’t provide.
Winner: Enterprise X. It offers considerably extra worth with the $300 Capital One Journey credit score on bookings via Capital One Journey, anniversary bonus miles, lounge entry, TSA PreCheck/International Entry credit score and computerized elite standing, however that is to be anticipated, because it has greater than quadruple the annual price of the Sapphire Most well-liked.
Associated: Why you must add licensed customers on the Capital One Enterprise X
Incomes rewards with the Sapphire Most well-liked vs. Enterprise X
Each playing cards earn at the very least 5 factors or miles per greenback spent on journey booked via their respective portals; nevertheless, this might not be notably helpful to most, as I usually do not suggest reserving via journey portals.
Whereas the Sapphire Most well-liked has extra bonus-earning classes, some are slightly area of interest. It does earn 3 factors per greenback spent in just a few 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 at the very least 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 offers simplicity with its earnings.
Associated: Why I like my Chase Sapphire Most well-liked Card — and can at all times hold 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. Nonetheless, there are different redemption choices for every card. Each playing cards’ rewards might be redeemed for a set worth in every issuer’s respective journey portal, in addition to for present playing cards and money again (although the latter two choices present the worst redemption worth).
With the Sapphire Most well-liked, your factors are value as much as 1.75 cents every via the Factors Increase function 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 choice when you’re having bother discovering award availability.
With the Enterprise X, you possibly can redeem miles at a set fee of 1 cent per mile for all travel-related purchases made in your card or for journey booked via Capital One Journey.
Winner: Sapphire Most well-liked. When redeeming factors via Chase Journey, factors are value as much as 1.75 cents every, whereas redeeming miles by way of Capital One Journey or for journey purchases are solely value 1 cent every.
Associated: Chase Sapphire Most well-liked advantages: The whole lot you’ll want to know
Transferring rewards with the Sapphire Most well-liked vs. Enterprise X
Transferring rewards you earn from both card offers most redemption worth.
With the Sapphire Most well-liked, you will have entry to Chase’s 13 airline and resort companions. All companions switch at a 1:1 ratio.
I sometimes switch my Final Rewards factors to World of Hyatt, as this system nonetheless makes use of a fixed-price award chart and offers me with excellent worth when touring to fashionable locations throughout peak or busy seasons.
Not too long ago, I transferred 6,000 Final Rewards factors to Hyatt for a quick in a single day keep on the Hyatt Place Amsterdam Airport, which might have value me over $200.
With Capital One, you will have entry to 15-plus airline and resort companions. Nonetheless, 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 may as well use to e-book home flights.
Augusta Stone, a bank cards author at TPG, just lately transferred 15,000 Capital One miles to Air France-KLM Flying Blue to e-book two one-way home Delta Air Strains 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 resort associate and two home airline companions, and all of its switch ratios are at a 1:1 fee.
Associated: How one can redeem Chase Final Rewards factors for optimum worth
Ought to I get the Sapphire Most well-liked or Enterprise X?
In case you favor strong journey protections for a decrease annual price and extra U.S. airline switch companions, then the mid-tier Sapphire Most well-liked is the way in which to go. Nonetheless, when you’re after a premium card with perks like lounge entry, assertion credit and extra in depth journey protections, then I like to recommend choosing the Enterprise X.
Associated: Why Capital One Enterprise X gained the TPG Award for Finest Premium Journey Credit score Card
Backside line
The Chase Sapphire Most well-liked and Capital One Enterprise X Rewards Credit score Card each ship wonderful journey worth, however they serve several types 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 price.
Nonetheless, the Sapphire Most well-liked stays among the best mid-tier playing cards available on the market. Its robust 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 price.
If you need premium perks and are snug paying for them, select Enterprise X. In case you favor a decrease annual price with wonderful worth and top-tier switch companions, the Sapphire Most well-liked is tough to beat. Relying in your journey patterns, both card (and even each) is usually a strategic addition to your pockets.
To be taught extra, learn our full opinions of the Chase Sapphire Most well-liked and the Capital One Enterprise X.
Apply right here: Chase Sapphire Most well-liked Card
Be taught extra: Capital One Enterprise X Rewards Credit score Card
For Capital One merchandise listed on this web page, among the advantages could also be offered 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 via the Capital One web site or cell app, eligible cardholders will stay at that standing stage via the length of the provide. Please word, enrolling via the conventional Hertz Gold Plus Rewards enrollment course of (e.g., at hertz.com) won’t robotically detect a cardholder as being eligible for this system, and cardholders won’t be robotically upgraded to the relevant standing tier. Extra phrases apply.
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