Whereas there is no scarcity of enterprise playing cards in the marketplace, there are restricted choices for premium playing cards that present worth yr after yr. However now, Chase has lastly entered the premium enterprise card market with the introduction of the Chase Sapphire Reserve for Enterprise℠ (see charges and charges).
The favored Capital One Enterprise X Enterprise and The Enterprise Platinum Card® from American Specific have been pillars of the premium enterprise card marketplace for years now. However now that the Sapphire Reserve for Enterprise has arrived, let’s check out how all three of those playing cards stack up towards one another.
All these playing cards have annual charges increased than $395, however they’ve perks and advantages that may simply assist offset the annual charges.
Let’s leap into which card is true for your online business.
Comparability of the Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
| Enterprise X Enterprise | Amex Enterprise Platinum | Sapphire Reserve for Enterprise | |
|---|---|---|---|
| Annual price | $395 | $695 (see charges and charges) | $795 |
| Welcome provide | Earn 150,000 bonus miles after spending $30,000 on purchases within the first three months from account opening. | Earn 150,000 bonus factors after spending $20,000 on purchases inside 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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| Advantages |
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Enrollment is required for choose advantages, and phrases apply. |
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| Lounge entry |
Word: Beginning Feb. 1, 2026, visitor entry for Capital One lounges will value $45 per grownup visitor and $25 for youngsters 17 and beneath. It should stay free for youngsters beneath 2. Nevertheless, you possibly can unlock limitless visitor entry for Capital One lounges by spending $75,000 or extra in your card in a calendar yr. |
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| Assertion credit |
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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 varies by card. Not all automobile varieties or leases are lined, and geographic restrictions apply. Phrases, situations 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 Companies Firm, Inc.
**Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If accepted and coordinated by Premium International Help Hotline, emergency medical transportation help could also be supplied for free of charge. In every other circumstance, cardmembers are answerable for the prices charged by third-party service suppliers.
***Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
****Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
^Eligibility and profit ranges differ by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars.
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Associated: Your full information to journey protections on American Specific playing cards
Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise welcome provide
All three playing cards have welcome provides value at the least triple their annual price prices.
In the meantime, with the Amex Enterprise Platinum, new cardmembers can earn 150,000 bonus factors after spending $20,000 on purchases inside the first three months of card membership. TPG’s July 2025 valuations peg Amex Membership Rewards factors at 2 cents apiece, making this welcome provide value $3,000.
Lastly, 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 from account opening. TPG’s July 2025 valuations peg Chase Final Rewards factors at 2.05 cents apiece, making this welcome provide value $4,100.
Winner: Sapphire Reserve for Enterprise. Its welcome provide is value essentially the most.
Associated: Chase Sapphire Reserve for Enterprise: Chase debuts new premium card
Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise Advantages
Here is a have a look at the advantages of every card at first look:
| Capital One Enterprise X Enterprise | Amex Enterprise Platinum | Sapphire Reserve for Enterprise | |
|---|---|---|---|
| Assertion credit |
|
Enrollment is required for choose advantages, and phrases apply. |
|
| Advantages |
|
Enrollment is required for choose advantages, and phrases apply. |
|
| Lounge entry |
Word: Beginning Feb. 1, 2026, visitor entry for Capital One lounges will value $45 per grownup visitor and $25 for youngsters 17 and beneath. It should stay free for youngsters beneath 2. Nevertheless, you possibly can unlock limitless visitor entry for Capital One lounges by spending $75,000 or extra in your card in a calendar yr. |
Enrollment is required for choose advantages, and phrases apply. |
|
| Journey and buy protections |
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*****Eligibility and profit degree varies by card. Not all automobile varieties or leases are lined, and geographic restrictions apply. Phrases, situations 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 Companies Firm, Inc.
******Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If accepted and coordinated by Premium International Help Hotline, emergency medical transportation help could also be supplied for free of charge. In every other circumstance, cardmembers are answerable for the prices charged by third-party service suppliers.
*******Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
********Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.
^^Eligibility and profit ranges differ by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars.
^^^Upon enrollment, accessible via the Capital One web site or cellular app, eligible cardholders will stay at that standing degree via the period of the provide. Please notice, enrolling via 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. Extra phrases apply
Every card’s standout profit is lounge entry. The Amex Enterprise Platinum takes the cake, because it has unmatched lounge entry with the International Lounge Assortment. Nevertheless, the Enterprise X Enterprise and the Sapphire Reserve for Enterprise provide wonderful lounge entry with their very own ever-expanding lounge networks of Capital One lounges and Sapphire Lounges. And all of the playing cards embrace a Precedence Cross membership.
Moreover, the Sapphire Reserve for Enterprise provides the very best visitor lounge entry, arms down. Cardholders can deliver two complimentary friends with them into Sapphire lounges. Amex Enterprise Platinum Card members can unlock Centurion Lounge visitor entry by spending $75,000 or extra on their card in a calendar yr. Lastly, Enterprise X Enterprise cardholders can at the moment usher in two complimentary friends, however beginning Feb. 1, 2026, cardholders must spend $75,000 or extra per yr to unlock visitor entry, which mirrors the Amex Enterprise Platinum’s lounge visitor entry coverage. No matter spending, with both of the playing cards, you will obtain two complimentary friends when visiting Precedence Cross lounges.
Moreover, every card has some variation of an annual journey credit score. The Amex Enterprise Platinum is essentially the most restrictive, as it’s an airline incidentals credit score, and it’s important to designate one airline to apply it to. It covers issues like checked baggage and seat assignments, however it typically will not cowl ticket purchases. The Enterprise X Enterprise annual journey credit score could be very simple to make use of, with the one caveat being that it’s important to guide journey by way of the Capital One Journey portal. Lastly, the Chase Sapphire Reserve for Enterprise has the simplest credit score to make use of, as it can cowl something that Chase broadly defines as journey, together with parking, tolls and ferries. This credit score is automated, and you do not have to guide via a journey portal.
All these playing cards even have quite a few lodge perks, with two together with automated elite standing and all of them getting access to luxurious lodge reserving platforms like Capital One’s Premier Assortment and Way of life Assortment, Chase’s The Edit and American Specific’ Nice Resorts + Resorts and The Resort Assortment. When reserving via these platforms, you will obtain elitelike advantages and on-property credit.
Lastly, all three playing cards have wonderful journey and buy protections. The Amex Enterprise Platinum and the Sapphire Reserve for Enterprise provide barely extra protections than the Enterprise X Enterprise in case your journey plans go awry. Nevertheless, the Sapphire Reserve for Enterprise takes the cake out of the three, because it provides essentially the most strong protections.
Winner: Chase Sapphire Reserve for Enterprise. It barely beats the Amex Enterprise Platinum within the complete worth of its assertion credit. It additionally has barely higher journey protections.
Incomes on the Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
All these enterprise playing cards are nice for incomes versatile currencies. The Enterprise X Enterprise earns:
- 10 miles per greenback spent on accommodations and rental automobiles booked via Capital One Journey (18.5% return primarily based on TPG’s July 2025 valuations)
- 5 miles per greenback spent on flights and trip leases booked via Capital One Journey (9.25% return)
- 2 miles per greenback spent on all different purchases (3.7% return)
The Amex Enterprise Platinum earns:
- 5 factors per greenback spent on flights and pay as you go accommodations booked with amextravel.com (10% return primarily based 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. — development materials and {hardware} suppliers, electronics items retailers, software program and cloud system suppliers, and transport 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)
The Sapphire Reserve for Enterprise has essentially the most bonus classes incomes:
- 8 factors per greenback spent on Chase Journey purchases (16.4% return primarily based on TPG’s July 2025 valuations)
- 5 factors per greenback spent on eligible Lyft rides via Sept. 30, 2027 (10.25% return)
- 4 factors per greenback spent on flights and accommodations booked instantly (8.2% return)
- 3 factors per greenback spent on promoting purchases made with social media websites and search engines like google (6.15% return)
- 1 level per greenback spent on all different purchases (2.05% return)
The Enterprise X Enterprise provides the only earnings with miles, and you may earn at the least 2 miles on each buy. The Amex Enterprise Platinum incomes charges should not the strongest, as they solely provide bonus earnings of greater than 1 level per greenback spent on purchases over $5,000 and flights and accommodations booked via Amex Journey. These incomes charges may be limiting for companies should you do not routinely have massive purchases or prefer to guide journey via a web based journey company.
The Sapphire Reserve for Enterprise provides essentially the most bonus-earning classes and could be a nice possibility for companies with excessive promoting spending, as there isn’t a spending cap on the promoting bonus class. Moreover, the Reserve for Enterprise provides companies the pliability to guide accommodations and flights instantly and earn essentially the most bonus rewards out of the three playing cards.
Winner: Chase Sapphire Reserve for Enterprise. It provides essentially the most bonus classes and is the one card with elevated earnings on promoting and direct lodge and flight purchases.
Associated: Greatest bank cards for promoting
Redeeming rewards on the Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
With all three playing cards, you possibly can redeem your rewards earned for money again, Amazon purchases, present playing cards and journey booked via every issuer’s respective journey portal. Nevertheless, with these choices, redemption charges aren’t favorable. They are much decrease than TPG’s July 2025 valuations and, in some circumstances, even decrease than 1 cent per level or mile.
All three playing cards have switch companions in every of the three main airline alliances: Oneworld, SkyTeam and Star Alliance. Moreover, each card has at the least one home airline switch accomplice.
The Enterprise X Enterprise permits you to redeem miles at 1 cent per mile for journey booked by way of the Capital One Journey portal. You can too redeem miles to cowl latest journey purchases at 1 cent per mile.
With the Amex Enterprise Platinum, you possibly can redeem factors to cowl purchases at 0.60 cents per level, or you should utilize them to guide journey by way of Amex Journey at a charge of 0.70 cents per level for pay as you go accommodations and 1 cent per level for flights. You even have the Pay with Factors perk that provides you 35% of your factors again (as much as 1 million per yr) whenever you guide business- or first-class flights or economy-class flights in your designated airline by way of Amex Journey. Nevertheless, this perk has been devalued, and beginning Sept. 18, you will solely have the ability to get factors again in your designated airline, no matter cabin class.
With the Sapphire Reserve for Enterprise, factors can be utilized to guide journey instantly via Chase Journey℠ at a worth of as much as 2 cents per level, relying on the precise redemption, with the brand new Factors Increase redemption function. Factors Increase provides elevated redemption charges of greater than 1 cent per level on choose Chase Journey redemptions. Choose flight and lodge redemptions may be made at a charge between 1.5 to 2 cents per level.
Winner: Chase Sapphire Reserve for Enterprise. Your factors with Chase are doubtlessly value essentially the most when redeeming via a journey portal.
Associated: Cashing in Capital One miles? How one can get the utmost worth when redeeming miles
Transferring rewards on the Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
With any of those playing cards, your finest guess for the very best redemption worth is to switch your rewards to companions.
Enterprise X Enterprise cardholders have entry to Capital One’s roster of 15-plus switch companions. In style companions embrace Air Canada Aeroplan, Avianca LifeMiles and Singapore KrisFlyer.
Amex Enterprise Platinum Card members have entry to Amex’s roster of 18 airways and three lodge companions. In style companions embrace Air Canada Aeroplan, Delta SkyMiles and Virgin Atlantic Flying Membership.
I are likely to switch factors earned with my Enterprise Platinum Card to Delta SkyMiles to make the most of that program’s frequent award flash gross sales.
With the Chase Sapphire Reserve for Enterprise℠, you will have entry to Chase’s 14 switch companions. In style companions embrace British Airways Membership, Southwest Speedy Rewards and World of Hyatt.
Winner: Chase Sapphire Reserve for Enterprise. The Chase enterprise card takes the sting, because it provides excellent worth with lodge companions and is the one card to have World of Hyatt as a accomplice.
Associated: Bank card switch companions: Information to transferring factors and miles to airways and accommodations
Ought to I get the Enterprise X Enterprise, Amex Enterprise Platinum or Sapphire Reserve for Enterprise?
Nevertheless, if you’d like extra perks like assertion credit, automated elite standing and the very best lounge entry, the Amex Enterprise Platinum is your decide.
If you need lounge entry with the very best visitor entry and essentially the most bonus earnings classes, it is best to go for the Sapphire Reserve for Enterprise.
Backside line
When you’re in search of a enterprise rewards card, these choices are all nice. Any of them could be a stable addition to your pockets. The Enterprise X Enterprise has a a lot decrease annual price and comes loaded with perks; nevertheless, the Amex Enterprise Platinum and the Chase Sapphire Reserve for Enterprise merely provide extra worth with extra assertion credit and elite standing. When you’re actually trying to maximize factors and miles incomes potential, you might add two and even all three playing cards to your pockets.
Apply right here: The Enterprise Platinum Card from American Specific
Apply right here: Chase Sapphire Reserve for Enterprise
Study extra: Capital One Enterprise X Enterprise
For charges and charges of the Amex Enterprise Platinum, click on right here.
For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
