In case you’re searching for a premium travel rewards credit card, two in style choices are prone to pop up in your search: the recently refreshed Chase Sapphire Reserve® (see rates and fees) and the Capital One Venture X Rewards Credit Card.
These playing cards range in relation to annual charges, incomes charges and advantages. And, after all, every earns factors or miles in its personal forex. You will accumulate Chase Ultimate Rewards factors with the Sapphire Reserve, whilst you’ll earn Capital One miles with the Enterprise X.
Whether or not you are weighing a swap from one choice to the opposite or able to apply for your first premium card, both could possibly be a strong selection, relying in your targets and spending habits.
Let’s analyze the small print of every that can assist you resolve whether or not the Capital One Enterprise X or the Chase Sapphire Reserve is the cardboard for you.
Capital One Enterprise X vs. Chase Sapphire Reserve comparability
Here is what to know concerning the playing cards at first look.
| Characteristic | Capital One Enterprise X | Chase Sapphire Reserve |
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$395 |
$795 |
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Earn 100,000 bonus miles after spending $10,000 on purchases within the first six months from account opening. |
Earn as much as 175,000 bonus factors after spending $6,000 on purchases within the first three months of account opening.
You could verify to see for those who’re eligible for the 175,000 level provide by way of the Chase pre-qualification widget. There isn’t a affect to your credit score rating. This provide is simply out there by way of this device. If you’re not eligible for this elevated provide, you should still be eligible to earn the usual 125,000-point provide with the identical spend necessities. |
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Elevated incomes charges on flights and inns booked immediately and Chase Journey purchases apply solely after exhausting the $300 annual journey credit score. |
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*Upon enrollment, accessible by the Capital One web site or cellular app, eligible cardholders will stay at that standing stage by the period of the provide. Please be aware, enrolling by the traditional 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.
Capital One Enterprise X vs. Chase Sapphire Reserve welcome provide
New Venture X cardholders can earn 100,000 bonus miles after spending $10,000 on purchases within the first six months from account opening.
TPG’s November 2025 valuations peg Capital One miles at 1.85 cents apiece, making this welcome provide value $1,850.
In the meantime, new Sapphire Reserve cardholders can earn as much as 175,000 bonus factors after spending $6,000 on purchases within the first three months of account opening with no affect to your credit score. Once more, you need to verify to see for those who’re eligible for the 175,000 level provide by way of the Chase pre-qualification widget. This provide is simply out there by way of this device.
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In case you’re not eligible for this elevated provide, you should still be eligible to earn the usual 125,000-point provide with the identical spend necessities.
TPG’s November 2025 valuations peg Chase Final Rewards factors at 2.05 cents apiece, making this welcome provide value as much as $3,588.
Chase Final Rewards factors are barely extra worthwhile than Capital One miles, due partly to Chase’s high-value switch companions.
Winner: Sapphire Reserve. Its welcome bonus is value extra.
Associated: Highest offer in 4 years: Just how good is the Capital One Venture X’s 100,000‑mile bonus?
Capital One Enterprise X vs. Chase Sapphire Reserve advantages
The advantages are what make these playing cards stand out above the remainder. Here is a take a look at the advantages at first look.
| Profit | Enterprise X | Sapphire Reserve |
|---|---|---|
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Plus, you’ll be able to unlock these advantages after spending $75,000 or extra in a calendar 12 months:
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Each playing cards have a $300 annual journey assertion credit score, however there are some key variations to contemplate. The journey credit score on the Venture X is not versatile; it’s important to e book by Capital One Travel to be reimbursed.
The Sapphire Reserve‘s credit score is simpler to use because it robotically applies to any journey buy as much as $300 and does not require reserving immediately with Chase.
The credit score on the Sapphire Reserve can cowl all the things from tolls to parking meters to worldwide subway fares. Moreover, with the Sapphire Reserve, you obtain myriad credits, together with an as much as $250 biannual The Edit credit score for two-night pay as you go resort stays and an as much as $150 biannual Chase Eating credit score.
In the case of lounge entry, each playing cards provide a Priority Pass membership. This grants entry to over 1,800 lounges for the cardholder and as much as two friends. Nonetheless, starting Feb. 1, 2026, major cardholders and approved customers of the Enterprise X will not have the ability to deliver complimentary friends to Precedence Move lounges. A charge of $35 will apply per visitor.
Each issuers are additionally actively increasing their very own lounge networks.
5 Capital One lounges and one Capital One Touchdown are at the moment open at six airports throughout the U.S. One other Capital One Touchdown is scheduled to open at New York’s LaGuardia Airport (LGA).
Chase has its own growing network of airport lounges, with eight lounges at the moment open.
Chase additionally plans to open lounges at Harry Reid Worldwide Airport (LAS) and Los Angeles Worldwide Airport (LAX) sooner or later.
Each playing cards include ancillary advantages, such because the Sapphire Reserve’s numerous DoorDash perks and IHG One Rewards Platinum Elite status (by Dec. 31, 2027) and the Enterprise X’s complimentary Hertz President’s Circle status, that will not essentially transfer the needle for potential candidates.
Nonetheless, these perks are all value benefiting from for those who resolve to use for both card.
With the Enterprise X, you will get a ten,000-mile anniversary bonus annually for each cardholder anniversary.
Moreover, each playing cards are Visa Infinite cards and supply high-level journey and buy protections.
Winner: Sapphire Reserve. Its advantages and assertion credit present nearly triple the worth of the Enterprise X’s. Plus, starting Feb. 1, 2026, friends may have higher lounge entry on the Sapphire Reserve.
Associated: 5 ways to ensure you have lounge access before your next flight
Incomes rewards with the Capital One Enterprise X vs. Chase Sapphire Reserve
Each playing cards earn ultra-flexible rewards currencies. The Venture X earns:
- 10 miles per greenback spent on inns and automotive leases booked by Capital One Journey
- 5 miles per greenback spent on flights and trip leases booked by Capital One Journey
- 2 miles per greenback spent on all different purchases
In the meantime, the Sapphire Reserve earns:
- 10 factors per greenback spent on Peloton tools and accent purchases of $150 or extra (by Dec. 31, 2027), with a most of fifty,000 factors
- 8 factors per greenback spent on purchases made by Chase Journey, together with The Edit
- 5 factors per greenback spent on Lyft rides (by Sept. 30, 2027)
- 4 factors per greenback spent on flights and inns booked immediately
- 3 factors per greenback spent on eating worldwide
- 1 level per greenback spent on all the things else
Elevated incomes charges on flights and inns booked immediately and Chase Journey purchases apply solely after exhausting the $300 annual journey credit score.
In response to TPG’s valuations, the Enterprise X presents an 18.5% return on inns and rental vehicles booked by Capital One’s portal, whereas the Sapphire Reserve returns 16.4% on purchases by Chase Journey.
The Enterprise X presents simplicity with 2 miles per greenback spent on all different purchases. The Sapphire Reserve presents greater returns in sure classes, together with 4 factors per greenback spent on inns and flights booked immediately and three factors per greenback spent on dining purchases.
Frequent vacationers will doubtless earn extra with the Sapphire Reserve’s bonus classes than they’ll with the Enterprise X’s flat-rate incomes construction.
Winner: Sapphire Reserve. It presents bonus earnings in classes past journey portal bookings.
Associated: Best rewards credit cards
Redeeming rewards with the Capital One Enterprise X vs. Chase Sapphire Reserve
Probably the most worthwhile choice for redeeming with both the Capital One Venture X or the Sapphire Reserve is transferring factors or miles to journey companions. Nonetheless, that is not the one manner to make use of your rewards on both card.
Capital One miles and Chase Final Rewards factors can each be used for flat-rate redemptions on every respective issuer’s journey portal.
With the Chase Sapphire Reserve, your factors can be utilized to e book journey immediately by Chase Journey at a price of as much as 2 cents per level, relying on the cardboard and the precise redemption, with the Points Boost feature (see your rewards program settlement for full particulars).
Whereas this is not as rewarding as transferring your factors to Chase’s switch companions, this redemption choice is helpful if in case you have bother discovering award house.
In the meantime, Enterprise X presents fixed-rate travel redemptions at simply 1 cent per mile — and whereas this may be utilized to any journey buy charged to the cardboard, it is nonetheless notably decrease.
Each the Enterprise X and the Sapphire Reserve additionally provide much less profitable redemption choices, reminiscent of present playing cards and money again.
Winner: Chase Sapphire Reserve. Redeeming your rewards for journey is as much as 50% extra profitable than with the Enterprise X.
Associated: Combination of points and cash: How I strategize my award redemptions
Transferring rewards with the Capital One Enterprise X vs. Chase Sapphire Reserve
Transferring rewards to journey companions is the easiest way to maximise these hard-earned factors and miles.
Each Chase and Capital One provide a powerful listing of switch companions, making redeeming rewards the best choice.
With the Chase Sapphire Reserve, you’ll be able to switch your Final Rewards factors at a easy 1:1 ratio.
Then again, the Capital One miles program has companions that switch at a 1:1 ratio for probably the most half, however there are a few exceptions that switch at a much less favorable ratio.
Chase has 13 airline and hotel transfer partners, which embody Air Canada Aeroplan, Air France-KLM Flying Blue and United MileagePlus, to call a number of.
In the meantime, Capital One has 15-plus transfer partners. Some notable names embody Avianca LifeMiles, Etihad Guest and Turkish Airlines Miles&Smiles.
TPG bank cards author Chris Nelson constantly transfers his Final Rewards factors to companions to redeem them for outsize worth. He just lately transferred 54,000 factors to United MileagePlus to improve to Polaris business class on a flight from Newark Liberty Worldwide Airport (EWR) to O.R. Tambo Worldwide Airport (JNB).
It’s also possible to reap the benefits of transfer bonuses to get most worth.
Winner: Tie. Regardless of Capital One having extra switch companions, not all transfers happen at a 1:1 ratio.
Ought to I get the Capital One Enterprise X or the Chase Sapphire Reserve?
In case you worth broader incomes potential and a versatile journey credit score, the Chase Sapphire Reserve is an efficient selection. However for those who want paying a decrease annual charge and incessantly journey out of an airport with a Capital One Lounge, the Capital One Venture X is probably going the higher card for you.
Backside line
Each the Capital One Enterprise X Rewards Credit score Card and the Chase Sapphire Reserve have their very own strengths and weaknesses, and it actually comes right down to your choice on what advantages are helpful to you or not.
Nonetheless, for a way more manageable annual charge, nearly half of the Sapphire Reserve, the Enterprise X is a incredible providing — for those who do not thoughts utilizing the journey portal to unlock most of the advantages on the cardboard.
For individuals who want to e book immediately with journey suppliers and need extra assertion credit and advantages, the Chase Sapphire Reserve is probably going the higher choice for you, although it comes with a better $795 annual charge.
To be taught extra, try our full opinions of the Capital One Venture X and the Chase Sapphire Reserve.
Study extra: Capital One Venture X Rewards Credit Card
Apply right here: Chase Sapphire Reserve
For Capital One merchandise listed on this web page, a few of the advantages could also be offered by Visa® or Mastercard® and should range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.