Shelling out lots of of {dollars} in annual charges for premium bank cards isn’t for everybody, particularly while you’re new to the factors and miles world. Luckily, loads of journey bank cards will set you again lower than $100 a 12 months and nonetheless earn profitable rewards that will help you e-book that epic journey of your goals.
Among the many prime playing cards on this class are the Chase Sapphire Most well-liked Card and the Capital One Enterprise Rewards Credit score Card. Each include manageable annual charges for novices and specialists, at $95 per 12 months.
Let us take a look at how these two playing cards stack up in a head-to-head comparability.
Capital One Enterprise vs. Chase Sapphire Most well-liked comparability
Listed here are the fundamentals of every of those two playing cards within the main classes:
| Card particulars | Chase Sapphire Most well-liked | Capital One Enterprise Rewards |
|---|---|---|
| Annual payment | $95 | $95 (see charges and costs) |
| Signal-up bonus | Earn 60,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening | Earn 75,000 bonus miles while you spend $4,000 on purchases within the first three months from account opening |
| On a regular basis spend incomes fee | 1 level per greenback | 2 miles per greenback |
| Bonus classes | 5 factors per greenback on all journey bought via Chase Final Rewards
5 factors per greenback on Lyft rides (via March 31, 2025) 3 factors per greenback on eating, choose streaming companies and on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment) 2 factors per greenback on all different journey 1 level per greenback on all different purchases |
5 miles per greenback on motels and rental vehicles booked via Capital One Journey
2 miles per greenback on all different purchases |
| Worth of factors/miles | 2.05 cents every | 1.85 cents every |
| Overseas transaction charges | None | None |
| Journey protections | Major auto rental protection, journey cancellation and interruption insurance coverage, baggage delay insurance coverage, journey delay reimbursement, journey and emergency help companies, misplaced baggage insurance coverage | Secondary auto rental protection, journey accident insurance coverage, roadside help (charges apply), 24-hour journey help companies* |
| Different advantages | $50 annual lodge credit score
10% annual factors bonus Prolonged guarantee safety and buy safety |
Two complimentary visits to Capital One or Plaza Premium lounges yearly
World Entry/TSA PreCheck utility payment credit score as much as $100 each 4 years Prolonged guarantee safety* |
* Advantages solely accessible to accounts accredited for the Visa Signature card. Phrases apply.
Capital One Enterprise vs. Chase Sapphire Most well-liked welcome provide
Each playing cards are at present providing stable sign-up bonuses that may present a ton of worth to new cardholders.
The Enterprise Rewards card gives 75,000 bonus miles after spending $4,000 on the cardboard inside the first three months of account opening. This bonus is price $750 in journey should you redeem at a hard and fast worth instantly via Capital One or as much as $1,388 should you switch your miles to Capital One’s airline or lodge switch companions since TPG values Capital One miles at 1.85 cents every.
The Sapphire Most well-liked is at present providing 60,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening. Since factors are price 1.25 cents apiece when redeemed via the Chase Final Rewards journey portal, the bonus is assured to be price not less than $750 in journey (earlier than factoring within the assertion credit). Nonetheless, TPG values Chase Final Rewards factors at 2.05 cents every, that means this welcome provide is price $1,230.
Winner: Enterprise Rewards
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Associated: How (and why) you must earn transferable factors
Capital One Enterprise vs. Chase Sapphire Most well-liked advantages
Understandably, you aren’t getting as many perks with a $95-a-year card as you’ll with a premium card that prices lots of of {dollars} every year. Nonetheless, each playing cards provide an array of advantages that add much more worth.
The Enterprise Rewards’ advantages embody no international transaction charges,(see charges and costs) prolonged guarantee safety for the unique producer’s guarantee on eligible purchases, buy safety for a lined loss that happens inside the first 90 days of buy, and Visa Signature journey advantages, corresponding to misplaced baggage reimbursement for frequent provider tickets and secondary auto rental protection.
You may additionally get two complimentary visits to Capital One or Plaza Premium lounges yearly and an as much as $100 World Entry/TSA PreCheck utility payment credit score. It is a perk usually seen on playing cards with increased annual charges, and it may possibly make an enormous distinction in rushing up your journey via the airport. (Advantages solely accessible to accounts accredited for the Visa Signature card. Phrases apply.)
For the reason that Sapphire Most well-liked can also be a Visa Signature card, it gives virtually the identical advantages however kicked up a notch. Most notably, it contains major rental automotive protection fairly than secondary, that means you may submit claims on to your card’s advantages supplier with out involving your private insurance coverage coverage.
Plus, the Sapphire Most well-liked’s journey advantages are additionally superior — as much as $500 in journey delay reimbursement should you’re delayed greater than 12 hours or in a single day, as much as $10,000 in journey cancellation and interruption insurance coverage per individual ($20,000 per journey) and as much as $100 per day for as much as 5 days in baggage delay reimbursement in case your bag is delayed greater than six hours.
On prime of that, the cardboard gives an annual $50 assertion credit score on lodge stays bought via the Chase Final Rewards journey portal and a ten% anniversary factors bonus.
Winner: Chase Sapphire Most well-liked
Incomes rewards on the Capital One Enterprise vs. Chase Sapphire Most well-liked
With the Capital One Enterprise, you may earn 5 miles per greenback on motels and rental vehicles booked via Capital One Journey and a pair of miles per greenback on all different purchases.
With the Sapphire Most well-liked, you may get 5 factors per greenback on all journey bought via Chase Final Rewards; 3 factors per greenback on eating, together with eligible supply companies, takeout and eating out; 3 factors per greenback on choose streaming companies; 3 factors per greenback on on-line grocery purchases (excluding Goal, Walmart and wholesale golf equipment); 2 factors per greenback on all different journey; and 1 level per greenback on all different purchases.
Journey is outlined fairly broadly with the Sapphire Most well-liked and contains some on a regular basis bills, corresponding to tolls, parking and subway tickets. Eating contains customary eating places, bars and low outlets, meals supply companies, and even most merchandising machines.
Winner: Tie. The Capital One Enterprise comes out forward on on a regular basis spending however falls behind in particular classes, the place the Sapphire Most well-liked shines, so it will depend on your spending patterns.
Associated: Chase Sapphire Most well-liked bank card assessment
Redeeming rewards on the Capital One Enterprise vs. Chase Sapphire Most well-liked
Each playing cards assist you to redeem rewards towards many purchases — however journey redemptions at all times present the perfect worth.
If you need a easy redemption possibility, you may redeem your Enterprise Miles at a hard and fast worth of 1 cent every towards journey bookings made via Capital One Journey or use them for assertion credit to offset any journey buy inside the final 90 days (once more, at a fee of 1 cent per mile).
As with the Enterprise card, Chase Final Rewards factors will be redeemed towards journey at a hard and fast worth or transferred. As talked about, should you e-book journey reservations via the Chase Final Rewards portal, factors have a hard and fast worth of 1.25 cents every.
Winner: Sapphire Most well-liked. You may get a extra favorable 1.25 cents per level when redeeming for journey at a hard and fast fee, whereas it’s also possible to get a fee of 1 cent per level when redeeming for money rewards or assertion credit.
Associated: The way to use your Capital One miles for optimum worth
Transferring rewards on the Capital One Enterprise vs. Chase Sapphire Most well-liked
You possibly can squeeze extra worth out of your Capital One miles by transferring them to Capital One’s 18 airline and lodge switch companions. Most transfers are at a 1:1 ratio. For the reason that card earns 2 Capital One miles per greenback on on a regular basis spending, you are incomes as much as 2 airline miles or lodge factors per greenback spent on each buy — relying on the particular program to which you switch your miles.
In the event you’re not searching for journey rewards, you may redeem your miles for reward playing cards, money again or on Amazon and PayPal purchases — however know it is going to be at subpar redemption charges.
Equally, the way in which to get prime worth out of your factors is by transferring them to one in every of Chase’s 14 airline and lodge companions, all at a 1:1 ratio.
You can too redeem factors for reward playing cards and money again, however you may solely get 1 cent per level in worth.
Associated: The most effective methods to make use of Chase Final Rewards factors
Winner: Chase Sapphire Most well-liked. Chase Final Rewards will get the sting for providing extra profitable switch choices (particularly United and Hyatt, which aren’t Capital One companions).
Associated: Overview of the Capital One Enterprise Rewards bank card
Ought to I get the Capital One Enterprise or Chase Sapphire Most well-liked?
Whereas the worth you may get from the playing cards relies upon closely in your spending habits, most cardholders might be higher off with the Sapphire Most well-liked. Chase factors are extra precious than Enterprise Miles. And the cardboard earns extra in bonus spending classes and gives higher journey protections.
Backside line
These two playing cards aren’t mutually unique. In any case, the Capital One Enterprise Card is without doubt one of the finest Capital One bank cards, and the Chase Sapphire Most well-liked is without doubt one of the finest Chase bank cards available on the market. They really complement one another when you’ve got each. You should use the Enterprise card for on a regular basis purchases and the Most well-liked for journey and eating spending. Between the 2 sign-up bonuses, you would get almost $3,000 price of journey within the first 12 months for lower than $200 in annual charges — a win-win should you join each playing cards.
Be taught Extra: Capital One Enterprise Rewards Credit score Card with 75,000 bonus miles after assembly minimal spending necessities
Apply right here: Chase Sapphire Most well-liked with 60,000 bonus factors after assembly minimal spending necessities
For Capital One merchandise listed on this web page, among the above advantages are offered by Visa® or Mastercard® and should range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply
