Key takeaways
- The Chase Sapphire Most popular® Card and Capital One Enterprise Rewards Credit score Card cost the identical cheap annual price, however their similarities finish there.
- These two widespread journey rewards bank cards have pretty totally different rewards constructions, which means that selecting between them will probably come all the way down to your spending habits and the methods you wish to journey.
- For many who like maximizing their rewards via class spending, the Sapphire Most popular will probably be a greater decide, whereas these in search of a journey card with a powerful flat-rate rewards price will probably choose the Enterprise.
The Chase Sapphire Most popular® Card and Capital One Enterprise Rewards Credit score Card are two of essentially the most versatile journey bank cards available on the market right now, however they range dramatically by way of how one can redeem your rewards. Each playing cards allow you to trade factors or miles for journey immediately or switch them to airline and resort companions, however they accomplish that at very totally different values and with a special set of companions.
The best way you earn factors or miles with every card additionally varies, with the Enterprise Rewards card, generally referred to as the Enterprise, providing a flat 2X miles on all purchases and the Sapphire Most popular giving cardholders a better price in choose classes.
With each of those journey bank cards providing beneficiant sign-up bonuses proper now, you might be questioning which one would go away you higher off. Bankrate’s professional evaluation beneath will make it easier to decide the worth of every provide and which card may work higher in your wants.
Major particulars
|  | Chase Sapphire Most popular® Card | Capital One Enterprise Rewards Credit score Card |
|---|---|---|
| Welcome bonus | 60,000 bonus factors after spending $5,000 within the first three months, value $750 when redeemed for journey via Chase JourneySM | 75,000 miles after spending $4,000 inside the first three months of account opening. |
| Rewards price |
|
|
| Annual price | $95 | $95 |
Chase Sapphire Most popular vs. Capital One Enterprise highlights
At first look, these playing cards appear considerably related by way of their rewards constructions and bonuses. Nevertheless, they earn several types of rewards, which aren’t valued the identical. We go over the preferred classes every card stands out in beneath.
Welcome bonus winner
Rewards price winner
Annual price winner
International transaction price winner
Which card earns essentially the most?
With the Capital One Enterprise letting cardholders earn 2X miles for each greenback they spend, this card can simply make it easier to rack up a better variety of miles over time. However with the worth of Chase Final Rewards factors being larger usually, the Chase Sapphire Most popular can nonetheless make it easier to earn an analogous quantity of worth in rewards.
Let’s do the mathematics.
Chase Sapphire Most popular vs. Capital One Enterprise spending instance
Think about you’re somebody who spends loads on journey and eating every month, however that you just additionally use your bank card to pay for normal spending and payments. In that case, your month-to-month spending may look one thing like this:
- $200 per thirty days spent on eating
- $100 per thirty days spent on normal journey
- $200 per thirty days spent on eligible journey via the journey portals
- $300 per thirty days spent on groceries
- $1,200 spent on different purchases
| Spending classes | Chase Sapphire Most popular Final Rewards factors earned | Capital One Enterprise miles earned |
|---|---|---|
| $200 on eating | 600 factors | 400 miles |
| $200 on eligible journey booked via journey portals | 1,000 factors | 1,000 miles |
| $100 on normal journey | 200 factors | 200 miles |
| $300 on groceries | 900 factors (when purchased on-line) | 600 miles |
| $1,200 on different purchases | 1,200 factors | 2,400 miles |
| Whole month-to-month class earnings | 3,900 factors | 4,600 miles |
With the Chase Sapphire Most popular, you’d earn 3,900 factors per thirty days, which might be 46,800 factors per yr. With the welcome bonus, that comes out to 106,800 factors for the primary yr.
With the Capital One Enterprise, you’d get 4,600 miles per thirty days, equating to 55,200 miles per yr. Add the welcome bonus you earned to that quantity, and your first yr’s whole could be 130,200 miles. That’s a distinction of 23,400 factors within the Enterprise’s favor for the primary yr.
Nevertheless, as a result of valuations of those rewards factors when redeemed for journey of their respective journey portals, 55,200 Capital One miles are value $552, however 46,800 Chase Final Rewards factors are value $585. So, whilst you might earn extra miles with the Capital One Enterprise, the Chase Sapphire Most popular’s Final Rewards factors may offer you extra bang in your buck.
That is all from one particular spending instance, nonetheless, and it comes with some caveats. For instance, whereas each playing cards earn 5X the factors or miles on journey booked via their respective journey portals, the Capital One Enterprise solely contains lodges, trip leases and rental vehicles in that class, so that you wouldn’t earn 5X the factors on flights the way in which you could possibly with the Chase Sapphire Most popular. However the Sapphire Most popular additionally requires cardholders to trace their spending extra intently to ensure they’re maxing out their rewards classes. In the event you don’t purchase your groceries on-line, for instance, you wouldn’t have the ability to reap the benefits of the Sapphire Most popular’s boosted rewards on grocery purchases.
Why must you get the Chase Sapphire Most popular?
With so many bonus classes, the Chase Sapphire Most popular is an effective rewards card whether or not you journey usually or not. Plus, relating to utilizing your rewards, you may money them in for lots greater than journey.
Listed here are some further causes to contemplate signing up:
Further advantages
Sapphire Most popular cardholders additionally get a ten p.c anniversary level bonus every account anniversary. Which means if you happen to spent $50,000 in a yr in your card, you’d obtain 5,000 further bonus factors.
The Chase Sapphire Most popular additionally offers cardholders perks like journey cancellation and interruption insurance coverage value as much as $10,000 per individual and $20,000 per journey. You additionally qualify for advantages resembling:
- Major auto rental protection
- Baggage delay insurance coverage
- Misplaced baggage reimbursement
- Journey delay reimbursement
- Journey and emergency help providers
- Journey accident insurance coverage
- Buy safety
- Prolonged warranties
Redemption choices
The Chase Sapphire Most popular actually stands out by way of its rewards program. Chase Final Rewards factors might be redeemed for choices like assertion credit, money again, reward playing cards and merchandise. Nevertheless, you can even redeem factors for journey via the Chase Journey portal and get 25 p.c extra worth whenever you do.
The Chase Final Rewards program additionally provides a strong switch program that allows you to transfer your factors to airline and resort companions like Marriott Bonvoy, Southwest Speedy Rewards, World of Hyatt and United MileagePlus. With high-value switch companions, every level might be value about 2.0 cents every, in accordance with Bankrate valuations.
Really useful credit score rating
To efficiently apply for a Chase Sapphire Most popular, you sometimes want at the very least a FICO credit score rating of 670 or higher.
Why must you get the Capital One Enterprise?
The Capital One Enterprise helps you to earn a flat 2X miles for every greenback you spend, which generally is a higher deal if you happen to don’t wish to maintain observe of bonus class spending. Listed here are some further causes you may choose the Enterprise over the Sapphire Most popular:
Further advantages
The Capital One Enterprise stands out because you rise up to a $120 credit score towards International Entry or TSA PreCheck membership as a cardholder perk. This credit score can be utilized for the first cardholder or another person. You additionally get free cardholder advantages resembling:
- An auto rental collision harm waiver
- Journey accident insurance coverage
- 24-hour journey help
- Prolonged warranties
Study extra: The Capital One Enterprise Rewards advantages information
Redemption choices
While you earn miles with this card, you may redeem them to cowl journey purchases at a price of 1 cent per level or money them in for purchases made on Amazon.com. It’s also possible to switch your miles to airline and resort companions like Aeromexico, Aeroplan, Flying Blue / Air France, Accor and extra.
Simply keep in mind that Capital One miles don’t garner fairly the identical worth as Final Rewards factors. In response to Bankrate valuations, Capital One miles are value about 1.7 cents every when transferred to a high-value associate. It’s not wildly totally different than the worth of Final Rewards factors, however nonetheless value noting.
Really useful credit score rating
To get authorised for the Capital One Enterprise, you sometimes want at the very least a FICO credit score rating of 670 or higher.
The underside line
Each of those rewards bank cards provide beneficiant welcome bonuses with the identical annual price, and so they each allow you to redeem your factors for journey or for added choices for extra flexibility.
Nevertheless, every card has a special kind of rewards construction and a special set of switch companions that will work higher for you relying in your spending and journey habits. In the event you choose to cost every part to at least one card and have a tendency to spend so much in miscellaneous classes, then the Capital One Enterprise is perhaps your finest guess. If you wish to maximize your rewards in sure classes, need extra journey protections and like the worth that comes with incomes Chase Final Rewards, then you definitely’d be higher off with the Chase Sapphire Most popular.
In the event you can’t resolve between these Chase and Capital One bank cards, think about trying out different journey rewards bank cards earlier than making use of. You need to use Bankrate’s card comparability instrument that will help you discover out which one is best for you.
