Whereas there is no scarcity of business cards in the marketplace, there are restricted choices for premium playing cards that present worth 12 months after 12 months. However now, Chase has lastly entered the premium enterprise card market with the introduction of the Chase Sapphire Reserve for Business℠ (see rates and fees).
The favored Capital One Venture X Business and The Business Platinum Card® from American Express 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 soar into which card is correct for your online business.
Comparability of the Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
| Venture X Business | Amex Business Platinum | Sapphire Reserve for Business | |
|---|---|---|---|
| Annual price | $395 | $695 (see rates and fees) | $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 throughout 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 price $45 per grownup visitor and $25 for kids 17 and below. It’s going to stay free for kids below 2. Nonetheless, you may unlock limitless visitor entry for Capital One lounges by spending $75,000 or extra in your card in a calendar 12 months. |
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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 car sorts 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 by means of American Categorical Journey Associated Providers Firm, Inc.
**Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If authorized and coordinated by Premium World Help Hotline, emergency medical transportation help could also be supplied without charge. In every other circumstance, cardmembers are accountable 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 fluctuate by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars.
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Associated: Your complete guide to travel protections on American Express cards
Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise welcome provide
All three playing cards have welcome gives value no less than triple their annual price prices.
New candidates for the Venture X Business can earn 150,000 bonus miles after spending $30,000 on purchases within the first three months from account opening. TPG’s July 2025 valuations peg Capital One miles at 1.85 cents apiece, making this welcome provide value $2,775. That is the standard welcome offer we usually see on the cardboard.
In the meantime, with the Amex Business Platinum, new cardmembers can earn 150,000 bonus factors after spending $20,000 on purchases throughout 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 Business 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 Ultimate 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 Business: Chase debuts new premium card
Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise Advantages
This is a take a look at the advantages of every card at first look:
| Capital One Venture X Business | Amex Business Platinum | Sapphire Reserve for Business | |
|---|---|---|---|
| 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 price $45 per grownup visitor and $25 for kids 17 and below. It’s going to stay free for kids below 2. Nonetheless, you may unlock limitless visitor entry for Capital One lounges by spending $75,000 or extra in your card in a calendar 12 months. |
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 car sorts 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 by means of American Categorical Journey Associated Providers Firm, Inc.
******Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If authorized and coordinated by Premium World Help Hotline, emergency medical transportation help could also be supplied without charge. In every other circumstance, cardmembers are accountable 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 fluctuate by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars.
^^^Upon enrollment, accessible by means of the Capital One web site or cell app, eligible cardholders will stay at that standing degree by means of the period of the provide. Please observe, enrolling by means of the conventional 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. Further phrases apply
Every card’s standout profit is lounge access. The Amex Business Platinum takes the cake, because it has unequalled lounge entry with the Global Lounge Collection. Nonetheless, the Venture X Business and the Sapphire Reserve for Business provide glorious 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 Priority Pass membership.
Moreover, the Sapphire Reserve for Enterprise gives the most effective guest lounge access, palms down. Cardholders can carry two complimentary company 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 12 months. Lastly, Enterprise X Enterprise cardholders can at the moment herald two complimentary company, however beginning Feb. 1, 2026, cardholders should spend $75,000 or extra per 12 months to unlock guest access, 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 company 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 you need to designate one airline to apply it to. It covers issues like checked luggage and seat assignments, nevertheless it usually 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 you need to ebook journey through the Capital One Journey portal. Lastly, the Chase Sapphire Reserve for Enterprise has the best credit score to make use of, as it’s going to 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 ebook by means of a journey portal.
All these playing cards even have quite a few resort perks, with two together with automated elite standing and all of them gaining access to luxurious resort reserving platforms like Capital One’s Premier Collection and Lifestyle Collection, Chase’s The Edit and American Express’ Fine Hotels + Resorts and The Hotel Collection. When reserving by means of these platforms, you will obtain elitelike advantages and on-property credit.
Lastly, all three playing cards have glorious 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. Nonetheless, the Sapphire Reserve for Enterprise takes the cake out of the three, because it gives essentially the most sturdy 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 Venture X Business earns:
- 10 miles per greenback spent on inns and rental automobiles booked by means of 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 by means of Capital One Journey (9.25% return)
- 2 miles per greenback spent on all different purchases (3.7% return)
The Amex Business Platinum earns:
- 5 factors per greenback spent on flights and pay as you go inns 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 delivery suppliers — on as much as $2 million of purchases in a calendar 12 months, then 1 level per greenback (3% return)
- 1 level per greenback spent on different purchases (1% return)
The Sapphire Reserve for Business 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 by means of Sept. 30, 2027 (10.25% return)
- 4 factors per greenback spent on flights and inns booked straight (8.2% return)
- 3 factors per greenback spent on promoting purchases made with social media websites and engines like google (6.15% return)
- 1 level per greenback spent on all different purchases (2.05% return)
The Enterprise X Enterprise gives the only earnings with miles, and you will earn no less than 2 miles on each buy. The Amex Enterprise Platinum incomes charges aren’t the strongest, as they solely provide bonus earnings of greater than 1 level per greenback spent on purchases over $5,000 and flights and inns booked by means of Amex Journey. These incomes charges could be limiting for companies if you happen to do not routinely have giant purchases or prefer to ebook journey by means of an online travel agency.
The Sapphire Reserve for Enterprise gives essentially the most bonus-earning classes and generally is 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 gives companies the pliability to ebook inns and flights straight and earn essentially the most bonus rewards out of the three playing cards.
Winner: Chase Sapphire Reserve for Enterprise. It gives essentially the most bonus classes and is the one card with elevated earnings on promoting and direct resort and flight purchases.
Associated: Best credit cards for advertising
Redeeming rewards on the Enterprise X Enterprise vs. Amex Enterprise Platinum vs. Sapphire Reserve for Enterprise
With all three playing cards, you may redeem your rewards earned for money again, Amazon purchases, reward playing cards and journey booked by means of every issuer’s respective journey portal. Nonetheless, with these choices, redemption charges aren’t favorable. They are much decrease than TPG’s July 2025 valuations and, in some instances, 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 no less than one home airline switch companion.
The Venture X Business lets you redeem miles at 1 cent per mile for journey booked through the Capital One Travel portal. You may also redeem miles to cowl latest journey purchases at 1 cent per mile.
With the Amex Business Platinum, you may redeem factors to cowl purchases at 0.60 cents per level, or you need to use them to ebook journey through Amex Travel at a charge of 0.70 cents per level for pay as you go inns and 1 cent per level for flights. You even have the Pay with Points perk that offers you 35% of your factors again (as much as 1 million per 12 months) once you ebook business- or first-class flights or economy-class flights in your designated airline through Amex Journey. Nonetheless, this perk has been devalued, and beginning Sept. 18, you will solely be capable of get factors again in your designated airline, no matter cabin class.
With the Sapphire Reserve for Business, factors can be utilized to ebook journey straight by means of Chase Travel℠ at a price of as much as 2 cents per level, relying on the particular redemption, with the brand new Points Boost redemption feature. Factors Increase gives elevated redemption charges of greater than 1 cent per level on choose Chase Journey redemptions. Choose flight and resort redemptions could be made at a charge between 1.5 to 2 cents per level.
Winner: Chase Sapphire Reserve for Enterprise. Your factors with Chase are probably value essentially the most when redeeming by means of a journey portal.
Associated: Cashing in Capital One miles? How to get the maximum value 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 greatest guess for the best redemption worth is to switch your rewards to companions.
Enterprise X Enterprise cardholders have entry to Capital One’s roster of 15-plus transfer partners. Common companions embrace Air Canada Aeroplan, Avianca LifeMiles and Singapore KrisFlyer.
Amex Business Platinum Card members have entry to Amex’s roster of 18 airlines and three hotel partners. Common companions embrace Air Canada Aeroplan, Delta SkyMiles and Virgin Atlantic Flying Club.
I are likely to switch factors earned with my Enterprise Platinum Card to Delta SkyMiles to benefit from that program’s frequent award flash gross sales.
With the Chase Sapphire Reserve for Business℠, you will have entry to Chase’s 14 transfer partners. Common companions embrace British Airways Club, Southwest Speedy Rewards and World of Hyatt.
Winner: Chase Sapphire Reserve for Enterprise. The Chase enterprise card takes the sting, because it gives excellent worth with resort companions and is the one card to have World of Hyatt as a companion.
Associated: Credit card transfer partners: Guide to transferring points and miles to airlines and hotels
Ought to I get the Enterprise X Enterprise, Amex Enterprise Platinum or Sapphire Reserve for Enterprise?
Simply because the Venture X Business has the bottom annual price does not imply it is the worst card out of the three. For enterprise house owners on the lookout for simplicity with earnings, lounge entry and an annual journey credit score, the Enterprise X Enterprise is a strong possibility.
Nonetheless, if you’d like extra perks like assertion credit, automated elite standing and the most effective lounge entry, the Amex Business Platinum is your choose.
If you would like lounge entry with the most effective visitor entry and essentially the most bonus earnings classes, it’s best to go for the Sapphire Reserve for Business.
Backside line
For those who’re on the lookout for a enterprise rewards card, these choices are all nice. Any of them could be a strong addition to your pockets. The Enterprise X Enterprise has a a lot decrease annual price and comes loaded with perks; nonetheless, the Amex Enterprise Platinum and the Chase Sapphire Reserve for Enterprise merely provide extra worth with extra assertion credit and elite standing. For those who’re actually seeking to maximize factors and miles incomes potential, you possibly can add two and even all three playing cards to your pockets.
Apply right here: The Business Platinum Card from American Express
Apply right here: Chase Sapphire Reserve for Business
Study extra: Capital One Venture X Business
For charges and charges of the Amex Enterprise Platinum, click on here.
For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
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