The Chase Sapphire Most popular and Capital One Enterprise Rewards are two journey bank cards providing a great deal of worth in change for a small annual price. Each embrace a beneficiant welcome bonus and hefty incomes potential. Plus, the added perks are too good to miss. Nevertheless, card_name takes the highest spot, as its factors are price 25% extra when redeemed for journey by way of card_name.
How the playing cards stack up
Right here’s an summary of what to anticipate from every card:
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Earn 5x factors on:
Earn 3x factors on:
Earn 2x factors on all different travel-related purchases Earn 1x factors on all different purchases |
Earn 5 miles per greenback spent on leases and lodging reserved by way of Capital One Journey
Earn 2 miles per greenback spent on each buy |
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Different Advantages (or Extra Perks) |
$50 Annual Final Rewards Resort Credit score
Annual bonus factors 1:1 level switch Journey Safety Advantages Meals supply service incentives |
Journey miles transfers
TSA PreCheck® or International Entry credit score Hertz 5 Star standing Mileage switch capabilities Journey and buy protections Journey lounge entry Eating and leisure perks Flight value drop safety |
Welcome bonus
You’ll bonus_miles_full with the card_name. The welcome bonus with card_name is increased: you will bonus_miles_full.
Once you convert these factors to {dollars} by reserving by way of every card’s program, the benefit of the card_name is extra apparent: The welcome bonus is the equal of $1,000 at Chase however solely $750 for card_name.
Welcome bonus winner: card_name
Rewards
Frequent vacationers can rack up a hefty sum of rewards factors with both card. card_name gives 5 factors per greenback spent on journey booked by way of Chase Final Rewards (excluding lodging purchases that depend in direction of the annual $50 lodge assertion credit score). You’ll get 5 miles per greenback spent on inns and rental vehicles booked utilizing card_name.
Nonetheless, card_name comes out on high as you’ll earn:
- Three factors per greenback spent on eating, on-line grocery purchases, and qualifying streaming service funds
- Two factors per greenback spent on all different journey purchases booked exterior of Chase Final Rewards
- One level per greenback spent on all different purchases
Plus, factors are price 25% extra when redeemed for journey by way of Chase Final Rewards. So, 50,000 factors equals $625 in journey credit score.
With card_name, you’ll solely earn two miles per greenback spent exterior of lodging and rental booked by way of the Capital One journey platform. And each level is price 1 cent, making the 50,000 factors talked about above price $500 in journey credit score. Nevertheless, you possibly can switch your miles to over 15 journey loyalty packages to make them go additional, a characteristic not out there from card_name.
Rewards winner: card_name
Annual price
Each bank card issuers cost a $95 annual price.
Annual price winner: tie
APR
A slight edge right here for card_name. Whereas each playing cards supply the identical minimal APR, the utmost price of the card_name is decrease than that of the card_name.
APR winner: card_name
Overseas transaction price
Neither card imposes international transaction charges.
Overseas transaction price winner: tie
Extra perks
card_name gives the next added advantages:
- A $50 annual lodge assertion credit score
- As much as 2,500 annual bonus factors in the event you spend $25,000 on purchases
- 1:1 level transfers
- In depth journey and buy protections
- Ridesharing and meals supply service incentives
You’ll additionally take pleasure in a bunch of perks with card_name, together with:
- Journey miles transfers
- As much as a $100 credit score for International Entry or TSA PreCheck®
- Hertz 5 Star standing
- Journey lounge entry
- Eating and leisure perks
- Flight value drop safety
Extra perks winner: tie
Which card earns probably the most?
card_name’s bonus classes make it the highest decide for factors earned.
As an example, in the event you spent $500 in every class, right here’s how a lot you’d earn:
In case you booked a lodge and rental automotive by way of Chase Final Rewards or Capital One Journey, you’d earn 5 factors per greenback spent. However in the event you tacked airfare on to the acquisition, your incomes potential could be higher with card_name since card_name solely gives two miles per greenback spent on journey purchases exterior of leases and lodging.
Our suggestions
Why we advocate card_name
card_name is our high decide as a result of its factors maintain 25% extra worth when redeemed for journey by way of Chase Final Rewards. You additionally get extra factors up entrance in the event you spend sufficient to say the welcome bonus. Plus, you possibly can switch factors to different common frequent journey packages, like JetBlue True Blue, Southwest Airways Fast Rewards, United MileagePlus and Marriott Bonvoy.
The in depth journey and buy protections are additionally price noting. card_name does supply a few of these, however they don’t fairly stack as much as what you’ll get with card_name.
Why you’d nonetheless go for card_name
card_name makes it simple to earn factors with out conserving tabs on spending classes. You’ll earn two miles for each greenback you spend, interval.
Rewards factors are additionally transferable to pick out journey companions. Nevertheless, the checklist is principally of worldwide airline loyalty packages, which can solely be helpful in the event you journey overseas typically.
TIME Stamp: Most popular wins for journey
In case you’re a frequent traveler, card_name is the apparent alternative. Your factors will go additional if used for journey, and you may switch them to common lodging and airfare loyalty packages. However in the event you desire a extra easy rewards program, card_name may very well be a greater match.
Incessantly requested questions (FAQs)
Are card_name or card_name factors price extra?
card_name factors are price extra in the event you use them for journey. Nevertheless, journey should be booked by way of Chase Final Rewards to extend the purpose worth by 25%.
Is it price paying for card_name?
Sure, the annual price on card_name is properly price it, contemplating the beneficiant welcome bonus, rewards program, and added perks.
Who may profit extra from the card_name card?
Somebody who prefers the simplicity of two factors for all the pieces, appreciates the TSA PreCheck or International Entry credit score, and usually rents from Hertz.
The knowledge introduced right here is created independently from the TIME editorial employees. To be taught extra, see our About web page.