Venture X Business vs. Amex Business Platinum vs. the Sapphire Reserve for Business

While there is not any scarcity of enterprise playing cards on the market, there are restricted choices for premium playing cards that present worth yr after yr. But now, Chase has lastly entered the premium enterprise card market with the introduction of the Chase Sapphire Reserve for Business℠ (see charges and charges).

The in style Capital One Venture X Business and The Business Platinum Card® from American Express have been pillars of the premium enterprise card market for years now. But now that the Sapphire Reserve for Business has arrived, let’s check out how all three of those playing cards stack up in opposition to 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 bounce into which card is true for your online business.

Comparison of the Venture X Business vs. Amex Business Platinum vs. Sapphire Reserve for Business

	Venture X Business	Amex Business Platinum	Sapphire Reserve for Business
Annual payment	$395	$695 (see charges and charges)	$795
Welcome supply	Earn 150,000 bonus miles after spending $30,000 on purchases in the first three months from account opening.	Earn 150,000 bonus factors after spending $20,000 on purchases inside the first three months of card membership.	Earn 200,000 bonus factors after spending $30,000 on purchases in the first six months from account opening.
Earning charges	Earn 10 miles per greenback spent on resorts and rental vehicles booked by way of Capital One Travel Earn 5 miles per greenback spent on flights and trip leases booked by way of Capital One Travel Earn 2 miles per greenback spent on each different buy	Earn 5 factors per greenback spent on flights and pay as you go resorts booked with AmexTravel.com. Earn 1.5 factors per greenback spent on purchases of $5,000 or extra and in choose enterprise classes in 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 yr, then 1 level per greenback Earn 1 level per greenback spent on different purchases	Earn 8 factors per greenback spent on Chase Travel℠ purchases Earn 5 factors per greenback spent on eligible Lyft rides by way of Sept. 30, 2027 Earn 4 factors per greenback spent on flights and resorts booked straight Earn 3 factors per greenback spent on promoting purchases made with social media websites and engines like google Earn 1 level per greenback spent on all different purchases
Benefits	10,000 bonus miles on each account anniversary No overseas transaction charges Access to the Capital One Premier Collection and Lifestyle Collection for lodge bookings	Hotel elite standing (Gold Elite standing with Marriott Bonvoy and Gold standing with Hilton Honors) Rental automotive elite standing 35% airline bonus when redeeming with American Express Membership Rewards factors (as much as 1 million factors again per calendar yr) Access to American Express Fine Hotels + Resorts and The Hotel Collection (minimal two night time keep) No overseas transaction charges (see charges and charges) Enrollment is required for choose advantages, and phrases apply.	IHG One Rewards Platinum Elite standing (can unlock Diamond Elite standing after spending $120,000 or extra in a calendar yr)- out there to major cardholders by way of 12/31/27 Access to The Edit and a $100 property credit score when reserving stays
Lounge entry	Capital One lounges (complimentary for the major cardholder and two friends) Complimentary Priority Pass Select membership (entry for cardholder and two friends; doesn’t embody eating places) Note: Starting Feb. 1, 2026, visitor entry for Capital One lounges will price $45 per grownup visitor and $25 for kids 17 and below. It will stay free for kids below 2. However, you’ll be able to unlock limitless visitor entry for Capital One lounges by spending $75,000 or extra in your card in a calendar yr.	Access to the Global Lounge Collection	Access to Chase Sapphire lounges Priority Pass Select membership
Statement credit	$300 annual journey credit score for reserving by way of Capital One’s reserving web site. Up to $120 in assertion credit score for TSA PreCheck or Global Entry	Airline: Up to $200 assertion credit score for airline charges (together with incidental expenses) per calendar yr Expedited airport safety: Up to $209 assertion credit score every calendar yr for a Clear Plus membership (topic to auto-renewal); $120 payment credit score for Global Entry each 4 years or as much as $85 payment credit score for TSA PreCheck each 4 1/2 years Hotels: Up to $200 annual Hilton assertion credit score (as much as $50 per quarter) Business: Up to $150 in assertion credit on U.S. purchases made straight with Dell and a further as much as $1,000 assertion credit score after spending $5,000 or extra with Dell from July 1 by way of Dec. 31 (and for every calendar yr after); as much as $250 Adobe assertion credit score after spending $600 or extra on U.S. purchases made straight with Adobe from July 1 by way of Dec. 31 (and for every calendar yr after); as much as $360 per calendar yr in Indeed assertion credit (as much as $90 per quarter) Cellphone: Up to $120 per calendar yr (as much as $10 month-to-month) in assertion credit for spending on wi-fi plans with U.S. suppliers Enrollment is required for choose advantages, and phrases apply.	Travel: $300 annual journey assertion credit score and a Global Entry/TSA PreCheck/Nexus software payment credit score (as much as $120 each 4 years) DoorDash: Complimentary DoorDash SprintPass subscription and as much as $300 yearly in month-to-month DoorDash promos (activate by Dec. 31, 2027) Lyft: Up to $10 month-to-month credit score in-app(as much as 120 yearly) (by way of Sept. 30, 2027) Hotels: Up to $500 credit score for stays with The Edit. (allotted as much as $250 in assertion credit biannually) Business: Up to $400 annual ZipRecruiter credit score by way of 12/31/27 (allotted as much as $200 in assertion credit biannually); as much as $200 Google Workspace credit score by way of 12/31/27 (allotted as much as $100 in assertion credit biannually); as much as $100 Giftcards.com credit score by way of 10/31/28 (allotted as much as $50 in assertion credit biannually)
Travel and buy protections	Auto rental collision injury waiver Lost baggage reimbursement Trip delay reimbursement Trip cancellation and interruption Ride-hailing safety Extended guarantee Return safety Cellphone safety	Car rental protection* Premium Global Assist Hotline Baggage insurance coverage* Trip delay protection** Trip cancellation and interruption Purchase safety* Extended guarantee* Return safety^ Cellphone safety**	Primary automotive rental insurance coverage (when renting for enterprise functions) Baggage delay insurance coverage Trip delay insurance coverage Trip cancellation/interruption insurance coverage Emergency medical and dental advantages

*Eligibility and profit degree varies by card. Not all automobile varieties or leases are lined, and geographic restrictions apply. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Policies are underwritten by AMEX Assurance Company. Coverage is obtainable by way of American Express Travel Related Services Company, Inc.

**Eligibility and profit degree varies by card. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. If accredited and coordinated by Premium Global Assist 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. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Policies are underwritten by AMEX Assurance Company.

****Eligibility and profit degree varies by card. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

^Eligibility and profit ranges range by card. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars.

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Related: Your full information to journey protections on American Express playing cards

Venture X Business vs. Amex Business Platinum vs. Sapphire Reserve for Business welcome supply

All three playing cards have welcome gives price not less than triple their annual payment prices.

New candidates for the Venture X Business can earn 150,000 bonus miles after spending $30,000 on purchases in the first three months from account opening. TPG’s July 2025 valuations peg Capital One miles at 1.85 cents apiece, making this welcome supply price $2,775. This is the customary welcome supply we sometimes see on the card.

Meanwhile, with the Amex Business Platinum, new cardmembers can earn 150,000 bonus factors after spending $20,000 on purchases inside the first three months of card membership. TPG’s July 2025 valuations peg Amex Membership Rewards factors at 2 cents apiece, making this welcome supply price $3,000.

Lastly, new candidates for the Sapphire Reserve for Business can earn 200,000 bonus factors after spending $30,000 on purchases in 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 supply price $4,100.

Winner: Sapphire Reserve for Business. Its welcome supply is price the most.

Related: Chase Sapphire Reserve for Business: Chase debuts new premium card

Venture X Business vs. Amex Business Platinum vs. Sapphire Reserve for Business Benefits

Here’s a have a look at the advantages of every card at first look:

	Capital One Venture X Business	Amex Business Platinum	Sapphire Reserve for Business
Statement credit	$300 annual journey credit score for reserving by way of Capital One’s reserving web site. Up to $120 in assertion credit score for TSA PreCheck or Global Entry	Airline: Up to $200 assertion credit score for airline charges (together with incidental expenses) per calendar yr Expedited airport safety: Up to $209 assertion credit score every calendar yr for a Clear Plus membership (topic to auto-renewal); $120 payment credit score for Global Entry each 4 years or as much as $85 payment credit score for TSA PreCheck each 4 1/2 years Hotels: Up to $200 annual Hilton assertion credit score (as much as $50 per quarter) Business: Up to $150 in assertion credit on U.S. purchases made straight with Dell and a further as much as $1,000 assertion credit score after spending $5,000 or extra with Dell from July 1 by way of Dec. 31 (and for every calendar yr after); as much as $250 Adobe assertion credit score after spending $600 or extra on U.S. purchases made straight with Adobe from July 1 by way of Dec. 31 (and for every calendar yr after); as much as $360 per calendar yr in Indeed assertion credit (as much as $90 per quarter) Cellphone: Up to $120 per calendar yr (as much as $10 month-to-month) in assertion credit for spending on wi-fi plans with U.S. suppliers Enrollment is required for choose advantages, and phrases apply.	Travel: $300 annual journey credit score and a Global Entry/TSA PreCheck/Nexus software payment credit score (as much as $120) DoorDash: Complimentary DoorDash SprintPass subscription and as much as $300 yearly in month-to-month DoorDash promos (activate by Dec. 31, 2027) Lyft: Up to $10 month-to-month credit score in-app (by way of Sept. 30, 2027) Hotels: Up to $500 credit score for stays with The Edit. (allotted as much as $250 biannually) Business: Up to $400 annual ZipRecruiter credit score (allotted as much as $200 biannually); as much as $200 Google Workspace credit score (allotted as much as $100 biannually); as much as $100 Giftcards.com credit score (allotted as much as $50 biannually) Up to $500 Southwest Airlines credit score (requires spending $120,000 or extra in a calendar yr) Up to $500 Shops at Chase credit score (requires spending $120,000 or extra in a calendar yr)
Benefits	10,000 bonus miles on each account anniversary No overseas transaction charges Access to the Capital One Premier Collection and Lifestyle Collection for lodge bookings Hertz President’s Circle standing ^^^	Hotel elite standing (Gold Elite standing with Marriott Bonvoy and Gold standing with Hilton Honors) Rental automotive elite standing with Avis, Hertz and National 35% airline bonus when redeeming with Membership Rewards factors (as much as 1 million factors again per calendar yr) Access to American Express Fine Hotels + Resorts and The Hotel Collection No overseas transaction charges Enrollment is required for choose advantages, and phrases apply.	IHG One Rewards Platinum Elite standing (can unlock Diamond Elite standing after spending $120,000 or extra in a calendar yr) Southwest Rapid Rewards A-List standing after spending $120,000 or extra in a calendar yr Access to The Edit and a $100 property credit score when reserving stays
Lounge entry	Capital One lounges (complimentary for the major cardholder and two friends) Complimentary Priority Pass Select membership (entry for cardholder and two friends; doesn’t embody eating places) Note: Starting Feb. 1, 2026, visitor entry for Capital One lounges will price $45 per grownup visitor and $25 for kids 17 and below. It will stay free for kids below 2. However, you’ll be able to unlock limitless visitor entry for Capital One lounges by spending $75,000 or extra in your card in a calendar yr.	Access to Centurion Lounges (complimentary for the cardmember, $30 per visitor age 2 to 17 with proof of age and $50 per visitor age 18 and up except the cardmember spends $75,000 or extra on the card in a calendar yr to unlock visitor privileges) Complimentary Priority Pass Select membership (entry for cardmember and two friends; doesn’t embody eating places) Access to Delta Sky Clubs when flying Delta Air Lines (complimentary for the cardmember, with friends costing $50 every; eligible Platinum Card members will obtain 10 visits per eligible Platinum Card, per yr to the Delta Sky Club or to Grab and Go when touring on a same-day Delta-operated flight) Access to Escape lounges (complimentary for the cardmember and two friends or fast household) Access to Plaza Premium lounges (complimentary for the cardmember and two friends) Access to pick out Lufthansa lounges Access to different Global Lounge Collection associate lounges (complimentary for the cardmember; visitor insurance policies range) Enrollment is required for choose advantages, and phrases apply.	Access to Chase Sapphire lounges Priority Pass choose membership Authorized customers are additionally allowed two friends at no further cost into Priority Pass lounges
Travel and buy protections		Car rental protection*** Premium Global Assist Hotline** Baggage insurance coverage*** Trip delay protection**** Trip cancellation and interruption**** Purchase safety*** Extended guarantee** Return safety^^ Cellphone safety******

*****Eligibility and profit degree varies by card. Not all automobile varieties or leases are lined, and geographic restrictions apply. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Policies are underwritten by AMEX Assurance Company. Coverage is obtainable by way of American Express Travel Related Services Company, Inc.

******Eligibility and profit degree varies by card. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. If accredited and coordinated by Premium Global Assist 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. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Policies are underwritten by AMEX Assurance Company.

********Eligibility and profit degree varies by card. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

^^Eligibility and profit ranges range by card. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars.

^^^Upon enrollment, accessible by way of the Capital One web site or cell app, eligible cardholders will stay at that standing degree by way of the period of the supply. Please observe, enrolling by way of the regular Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) won’t mechanically detect a cardholder as being eligible for the program and cardholders won’t be mechanically upgraded to the relevant standing tier. Additional phrases apply

Each card’s standout profit is lounge entry. The Amex Business Platinum takes the cake, because it has unmatched lounge entry with the Global Lounge Collection. However, the Venture X Business and the Sapphire Reserve for Business supply glorious lounge entry with their very own ever-expanding lounge networks of Capital One lounges and Sapphire Lounges. And all the playing cards embody a Priority Pass membership.

Additionally, the Sapphire Reserve for Business gives the greatest visitor lounge entry, arms down. Cardholders can convey two complimentary friends with them into Sapphire lounges. Amex Business Platinum Card members can unlock Centurion Lounge visitor entry by spending $75,000 or extra on their card in a calendar yr. Lastly, Venture X Business cardholders can presently usher in two complimentary friends, however beginning Feb. 1, 2026, cardholders should spend $75,000 or extra per yr to unlock visitor entry, which mirrors the Amex Business Platinum’s lounge visitor entry coverage. Regardless of spending, with both of the playing cards, you will obtain two complimentary friends when visiting Priority Pass lounges.

Additionally, every card has some variation of an annual journey credit score. The Amex Business Platinum is 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 baggage and seat assignments, but it surely usually will not cowl ticket purchases. The Venture X Business annual journey credit score may be very easy to make use of, with the solely caveat being that you need to e book journey by way of the Capital One Travel portal. Lastly, the Chase Sapphire Reserve for Business has the best credit score to make use of, as it would cowl something that Chase broadly defines as journey, together with parking, tolls and ferries. This credit score is computerized, and you do not have to e book by way of a journey portal.

All these playing cards even have quite a few lodge perks, with two together with computerized elite standing and all of them accessing luxurious lodge 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 way 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 Business Platinum and the Sapphire Reserve for Business supply barely extra protections than the Venture X Business in case your journey plans go awry. However, the Sapphire Reserve for Business takes the cake out of the three, because it gives the most strong protections.

Winner: Chase Sapphire Reserve for Business. It barely beats the Amex Business Platinum in the complete worth of its assertion credit. It additionally has barely higher journey protections.

Earning on the Venture X Business vs. Amex Business Platinum vs. Sapphire Reserve for Business

All these enterprise playing cards are nice for incomes versatile currencies. The Venture X Business earns:

10 miles per greenback spent on resorts and rental vehicles booked by way of Capital One Travel (18.5% return based mostly on TPG’s July 2025 valuations)
5 miles per greenback spent on flights and trip leases booked by way of Capital One Travel (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 resorts booked with amextravel.com (10% return based mostly on TPG’s July 2025 valuations)
1.5 factors per greenback spent on purchases of $5,000 or extra and in choose enterprise classes in 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 yr, then 1 level per greenback (3% return)
1 level per greenback spent on different purchases (1% return)

The Sapphire Reserve for Business has the most bonus classes incomes:

8 factors per greenback spent on Chase Travel purchases (16.4% return based mostly on TPG’s July 2025 valuations)
5 factors per greenback spent on eligible Lyft rides by way of Sept. 30, 2027 (10.25% return)
4 factors per greenback spent on flights and resorts 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 Venture X Business gives the easiest earnings with miles, and you may earn not less than 2 miles on each buy. The Amex Business Platinum incomes charges should not the strongest, as they solely supply bonus earnings of greater than 1 level per greenback spent on purchases over $5,000 and flights and resorts booked by way of Amex Travel. These incomes charges could be limiting for companies in the event you do not routinely have giant purchases or prefer to e book journey by way of a web-based journey company.

The Sapphire Reserve for Business gives 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. Additionally, the Reserve for Business gives companies the flexibility to e book resorts and flights straight and earn the most bonus rewards out of the three playing cards.

Winner: Chase Sapphire Reserve for Business. It gives the most bonus classes and is the solely card with elevated earnings on promoting and direct lodge and flight purchases.

Related: Best bank cards for promoting

Redeeming rewards on the Venture X Business vs. Amex Business Platinum vs. Sapphire Reserve for Business

With all three playing cards, you’ll be able to redeem your rewards earned for money again, Amazon purchases, present playing cards and journey booked by way of every issuer’s respective journey portal. However, with these choices, redemption charges aren’t favorable. They’re a lot decrease than TPG’s July 2025 valuations and, in some circumstances, 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, SkyWorkforce and Star Alliance. Additionally, each card has not less than one home airline switch associate.

The Venture X Business lets you redeem miles at 1 cent per mile for journey booked by way of 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’ll be able to redeem factors to cowl purchases at 0.60 cents per level, or you should use them to e book journey by way of Amex Travel at a price of 0.70 cents per level for pay as you go resorts and 1 cent per level for flights. You even have the Pay with Points perk that provides you 35% of your factors again (as much as 1 million per yr) while you e book business- or first-class flights or economy-class flights in your designated airline by way of Amex Travel. However, this perk has been devalued, and beginning Sept. 18, you will solely be capable to get factors again in your designated airline, no matter cabin class.

With the Sapphire Reserve for Business, factors can be utilized to e book journey straight by way of Chase Travel℠ at a worth of as much as 2 cents per level, relying on the particular redemption, with the new Points Boost redemption characteristic. Points Boost gives elevated redemption charges of greater than 1 cent per level on choose Chase Travel redemptions. Select flight and lodge redemptions could be made at a price between 1.5 to 2 cents per level.

Winner: Chase Sapphire Reserve for Business. Your factors with Chase are probably price the most when redeeming by way of a journey portal.

Related: Cashing in Capital One miles? How to get the most worth when redeeming miles

Transferring rewards on the Venture X Business vs. Amex Business Platinum vs. Sapphire Reserve for Business

With any of those playing cards, your greatest guess for the highest redemption worth is to switch your rewards to companions.

Venture X Business cardholders have entry to Capital One’s roster of 15-plus switch companions. Popular companions embody Air Canada Aeroplan, Avianca LifeMiles and Singapore KrisFlyer.

Amex Business Platinum Card members have entry to Amex’s roster of 18 airways and three lodge companions. Popular companions embody Air Canada Aeroplan, Delta SkyMiles and Virgin Atlantic Flying Club.

I are inclined to switch factors earned with my Business Platinum Card to Delta SkyMiles to reap the benefits of that program’s frequent award flash gross sales.

With the Chase Sapphire Reserve for Business℠, you will have entry to Chase’s 14 switch companions. Popular companions embody British Airways Club, Southwest Rapid Rewards and World of Hyatt.

Winner: Chase Sapphire Reserve for Business. The Chase enterprise card takes the edge, because it gives excellent worth with lodge companions and is the solely card to have World of Hyatt as a associate.

Related: Credit card switch companions: Guide to transferring factors and miles to airways and resorts

Should I get the Venture X Business, Amex Business Platinum or Sapphire Reserve for Business?

Just as a result of the Venture X Business has the lowest annual payment doesn’t suggest it is the worst card out of the three. For enterprise house owners trying for simplicity with earnings, lounge entry and an annual journey credit score, the Venture X Business is a stable possibility.

However, if you’d like extra perks like assertion credit, computerized elite standing and the greatest lounge entry, the Amex Business Platinum is your choose.

If you need lounge entry with the greatest visitor entry and the most bonus earnings classes, it is best to choose for the Sapphire Reserve for Business.

Bottom line

If you are trying for a enterprise rewards card, these choices are all nice. Any of them can be a stable addition to your pockets. The Venture X Business has a a lot decrease annual payment and comes loaded with perks; nevertheless, the Amex Business Platinum and the Chase Sapphire Reserve for Business merely supply extra worth with extra assertion credit and elite standing. If you are 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

Learn extra: Capital One Venture X Business

For charges and charges of the Amex Business Platinum, click on right 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 range by product. See the respective Guide to Benefits for particulars, as phrases and exclusions apply.