Which Card Is Finest for You?


Insider’s specialists select the very best services to assist make good choices together with your cash (right here’s how). In some instances, we obtain a fee from our our companions, nonetheless, our opinions are our personal. Phrases apply to affords listed on this web page.

The Citi Premier® Card and Capital One Enterprise Rewards Credit score Card are well-liked mid-tier journey bank cards that provide versatile rewards and beneficiant incomes alternatives. In the event you’re trying to maximize factors on each greenback you spend, these two playing cards will serve you nicely. Not solely do they carry the identical cheap $95 annual price, however each playing cards have huge welcome bonuses that may show you how to meet your journey objectives.

Examine the Citi Premier and Capital One Enterprise

  • Citi Premier® Card

  • Capital One Enterprise Rewards Credit score Card

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Finest welcome bonus and classes

80,000 bonus ThankYou® Factors after you spend $4,000 in purchases inside the first 3 months of account opening

Earn 3x ThankYou® factors at eating places and supermarkets. Earn 3x ThankYou® factors at gasoline stations, air journey, and motels. Earn 1x ThankYou® factors on all different purchases

Finest journey advantages and protections

75,000 miles after spending $4,000 on purchases inside 3 months from account opening

Earn 5X miles on motels and rental automobiles booked by means of Capital One Journey. Earn limitless 2X miles on each buy.

So which card must you get? The reply comes right down to how the 2 examine of their welcome bonus, incomes price, advantages, and redemption choices. This is how the Citi Premier® stacks up in opposition to the Capital One Enterprise Rewards Credit score Card that will help you make the selection.

We’re centered right here on the rewards and perks that include every card. These playing cards will not be value it should you’re paying curiosity or late charges. When utilizing a bank card, it is necessary to pay your stability in full every month, make funds on time, and solely spend what you may afford to pay.

Welcome bonus affords

The Citi Premier® and Capital One Enterprise Rewards Credit score Card each have beneficiant welcome bonuses that can go a good distance towards journey. Their spending necessities are equivalent, however the Citi Premier® affords extra factors than the Capital One Enterprise Rewards Credit score Card.

We’ll transcend the numbers and consider how far these factors will truly take you. However contemplating the 2 applications have most of the similar switch companions, the Citi Premier® wins out for providing a barely higher welcome bonus.

  • The Citi Premier® affords 80,000 bonus ThankYou® Factors after you spend $4,000 in purchases inside the first 3 months of account opening (value round $1,280 in journey, based mostly on Insider’s valuations)
  • The Capital One Enterprise Rewards Credit score Card affords 75,000 miles after spending $4,000 on purchases inside 3 months from account opening (value round $1,275 in journey, based mostly on Insider’s valuations)

Winner: Citi Premier®

Rewards on on a regular basis spending


Intro supply

80,000 bonus ThankYou® Factors after you spend $4,000 in purchases inside the first 3 months of account opening


Rewards

Earn 3x ThankYou® factors at eating places and supermarkets. Earn 3x ThankYou® factors at gasoline stations, air journey, and motels. Earn 1x ThankYou® factors on all different purchases


Intro supply

80,000 bonus ThankYou® Factors after you spend $4,000 in purchases inside the first 3 months of account opening


Rewards

Earn 3x ThankYou® factors at eating places and supermarkets. Earn 3x ThankYou® factors at gasoline stations, air journey, and motels. Earn 1x ThankYou® factors on all different purchases


Rewards

Earn 3x ThankYou® factors at eating places and supermarkets. Earn 3x ThankYou® factors at gasoline stations, air journey, and motels. Earn 1x ThankYou® factors on all different purchases


Intro supply

80,000 bonus ThankYou® Factors after you spend $4,000 in purchases inside the first 3 months of account opening


Really useful Credit score

Good to Wonderful


Common APR

18.24% – 26.24% Variable

Editor’s Ranking

4.3/5

Our editor’s rankings analyze charges, bonuses, rewards, and advantages to spotlight the only and Most worthy bank cards accessible.

Present extra

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Capital One Capital One Venture Rewards Credit Card

Capital One Enterprise Rewards Credit score Card


Intro supply

75,000 miles after spending $4,000 on purchases inside 3 months from account opening


Rewards

Earn 5X miles on motels and rental automobiles booked by means of Capital One Journey. Earn limitless 2X miles on each buy.

Capital One Capital One Venture Rewards Credit Card

Capital One Enterprise Rewards Credit score Card


Intro supply

75,000 miles after spending $4,000 on purchases inside 3 months from account opening


Rewards

Earn 5X miles on motels and rental automobiles booked by means of Capital One Journey. Earn limitless 2X miles on each buy.


Rewards

Earn 5X miles on motels and rental automobiles booked by means of Capital One Journey. Earn limitless 2X miles on each buy.


Intro supply

75,000 miles after spending $4,000 on purchases inside 3 months from account opening


Really useful Credit score

Good to Wonderful


Common APR

17.49% – 25.49% (Variable)

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Judging the 2 playing cards on reward potential is a troublesome one as a result of their incomes charges are so completely different. The Capital One Enterprise Rewards Credit score Card earns a flat 2x miles on all spending, plus 5x miles on Capital One Journey resort and rental automotive bookings. By Might 16, 2023, cardholders additionally earn 5x miles on Turo bookings. 

In the meantime, the Citi Premier® earns bonus factors on a number of frequent spending classes: 

  • 3x factors at eating places (together with cafes, bars, lounges, and fast-food eating places)
  • 3x factors at supermarkets (excluding low cost superstores and warehouse golf equipment)
  • 3x factors at gasoline stations (excluding gasoline purchases at warehouse golf equipment, low cost shops, malls, and comfort shops)
  • 3x factors on air journey and motels (together with journey businesses)
  • 1 level per greenback on all different purchases

So which card affords the very best rewards for on a regular basis spending? That in the end comes right down to your spending habits. In the event you take into account eating, gasoline, and groceries large spending classes, then the Citi Premier® is the higher choice. However loads of people would like the flat 2x rewards from the Capital One Enterprise Rewards Credit score Card. Not serious about maximizing class bonuses is definitely an enormous plus for the Capital One Enterprise Rewards Credit score Card. That is why we’ll name it a tie.

Winner: Tie

Journey credit

The Citi Premier® affords $100 off a resort reserving of $500 or extra yearly. You need to ebook the resort by means of the Citi ThankYou journey website, excluding taxes and costs. This profit successfully quantities to a 20% low cost should you ebook a $500 keep, which is fairly substantial. 

It is value noting that many resort loyalty applications will not lengthen elite advantages or concern factors whenever you ebook by means of a third-party website like Citi ThankYou. So you will need to examine the financial savings in opposition to any loss in factors or elite advantages earlier than reserving. 

Capital One does not supply any journey or resort credit score, giving the Citi Premier® a bonus.

Winner: Citi Premier®

Journey and procuring perks can put more cash in your pocket, whether or not on trip or going about your each day life. Some perks may even enhance your journey expertise, just like the as much as $100 International Entry/TSA PreCheck credit score from the Capital One Enterprise Rewards Credit score Card. Whereas this perk is fairly frequent on premium bank cards with annual charges over $400, you will not often see it on a mid-tier card like this one. 

Capital One Enterprise Rewards Credit score Card cardmembers additionally get Hertz 5 Star standing and two free visits to Capital One or Plaza Premium lounges per yr. All of those are substantial advantages that may improve your journey expertise.

The Citi Premier® does not supply lounge perks, however cardmembers can entry resort advantages and reductions by means of Mastercard Luxurious Resorts and Resorts. You will additionally save on Lyft rides with a $5 credit score for each three rides booked. The cardboard additionally comes with perks which are helpful in on a regular basis life. Cardholders new to DoorDash get three months of free DashPass membership and $5 off the primary order each month. The complimentary ShopRunner membership is valued at $79 and will get you free two-day delivery at over 100 well-liked retailers. 

The Citi Premier®’s advantages are procuring centered and the Mastercard Luxurious Lodge program won’t ship the financial savings you need. To not point out bookings may preclude you from incomes factors and elite night time credit with loyalty applications. The Capital One Enterprise Rewards Credit score Card has fewer advantages however they’re extra helpful. Getting the International Entry Payment credit score reimbursed each 4 years, together with two annual lounge visits, is considerably extra useful than the Citi Premier®’s procuring perks.

Winner: Capital One Enterprise Rewards Credit score Card

Journey and buy protections

The Citi Premier® affords as much as $10,000 in buy safety and 24 months of prolonged guarantee. It will turn out to be useful when buying costly objects you need to defend in opposition to loss or theft. Sadly, the Citi Premier® does not supply any journey safety, which makes it lower than very best in your journey bookings.

The Citi Premier® consists of:

  • Buy safety: $10,000 per incident (as much as $50,000 per yr)
  • Prolonged guarantee: An additional 24 months past the producer’s guarantee

The Capital One Enterprise Rewards Credit score Card consists of:

  • Journey accident insurance coverage: As much as $250,000 per lined loss***
  • Misplaced baggage reimbursement: As much as $3,000 for misplaced or stolen baggage
  • Secondary auto rental collision protection
  • 24-hour journey help companies
  • Buy safety: As much as $500 per declare and $50,000 per cardholder
  • Prolonged guarantee: As much as one further yr on eligible warranties of three years or much less

With all of the journey interruptions taking place on the earth, the very last thing you need is to journey with out insurance coverage. You should purchase journey insurance coverage, however why try this when playing cards just like the Capital One Enterprise Rewards Credit score Card supply it freed from cost? Whereas there are limitations, it is nonetheless higher than nothing. Which, sadly, is what the Citi Premier® will get you. 

Winner: Capital One Enterprise Rewards Credit score Card

Redeeming rewards

Citi has 16 airline and resort switch companions, whereas Capital One has 18. In whole, they’ve 13 companions in frequent, so you might do nicely selecting both card. Nonetheless, Capital One affords higher switch ratios to Alternative Privileges and has British Airways Government Membership and Air Canada Aeroplan in its lineup. Each applications have a number of candy spots that may show you how to journey for much less. 

For instance, you may fly United enterprise class to Hawaii for simply 25,000 Aeroplan factors round-trip. Worldwide flights are additionally reasonably priced, with Aeroplan charging simply 55,000 miles every method for ANA’s acclaimed enterprise class seat to Tokyo.

In the meantime, British Airways has one-way flights between the East Coast and Dublin from simply 13,000 miles on associate Aer Lingus. That is lower than what some airways cost for a one-way home award. British Airways Avios factors are additionally nice for short-haul flights beginning at simply 4,000 miles every method.

No matter which program you select, each associate with Turkish Airways Miles&Smiles. This program permits you to ebook one-way enterprise class tickets to Turkey for as little as 45,000 miles and economic system tickets to Hawaii for 7,500 miles. Nonetheless, Capital One affords a clearly superior program to Citi, with extra switch companions and higher switch ratios.

Citi ThankYou switch companions

  • Aeromexico Membership Premier
  • Air France-KLM Flying Blue
  • Avianca LifeMiles
  • Cathay Pacific Asia Miles
  • Alternative Privileges 
  • Emirates Skywards
  • Etihad Visitor
  • Eva Air Infinity MileageLands
  • JetBlue TrueBlue
  • Qantas Frequent Flyer
  • Qatar Airways Privilege Membership
  • Singapore Airways KrisFlyer
  • Thai Airways Royal Orchid Plus
  • Turkish Airways Miles & Smiles
  • Virgin Atlantic Flying Membership
  • Wyndham Rewards

Capital One switch companions

  • Aeromexico Membership Premier 
  • Air Canada Aeroplan 
  • Air France-KLM Flying Blue 
  • ALL – Accor Reside Limitless 
  • Avianca LifeMiles 
  • British Airways Government Membership 
  • Cathay Pacific Asia Miles 
  • Alternative Privileges 
  • Emirates Skywards
  • Etihad Visitor 
  • EVA Infinity MileageLands 
  • Finnair Plus 
  • Qantas Frequent Flyer 
  • Singapore KrisFlyer 
  • TAP Air Portugal Miles&Go 
  • Turkish Airways Miles&Smiles 
  • Virgin Purple 
  • Wyndham Rewards 

Winner: Capital One Enterprise Rewards Credit score Card

Comparability of the Citi Premier and Capital One Enterprise

Backside line

The Capital One Enterprise Rewards Credit score Card beats out the Citi Premier® on three out of six standards, whereas Citi wins out in simply two. Relying in your spending patterns, every card’s incomes price can be a big think about figuring out which card is greatest for you. That being stated, it is necessary to take Capital One’s journey and buy protections into consideration. Having your journey, rental automotive, and baggage insured could be massively helpful. The Capital One Enterprise Rewards Credit score Card affords this protection whereas Citi Premier® doesn’t. 

In the event you’re even an occasional traveler and do not need to pay for these protections, the Capital One Enterprise Rewards Credit score Card is the higher card. Nonetheless, in order for you a bank card that gives beneficiant class bonuses on on a regular basis spending and do not thoughts the dearth of protections, the Citi Premier® is likely to be a greater match.



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