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Hotel & Resorts

Which Card Is Finest for You?


Insider’s consultants select the perfect services and products to assist make sensible selections together with your cash (right here’s how). In some instances, we obtain a fee from our our companions, nevertheless, 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 common mid-tier journey bank cards that provide versatile rewards and beneficiant incomes alternatives. For those who’re seeking to maximize factors on each greenback you spend, these two playing cards will serve you nicely. Not solely do they carry the identical affordable $95 annual charge, however each playing cards have large welcome bonuses that may make it easier to meet your journey objectives.

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

Examine the Citi Premier and Capital One Enterprise

  • Citi Premier® Card

  • Capital One Enterprise Rewards Credit score Card

Chevron icon It signifies an expandable part or menu, or typically earlier / subsequent navigation choices.

Chevron icon It signifies an expandable part or menu, or typically earlier / subsequent navigation choices.

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 fuel stations, air journey, and resorts. 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 resorts and rental vehicles booked by means of Capital One Journey. Earn limitless 2X miles on each buy.

We’re centered right here on the rewards and perks that include every card. These playing cards will not be price it when 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’ll be able to 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 similar, 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 packages have lots 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 (price round $1,280 in journey, primarily based 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 (price round $1,275 in journey, primarily based on Insider’s valuations)

Winner: Citi Premier®

Rewards on on a regular basis spending


Common APR


18.24% – 26.24% Variable


Really useful Credit score Rating


Good to Glorious


Common APR


18.24% – 26.24% Variable


Really useful Credit score Rating


Good to Glorious

Extra Info

  • For a restricted time, earn 80,000 bonus ThankYou® Factors after you spend $4,000 in purchases inside the first 3 months of account opening
  • Earn 3 Factors per $1 spent at Eating places and Supermarkets
  • Earn 3 Factors per $1 spent at Fuel Stations, Air Journey and Lodges
  • Earn 1 Level per $1 spent on all different purchases
  • Annual Resort Financial savings Profit
  • 80,000 Factors are redeemable for $800 in reward playing cards when redeemed at thankyou.com
  • No expiration and no restrict to the quantity of factors you’ll be able to earn with this card
  • No International Transaction Charges on purchases


Common APR


17.49% – 25.49% (Variable)


Really useful Credit score Rating


Good to Glorious


Common APR


17.49% – 25.49% (Variable)


Really useful Credit score Rating


Good to Glorious

Extra Info

  • Get pleasure from a one-time bonus of 75,000 miles when you spend $4,000 on purchases inside 3 months from account opening, equal to $750 in journey
  • Earn limitless 2X miles on each buy, day-after-day
  • Miles will not expire for the lifetime of the account and there is no restrict to what number of you’ll be able to earn
  • Obtain as much as a $100 credit score for World Entry or TSA PreCheck®
  • Get pleasure from two complimentary visits per yr to Capital One Lounges or to 100+ Plaza Premium Lounges by means of our Accomplice Lounge Community
  • Earn 5X miles on resorts and rental vehicles booked by means of Capital One Journey, the place you may get Capital One’s finest costs on hundreds of journey choices
  • Use your miles to get reimbursed for any journey purchase-or redeem by reserving a visit by means of Capital One Journey
  • Switch your miles to your selection of 15+ journey loyalty packages

Judging the 2 playing cards on reward potential is a tricky one as a result of their incomes charges are so totally different. The Capital One Enterprise Rewards Credit score Card earns a flat 2x miles on all spending, plus 5x miles on Capital One Journey lodge and rental automobile bookings. By means of 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 fuel stations (excluding fuel purchases at warehouse golf equipment, low cost shops, department shops, and comfort shops)
  • 3x factors on air journey and resorts (together with journey businesses)
  • 1 level per greenback on all different purchases

So which card affords the perfect rewards for on a regular basis spending? That finally comes right down to your spending habits. For those who think about eating, fuel, and groceries large spending classes, then the Citi Premier® is the higher choice. However loads of of us would like the flat 2x rewards from the Capital One Enterprise Rewards Credit score Card. Not desirous about maximizing class bonuses is actually 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 lodge reserving of $500 or extra yearly. It’s essential to guide the lodge by means of the Citi ThankYou journey website, excluding taxes and charges. This profit successfully quantities to a 20% low cost when you guide a $500 keep, which is fairly substantial. 

It is price noting that many lodge loyalty packages will not prolong elite advantages or subject factors once you guide by means of a third-party website like Citi ThankYou. So you may wish 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 lodge credit score, giving the Citi Premier® a bonus.

Winner: Citi Premier®

Journey and buying advantages

Journey and buying 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 World 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 may 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 lodge advantages and reductions by means of Mastercard Luxurious Lodges and Resorts. You may additionally save on Lyft rides with a $5 credit score for each three rides booked. The cardboard additionally comes with perks which can be 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 common retailers. 

The Citi Premier®’s advantages are buying centered and the Mastercard Luxurious Resort program may not ship the financial savings you need. To not point out bookings would possibly preclude you from incomes factors and elite evening credit with loyalty packages. The Capital One Enterprise Rewards Credit score Card has fewer advantages however they’re extra priceless. Getting the World Entry Charge credit score reimbursed each 4 years, together with two annual lounge visits, is considerably extra helpful than the Citi Premier®’s buying 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. This may come in useful when buying costly gadgets you wish to defend in opposition to loss or theft. Sadly, the Citi Premier® does not supply any journey safety, which makes it lower than ultimate on 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 occurring on the earth, the very last thing you need is to journey with out insurance coverage. You should buy 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 lodge switch companions, whereas Capital One has 18. In whole, they’ve 13 companions in frequent, so you may 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 packages have a number of candy spots that may make it easier to journey for much less. 

For instance, you’ll be able to 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 manner 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 companion 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 manner.

No matter which program you select, each companion with Turkish Airways Miles&Smiles. This program means that you can guide one-way enterprise class tickets to Turkey for as little as 45,000 miles and financial 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 Dwell 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 Crimson 
  • 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 fee shall be a big think about figuring out which card is finest for you. That being mentioned, it is necessary to take Capital One’s journey and buy protections into consideration. Having your journey, rental automobile, and baggage insured might be massively priceless. The Capital One Enterprise Rewards Credit score Card affords this protection whereas Citi Premier® doesn’t. 

For those who’re even an occasional traveler and do not wish to pay for these protections, the Capital One Enterprise Rewards Credit score Card is the higher card. Nonetheless, if you’d like a bank card that provides beneficiant class bonuses on on a regular basis spending and do not thoughts the dearth of protections, the Citi Premier® is perhaps a greater match.



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