One of the in style premium journey rewards bank cards in the marketplace is the Capital One Enterprise X Rewards Credit score Card.
Whereas its $395 annual payment (see charges and charges) is important, the cardboard presents a bunch of journey perks — from a $300 annual credit score for purchases made via Capital One Journey to lounge entry to as much as 4 free approved customers — that may simply offset the total yearly value of the cardboard (see charges and charges).
The cardboard is a step up from the Capital One Enterprise Rewards Credit score Card, the tried-and-true Capital One product that costs an annual payment of $95 (see charges and charges) however nonetheless presents a style of what its dearer sibling gives.
In fact, the Enterprise X is not for everybody. Let’s dig deeper to see who ought to — and should not — apply for this card.
Study extra: Capital One Enterprise X
Key Capital One Enterprise X advantages
The Capital One Enterprise X is presently providing a sign-up bonus of 75,000 bonus miles whenever you spend $4,000 on purchases within the first three months from account opening.
These 75,000 miles are value a minimum of $750 when redeemed for journey straight via Capital One Journey or as assertion credit towards different journey purchases. However their worth is boosted to $1,388, in accordance with TPG’s January 2025 valuations, because of a sturdy set of airline and resort switch companions.
Whereas that is likely to be alluring sufficient by itself, the cardboard extends loads of different worthwhile, on a regular basis advantages:
- Incomes: The Enterprise X earns 10 miles per greenback on accommodations and automobile leases booked by way of Capital One Journey, 5 miles per greenback on flights booked by way of Capital One Journey and a vast 2 miles per greenback on the whole lot else
- Credit score: A $300 credit score yearly for bookings made via Capital One Journey
- Anniversary bonus: 10,000 bonus miles each account anniversary, beginning in your first anniversary (value a minimum of $100 towards journey)
- Lounge entry: Complimentary entry for cardholders, approved customers and as much as two friends per go to to Capital One Lounges and as much as two friends touring with the cardholder or approved consumer to greater than 1,300 Precedence Go lounges worldwide
- Approved customers: As much as 4 approved customers (see charges and charges) may be added at no cost, they usually additionally get the identical visitor entry because the cardholder for the Capital One Lounge and Precedence Go
- International Entry or TSA PreCheck: As much as $120 in assertion credit for both TSA PreCheck or International Entry
- Annual payment: $395 (see charges and charges)
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Who ought to get the Enterprise X?
When you’re contemplating the Enterprise X, let’s slim down why the cardboard may finest fit your needs.
You need simplicity in a premium card
The Enterprise X bank card is a premium card that’s easy to grasp. In contrast to another merchandise with a dizzying array of assertion credit and third-party companions, the Enterprise X retains its perks comparatively simple.
The truth is, the Enterprise X presents advantages that even newbie vacationers can maximize, together with a $300 annual credit score via the journey portal (accommodations, airfare and rental automobiles qualify). The Enterprise X additionally adopts a easy incomes construction, accruing 2 miles per greenback on most costs, complemented by elevated incomes charges for bookings made by way of Capital One Journey.
As well as, Enterprise X cardholders obtain 10,000 bonus miles each account anniversary. These miles are value $100 when redeemed by way of the journey portal or probably much more if you happen to switch miles to an airline or resort companion.
Basic math will present that between the annual journey credit score and bonus miles on every account anniversary, you are already breaking even on the $395 annual payment (see charges and charges). And that does not embody quite a lot of different perks.
Associated: Capital One Enterprise X bank card evaluation: Luxurious perks for an affordable annual payment
You need entry to airport lounges
Whereas increasingly more journey bank cards appear to supply airport lounge entry nowadays, the Enterprise X nonetheless has just a few options that set it aside on this respect.
Enterprise X cardholders have entry to a rising community of Capital One Lounges, together with at Dallas Fort Price Worldwide Airport (DFW), Dulles Worldwide Airport (IAD), Denver Worldwide Airport (DEN), and a Capital One Touchdown at Reagan Worldwide Airport (DCA). The lounges have a contemporary design, premium eating experiences and a sturdy grab-and-go choice.
As well as, Enterprise X cardholders get entry to over 1,300 Precedence Go lounges worldwide.
You need free approved customers
Enterprise X cardholders can add as much as 4 approved customers without charge.
That is a wonderful worth proposition, contemplating approved customers get limitless entry to Capital One Lounges with the identical visitor insurance policies because the cardholder.
As well as, approved customers get Hertz President’s Circle elite standing. By registering via your Capital One account, your approved consumer can get pleasure from top-tier standing with Hertz automobile leases.
Upon enrollment, accessible via the Capital One web site or cell app, eligible cardholders will stay at that standing degree via the length of the provide. Please word, enrolling via 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. Extra phrases apply
You need among the finest journey safety advantages
This Visa Infinite card presents among the trade’s most complete journey and journey safety advantages.
That features journey cancellation and interruption insurance coverage, journey delay reimbursement, misplaced baggage reimbursement, cellphone safety, rental automobile safety, buy safety, prolonged guarantee safety and return safety.
Who should not get the Enterprise X?
Whereas the Enterprise X is a powerful, high-end card, it is not for everybody. Let’s take a more in-depth look.
You need a sturdy community of premium lounges proper now
The Enterprise X presents intensive journey perks, however up to now, it has simply three proprietary airport lounges open and one eating idea.
Certainly, whereas Capital One has grand ambitions with its personal lounge community, Amex has a big head begin with Centurion Lounges at greater than 20 airports, in addition to the International Lounge Assortment, which incorporates Precedence Go and Delta Sky Golf equipment (when flying on the identical day with Delta).
Subsequently, sure flyers who usually use the lounge may favor a card like American Categorical’s Platinum Card®.
You do not journey a lot or plan to leverage switch companions
To actually maximize the Enterprise X card, it’s best to take into account leveraging Capital One’s switch program.
Capital One has made a number of vital developments to its mileage program over the previous few years, together with shifting from simply fixed-rate redemptions to including airline and resort switch companions and bettering mileage switch charges. When you do not use switch companions, one of the best you are able to do is a redemption price of 1 cent per mile.
Nonetheless, by using switch companions, there are a number of candy spot redemption alternatives, permitting you to additional maximize worth along with your Enterprise X.
Backside line
The Capital One Enterprise X Rewards Credit score Card is a wonderful choice for these available in the market for a premium bank card with easy-to-digest advantages. Nonetheless, for these on the lookout for a card with higher lounge entry or who do not want the flexibleness of airline and resort switch companions, there could also be higher choices on the market.
That stated, we expect the cardboard is almost a no brainer for vacationers starting from luxurious seekers to the extra budget-minded.
Study extra in our full evaluation of the Enterprise X.
Study extra: Capital One Enterprise X
For Capital One merchandise listed on this web page, among the above advantages are offered by Visa® or Mastercard® and should range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
