Why you must add licensed customers on the Capital One Enterprise X

The Capital One Enterprise X Rewards Credit score Card shook up the premium rewards bank card market when it launched in November 2021, giving legacy playing cards like The Platinum Card® from American Categorical and the Chase Sapphire Reserve® a run for his or her cash.

Whereas the Enterprise X’s $395 annual payment continues to be one thing to contemplate, it is a lot decrease than what Capital One’s rivals cost. Not solely are the cardboard’s perks aggressive, however many even prolong to licensed customers — and cardholders can add as much as 4 licensed customers at no further price.

Let’s overview the total suite of advantages that further customers of the Enterprise X card will get pleasure from. Particularly, we’ll spotlight the rising variety of lounges you and your touring companions can all go to collectively with none further out-of-pocket price.

Earlier than we dig in, let’s overview the main points of the Enterprise X card.

Enterprise X cardholders obtain:

• Signal-up bonus: Earn 75,000 bonus Capital One miles after spending $4,000 on purchases within the first three months from account opening.
• Incomes charges: Earn 10 miles per greenback spent on lodges and rental vehicles booked by means of Capital One Journey, 5 miles per greenback spent on flights and trip leases booked by means of Capital One Journey and a couple of miles per greenback spent on all different purchases.
• Annual credit score: Obtain a $300 credit score yearly whenever you ebook journey along with your Enterprise X by means of Capital One Journey.
• Anniversary bonus: Earn 10,000 bonus miles each account anniversary.
• Capital One Lounge entry: Get limitless entry to Capital One Lounges for you and two company (every visitor after that may price $45).
• Precedence Cross membership: Take pleasure in entry to greater than 1,300 Precedence Cross lounges worldwide for you and as much as two company touring with you.
• Plaza Premium lounge entry (ending March 1, 2025)
• International Entry or TSA PreCheck reimbursement: Obtain as much as a $120 assertion credit score each 4 years for both trusted traveler program.
• No overseas transaction charges
• $395 annual payment

Associated: 6 issues to do whenever you get the Capital One Enterprise X

Whereas the Enterprise X’s $395 annual payment could appear excessive on paper, one key profit is the flexibility so as to add as much as 4 licensed customers for no further cost. That is enormous, contemplating the Amex Platinum Card fees $195 per licensed consumer (see charges and costs), and the Chase Sapphire Reserve fees $75 per licensed consumer.

This makes the Enterprise X a way more reasonably priced choice for {couples} and households, plus many perks prolong to licensed customers as nicely.

Each day E-newsletter

Reward your inbox with the TPG Each day e-newsletter

Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists

Airport lounge entry

Capital One’s flagship lounge at Dallas Fort Value Worldwide Airport (DFW) opened in late 2021, and since then, they opened a second lounge at Dulles Worldwide Airport (IAD) and a 3rd lounge at Denver Worldwide Airport (DEN) in addition to a singular “touchdown” idea in Washington, D.C.’s Ronald Reagan Washington Nationwide Airport (DCA). The facilities — like Peloton bikes and premium, domestically sourced eats — are excellent.

Further lounges are within the works at Harry Reid Worldwide Airport (LAS) and New York’s John F. Kennedy Worldwide Airport (JFK), whereas an extra touchdown is deliberate to open in New York’s LaGuardia Airport (LGA). Nevertheless, there are not any set opening dates for these areas but.

Whereas there are solely three Capital One Lounges open for now, Enterprise X cardholders additionally get a complimentary Precedence Cross lounge membership (with the flexibility to usher in as much as two company touring with you) and entry to over 100 Plaza Premium lounges (with the flexibility to usher in as much as two company for no further cost).

Nevertheless, what makes the Enterprise X’s lounge privileges much more compelling is that licensed customers can get pleasure from the identical lounge entry privileges as the first cardholder. So, you possibly can add 4 free licensed customers to your card, and every can go to the entire lounges named above whereas additionally bringing in company.

When you have a big household, this profit could possibly be invaluable. Simply know that an grownup should accompany company underneath 18 years previous.

Associated: Large household? No drawback! Get limitless lounge company with this bank card

As an example you opened the Enterprise X after which added 4 further customers. You and every of your licensed customers would every have the ability to get into Capital One and collaborating Plaza Premium lounges together with two company every. Add all of it collectively — 5 cardholders plus two company apiece — and you might get 15 vacationers into the airport lounge altogether (a kind of individuals being you).

And the visitor coverage for Enterprise X cardholders is even higher at Precedence Cross lounges: limitless company — not unhealthy for a single bank card.

Simply word that the precise process for accessing these lounges varies:

• Capital One Lounges: Present your Enterprise X card and eligible, same-day boarding move for entry.
• Precedence Cross lounges: Register to your complimentary Precedence Cross membership at this hyperlink utilizing your Enterprise X particulars. Then, current your Precedence Cross card and eligible, same-day boarding move for entry.

This is applicable to each the first cardholder and licensed customers on the cardboard.

Complimentary Hertz President’s Circle elite standing

Hertz’s partnership with Capital One grants complimentary Hertz President’s Circle elite standing to Enterprise X main cardholders and licensed customers. This top-tier standing will get you a assured one-class automotive improve, 50% bonus factors on all leases, entry to a broader vary of vehicles and a devoted customer support line.

Eligible cardholders should enroll by means of the Capital One web site or cellular app. Cardholders can discover the hyperlink to register by visiting their eligible card’s “Rewards” tab or “Capital One Journey Advantages” tab and clicking on the Hertz profit tile. Main cardholders should enroll licensed customers by means of this similar course of.

It’s also possible to stack this profit with the flexibility to earn further miles on rental automotive bookings made with Capital One Journey. You may get your Hertz perks and earn 10 miles per greenback spent on leases booked with Capital One Journey, which is not a stacking mixture accessible with different playing cards, portals or rental companies. On this method, you are assured the very best of each worlds.

Buy and journey protections

The Capital One Enterprise X is a Visa Infinite card, so there are a number of essential journey and buy protections that each the first cardholder and licensed consumer(s) can rely on:

• Journey cancellation and interruption insurance coverage: As much as $2,000 per individual for pay as you go, nonrefundable tickets for you and speedy relations.
• Journey delay reimbursement: As much as $500 per individual for affordable bills like resort rooms, meals, toiletries or garments when your flight is delayed in a single day or by six hours or extra.
• Misplaced baggage reimbursement: As much as $3,000 per lined journey if the airline damages or loses your luggage.
• Cellphone safety: As much as $800 in protection per declare with a most of two claims and $1,600 per 12-month interval. A $50 deductible applies per prevalence.
• Main rental automotive insurance coverage: As much as $75,000 because of injury brought on by collision or theft to a rental automotive.
• Buy, prolonged guarantee and return protections: As much as $10,000 per declare and $50,000 per account on purchases; warranties prolonged by an extra yr; return as much as $300 per merchandise and $1,000 per account.

Find out how to add licensed customers to your Enterprise X

When you determine so as to add licensed customers to your Enterprise X, head over to your Capital One account and search for the “I Need To” button on the suitable facet of the display. Then, click on “Add Account Consumer.”

You may then need to determine the extent of entry you need to present to your licensed consumer. You’ve got two choices:

• Account supervisor
• Approved consumer

Here is a full chart of what main cardholders, account managers and licensed customers can entry.

When you overview the choices and make your choice, you will enter your licensed consumer’s first and final identify, telephone quantity, date of start and Social Safety quantity.

Learn extra: All the things it is advisable learn about licensed customers

There is no query about it: Capital One Enterprise X Rewards Credit score Card supplies beneficiant advantages to licensed customers. The most effective half is which you can add 4 further cardholders at no further price, making the Enterprise X reasonably priced for bigger households and teams. Subsequent time you go to a Capital One, Precedence Cross or Plaza Premium lounge, you can usher in the entire squad thanks to those licensed consumer advantages.

Study extra: Capital One Enterprise X Rewards Credit score Card

For Capital One merchandise listed on this web page, a number of the advantages could also be offered by Visa® or Mastercard® and should range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

Upon enrollment, accessible by means of the Capital One web site or cellular app, eligible cardholders will stay at that standing degree by means of the period of the provide. Please word, enrolling by means of the conventional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) is not going to routinely detect a cardholder as being eligible for this system and cardholders is not going to be routinely upgraded to the relevant standing tier. Further phrases apply

For charges and costs of The Platinum Card from American Categorical, click on right here.