Our take: The Capital One Enterprise X Rewards Credit score Card contains invaluable journey advantages, like complimentary lounge entry and journey protections, with an annual payment that’s as much as $300 lower than rivals. You’ll earn as much as 10x factors, which could be redeemed for journey, assertion credit or switch to fifteen+ airline and lodge companions.
Professionals
- Luxurious journey advantages at a decreased price
- Annual journey credit score and anniversary miles cowl the annual payment
- Complimentary airport lounge entry for cardholders and approved customers
Cons
- Annual credit score should be used by Capital One Journey
- Requires glorious credit score
- Lesser-known lodge and airline switch companions
Capital One Enterprise X Highlights
Card kind: Journey
- Welcome Bonus: 75,000 bonus miles after spending $4,000 on purchases inside the first 3 months from account opening
- Annual payment: $395
- Rewards: Limitless 2x miles on each buy, together with 10x miles on motels and rental vehicles and 5x on flights if you guide by Capital One Journey.
Capital One Enterprise X: Overview
The Capital One Enterprise X Rewards Credit score Card is probably the most reasonably priced luxurious journey card out there. It provides advantages on par (and even exceeding) with its rivals, but has the bottom annual payment. You’ll be able to even add approved customers free of charge when rivals cost as much as $195 per 12 months for each. The cardboard earns a limiteless 2x miles on each buy, and cardholders have quite a few redemption choices, together with transferring to fifteen+ airline and lodge companions.
Quite a few advantages await cardholders, together with complimentary airport lounge entry, an annual $300 journey credit score and 10,000 bonus miles every year you renew the cardboard. Utilizing your card for purchases additionally unlocks invaluable protections for journey, purchases and cell telephones.
Who’s Capital One Enterprise X good for?
The Capital One Enterprise X is finest for vacationers who need a luxurious journey card with out the premium annual payment. This card’s annual payment is as much as $300 lower than competing playing cards, even whereas providing comparable incomes energy, redemption choices and perks.
Additionally it is a superb selection for individuals who need to add approved customers. The Capital One Enterprise X Card doesn’t cost for approved customers. By comparability, the Chase Sapphire Reserve prices $75 per card and the American Specific Platinum Card prices $195 every. Enterprise X approved customers obtain many of the identical perks as the first cardholder, together with complimentary lounge entry.
Who shouldn’t get Capital One Enterprise X?
Whereas the Enterprise X provides many interesting advantages, it isn’t the correct card for everybody. The cardboard provides restricted bonus classes, which makes it tougher for cardholders to maximise rewards on these purchases. It provides 2x miles on on a regular basis purchases, however competing playing cards supply bonus rewards on journey, eating and different spending classes. To earn greater charges, cardholders should guide journey by Capital One Journey, which isn’t at all times the best choice. For instance, motels sometimes don’t award factors, keep credit or elite advantages on third-party bookings.
Moreover, the Enterprise Miles program could also be difficult for newbie vacationers. Whereas its journey companions supply extraordinary worth, lots of the names are unfamiliar to some folks. Capital One doesn’t associate with any of the most important home airways, like American, Delta, Southwest, Alaska, JetBlue or United. This could make it tougher to know the worth that’s obtainable and know tips on how to switch or redeem miles and factors as soon as transferred.
Capital One Enterprise X: The way to earn rewards
When you might have a Capital One Enterprise X Card, there are quite a few methods to earn rewards. You’ll earn Enterprise Miles on purchases, as a welcome bonus and for renewing your card, simply to call a couple of. Listed here are the most typical methods to earn rewards with this luxurious journey bank card.
Welcome bonus
Upon approval for the Enterprise X Card, you could qualify for a welcome bonus primarily based in your spending. To earn the welcome bonus of 75,000 bonus miles after spending $4,000 on purchases inside the first 3 months from account opening ensure you hit the spending threshold earlier than the deadline. This bonus is value $750 in the direction of journey booked straight or by the Capital One journey portal.
On a regular basis purchases
Use your Enterprise X Card to earn 2x miles per greenback spent wherever. You don’t want to fret about class bonuses or registering for limited-time promotions. Whereas the cardboard doesn’t supply bonus classes, some cardholders can earn extra rewards total since its base price is double that of different playing cards. For instance, the Chase Sapphire Reserve and American Specific Platinum earn simply 1x factors on non-bonus class purchases.
Capital One Journey purchases
Cardholders can earn as much as 10x miles when reserving journey by Capital One Journey. Via the financial institution’s portal, you’ll earn 10x miles on motels and rental vehicles and 5x on flights. These rewards are on high of any rewards or different advantages you’ll earn by these journey associate’s loyalty packages.
Renewing your card
Capital One rewards cardholders for his or her longevity with 10,000 anniversary bonus miles yearly they renew the cardboard. These factors are value $100 towards journey booked straight or by Capital One Journey. Mixed with the $300 annual journey credit score, these advantages offset the cardboard’s $395 annual payment.
Referring others to the cardboard
Cardholders can earn as much as 100,000 bonus miles every year by referring family and friends who get authorized for the Capital One Enterprise X Card. For every particular person that’s authorized, you’ll earn 25,000 bonus miles. Nevertheless, understand that you could obtain a Type 1099, and the bonus could also be taxable.
The way to redeem Capital One Enterprise X miles
Enterprise Miles is a versatile rewards program that provides quite a few redemption choices. Whereas Capital One provides completely different redemptions, typically, some choices supply greater worth than others.
Guide journey by Capital One
Cardholders can guide journey by the Capital One journey portal utilizing miles. When reserving flights, motels, rental vehicles, and extra, you’ll get 1 cent per mile in worth. In contrast to some airline and lodge loyalty packages, there are not any blackout dates or elevated costs if you redeem your Enterprise Miles.
Assertion credit for journey purchases
If you happen to don’t need to guide by the Capital One journey portal or your most popular vendor doesn’t take part, you need to use your rewards to cowl journey purchases at a price of 1 cent per mile. Merely use your Capital One Enterprise X Card to make your reservation with the airline, lodge, cruise, rental automobile or different journey vendor. You then have 90 days to redeem your miles to cowl all or among the transaction prices. This function permits cardholders to earn further miles in the event that they don’t have sufficient to cowl the price as of the transaction date.
Switch to airline and lodge companions
Capital One provides 15+ airline and lodge companions the place you possibly can switch your miles. Generally, your miles switch on a 1:1 foundation, with a minimal switch of 1,000 miles. These companions embody Air Canada, Cathay Pacific, Emirates and Wyndham Rewards. The worth of your miles varies relying on the way you redeem your rewards one they’ve transferred to your chosen airline or lodge loyalty program.
Money again, reward playing cards and extra
There are quite a few different choices obtainable to Enterprise X cardholders. Nevertheless, many of those choices present lower than 1 cent per mile in worth. Whereas they provide much less worth than different choices, they may nonetheless be an honest redemption primarily based in your monetary scenario.
Enterprise X charges and charges
- Buy APR: 19.99%–29.99% variable
- Annual payment: $395
- Overseas transaction payment: None
Extra advantages
The Capital One Enterprise X Card is overflowing with advantages that cardholders might take pleasure in. The extra you benefit from these advantages, the simpler it’s to justify paying the cardboard’s annual payment.
- Annual journey credit score. Annually, you’ll obtain a $300 journey credit score that you need to use when reserving reservations by Capital One Journey.
- Airport lounge entry. The Enterprise X supplies limitless entry to greater than 1,300 Capital One Lounges, Precedence Cross lounges and Plaza Premium lounges. Complimentary entry is on the market for the cardholder and as much as two friends.
- International Entry or TSA PreCheck reimbursement. You’ll obtain reimbursement as much as $100 as soon as each 4 years when paying software charges with our Enterprise X Card.
- Premier Assortment advantages. Reserving motels by the Premier Assortment contains unique advantages like each day breakfast for 2, a $100 expertise credit score and extra.
- Journey protections. Once you guide journey with the Capital One Enterprise X Card, you’re protected in case your journey is delayed, canceled or interrupted. Advantages additionally embody main rental automobile safety and misplaced baggage protection.
- Buy protections. Eligible purchases obtain an prolonged guarantee of as much as one 12 months at no further price. Moreover, cardholders are coated with buy safety in opposition to theft or injury and return safety in case the service provider received’t settle for an eligible return.
- Cellphone safety. Pay your cellphone invoice with the Enterprise X Card, and it is going to be coated in opposition to loss, theft or injury. This profit contains as much as two claims each 12 months as much as $800 every with a $50 deductible.
- Free approved customers. Cardholders can add approved customers with out paying a further payment. The approved customers can even use advantages like lounge entry and journey protections.
Bank cards much like Capital One Enterprise X
Whereas the Enterprise X is a standout card amongst journey rewards bank cards, there are a few playing cards from different issuers that provide comparable advantages.
Chase Sapphire Reserve vs. Capital One Enterprise X
The Chase Sapphire Reserve® is a premium journey bank card with one of the invaluable rewards packages. It earns 3x Final Rewards factors on journey and eating purchases and as much as 10x factors when reserving journey and eating by Chase Final Rewards. Factors could be redeemed for journey, money again and extra. Once you guide journey by Chase, your factors are value 50% extra, so its welcome bonus of 60,000 factors is value $900 in journey. Chase additionally companions with 14 airline and lodge the place you possibly can switch factors on a 1:1 foundation.
Advantages of the Sapphire Reserve embody complimentary airport lounge entry, premium journey protections and a $300 annual journey credit score. Of the playing cards on this listing, it’s the just one whose Precedence Cross membership additionally contains entry to taking part eating places. Its annual journey credit score can be probably the most versatile because it applies to any purchases that code as journey. The Reserve card has a $550 annual payment, and it prices $75 per approved person.
The Platinum Card from American Specific vs. Capital One Enterprise X
The The Platinum Card® from American Specific provides greater than $1,500 in worth in trade for its $695 annual payment. Cardholders have an array of credit that cowl airline charges, eating, procuring and extra. Nevertheless, many of those credit should be used month-to-month; in any other case, they’re misplaced. Advantages additionally embody entry to the International Lounge Assortment, advantages by Fantastic Accommodations & Resorts and journey protections. It’s the solely premium journey card that provides complimentary Hilton Honors and Marriott Bonvoy Gold standing.
The Amex Platinum card has restricted incomes energy since its solely bonus classes are 5x on flights booked straight or by Amex Journey and 5x pay as you go motels booked by Amex Journey. All different purchases earn simply 1x factors. Amex Membership Rewards have a number of redemption choices, together with the flexibility to guide journey, improve money flights and 21 lodge and airline switch companions.
To view charges and charges of The Platinum Card® from American Specific, see this web page.
Is Capital One Enterprise X best for you?
The Capital One Enterprise X Card provides large worth with its sturdy perks and low value. It contains complimentary lounge entry, premium journey protections, cellphone insurance coverage and extra. Whereas it has a $395 annual payment, the cardboard’s annual $300 journey credit score and 10,000 anniversary factors offset that price. Plus, you possibly can add approved customers for no further price, which is a profit that many luxurious journey playing cards don’t supply.
You’ll earn 2x miles on each buy, which is double what you’d earn on competing playing cards for non-bonus class spending, and as much as 10x miles when reserving journey by the financial institution’s portal. Miles could be redeemed for journey, assertion credit and extra, plus you possibly can switch them to fifteen+ airline and lodge companions to guide award journey.
The Enterprise X Card provides a ton of worth, but it surely isn’t your best option for some vacationers. Its annual journey credit score may also be used on Capital One Journey reservations. The Precedence Cross membership doesn’t embody restaurant advantages. Moreover, some vacationers is probably not educated about Capital One switch companions to know tips on how to guide journey or maximize rewards.
Often requested questions
Is Capital One Enterprise X laborious to get authorized?
For the very best odds of getting authorized, you need to have glorious credit score. This implies your credit score rating needs to be 740 or greater. Think about taking steps to spice up your credit score rating forward of making use of by paying down balances, ensuring all funds are made on time and avoiding pointless inquiries.
Is the Capital One Enterprise X Card value it?
Sure, this premium journey card is value it for individuals who journey continuously. It contains invaluable protections for journey, purchases and your cellphone, and perks like airport lounge entry make journey extra pleasurable. It’s simpler to justify this card’s annual payment because the $300 journey credit score and 10,000 anniversary factors offset its price.
How a lot is 75,000 Capital One miles value?
The worth of Enterprise Miles is dependent upon how they’re redeemed. It’s doable to get 1 cent per mile or greater worth on journey by reserving by Capital One Journey, getting assertion credit for journey purchases or transferring miles to airline and lodge companions.
Please observe that card particulars are correct as of the publish date, however are topic to alter at any time on the discretion of the issuer. Please contact the cardboard issuer to confirm charges, charges, and advantages earlier than making use of.