Who ought to (and shouldn’t) get the Capital One Enterprise X card?

Probably the most fashionable 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 gives a number of journey perks — from a $300 annual credit score for purchases made by Capital One Journey to lounge entry to as much as 4 free approved customers — that may simply offset the total yearly price 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 gives a style of what its dearer sibling offers.

After all, 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

These 75,000 miles are price no less than $750 when redeemed for journey straight by Capital One Journey or as assertion credit towards different journey purchases. However their worth is boosted to $1,388, in line with TPG’s January 2025 valuations, due to 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 inns and automobile leases booked through Capital One Journey, 5 miles per greenback on flights booked through Capital One Journey and a limiteless 2 miles per greenback on every part else
• Credit score: A $300 credit score yearly for bookings made by Capital One Journey
• Anniversary bonus: 10,000 bonus miles each account anniversary, beginning in your first anniversary (price no less than $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 person to greater than 1,300 Precedence Move lounges worldwide
• Licensed customers: As much as 4 approved customers (see charges and charges) might be added at no cost, they usually additionally get the identical visitor entry because the cardholder for the Capital One Lounge and Precedence Move
• World Entry or TSA PreCheck: As much as $120 in assertion credit for both TSA PreCheck or World Entry
• Annual payment: $395 (see charges and charges)

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Who ought to get the Enterprise X?

For those who’re contemplating the Enterprise X, let’s slender down why the cardboard would possibly finest suit you.

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 easy.

In truth, the Enterprise X gives advantages that even newbie vacationers can maximize, together with a $300 annual credit score by the journey portal (inns, 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 through Capital One Journey.

As well as, Enterprise X cardholders obtain 10,000 bonus miles each account anniversary. These miles are price $100 when redeemed through the journey portal or probably much more when you switch miles to an airline or resort accomplice.

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 embrace a wide range of different perks.

Associated: Capital One Enterprise X bank card overview: Luxurious perks for an inexpensive annual payment

You need entry to airport lounges

Whereas increasingly more journey bank cards appear to supply airport lounge entry today, 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 Move lounges worldwide.

You need free approved customers

Enterprise X cardholders can add as much as 4 approved customers for gratis.

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 by your Capital One account, your approved person can take pleasure in top-tier standing with Hertz automobile leases.

Upon enrollment, accessible by the Capital One web site or cell app, eligible cardholders will stay at that standing degree by the period of the supply. Please observe, enrolling by the conventional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) won’t robotically detect a cardholder as being eligible for this system and cardholders won’t be robotically upgraded to the relevant standing tier. Further phrases apply

You need a number of the finest journey safety advantages

This Visa Infinite card gives a number of 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.

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 World Lounge Assortment, which incorporates Precedence Move and Delta Sky Golf equipment (when flying on the identical day with Delta).

Due to this fact, sure flyers who typically use the lounge would possibly want a card like American Categorical’s Platinum Card®.

You do not journey a lot or plan to leverage switch companions

To really maximize the Enterprise X card, you must contemplate leveraging Capital One’s switch program.

Capital One has made a number of important 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. For those who do not use switch companions, one of the best you are able to do is a redemption charge 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 together with your Enterprise X.

The Capital One Enterprise X Rewards Credit score Card is a superb choice for these available in the market for a premium bank card with easy-to-digest advantages. Nonetheless, for these searching for a card with higher lounge entry or who do not want the pliability of airline and resort switch companions, there could also be higher choices on the market.

That stated, we predict the cardboard is sort of a no brainer for vacationers starting from luxurious seekers to the extra budget-minded.

Study extra in our full overview of the Enterprise X.

Study extra: Capital One Enterprise X

For Capital One merchandise listed on this web page, a number of the above advantages are supplied by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.