Most flyers dabbling in journey bank cards wind up going through a selection: Spring for a premium journey card to unlock advantages like airport lounge entry and money-saving journey credit that value a small fortune in annual charges? Or persist with one thing cheaper with out the additional perks?
The *capital one enterprise x* splits the distinction. Virtually two years after launching to nice fanfare, Capital One’s premium journey card stays one in every of our favourite journey playing cards available on the market for frequent flyers – if not the highest choice, interval.
It begins with a stable and easy-to-earn welcome provide bonus of 75,000 Enterprise miles after spending $4,000 within the first three months – miles you may simply use to cowl the price of low-cost flights or ship on to a wonderful array of Capital One switch companions.
However then Capital One ups the ante with top-notch journey perks like lounge entry, a $300 annual journey credit score obtainable by the Capital One journey portal, annual bonus miles, unbeatable journey insurance coverage protection, and extra.
Different premier journey playing cards have annual charges that clock in at $550 to $695 or extra. However the Capital One Enterprise X bank card prices vacationers simply $395 a yr, with a better path to recoup that value (after which some) than you will discover on every other top-dollar bank card. Together with all the opposite premium advantages, we predict that makes the Enterprise X a robust contender for a lot of flyers who wish to stage up their travels in 2022 and past.
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Learn on for our evaluate of the Capital One Enterprise X Rewards Credit score Card and a full breakdown of the cardboard and its advantages.
Capital One Enterprise X: Advantages Overview
The Enterprise X is Capital One’s first foray into premium journey playing cards with heavy journey advantages like lounge entry, annual journey credit, and extra, competing in opposition to the likes of the *csr* and *amex platinum card*.
However in comparison with these opponents which have annual charges as excessive as $695 a yr (see charges & charges), the Enterprise X annual payment is extremely affordable: Simply $395 per yr. And contemplating you get $300 in journey credit every year amongst different perks, the precise value of holding this card is way decrease.
Learn our breakdown of the Capital One Enterprise X annual payment – and why you should not be scared off by it.
This is a full have a look at the Enterprise X Card Advantages
- Welcome Supply Bonus: bonus_miles_full
- Journey Assertion Credit: Yearly, you get a $300 annual journey credit score to make use of on any flights, motels, or rental vehicles booked by the Capital One journey portal.
- Lounge Entry: Free entry to 1,300-plus lounges within the Precedence Go community and Capital One’s model new lounge in Dallas-Fort Price (DFW), plus upcoming areas in Denver (DEN) and Washington, D.C.-Dulles (IAD), and Las Vegas (LAS). Cardholders get two free friends, too.
- International Entry or TSA PreCheck: As much as $100 in assertion credit to enroll in both TSA PreCheck or International Entry. This credit score is sweet as soon as each 4 years, and membership in each packages lasts 5 years.
- Incomes Extra Factors: Capital One Enterprise X cardholders will earn 10x miles on motels and rental vehicles and 5x miles on flights booked by way of the Capital One Journey portal, and a vast 2x miles on each greenback spent on all different purchases with the cardboard.
- 10,000 bonus miles: Yearly beginning in yr two, you will get 10,000 bonus miles after renewing your Enterprise X Card.
- Nice Journey & Rental Automotive Insurance coverage: By paying in your travels with a Enterprise X, you will get unbeatable major rental automobile protection, journey cancellation insurance coverage, journey delay protection, and reimbursement in case your baggage will get misplaced or stolen.
Full Enterprise X Card Advantages Overview
Enterprise X Card Welcome Supply Bonus
Capital One Enterprise Miles are among the many Most worthy factors and miles packages on the market. No different bank card factors offer you extra flexibility and flexibility to redeem miles towards journey.
Whereas it is not the 100,000-mile bonus Capital One had after they first launched the *capital one enterprise x*, the present welcome provide bonus on the Enterprise X continues to be a hefty chunk of miles with a way more palatable spending requirement. You may now earn 75,000 Enterprise Miles after spending simply $4,000 within the first three months.
Contemplating you earn at the least 2x Enterprise Miles on each buck you spend, you will truly get at the least 83,000 miles when you full the required quantity of spending. And since Capital One Enterprise Miles are value at the least 1 cent apiece towards journey – and doubtlessly far more when utilizing Capital One switch companions – that bonus alone is value at the least $830 in direction of journey bills.
Want some concepts? Learn our record of the greatest methods to make use of your Capital One Enterprise Miles.
An Annual $300 Journey Credit score
Every year of card membership, Enterprise X cardholders will stand up to a $300 journey credit score to make use of for Capital One Journey bookings.
Simply use your card to e-book flights, motels, or rental vehicles by the Capital One Journey portal and you may routinely get reimbursed on all purchases as much as $300.
Consider it this fashion: Do you propose to spend $300 or extra on journey every year? Then this card’s annual payment is not $395 – it is extra like $95. That routinely makes this card a superb various to the favored *capital one enterprise*.
To not point out, you will earn additionally 10x Enterprise miles on motels and rental vehicles and 5x miles on flights booked by way of Capital One Journey. And that is true even if you’re placing that $300 credit score to make use of. Different playing cards with these credit just like the Chase Sapphire Reserve might make them simpler to make use of by routinely making use of to virtually any journey buy, however you usually do not earn the bonus miles till you’ve got exhausted that credit score.
Capital One rolled out its new Hopper-powered journey portal a number of years in the past. Whereas we usually avoid third-party websites and on-line journey businesses, Capital One has added some potent options to this new portal that may flip that logic on its head.
Learn extra: All the things You Must Know About Capital One Enterprise X $300 Journey Credit score
Capital One Lounge & Precedence Go Lounge Entry
This can be a massive one.
Capital One Enterprise X cardholders will get complimentary entry to the new Capital One Lounges, the primary of which formally opened its doorways in Dallas-Fort Price (DFW) in 2021. Extra lounges are within the pipeline in Denver (DEN), Washington, D.C-Dulles (IAD), and Las Vegas (LAS), however lounges in Denver and D.C. have been repeatedly delayed with opening dates initially deliberate for the tip of 2022.
Capital One can be planning to open eating areas referred to as Capital One Landings in Washington, D.C.-Reagan (DCA) and New York Metropolis-LaGuardia (LGA).
The Enterprise X is the one bank card that gives complimentary entry to the Capital One lounges. And it is Capital One’s first card that gives lounge entry, interval.
Take a look at our evaluate of the Capital One Dallas lounge!
You may additionally get a full Precedence Go membership, which can get you into 1,300-plus airport lounges across the globe. Whereas most of those contract lounges is probably not as good as the brand new Capital One area, they’ve such an enormous footprint that makes it a lot simpler to get right into a lounge irrespective of the place you are flying. Membership by the Enterprise X will not get you comped meals at Precedence Go eating places, although – Capital One minimize that profit for cardholders earlier this yr.
Nevertheless, per the phrases and circumstances of Capital One’s Enterprise X Precedence Go lounge entry, cardholders may have the power to herald a vast quantity of friends. Precedence Go memberships from different premium journey playing cards cap visitor entry at two friends per cardholder.
Capital One additionally added entry to Plaza Premium Lounges, opening the doorways to dozens extra lounges overseas and at residence. The Plaza Premium identify additionally contains Virgin Atlantic Clubhouse lounges in 5 U.S. airports like New York Metropolis (JFK) and Washington, D.C.-Dulles (IAD); a number of lounges on the Cancún (CUN) airport; and Avianca lounges all through Colombia. Right here’s the full record of latest lounges.
There’s yet one more benefit: Enterprise X cardholders can add as much as 4 approved customers to their card account at no extra value. And every approved consumer will obtain their very own lounge membership permitting them to herald as much as two friends with them on every go to as properly.
With different prime journey playing cards, including approved customers to offer them their very own lounge entry and different advantages prices $75 to $175 a yr. Not so right here.
Learn extra on add Capital One Enterprise X approved customers – and why you must!
The Premier & Life-style Assortment of Accommodations
In early 2023, Capital One launched its personal portfolio of luxurious motels and resorts, bookable with unique advantages for Enterprise X cardholders.
It is referred to as The Premier Assortment. Simply log into your account and head for the Capital One journey portal, the place you will see the choice to seek for Premier Assortment properties along with flights, motels, and rental vehicles.
It is not simply glamorous motels and resorts that Capital One hopes will draw vacationers in, both. Each Premier Assortment reserving unlocks a handful of extra perks that match (or exceed) the highest ranges of resort standing, together with:
- Free breakfast for 2 each morning
- A $100 credit score for eating, the spa, or different experiences on the property
- Free Wi-Fi throughout your keep
- Room upgrades, early check-in, and late check-out when obtainable
- Earn 10x Enterprise Miles per greenback on each reserving
- You need to use your Enterprise X Card’s $300 annual journey credit score for these resort bookings
It is a close to carbon copy of American Categorical’s Nice Accommodations + Resorts Program, giving vacationers with *amex platinum card* elite-like perks on resort bookings. However Capital One lags behind its competitor in a single essential respect: At present, there aren’t many motels and resorts obtainable inside the Premier Assortment.
Moreover, in June 2023, Captial One launched the Life-style Resort Assortment together with model names like Virgin, The Normal Design, and The LINE in addition to a variety of boutique motels world wide. Whereas the Premier Assortment is out there completely to Enterprise X cardholders. the Life-style Assortment will probably be obtainable to different Capital One cardholders – together with these with a *capital one enterprise*.
Cardholders will get perks often reserved for these with resort standing or who maintain a premium journey rewards bank card similar to incomes extra factors on stays, room upgrades, early check-in and late checkout, and a $50 expertise credit score to make use of at bars, resort eating places, room service, or different actions.
An official date for the launch of the Life-style Assortment in Capital One’s journey portal has but to be introduced, however the financial institution says it expects the rollout to start later this yr.
Enterprise X $100 Credit score for International Entry or PreCheck
Add the Capital One Enterprise X to the rising record of bank cards providing as much as a $100 credit score for both TSA PreCheck or International Entry. Membership in both program is sweet for 5 years and Enterprise X cardholders will get this credit score each 4 years.
When you plan for any type of worldwide journey, spring for International Entry because it features a TSA PreCheck membership. At simply $100, the assertion credit score supplied by the Enterprise X bank card will utterly cowl your membership value for so long as you retain the cardboard open.
Profiting from this credit score is easy. Simply use the cardboard if you pay in your software and voilà: Your credit score will kick in to cowl the complete value.
Learn extra: International Entry vs. TSA PreCheck: Which is Higher for You?
10,000 Bonus Miles Every Yr
Each yr in your account anniversary, you will obtain 10,000 bonus Enterprise miles after paying your card’s annual payment.
These miles are value a minimal of $100 in direction of journey – and doubtlessly far more by using the Capital One switch companions. You will not get this proper if you open the cardboard: This profit begins in your second yr and every year after that.
In our expertise, Capital One deposits this 10,000-mile bonus a few month or two after paying your annual payment on the cardboard, beginning in your second yr.
Cardholders may also earn 25,000 bonus miles for every pal they seek advice from the Enterprise X, for a complete of as much as 100,000 miles per yr.
Learn Extra: Questioning Whether or not to Renew Your Enterprise X Card? Make Positive You Learn This
Earn 2x Miles on Each Buy You Make with Enterprise X
Just like the common Capital One Enterprise Card, Capital One Enterprise X cardholders will earn 2x miles on each greenback spent on the cardboard.
That is extremely profitable, and will simply make the Enterprise X card a go-to choice in your pockets for a lot of bills.
Nevertheless, in contrast to the legacy Enterprise card, Enterprise X cardholders may even earn 10x miles on motels and rental vehicles and 5x miles on flights booked by way of the Capital One Journey portal.
Complimentary Hertz President’s Circle Standing
Enterprise X cardholders get complimentary Hertz President’s Circle standing.
As the best stage of elite standing of their Gold Plus Rewards program, President’s Circle elite members who e-book an intermediate automobile or larger get assured upgrades to the following obtainable automobile class or the power to decide on a automobile from the President’s Circle Final Selection aisle.
Members may also skip the counter when renting a automobile, have entry to a devoted Hertz Rewards customer support line, and have the power so as to add an extra driver for free of charge.
This profit will probably be obtainable for each major cardholders and approved customers.
Journey Insurance coverage & Rental Automotive Protection
Premium journey bank cards usually include some glorious journey safety insurance policies, and the Enterprise X isn’t any totally different.
This Capital One card is technically a Visa Infinite card, which is a distinction that does not matter a lot … till it comes to those advantages. Cost your rental automobile, flights, or any journey to your Enterprise X card and you will get:
Enterprise X Major Rental Automotive Protection
A few of the strongest rental automobile insurance coverage you will get, practically an identical to what’s obtainable by the Chase Sapphire playing cards. Decline the rental automobile company’s coverage and you will have a robust insurance coverage coverage that can cowl most damages and even the theft of the car. It applies to leases within the U.S. for so long as 15 days and in most international international locations for as much as 31 days.
Take a look at the tremendous print of this coverage.
Enterprise X Misplaced Baggage Reimbursement
Did an airline lose your baggage – or did it get stolen? When you paid together with your Enterprise X Card, you may stand up to $3,000 to exchange the bag and its contents (or $2,000 per bag for New York residents). The cardholders and all rapid relations are lined.
Enterprise X Journey Delay Protection
Get reimbursed for as much as $500 in extra bills like in a single day resort stays or new airplane tickets in case your journey is delayed by six or extra hours – or forces an in a single day keep.
Enterprise X Journey Cancellation and Interruption Protection
If one thing goes significantly flawed in your journey like an accident, sickness, or dying that forces you to cancel or minimize it brief, you are lined for as much as $2,000 per individual in bills – and also you, a partner, and any dependent kids are eligible.
That is on par with a few of the greatest journey insurance coverage insurance policies from bank cards that we have ever seen. Simply pay in your journey together with your Enterprise X Card and also you’re set.
Enterprise X Cardholders Get Free Approved Customers
Wish to add an extra consumer to your card? The Enterprise X card means that you can add as much as 4 approved customers at no extra value. That is unparalleled on the earth of premium journey bank cards. Sometimes you will pay an extra $75 to $175 every year on different premium playing cards so as to add an extra consumer.
Not solely are you able to add as much as 4 approved customers to the Enterprise X at no extra value, every extra consumer will get their very own lounge membership with the power to convey their very own friends.
It is some of the underrated advantages of the Enterprise X card and an enormous motive why we predict it is the greatest card for touring households.
Enterprise X Annual Payment
The Enterprise X card has an annual payment of $395 every year. In comparison with different premium journey bank cards. That is a discount – and in addition one of many causes we predict an eventual hike to its annual payment could also be inevitable.
That $395 payment should appear steep, however it’s a mirage: It is truly far cheaper. Contemplate the truth that you get an computerized $300 credit score a yr in direction of journey booked by the Capital One Journey portal. Then, beginning in yr two, you get a ten,000-point bonus yearly – factors which are value a minimal of $100.
Are you the form of one who plans to spend $300 a yr or extra on journey? If that’s the case, do the mathematics and you may see that in actuality, you are paying $95 (or much less) a yr for this card. When you’re not the form of individual spending $300-plus a yr on journey, a premium journey bank card like this one in all probability is not the precise transfer.
Learn extra: Why The Capital One Enterprise X Annual Payment Should not Scare You Off
No International Transaction Charges
As a result of it is a Visa Infinite card, you will not pay international transaction charges when utilizing your Capital One Enterprise X overseas.
Learn extra: All the things You Must Know About Avoiding International Transaction Charges
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Who Can Get the Enterprise X Card?
Capital One has indicated that you want a wonderful credit score rating to be accredited for the Enterprise X card. Meaning these with a credit score rating above 740 may have one of the best possibilities of being accredited. Nevertheless it’s not so minimize and dry…
Have already got the Enterprise or VentureOne Card? No drawback: Present Capital One cardholders are eligible to use for the Enterprise X Card – or just improve. There isn’t any rule limiting you to holding only one sort of Enterprise card, as is the case with Chase and its Sapphire Card lineup.
Traditionally, Capital One has been one of many extra strict (and secretive) bank card issuers relating to their requirements of who will get accredited and who will get denied. Whereas they do not publish any particular guidelines just like the Chase 5/24 rule, there are some normal tips to bear in mind when making use of for any Capital One card.
- Capital One usually limits customers to holding simply two Capital One-branded playing cards at a time. Meaning when you’ve already obtained a Enterprise Card and the *capital one savorone*, you seemingly will not get accredited for an additional card.
- Capital One typically solely means that you can open one Capital One bank card each six months. So when you’ve just lately utilized and opened one other Capital One card, it’s possible you’ll want to attend.
- Information factors recommend that, very like the Chase 5/24 rule, those that have opened 5 or extra bank cards (from any financial institution) within the final 24 months can also have a tough time being accredited for Capital One card merchandise.
However these aren’t exhausting and quick guidelines. Since this card first launched a number of years in the past, we have been stunned to see many vacationers who anticipated to be declined for the Enterprise X Card get instantaneous approval.
Learn Extra: Are You Eligible for the Capital One Enterprise X Card?
How A lot are 83K Capital One Enterprise Miles Price?
It is determined by how you employ them. And luckily, these miles are extremely versatile.
Let’s begin with the bonus … as a result of it is truly even larger than 75,000 miles. Contemplating you earn 2x miles on each buy, the $4,000 it’s important to spend to earn that welcome bonus rounds it out to at the least 83,000 Enterprise miles complete.
Capital One has one of many easiest methods to redeem miles towards journey: Masking your purchases with Enterprise Miles. Simply e-book a flight, resort, or any journey expense together with your Enterprise X, then return and take away it out of your assertion with miles.
If you cowl your journey purchases with Enterprise Miles, each single mile is value 1 cent towards journey. The identical is true when utilizing one other technique to e-book journey: Capital One’s new journey portal, the place you may seek for flights, motels, or rental vehicles and e-book straight by Capital One.
Meaning 83,000 Enterprise Miles are value at the least $830 towards journey. However you could possibly do a lot, significantly better.
Capital One has leveled up its switch partnership program with new additions and enhancements over the previous couple of years, fixing the obvious weak spot of that choice. Now, you may switch to 18 totally different airline and resort packages – most on on a 1:1 foundation. Meaning 83,000 Enterprise Miles can change into 83,000 British Airways Avios. Or 83,000 Emirates Skywards miles. 83,000 miles with Turkish Airways Miles & Smiles. Or 83,000 Air Canada Aeroplan miles.
With this improved switch companion program, these miles are doubtlessly value a lot, far more. It makes Enterprise Miles a real double menace.
Learn extra: 7 Candy Spots for Utilizing Capital One Enterprise Miles
Capital One Enterprise X Overview: Why We Suppose the Card is Excellent
The Enterprise X Card is a game-changer amongst premium journey bank cards.
There are cheaper (or free) journey bank cards that do not include many journey advantages. There are benefit-rich journey bank cards with exorbitant annual charges … and there was nothing in between. Capital One officers weren’t precisely delicate about their motivation in making an attempt to separate the distinction with this card.
“In speaking to prospects, we really feel that there’s a hole available in the market,” Lauren Liss, Capital One’s managing vice chairman of U.S. playing cards, stated in an interview with Thrifty Traveler again in 2021. “Prospects do not need to pay $600 for a card that gives journey advantages. They usually do not need to take the time to repeatedly observe a laundry record of advantages they’ve to recollect to register for.”
Rumors had been swirling for years about Capital One venturing (pun very a lot meant) into the premium bank card market. These rumors intensified after they introduced plans to enter the airport lounge area, competing head-to-head with American Categorical Centurion Lounges.
This card will get you and two friends free entry to Capital One and Precedence Go lounges. We’re already impressed with the very first Capital One Lounge in Dallas. If they’ll repeat that have as extra lounges open in Denver, Dulles, and past, Capital One may have hit a house run.
We’ll admit it: We had been skeptical about Capital One’s plans for a premium card at first. Why mess with a very good factor they’d with the ever-popular Capital One Enterprise Rewards Credit score Card?
Probably the greatest issues in regards to the Capital One Enterprise Card, which has drawn in hundreds of vacationers, is its simplicity. Pay a $95 annual payment, earn 2x miles on each single buy you make, purchase any flight, resort, or perhaps a cruise or Airbnb, and cowl the fee utilizing your miles after the actual fact.
It is constructed round catering to the common traveler. Why overcomplicate that with questionable advantages, convoluted switch partnerships, or hefty annual charges that may scare them away?
Capital One has made some massive strikes that change that calculus, taking one of the best issues in regards to the Enterprise Card and placing them on steroids with the Enterprise X – all whereas retaining that easy, simple strategy.
Backside Line
Virtually two years because it launched, the Capital One Enterprise X Credit score Card stays one in every of our absolute favourite playing cards for vacationers.
You’ll be able to at the moment earn 75,000 Enterprise Miles after spending $4,000 within the first three months with the Enterprise X. Because you earn 2x miles on each greenback you spend, you will find yourself with 83,000 miles value a minimal of $830 in direction of journey.
When you’re holding out hope for a return of the 100,000-mile provide from when the Enterprise X first launched … do not maintain your breath. It is unlikely we’ll see a proposal that good on this card ever once more. And even with a 75,000-mile bonus, this stays one of many strongest journey playing cards available on the market right now.
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