The Capital One Enterprise X Rewards Credit score Card (see charges and costs) launch in November 2021 represented one of the thrilling bank cards to come back round in a very long time.
As Capital One’s flagship card, the Enterprise X is an addition to the world of premium journey rewards playing cards, taking up incumbent gamers like The Platinum Card® from American Categorical and Chase Sapphire Reserve.
The $395-per-year Enterprise X not solely undercuts its important opponents when it comes to an annual payment, nevertheless it additionally features a record of helpful (and complete) perks. Highlights embody as much as $300 in annual assertion credit for bookings made by means of the Capital One Journey portal, entry to Capital One Lounges and Precedence Cross lounges and a ten,000-mile anniversary bonus for every cardmember yr.
However there may be much more worth lurking simply beneath the floor. In case you’re contemplating the Enterprise X, listed here are solutions to eight of the main questions you might need.
Apply right here: Capital One Enterprise X with 75,000 bonus miles after you spend $4,000 on purchases within the first three months from account opening.
Can I apply for Enterprise X as an current Enterprise cardholder?
One of the urgent questions issues current Capital One clients – particularly, whether or not you’ll be able to apply for the Enterprise X if you have already got the equally named Capital One Enterprise Rewards Credit score Card (see charges and costs).
The fast reply is: Sure, you’ll be able to apply for the Enterprise X card as an current Enterprise cardholder. In contrast to the Chase Sapphire Most popular Card and Chase Sapphire Reserve – the place you’ll be able to solely have one or the opposite open at any given time – you can maintain each the Enterprise and the Enterprise X.
For instance, TPG’s Nick Ewen and David Slotnick each utilized for the Capital One Enterprise when it provided an up-to-100,000-mile welcome bonus in April 2021. Each have been then accepted for the Enterprise X, lower than a yr from once they utilized for the Enterprise.
That’s nice information because it means you’ll be able to apply for the Enterprise X’s wonderful 75,000-mile sign-up bonus and rack up much more Capital One Miles towards journey, even when you have already got the Enterprise.
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Associated: Capital One launches Enterprise X, its first-ever premium journey bank card
What are the appliance restrictions for Capital One playing cards?
Traditionally, Capital One has restricted the variety of its private bank cards you’ve got open to 2. Cobranded and small-business playing cards (such because the Capital One Spark Miles for Enterprise) are usually excluded.
Capital One can also be identified to have a rule in the case of timing your purposes. You’re usually solely capable of get accepted for one Capital One card each six months.
Capital One can also be fairly delicate concerning current credit score inquiries for those who’ve utilized for different playing cards recently. Anecdotally, although, reviews point out that Capital One might have made it simpler to be accepted for the Enterprise X, even for those who’ve had a number of card purposes within the current previous.
Be strategic about whenever you apply. For example, you could wish to think about a Chase bank card earlier than the Enterprise X. That’s as a result of this card will fall beneath Chase’s “5/24 rule,” which means you doubtless won’t be accepted for a Chase bank card for those who’ve opened 5 or extra private bank cards throughout all banks within the final 24 months.
So for those who’re getting close to that restrict and the Enterprise X would set you over it, you may wish to apply for a Chase card first after which look to the Enterprise X, since Capital One doesn’t have such a restriction in place presently.
Associated: The last word information to bank card software restrictions
Can I improve to Enterprise X as an current Enterprise cardholder?
In keeping with a Capital One spokesperson, present Enterprise cardholders whose accounts are in good standing can contact the issuer’s customer support desk to see if they’re eligible for an improve to Enterprise X.
Every applicant’s state of affairs will likely be completely different and evaluated on a case-by-case foundation. In TPG’s check calls to Capital One, cellphone brokers provided to improve most of our Enterprise playing cards to Enterprise X playing cards however reiterated that cardholders wouldn’t be eligible for a welcome bonus.
That mentioned, TPG’s govt editor Scott Mayerowitz was instructed he wasn’t eligible to improve his Enterprise to the Enterprise X after being denied as a brand new applicant. So, because the saying goes, your mileage might fluctuate.
After all, it’s additionally crucial to consider whether or not you must improve or apply as a brand new applicant.
Upgrades usually have zero influence in your credit score rating and in lots of circumstances, you’ll even maintain the identical account quantity. Nevertheless, you’ll lose out on a big welcome bonus.
So even for those who’re eligible to improve, you may wish to apply for the Enterprise X outright as an alternative.
Can I mix my Capital One miles throughout a number of playing cards?
Sure, you’ll be able to mix your Capital One miles from playing cards such because the Capital One Enterprise, Capital One Enterprise X and Capital One Spark Miles for Enterprise (see charges and costs).
To do that, you have to have the relevant playing cards related to the identical Capital One on-line profile. Then, log in to your account, navigate to the rewards part and choose the “Transfer Rewards” choice.
Is there a payment so as to add approved customers to Enterprise X?
No, there is no such thing as a payment so as to add as much as 4 approved customers to your Enterprise X account.
What are the approved consumer advantages on Enterprise X?
Each the first cardholder in addition to approved customers obtain Hertz President’s Circle standing.
Associated: Stacking rental automobile perks with Hertz and the Enterprise X
What journey and purchasing protections does the Enterprise X supply?
Just like the Chase Sapphire Reserve, the Enterprise X is denoted as a Visa Infinite bank card and features a host of protections when utilizing your card:
- Journey cancellation and interruption insurance coverage: As much as $2,000 per particular person for you and speedy members of the family for pre-paid nonrefundable tickets.
- Journey delay reimbursement: As much as $500 per particular person 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: For frequent provider tickets, as much as $3,000 per lined journey if the airline damages or loses your baggage.
- Cellphone safety: By utilizing the cardboard to pay your month-to-month wi-fi invoice, you’re eligible for 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 incidence.
- Main rental automobile insurance coverage: As much as $75,000 attributable to injury brought on by collision or theft to a rental automobile.
- Buy, prolonged guarantee, and return safety: As much as $10,000 per declare and $50,000 per account on purchases; warranties prolonged by a further yr; returns as much as $300 per merchandise and $1,000 per account.
Like another premium card packages, the Visa Infinite program additionally features a devoted concierge service that may help with journey and eating preparations, purchasing, entry to unique occasions and extra.
Discover Capital One Enterprise X’s full information to advantages right here (warning: PDF hyperlink).
What sort of rental automobile advantages and safety do I get with Enterprise X?
The Enterprise X affords complimentary Hertz President’s Circle standing, which supplies perks resembling assured one-class automobile upgrades and a devoted Hertz customer support quantity. (Take a look at this text for extra on learn how to stack your rental automobile perks with Hertz and the Enterprise X.)
Main cardholders should enroll by means of the Advantages Tab hyperlink discovered inside the Capital One web site or app after logging in. Licensed customers are eligible for the profit as effectively, however the major account holder should enroll them on their behalf on-line. After profitable registration, Hertz will course of the request, and the standing will likely be efficient 24-72 hours after registration.
Via Visa Infinite, you can also get major rental automobile protection for as much as $75,000 attributable to injury to a rental automobile brought on by collision or theft.
Advantages are solely out there to accounts accepted for the Visa Infinite card. Phrases apply.
Backside line
As well as, there are lots of under-the-radar perks on Enterprise X, together with Visa Infinite advantages with a sturdy array of journey, baggage, automobile rental and buy protections. Lastly, Enterprise X stands out from the remainder of the group for its no-fee approved consumer coverage, which incorporates limitless lounge entry and even top-tier Hertz President’s Circle standing.
Official software hyperlink: Capital One Enterprise X with 75,000 bonus miles after you spend $4,000 on purchases within the first three months.
For Capital One merchandise listed on this web page, among the above advantages are offered by Visa® or Mastercard® and should fluctuate 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 cell app, eligible cardholders will stay at upgraded standing stage by means of December 31, 2024. Please observe, enrolling by means of 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. Extra phrases apply.
Extra reporting by Ryan Wilcox.
