Editor’s be aware: This put up has been up to date with new data.
When the Capital One Enterprise Rewards Credit score Card first launched in 2010, it appeared very completely different than the Enterprise we all know and love at this time.
The now-familiar $95-annual-fee card earned 2 miles per greenback on all purchases, which might be redeemed for journey at 1 cent apiece. That components gained accolades for simplicity and worth.
The Enterprise has solely improved over time — significantly inside the previous couple of years. First, it added a International Entry/TSA PreCheck credit score (As much as $100). In 2018, the issuer additionally launched journey switch companions to the Capital One miles program. And in 2021, Capital One improved its switch charges and opened its first airport lounge in Dallas-Fort Price Worldwide Airport (DFW).
However essentially the most notable enhancement to the issuer’s portfolio hit the market in November 2021. To rival long-standing premium opponents from issuers like American Specific and Chase, Capital One launched the Capital One Enterprise X Rewards Credit score Card.
As Capital One’s first actually premium journey bank card, the Enterprise X takes journey rewards and advantages to the following degree. With a $395 annual charge, it’s extra reasonably priced than The Platinum Card® from American Specific and the Chase Sapphire Reserve, but it affords an identical cadre of advantages, which makes the Enterprise X probably the greatest bank cards available on the market at this time.
In the event you don’t carry both card — the Enterprise or the Enterprise X — chances are you’ll marvel: Do you have to apply for the well-established, crowd-pleasing Enterprise or shake issues up with the higher-priced Enterprise X?
Right here, we’ll carefully study each playing cards to assist vacationers determine which Capital One card is the most suitable choice.
Evaluating the Enterprise X and Enterprise
| Card | Capital One Enterprise X | Capital One Enterprise |
|---|---|---|
| Annual charge | $395. | $95. |
| Signal-up bonus | Earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. | Earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. |
| Incomes charges |
|
|
| Different advantages |
|
|
| International transaction charges | None. | None. |
For an annual charge distinction of $300, you’ll get various perks — together with limitless lounge entry, further assertion credit and extra.
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However are all of those perks value it? We’ll put these playing cards to the check within the following sections.
Welcome supply
For each the Enterprise X and the Enterprise, you’ll earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. These miles are value round $1,388, primarily based on TPG’s valuations, making now a good time to use for both card.
Winner: Tie.
Bonus classes
One in every of our favourite elements of the Enterprise is its approachable incomes charge of two miles per greenback on all eligible purchases. And cardholders who e book lodges and rental vehicles via the Capital One Journey portal will take pleasure in an improved 5 miles per greenback on these purchases.
The Enterprise X takes that very same on a regular basis incomes charge that we love (2 miles per greenback) however layers in further travel-geared bonus classes. You’ll earn 10 miles per greenback on lodges and rental vehicles booked via the Capital One Journey portal and 5 miles per greenback on flights booked via the portal.
As well as, Capital One launched a brand new partnership with Turo in 2022, giving Enterprise X cardholders 10 miles per greenback and Enterprise cardholders 5 miles per greenback on vehicles booked via the Turo app or web site.
Winner: Enterprise X is the clear winner. Nonetheless, it’s value mentioning that you could be wish to keep away from reserving lodges and rental vehicles via the portal when you’re pursuing (or have already got) elite standing. The portal is taken into account a third-party platform, so that you possible gained’t get any elite credit or advantages when reserving this manner (although Hertz is one necessary exception).
Redemption choices
With each the Enterprise and Enterprise X, your Capital One miles will switch to companions at a 1:1 charge — save for a few applications, famous under:
- Aeromexico Membership Premier.
- Air Canada Aeroplan.
- Air France-KLM Flying Blue.
- ALL Accor Dwell Limitless (2:1).
- Avianca LifeMiles.
- British Airways Govt Membership.
- Cathay Pacific Asia Miles.
- Selection Privileges.
- Emirates Skywards.
- Etihad Visitor.
- EVA Air Infinity MileageLands (2:1.5).
- Finnair Plus.
- Qantas Frequent Flyer.
- Singapore Airways KrisFlyer.
- TAP Portugal Miles & Go.
- Turkish Airways Miles & Smiles.
- Virgin (Virgin Purple).
- Wyndham Rewards.
Even when most of Capital One’s companions are worldwide airways, don’t low cost them, as there’s nonetheless great worth to be discovered when you can leverage the assorted applications’ candy spots. Plus, accessing extra switch companions solely helps present extra flexibility when it’s time to redeem your miles. A few of the notable applications embody Air Canada Aeroplan, British Airways Govt Membership and Turkish Airways Miles & Smiles.
If simplicity is your factor, you’ll be able to as an alternative redeem your miles for any travel-related purchases in your assertion at a charge of 1 cent every with both card. Whereas that is underneath our valuation of 1.85 cents, this can be a nice technique to scale back these different journey expenses like group excursions, ride-hailing companies and extra.
Winner: Tie. Although the Enterprise X carries the next annual charge, it affords the very same redemption choices because the Enterprise.
Card advantages
Maybe the most important distinction between the 2 playing cards is the sheer variety of advantages that include the Enterprise X.
The Enterprise is a pared-down model of the Enterprise X, with solely two passes per yr to go to Capital One’s new airport lounges (the Dallas-Fort Price location for now — however extra are deliberate). Just like the Enterprise X, the Enterprise card additionally affords a International Entry/TSA PreCheck reimbursement credit score.
Alternatively, with the Enterprise X, you’ll take pleasure in a number of further perks:
From the 2 tangible advantages — the ten,000 bonus miles and $300 annual journey credit score — that’s $485 in worth alone. This covers all the distinction between the annual charges on the 2 playing cards.
Winner: Enterprise X. The $300 annual charge distinction will get you a gentle quantity of perks that may make an infinite distinction in your journey expertise. With limitless entry to Capital One and Precedence Cross lounges, as much as $300 in annual journey credit score via the Capital One portal and extra, the worth of the Enterprise X’s extra sturdy advantages turns into much more obvious.
Associated: 6 issues to do whenever you get the Capital One Enterprise X
When do you have to get the Enterprise X?
The Enterprise X supplies appreciable first-year worth, with the 75,000 bonus miles after spending $4,000 within the first three months of account opening. Coupled with the opposite perks on the cardboard that aren’t discovered on the Enterprise, most vacationers shouldn’t have any hassle justifying the upper $395 annual charge — though the sign-up bonuses at the moment are equivalent.
That stated, when you want extra convincing, listed below are different explanation why you need to apply for the Enterprise X as an alternative.
Beneficiant licensed consumer advantages
Whereas the $395 annual charge is steep, the advantages will be shared amongst as much as 4 licensed customers. If in case you have trusted relations or pals, you’ll be able to add them at no cost and share limitless entry to Capital One, Precedence Cross and Plaza Premium lounges (with the identical visitor entry because the cardholder). Approved customers can even make the most of the cardboard’s complete journey and buy protections, which will be actual money-savers when issues go fallacious on the street.
Cellphone safety
That is the primary Capital One card to return with cellphone safety, a fairly wonderful profit in case your cellphone will get broken, stolen and even misplaced if it’s unrecoverable. To qualify, you’ll have to pay your month-to-month invoice with the Enterprise X for reimbursement of as much as $800 per declare and two claims ($1,600 most) per yr, with a $50 deductible per declare.
Associated: Improbable perks and a 75,000-mile bonus: A evaluate of the Capital One Enterprise X
When do you have to get the Enterprise?
Though the Enterprise X wins in almost each class that we analyzed, that doesn’t imply the Enterprise must be out of the operating fully. Listed here are some explanation why the unique Enterprise card is usually a stable decide for a lot of.
The Enterprise X’s advantages don’t work along with your way of life
In the event you journey too occasionally to maximise the complete potential of the Enterprise X, then the Enterprise is probably going higher fitted to you. Admittedly, the Enterprise X’s perks are designed for street warriors and frequent flyers. Capital One has just one lounge presently open at DFW, and whereas there are extra within the pipeline, it would undoubtedly take time for the complete advantage of Capital One lounges to be realized.
Whereas profitable, the credit on the Enterprise X are nonetheless extra restricted when in comparison with the $300 journey credit score on the Chase Sapphire Reserve, which is likely one of the most beneficiant credit we’ve seen on any card. Because of this, when you at all times e book instantly and don’t wish to decide to reserving via the Capital One Journey portal, you would possibly discover it arduous to take full benefit of the Enterprise X’s $300 annual journey credit score.
You have already got Precedence Cross, Centurion Lounge or different lounge entry
For a lot of vacationers, airport lounges are a saving grace to get work executed or seize a meal earlier than your flight departs. But when you have already got one other card that grants you Precedence Cross or another sort of lounge entry, carrying the Enterprise X is probably not needed for you.
As an illustration, the Amex Platinum grants you entry to the American Specific International Lounge Assortment, together with the issuer’s personal Centurion Lounges in addition to Delta Sky Golf equipment (when flying Delta) and Precedence Cross (besides restaurant venues).
Associated: 8 methods the Amex Centurion Lounge can fight overcrowding, enhance the expertise
You’re on the lookout for a fixed-rate rewards card for non-bonus bills
On the finish of the day, the Enterprise nonetheless affords 2 miles on all different eligible purchases — the identical charge because the Enterprise X. In the event you’re merely wanting so as to add a flat-rate incomes card to your technique to maximise these purchases that are likely to fall exterior of widespread buy classes, the Enterprise continues to be a unbelievable card to earn all these further factors.
Associated: Earn 75,000 bonus miles: Capital One Enterprise Rewards Credit score Card evaluate
Backside line
Associated: Who ought to (and shouldn’t) get the Capital One Enterprise X card?
Official Utility web page: Capital One Enterprise X.
Official Utility web page: Capital One Enterprise.
Further reporting by Ryan Wilcox and Christina Ly.
For Capital One merchandise listed on this web page, a number of the above advantages are supplied by Visa® or Mastercard® and will range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
*Upon enrollment, accessible via the Capital One web site or cell app, eligible cardholders will stay at upgraded standing degree via Dec. 31, 2024. Please be aware, enrolling via the conventional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) won’t routinely detect a cardholder as being eligible for this system and cardholders won’t be routinely upgraded to the relevant standing tier. Further phrases apply.
