Capital One Enterprise X Rewards Credit score Card overview
* Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
When it launched in 2021, the Capital One Enterprise X stepped into the premium house alongside playing cards like The Platinum Card® from American Categorical and Chase Sapphire Reserve. Like them, it has some severe journey perks and beneficial assertion credit — however for a a lot decrease annual charge.
And as Capital One continues opening their very own airport lounges, the case for the Enterprise X turns into even stronger. Along with their first location at Dallas Fort Price Worldwide Airport, they’ve now opened their second one at Washington D.C.’s Dulles Worldwide Airport. With the Enterprise X, you will get complimentary limitless entry to those in addition to Capital One’s 1,400+ accomplice lounge areas for you and your friends.
If Dallas Fort Price or Dulles is your own home airport, this can be all that you must know to make your determination. However in case you are nonetheless debating whether or not the Enterprise X is for you — and you’ve got a credit score rating of not less than 700 — right here is every part that you must know earlier than clicking that “apply” button.
Capital One Enterprise X welcome provide
Based on TPG’s newest valuations, 75,000 Capital One miles are price $1,388, because of the outsized worth you will get from transferring Capital One miles to this system’s airline and resort companions.
And when you do not need to navigate the complexities of transferable factors, you should use your Capital One miles immediately for journey at a fee of 1 cent per mile — making the sign-up bonus price $750.
Associated: The very best time to use for these fashionable Capital One bank cards based mostly on provide historical past
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Capital One Enterprise X advantages
Whereas decrease than its premium rivals, the Enterprise X does carry a $395 annual charge (see charges and costs). That may initially look like a deterrent, however the card’s perks can offset the yearly price with minimal effort:
- Annual credit score: $300 again in credit yearly for bookings made by way of Capital One Journey.
- Anniversary bonus: 10,000 bonus miles each account anniversary, beginning in your first anniversary (price $100 towards journey).
- Lounge entry: Complimentary entry for cardholders and as much as two friends per go to to Capital One Lounges and lounges in Capital One’s accomplice community.
- Approved customers: As much as 4 licensed customers could be added at no cost (see charges and costs), they usually additionally get the identical lounge entry because the cardholder (together with entry for as much as two friends).
- Entry to luxurious lodges: The Capital One Premier Assortment presents cardholders free breakfast, on-property credit and room upgrades (if accessible). Cardholders even have entry to the lower-tier Life-style Assortment.
- Rental automotive standing: The first cardholder and licensed customers obtain complimentary Hertz President’s Circle standing**.
- International Entry or TSA PreCheck: As much as $100 in assertion credit for both TSA PreCheck or International Entry as soon as each 4 years.
- Journey delay reimbursement: As much as $500 per particular person for affordable bills when your journey is delayed for greater than six hours.
- Cellphone safety: Through the use of the cardboard to pay your month-to-month wi-fi invoice, you are eligible for as much as $800 in protection per declare. A $50 deductible applies per incidence.
- Major rental automotive insurance coverage: Safety towards harm brought on by collision or theft to a rental automotive.*
- Buy, prolonged guarantee and return safety: Warranties of three years or much less prolonged by a further 12 months; returns as much as $300 per merchandise and $1,000 yearly per account.*
* Advantages accessible on Visa Infinite playing cards.
**Upon enrollment, accessible by way of the Capital One web site or cellular app, eligible cardholders will stay at upgraded standing stage by way of December 31, 2024. Please notice, enrolling by way of 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. Extra phrases apply.
Associated: Is the Enterprise X definitely worth the $395 annual charge?
Incomes miles on the Capital One Enterprise X
The Enterprise X accrues miles on the following charges:
- 10 miles per greenback on lodges and automotive leases booked by way of Capital One Journey
- 5 miles per greenback on flights booked by way of Capital One Journey
- 2 miles per greenback on different purchases
This simplicity builds off the $95-per-year Capital One Enterprise Rewards Credit score Card (see charges and costs) a product that has been round for over a decade. In that method, the Enterprise X represents the perfect of each worlds — excessive incomes potential on journey purchases, particularly, however a strong on a regular basis incomes fee that is simple to maintain observe of.
Associated: Why the Enterprise X is a mainstay in my pockets
Redeeming miles on the Capital One Enterprise X
Whenever you’re able to redeem your Capital One miles, you have got a number of choices. If you wish to get probably the most worth out of your miles, you will need to make the most of the choice to switch them to Capital One’s 18 resort and airline journey companions.
Nonetheless, when you desire an easier redemption technique, you may redeem your miles at a hard and fast worth for any of those choices:
- E-book journey: You possibly can ebook journey immediately by way of Capital One Journey at a price of 1 cent per mile.
- Repay journey purchases: You possibly can repay journey purchases made up to now 90 days in your card assertion with out worrying concerning the complexities of loyalty applications. You will once more get a flat worth of 1 cent per mile.
- Redeem for present playing cards: You should use miles for present playing cards on the identical fee of 1 cent per mile.
- Redeem for money again: You possibly can redeem your miles for money again at a a lot decrease fee of 0.5 cents per mile.
Word that these fixed-value choices will yield properly under TPG’s valuation of 1.85 cents per level, and we particularly suggest avoiding the lowest-value cash-back possibility when doable. If you wish to redeem your rewards for cash-back, you will be significantly better off with the Capital One Savor Money Rewards Credit score Card* or Capital One SavorOne Money Rewards Credit score Card.
*The data for the Capital One Savor Money Rewards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Associated: Must you switch Capital One miles to companions or redeem them immediately for journey?
Transferring miles on the Capital One Enterprise X
To get most worth out of your Capital One miles, switch them to any of Capital One’s 18 resort and airline companions, together with beneficial choices like Singapore Airways KrisFlyer and Alternative Privileges.
As an illustration, TPG factors and miles reporter Kyle Olsen often transfers his miles to Air France-KLM Flying Blue, particularly when he can make the most of a switch bonus to get nice offers on flights to Europe.
Moreover, TPG senior bank cards editor Matt Moffitt loves the choice to switch his miles to Avianca LifeMiles for premium-cabin redemptions on United to Sydney, in addition to the flexibility to switch them to British Airways Government Membership for nonstop home flights on American Airways.
Regardless of your journey preferences, you can discover some wonderful worth in Capital One’s switch companions.
Associated: Your final information to Capital One’s airline and resort switch companions
Which playing cards compete with the Capital One Enterprise X?
For added choices, try our listing of the perfect premium journey playing cards.
Learn extra: The very best premium bank cards: A side-by-side comparability
Ought to I get the Capital One Enterprise X vs. Capital One Enterprise X Enterprise?
Backside line
Study Extra: Capital One Enterprise X with 75,000 bonus miles after you spend $4,000 on purchases within the first three months from account opening.
For charges and costs of the Amex Platinum Card, click on right here.
For Capital One merchandise listed on this web page, a number of 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.
