Two of Capital One‘s premium playing cards have change into highly regarded over the previous few years.
Most TPG readers are accustomed to the private Capital One Enterprise X Rewards Credit score Card. And if you’re a small-business proprietor, you could be curious about its enterprise sibling, the Capital One Enterprise X Enterprise.
At first look, the Enterprise X Enterprise seems to be virtually similar to the Enterprise X, with many overlapping perks and the identical annual payment. However just a few variations between the playing cards will possible put one forward of the opposite for you. Proper now, the Enterprise X Enterprise has its best-ever provide for brand spanking new cardholders.
This is what you might want to know earlier than selecting the Enterprise X or the Enterprise X Enterprise.
Associated: Do I would like a enterprise to get a enterprise bank card?
Enterprise X vs. Enterprise X Enterprise comparability
The Enterprise X and Enterprise X Enterprise are virtually similar, with the variations highlighted in daring under:
| Enterprise X | Enterprise X Enterprise | |
|---|---|---|
| Annual payment | $395 | $395 |
| Welcome provide | Earn 75,000 bonus miles after spending $4,000 within the first three months from account opening. | Restricted-time provide: Earn 150,000 bonus miles after spending $30,000 within the first three months, plus a further 200,000 miles after spending $200,000 within the first six months. |
| Incomes charges |
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| Advantages |
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Enterprise X vs. Enterprise X Enterprise welcome provide
Each the Enterprise X and the Enterprise X Enterprise include worthwhile welcome bonuses.
New Enterprise X cardholders earn 75,000 bonus miles after spending $4,000 within the first three months from account opening. In response to TPG’s April 2025 valuations, Capital One miles are price 1.85 cents every, making this bonus price $1,388.
The Enterprise X Enterprise, however, comes with a a lot larger, however tiered welcome bonus. For a restricted time, new cardholders can earn:
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- 150,000 bonus miles after spending $30,000 within the first three months
- An extra 200,000 miles after spending $200,000 within the first six months
In response to TPG’s April 2025 valuations, this bonus is an astounding as much as $6,475.
Whereas you do not have to be a standard enterprise proprietor to qualify for a enterprise bank card, the Enterprise X Enterprise’ welcome bonus spending requirement appears geared extra towards companies with considerably excessive spending patterns. If you cannot hit the excessive spending requirement and earn the elevated bonus, you will need to go along with the Enterprise X for its simpler path to a worthwhile bonus.
Winner: Enterprise X Enterprise — so long as you’ll be able to meet the very excessive spending requirement.
Associated: 10 methods to satisfy the spending necessities and earn the bonus on a brand new card
Enterprise X vs. Enterprise X Enterprise advantages
The Enterprise X and Enterprise X Enterprise have a whole lot of overlapping advantages, together with:
The place they differ:
- The Enterprise X comes with Hertz President’s Circle standing*.
- The Enterprise X Enterprise has business-oriented advantages (like itemized spending stories) and your card’s steadiness have to be paid in full each month (given it has no preset spending restrict).
Winner: Enterprise X — whereas these playing cards have very related advantages, Enterprise X’s complimentary automotive rental elite standing provides it the sting over the Enterprise X Enterprise.
Incomes miles on the Enterprise X vs. Enterprise X Enterprise
The Enterprise X and the Enterprise X Enterprise have the identical incomes charges:
- 10 miles per greenback on motels and rental automobiles booked via Capital One Journey
- 5 miles per greenback on flights and trip leases bought via Capital One Journey
- 2 miles per greenback on different purchases
Since each playing cards have the identical incomes charges, you will possible need to discover completely different card choices if you wish to earn bonus rewards on different particular classes, similar to eating, groceries or frequent enterprise bills.
Winner: Tie
Associated: The very best bank cards for every spending class
Redeeming miles on the Enterprise X vs. Enterprise X Enterprise
Each the Enterprise X and the Enterprise X Enterprise earn transferable Capital One miles and have the identical redemption choices.
Transferring your miles to any of Capital One’s 15-plus airline and resort companions is probably the most worthwhile redemption route and our suggestion.
You may as well redeem your miles for:
- A assertion credit score: 1 cent per mile; to cowl journey bills and present playing cards
- Amazon purchases: 0.8 cents per mile
- Money again: 0.5 cents per mile
Winner: Tie — each playing cards provide the identical redemption choices.
Associated: Must you switch your Capital One miles or redeem them immediately for journey?
Transferring miles with the Enterprise X vs. Enterprise X Enterprise
Each the Enterprise X and the Enterprise X Enterprise earn miles that you may switch to any of Capital One’s 15-plus resort and airline companions, together with Air Canada Aeroplan, Avianca LifeMiles and Wyndham Rewards.
TPG contributing editor Matt Moffitt likes to switch his Capital One miles to Selection Privileges, which affords engaging award charges for resort stays in costly Nordic international locations.
With the wide selection of choices obtainable, you will simply discover a switch that matches your journey preferences and objectives.
Winner: Tie — each playing cards have the identical switch choices.
Ought to I get the Enterprise X or the Enterprise X Enterprise?
Whereas the Enterprise X Enterprise affords a considerable variety of miles for its welcome bonus, the spending requirement can be unrealistic for lots of people. With a extra cheap spending requirement for its welcome provide and nice advantages, the Enterprise X can be a better option for many.
Backside line
The Enterprise X and Enterprise X Enterprise are virtually similar twins, with an annual journey credit score, complimentary airport lounge entry, anniversary bonus miles and the identical annual payment.
The Enterprise X provides in automotive rental elite standing, whereas the enterprise model has a a lot larger welcome bonus (with a considerable spending requirement), itemized spending stories and no preset spending restrict.
Whether or not you select the private or enterprise model, (Enterprise) X marks the spot for premium perks at an affordable annual payment.
For extra particulars, learn our full critiques of the Enterprise X and Enterprise X Enterprise.
Study extra: Enterprise X
Study extra: Enterprise X Enterprise
For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and will fluctuate 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 cellular app, eligible cardholders will stay at that standing degree via the period of the provide. Please notice, enrolling via the traditional 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.
