Enterprise X Enterprise vs. Amex Enterprise Platinum: Which enterprise card is best for you?

Small-business homeowners searching for a enterprise card have loads of nice choices to select from. However in the event you’re in search of a enterprise card that gives premium perks, you would possibly wish to contemplate two high choices: the Capital One Enterprise X Enterprise and The Enterprise Platinum Card® from American Specific.

Each playing cards earn their very own respective transferable foreign money that enterprise homeowners can use to e-book journey. The Enterprise X Enterprise earns Capital One miles, whereas the Enterprise Platinum earns Membership Rewards factors.

The Enterprise X Enterprise has a $395 annual price, and the Enterprise Platinum has a $695 annual price (see charges and costs).

At first look, you might assume the Enterprise Platinum is the superior card because it has nearly double the annual price, however the Enterprise X Enterprise carries its weight and even beats the Enterprise Platinum in some classes.

Let’s dive into which premium enterprise card is correct to your pockets.

Enterprise X Enterprise vs. Amex Enterprise Platinum comparability

*Eligibility and profit degree varies by card. Not all car varieties or leases are coated, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable via American Specific Journey Associated Providers Firm, Inc.

**Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If authorized and coordinated by Premium International Help Hotline, emergency medical transportation help could also be offered for gratis. In every other circumstance, cardmembers are chargeable for the prices charged by third-party service suppliers.

***Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.

****Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.

^Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars.

Enterprise X Enterprise vs. Amex Enterprise Platinum welcome supply

For a restricted time, new candidates for the Enterprise X Enterprise can earn a tiered welcome supply: Earn 150,000 bonus miles after spending $30,000 within the first three months from account opening and an extra 200,000 miles after spending $200,000 within the first six months.

TPG’s Might 2025 valuations peg Capital One miles at 1.85 cents apiece, making this welcome supply price as much as $6,475. To totally earn the welcome bonus, it will require a whopping common month-to-month spend of $33,334.

For a restricted time, new cardmembers for the Amex Enterprise Platinum can earn 150,000 factors after spending $20,000 on purchases throughout the first three months of card membership. Plus, they will earn a $500 assertion credit score after spending $2,500 on qualifying flights booked immediately with airways or via American Specific Journey within the first three months of card membership. You’ll be able to earn one or each of those gives, which finish June 30.

TPG’s Might 2025 valuations peg Membership Rewards factors at 2 cents apiece, making this supply price as much as $3,500.

Winner: If your corporation can afford the spending requirement, the Enterprise X Enterprise. Its welcome supply is sort of double the worth of the Amex Enterprise Platinum’s. If your corporation would not spend sufficient to earn the Enterprise X Enterprise’ welcome supply, the Amex Enterprise Platinum continues to be a winner.

Associated: Greatest welcome gives of the month

Enterprise X Enterprise vs. Amex Enterprise Platinum advantages

The advantages of those playing cards are the place they actually shine.

Shared advantages

Each playing cards have an identical standout profit in lounge entry. With the Enterprise X Enterprise, you could have entry to Capital One’s rising community of lounges (4 lounges and one Capital One Touchdown). Plus, you may obtain a complimentary Precedence Go membership. The first cardholder can usher in two visitors for no further cost.

With the Amex Enterprise Platinum, you may have entry to the International Lounge Assortment, which incorporates entry to Centurion Lounges, Delta Sky Golf equipment*****, Escape lounges, Plaza Premium lounges and choose Lufthansa lounges. You may additionally obtain a Precedence Go Choose membership. Visitor entry varies by lounge, with some requiring a price for visitors and a few not.

*****Eligible Platinum Card members will obtain 10 visits per eligible Platinum Card, per 12 months to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight.

Each playing cards additionally present:

Enterprise X Enterprise advantages

With the Enterprise X Enterprise, cardholders obtain:

Amex Enterprise Platinum advantages

The Enterprise X Enterprise offers cardmembers main rental automotive insurance coverage, whereas the Enterprise Platinum offers secondary protection for no further cost*. You’ll be able to go for the premium automotive rental safety for a price to get main protection.

With the Amex Enterprise Platinum Card, members additionally obtain:

• As much as $200 assertion credit score for airline charges (together with incidental costs) per calendar 12 months
• As much as $199 assertion credit score per calendar 12 months for a Clear Plus membership (topic to auto-renewal)
• As much as $200 annual Hilton assertion credit score (as much as $50 per quarter)
• As much as $400 in assertion credit per calendar 12 months for U.S. Dell purchases (as much as $200 to make use of January via June and as much as $200 to make use of July via December)^^
• As much as $150 in assertion credit per calendar 12 months for eligible Adobe purchases (applies solely to pay as you go plans with Inventive Cloud or Acrobat Professional DC with e-sign for groups, topic to auto-renewal)^^
• As much as $360 every calendar 12 months in Certainly assertion credit (as much as $90 per quarter)
• As much as $120 every calendar 12 months (as much as $10 month-to-month) in assertion credit for spending on wi-fi plans with U.S. suppliers
• Marriott Bonvoy and Hilton Honors Gold standing
• Rental automotive elite standing
• 35% airline bonus when redeeming with Membership Rewards factors by way of Amex Journey (obtain as much as 1 million factors again every calendar 12 months)
• Some advantages require enrollment

^^Advantages set to alter July 1.

The Amex Enterprise Platinum comes with considerably extra assertion credit, however not all enterprise homeowners might be able to use them, as some are fairly area of interest. I take advantage of the Dell credit score for any of my enterprise tech wants, equivalent to storage and screens, and the Adobe credit score on a Inventive Cloud subscription.

Moreover, the Amex airline credit score permits extra flexibility, however needless to say it is restricted to only one eligible airline every calendar 12 months. In the meantime, the Enterprise X Enterprise’ journey credit score needs to be redeemed via Capital One Journey.

With the Enterprise Platinum, you may additionally obtain automated lodge and rental automotive elite standing and as much as $199 every calendar 12 months towards a Clear Plus membership, which may pace up airport safety. Lastly, the Enterprise Platinum has baggage delay insurance coverage***, which is not out there on the Enterprise X Enterprise.

Winner: Amex Enterprise Platinum, because it gives quite a few assertion credit, automated elite standing and unparalleled lounge entry. The Enterprise X Enterprise, nevertheless, has one easy credit score that may cowl nearly all of its annual price.

Associated: Is the Enterprise X Enterprise well worth the $395 annual price?

Incomes rewards on the Enterprise X Enterprise vs. Amex Enterprise Platinum

Each playing cards supply bonus earnings for journey booked via their respective journey portals. The Amex Enterprise Platinum gives an extra incomes class past that, whereas the Enterprise X Enterprise earns extra rewards per greenback on on a regular basis spending.

The Enterprise X Enterprise earns:

• 10 miles per greenback spent on inns and rental vehicles booked via Capital One Journey
• 5 miles per greenback spent on flights and trip leases booked via Capital One Journey
• 2 miles per greenback spent on each different buy

In the meantime, the Amex Enterprise Platinum earns:

• 5 factors per greenback spent on flights and pay as you go inns booked with Amex Journey
• 1.5 factors per greenback spent on purchases of $5,000 or extra and in choose enterprise classes within the U.S. — building materials and {hardware} suppliers, electronics items retailers, software program and cloud system suppliers and transport suppliers — on as much as $2 million of purchases in a calendar 12 months, then 1 level per greenback
• 1 level per greenback spent on different purchases

The Enterprise X Enterprise will earn extra rewards on most purchases and has double the incomes charge on pay as you go inns booked via its respective journey portal.

Winner: Enterprise X Enterprise, because it earns no less than 2 miles per greenback spent on all purchases, whatever the quantity or bonus class.

Associated: Methods to maximize your incomes with the Amex Enterprise Platinum

Redeeming rewards on the Enterprise X Enterprise vs. Amex Enterprise Platinum

Each playing cards supply comparable methods to redeem their rewards, together with for an announcement credit score, present playing cards or to cowl purchases. Nevertheless, with any of those redemption strategies on both card, you’ll get a price under TPG’s Might 2025 valuation of both foreign money.

Transferring factors or miles to companions is one of the simplest ways to redeem them for max worth.

With the Enterprise X Enterprise, you’ll be able to redeem miles at 1 cent apiece to cowl journey purchases or e-book new journey via Capital One Journey.

With the Amex Enterprise Platinum Card, members can redeem factors at 1 cent per level for flights booked via Amex Journey and inns reserved by way of Amex High-quality Lodges + Resorts. All different journey booked via Amex Journey is redeemed at 0.7 cents per level.

Cardmembers even have entry to a Pay with Factors bonus. When you e-book an eligible business- or first-class flight on any airline or economic system flights (solely with one designated airline) with factors via Amex Journey, you’ll get 35% of the factors again (as much as 1 million factors per calendar 12 months).

I used this as soon as just a few years in the past to e-book a business-class flight from Europe to Asia for lower than 50,000 factors.

Winner: Tie. With the Enterprise X Enterprise, you’ll be able to redeem miles for all journey purchases at 1 cent apiece. Nevertheless, the Amex Enterprise Platinum allows you to obtain 35% of your factors again in the event you e-book an eligible flight via Amex Journey (as much as 1 million factors per calendar 12 months).

Associated: Cashing in Capital One miles? Methods to get the utmost worth when redeeming miles

Transferring rewards on the Enterprise X Enterprise vs. Amex Enterprise Platinum

Each playing cards earn rewards that may be transferred to quite a few switch companions to obtain most worth.

With the Enterprise X Enterprise, you’ll be able to switch miles to certainly one of Capital One’s 15-plus switch companions, together with Air Canada or JetBlue. Most companions switch at a 1:1 ratio.

Ben Smithson, TPG’s senior factors and miles author, lately transferred 77,000 Capital One miles to Air France-KLM Flying Blue to e-book his husband a business-class ticket on board Air France’s latest business-class product on the Airbus A350-900 from Incheon Worldwide Airport (ICN) in Seoul, South Korea, to London’s Heathrow Airport (LHR) after which on to Paris-Charles de Gaulle Airport (CDG).

With the Amex Enterprise Platinum, you’ll be able to switch factors to certainly one of Amex’s 21 airline and lodge companions, together with Delta or Hilton. Most companions switch at a 1:1 ratio.

I sometimes switch my Amex Membership Rewards factors to Delta to make the most of the provider’s frequent award flash gross sales. I lately noticed certainly one of these gross sales, which included round-trip flights from the West Coast to Tokyo for simply 34,000 SkyMiles.

Moreover, each playing cards have companions in all three main alliances: Oneworld, SkyTeam and Star Alliance. As such, you need to use any of them to e-book home flights.

Winner: Amex Enterprise Platinum, because it gives extra switch companions than the Enterprise X Enterprise.

Ought to I get the Enterprise X Enterprise or the Amex Enterprise Platinum?

If you wish to get lounge entry and earn no less than 2 miles per greenback spent on all purchases or are in search of a decrease annual price, you must go for the Enterprise X Enterprise. If you’d like extra in depth lounge entry, automated elite standing and may use most or all of its assertion credit, you must go for the Amex Enterprise Platinum.

Associated: 7 causes you may want the Amex Enterprise Platinum Card as an alternative of the Amex Platinum Card

Backside line

The Enterprise X Enterprise and the Amex Enterprise Platinum are wonderful enterprise rewards playing cards. Whereas the Amex Enterprise Platinum has extra advantages and assertion credit, the Enterprise X Enterprise is a superb possibility with a a lot decrease annual price.

Both or each playing cards might be nice additions for your corporation, as each present premium perks and lounge entry. With each playing cards’ welcome bonuses, you might have a wholesome stash of rewards for your corporation.

To be taught extra, learn our full critiques of the Capital One Enterprise X Enterprise and the Amex Enterprise Platinum.

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Apply right here: The Enterprise Platinum Card from American Specific
Study extra: Capital One Enterprise X Enterprise

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For Capital One merchandise listed on this web page, a few of the advantages could also be offered by Visa® or Mastercard® and should range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

For charges and costs of the Amex Enterprise Platinum, click on right here.