The Capital One Enterprise Rewards Credit score Card gives nice worth to occasional vacationers who need to maximize the miles they earn. This card incorporates a $95 annual charge and earns a minimum of 2 miles per greenback on all purchases.
Its flashier sibling, the $395-annual-fee Capital One Enterprise X Rewards Credit score Card, provides an enhanced journey expertise to compete with different premium merchandise like The Platinum Card® from American Specific and the Chase Sapphire Reserve® (see charges and costs).
If you happen to do not carry both card — the Enterprise Rewards or the Enterprise X — you could marvel: Must you apply for the well-established, crowd-pleasing Enterprise Rewards or go premium with the luxe Enterprise X?
Let’s look at each playing cards that will help you determine which Capital One card is your only option.
Capital One Enterprise Rewards vs. Capital One Enterprise X comparability
| Card | Capital One Enterprise Rewards | Capital One Enterprise X |
|---|---|---|
| Annual charge | $95 | $395 |
| Welcome provide | 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 |
|
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| Different advantages |
|
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| International transaction charges | None | None |
Capital One Enterprise Rewards vs. Capital One Enterprise X welcome provide
The Enterprise Rewards and Enterprise X have the identical welcome provide: New cardholders can earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.
Each provides are value $1,388 primarily based on TPG’s August 2025 valuations, so you may get stable worth from the bonus irrespective of which card you select.
Winner: Tie. Each playing cards present the identical welcome provide.
Associated: How one can redeem Capital One’s 75,000 bonus miles welcome provide for max worth
Capital One Enterprise Rewards vs. Capital One Enterprise X advantages
With the Enterprise Rewards, you may stand up to a $120 credit score for TSA PreCheck or International Entry, in addition to rental automotive and journey accident insurance coverage, prolonged guarantee safety and entry to Capital One’s Life-style Assortment of accommodations and Capital One Leisure.
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Conversely, the Enterprise X has a stronger checklist of advantages that greater than justify its increased annual charge should you can maximize them.
As a cardholder, you may get a $300 annual credit score for bookings made via Capital One Journey.
Presently, Enterprise X cardholders and their licensed customers get complimentary entry to Capital One lounges and may convey two friends at no cost. Beginning Feb. 1, 2026, you may must spend $75,000 in a calendar 12 months to maintain free visitor entry; in any other case, adults will price $45 every, youngsters 17 and below $25, and kids below 2 stay free.
With the Enterprise X, you may additionally get a Precedence Move lounge membership to over 1,700 areas worldwide. Visitors can once more be a part of at no further price till Jan. 31, 2026, after which you may need to pay $35 per visitor.
A further advantage of Enterprise X is you could add a restricted variety of licensed customers for no further charge. Nonetheless, beginning Feb. 1, 2026, in order for you your licensed person to have lounge entry, you may need to pay $125 for the privilege.
You will additionally obtain 10,000 bonus miles, value $185 in accordance with TPG’s August 2025 valuations, at every cardholder anniversary, together with entry to Capital One’s Life-style Assortment and the posh Premier Assortment of accommodations, journey protections, prolonged guarantee safety and cellphone safety.
Winner: Enterprise X. Because the extra premium card providing, it has a way more strong checklist of advantages than the Enterprise Rewards.
Associated: Is the Capital One Enterprise X definitely worth the $395 annual charge?
Incomes miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
Each the Enterprise Rewards and the Enterprise X earn bonus miles on journey booked via Capital One Journey and a couple of miles per greenback spent on all different purchases. Each playing cards additionally earn 5 miles per greenback spent on Capital One Leisure purchases (via Dec. 31, 2025).
With the Enterprise Rewards, you may earn 5 miles per greenback spent on accommodations, trip leases and rental automobiles booked via Capital One Journey. Nonetheless, when you have the Enterprise X, you may earn 10 miles per greenback spent on accommodations and rental automobiles booked via Capital One Journey and 5 miles per greenback spent on flights and trip leases booked via the identical portal.
Winner: Enterprise X. It earns double the miles because the Enterprise Rewards on accommodations and rental automobiles booked via Capital One Journey. The Enterprise X additionally earns bonus miles on flights booked via Capital One Journey, whereas the Enterprise Rewards doesn’t.
Associated: 7 varieties of purchases it is best to make along with your Capital One Enterprise Rewards card
Redeeming miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
Each the Enterprise Rewards and the Enterprise X earn Capital One miles and provide the identical redemption choices.
You will get essentially the most worth by transferring your miles to certainly one of Capital One’s 15-plus switch companions, however you may as well redeem them for a assertion credit score to cowl journey purchases or reward playing cards at a flat price of 1 cent per mile.
Each playing cards let you redeem your miles for money again, however you may get a a lot decrease price of 0.5 cents per mile, so we advocate avoiding this selection each time potential.
Winner: Tie. Each playing cards provide the identical choices to redeem your miles.
Associated: Must you switch Capital One miles to companions or redeem instantly for journey?
Transferring miles with the Capital One Enterprise Rewards vs. Capital One Enterprise X
Among the best issues about each the Enterprise Rewards and the Enterprise X is that they let you switch your miles to certainly one of Capital One’s 15-plus resort and airline companions, together with invaluable choices like Air France-KLM Flying Blue, British Airways Membership and Turkish Airways Miles&Smiles.
And should you can benefit from a welcome bonus, you may get much more worth out of your miles. As an example, TPG senior factors and miles author Ben Smithson will get stable worth from his miles by transferring them to Air Canada Aeroplan and Flying Blue.
Winner: Tie. Each the Enterprise Rewards and Enterprise X switch to the identical companions on the identical charges.
Associated: Cashing in Capital One miles? How one can get the utmost worth when redeeming miles
Ought to I get the Capital One Enterprise Rewards or Capital One Enterprise X?
If you happen to’re targeted on preserving your annual charge prices low, go along with the Enterprise Rewards. You will get a robust incomes price, the power to benefit from Capital One’s switch companions and a few journey advantages for only a $95 annual charge. Nonetheless, in order for you airport lounge entry and may maximize its $300 annual credit score, the Enterprise X is the higher selection.
Associated: Who ought to (and should not) get the Capital One Enterprise X card?
How one can improve from the Capital One Enterprise Rewards to the Capital One Enterprise X
If you have already got Enterprise Rewards and need to improve to Enterprise X, you’ll be able to name the quantity on the again of your card and request a product change. You will not be capable to benefit from your new card’s welcome provide, but it surely’s a great way to get extra advantages with out worrying about eligibility.
It’s also possible to downgrade from the Enterprise X to the Enterprise Rewards via the identical methodology.
Associated: How Enterprise X saved me over $6,000 on a summer time journey to France
Backside line
Each the Enterprise Rewards and the Enterprise X are glorious journey rewards playing cards that earn bonus miles on Capital One Journey purchases and a minimum of 2 miles per greenback on all different purchases.
The Enterprise X is a superb card for individuals who can benefit from its airport lounge entry and annual journey credit score, whereas the Enterprise Rewards is a greater match for anybody trying to hold their annual charge prices low. No matter which card you select, you may get stable journey advantages and earn invaluable transferable rewards.
To be taught extra, learn our full opinions of the Enterprise Rewards and Enterprise X.
Be taught extra: Capital One Enterprise Rewards
Be taught extra: Capital One Enterprise X
For Capital One merchandise listed on this web page, a number of the advantages could also be offered by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
