The Capital One Enterprise Rewards Credit score Card gives stable perks for a mid-tier $95 annual payment card.
In case you’ve determined it is time to apply for the Enterprise Rewards, you may need to evaluation the eligibility standards first, particularly should you’ve beforehand carried different Capital One playing cards.
This is every thing it’s worthwhile to know.
Capital One Enterprise Rewards particulars
Let’s study Enterprise Rewards’ choices, from its welcome bonus to its ongoing perks.
Present welcome bonus
New candidates can earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months from account opening.
TPG’s July 2025 valuations peg the overall worth of this bonus at $1,388. That is the customary welcome supply we usually see on this card.
There are two main methods to make the most of these miles. One choice is to redeem your Capital One miles for any travel-related bills in your assertion. This contains Uber or Lyft rides, tolls, parking charges, rental automobiles or future bookings by way of the Capital One Journey platform. This redemption methodology gives a flat fee of 1 cent per mile.
A extra advantageous different may contain transferring your miles to Capital One’s 15-plus switch companions. Most companions supply a simple switch ratio of 1:1. By shifting your miles to a extremely profitable companion, akin to Air Canada Aeroplan or Air France-KLM Flying Blue, you possibly can simply get important worth out of your miles.
The easiest way to get most worth out of your Capital One Journey credit score is to make use of it for a lodge keep, trip rental or automobile rental.
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Annual payment
The Enterprise Rewards has an annual payment of $95, which feels cheap given this card’s perks.
Incomes
The Enterprise Rewards presents an incomes fee that is easy but rewarding. You may earn:
This card is a good choice for individuals who do not need to take care of monitoring a number of bonus classes and as a substitute choose incomes a flat reward fee throughout most purchases.
Different advantages
Past the welcome bonus, listed here are the continued advantages of the Enterprise Rewards:
Are you eligible to use for the Capital One Enterprise Rewards card?
In case you’ve determined to use for the Enterprise Rewards, you could know the cardboard’s eligibility necessities earlier than making use of.
What credit score rating do I must get the Enterprise Rewards?
TPG recommends a minimal rating of 670 for approval for the Enterprise Rewards, though people with decrease scores have additionally been authorized.
Capital One particularly mentions that it is best to have wonderful credit score to qualify. Nonetheless, we have seen a number of studies of individuals getting authorized regardless of having a credit score rating under 670. So, it is in all probability price making use of even should you’re under that mark.
When you’ve got exceptionally low credit score or no credit score, it is best to attend and apply for a credit-building card as a substitute.
Capital One utility guidelines
You may solely get authorized for one Capital One card each six months, so house out your functions accordingly. In case you’re unsure why you bought denied for the Enterprise Rewards, this may very well be the rationale.
We have additionally seen studies from Reddit customers with many bank cards stating that they’ve struggled to get authorized for Enterprise playing cards regardless of in any other case being eligible. Whereas this is not a hard-and-fast rule, making use of for the Enterprise Rewards earlier in your bank card journey could also be a good suggestion.
What if I acquired a Enterprise Rewards welcome bonus previously?
These are the restrictions which can be particularly acknowledged within the Enterprise Rewards’ phrases and situations:
“Current or earlier cardmembers are usually not eligible for this product if they’ve acquired a brand new cardmember bonus for this product previously 48 months.”
What if I have already got the Enterprise X or VentureOne playing cards?
In case you carry one of many Enterprise Rewards’ sister playing cards (the Capital One Enterprise X Rewards Credit score Card and Capital One VentureOne Rewards Credit score Card), you’ll nonetheless be eligible to hold the Enterprise Rewards and get the cardboard’s welcome bonus.
The one caveat is that you will need to preserve an in depth eye on the timing of your functions.
Whereas there isn’t a overarching rule, Capital One does not all the time approve individuals who already maintain a Enterprise card, even when they meet all of the eligibility standards. TPG senior factors and miles author Ben Smithson was declined for the Enterprise Rewards whereas holding the Enterprise X.
Some anecdotal proof from TPGers means that the timing of your functions is crucial when figuring out whether or not you may be authorized for a second Enterprise card. If the Enterprise Rewards pursuits you, guarantee it has been not less than six months because you opened a unique Enterprise card.
Associated: Bank card showdown: Capital One Enterprise Rewards vs. Capital One Enterprise X
Backside line
The Enterprise Rewards gives terrific worth for all kinds of vacationers. Fortuitously, there are just a few restrictions relating to eligibility for the cardboard’s welcome bonus. So long as you time your functions rigorously and have a TPG-recommended credit score rating of not less than 670, this stable rewards card will possible be yours.
To be taught extra, learn our full evaluation of the Capital One Enterprise Rewards.
Study extra: Capital One Enterprise Rewards Credit score Card
For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
