Yearly, the TPG Awards honor excellence in bank cards, loyalty packages and journey. Please click on right here to learn extra about our winner choice course of and methodology for the 2024 TPG Awards.
Capital One Enterprise X Rewards Credit score Card overview
The Capital One Enterprise X Rewards Credit score Card is the issuer’s first foray into the world of premium journey rewards playing cards and knocks it out of the park. With an annual charge that undercuts the competitors and plentiful perks which can be simple to know, the cardboard is almost a no brainer for vacationers starting from luxurious seekers to the extra budget-minded. Chase and Amex, take discover. Card score*: ⭐⭐⭐⭐½
* Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Capital One Enterprise X exists within the premium area alongside playing cards like The Platinum Card® from American Categorical and Chase Sapphire Reserve® (see charges and costs). Like them, it has some severe journey perks, helpful assertion credit and lounge entry — however for a a lot decrease annual charge of $395 (see charges and costs).
The Enterprise X’s decrease annual charge, lounge entry and journey advantages that rival and even outclass the competitors are why it took dwelling the title of the Finest Premium Journey Card on the 2024 TPG Awards.
As Capital One continues opening its personal airport lounges, the case for the Enterprise X turns into even stronger. Along with the issuer’s first location at Dallas Fort Price Worldwide Airport, Capital One operates lounges in:
With the Enterprise X, you may get complimentary limitless entry to those in addition to entry to greater than 1,300 lounges worldwide with the expansive Capital One Accomplice Lounge Community for you and two visitors. You will have glorious credit score for this card, so TPG recommends a credit score rating of 740 or greater.
If Dallas, Fort Price, Dulles, Denver, Reagan or Vegas are your private home airports, this can be all you must know to make your choice. However if you’re nonetheless debating whether or not the Enterprise X is for you, right here is all the pieces you must know earlier than clicking that “apply” button.
Capital One Enterprise X professionals and cons
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Capital One Enterprise X welcome supply
New Enterprise X cardholders can earn 75,000 bonus miles after spending $4,000 on purchases within the first three months after opening an account. This is not the very best welcome supply now we have seen, but it surely meets our standards for when to use.
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Based on TPG’s April 2025 valuations, 75,000 Capital One miles are price $1,388, due to the outsize worth you will get from transferring Capital One miles to this system’s airline and resort companions.
And in case you do not wish to navigate the complexities of transferable miles, you’ll be able to use your Capital One Miles straight for journey at a charge of 1 cent per mile — making this welcome bonus price $750.
Capital One Enterprise X advantages
Whereas decrease than its premium opponents, Enterprise X does carry a $395 annual charge (see charges and costs). Which may initially look like a deterrent, however the card’s perks can offset the yearly value with minimal effort:
- Annual credit score: Get $300 in credit yearly for bookings made via Capital One Journey
- Anniversary bonus: 10,000 bonus miles each account anniversary, beginning in your first anniversary (price $185 towards journey in keeping with TPG’s April 2025 valuations)
- Lounge entry: Complimentary entry for cardholders and as much as two visitors per go to to Capital One Lounges and lounges in Capital One’s associate community
- Extra cardholders: Add quite a lot of extra cardholders at no cost (see charges and costs); they’ll get pleasure from choose advantages, and you’ll earn rewards on each greenback they spend
- Auto rental collision injury waiver: Get monetary savings by saying no on the counter – lease together with your lined Visa Infinite card and get built-in Auto Rental Protection.
- Cellphone safety: Through the use of the cardboard to pay your month-to-month wi-fi invoice, your cellphone is protected for the following calendar month.
- Prolonged guarantee safety: Prolong your qualifying product warranties mechanically once you buy utilizing your Enterprise X card.
- International Entry or TSA PreCheck: Cardholders can obtain a press release credit score for his or her TSA PreCheck or International Entry utility charge.
- Journey cancellation and interruption
- Return safety
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 inns and automotive leases booked through Capital One Journey
- 5 miles per greenback on trip leases and flights booked through Capital One Journey
- 2 miles per greenback on all 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 means, the Enterprise X represents the perfect of each worlds — excessive incomes potential on journey purchases, particularly, however a strong on a regular basis incomes charge that is simple to maintain monitor of.
Associated: Why the Enterprise X is a mainstay in my pockets
Redeeming miles on the Capital One Enterprise X
Once 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 may wish to make the most of the choice to switch them to Capital One’s 15-plus resort and airline journey companions.
Nevertheless, in case you desire a less complicated redemption technique, Capital One affords a number of different redemption choices to your miles. These embrace redeeming miles for journey via Capital One Journey, reward playing cards and Amazon.com purchases.
Notice that these fixed-value choices will yield nicely under TPG’s April 2025 valuation of 1.85 cents per level.
If you wish to redeem your rewards for money again, you may be significantly better off with the Capital One Savor Money Rewards Credit score Card.
Associated: Do you have to switch Capital One miles to companions or redeem them straight 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 15-plus resort and airline companions, together with helpful choices like Air Canada Aeroplan and Selection Privileges.
For example, TPG contributing editor Matt Moffitt loves the choice to switch his miles to Avianca LifeMiles for premium-cabin redemptions on United to Sydney and the flexibility to switch them to British Airways Govt Membership for nonstop home flights on American Airways.
Irrespective of your journey preferences, you can discover some glorious 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?
With a $395 annual charge (see charges and costs), the Enterprise X falls inside the premium journey playing cards class. You may desire a distinct premium card choice in case you’re in search of completely different perks, equivalent to extra expansive lounge entry or extra versatile journey credit. And in case you aren’t able to fork over a premium annual charge, you will get among the similar perks with Capital One’s mid-tier journey card.
For added choices, try our listing of the perfect journey playing cards.
*Notice that elevated incomes on Sapphire Reserve journey purchases will happen after the primary $300 is spent on journey yearly.
Learn extra: One of the best premium bank cards: A side-by-side comparability
Backside line
With easy rewards, spectacular lounge entry advantages and general strong worth, the Enterprise X has mass enchantment, particularly for these looking for a premium journey rewards card.
As well as, there are a variety of under-the-radar perks on the cardboard, together with Visa Infinite advantages with an intensive listing of journey, baggage, automotive rental and buy protections. Add in a rising community of airport lounges, no-fee extra cardholders (see charges and costs), Capital One’s sturdy switch companions and a luxurious resort program, and you’ve got a card that’s practically a no brainer.
Study extra: Capital One Enterprise X
Associated: 10 bank cards that may get you $1,000 or extra in first-year worth
For charges and costs of the Amex Platinum Card, click on right here.
For Capital One merchandise listed on this web page, among the advantages could also be offered by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
