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 are straightforward to know, the cardboard is almost a no brainer for vacationers starting from luxurious seekers to the extra budget-minded. Card ranking*: ⭐⭐⭐⭐½
* Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Capital One Enterprise X is a premium rewards card with critical journey perks, useful assertion credit and lounge entry — however for a extra budget-friendly annual charge than its opponents, $395 (see charges and costs).
The Enterprise X’s decrease annual charge, lounge entry and journey advantages that rival and even outclass its competitors are why it took residence the title of the Finest Premium Journey Card on the 2024 TPG Awards.
You will want glorious credit score for this card, so TPG recommends a credit score rating of 740 or increased.
In case you are debating whether or not the Enterprise X is for you, right here is the whole lot it’s essential to 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 best welcome supply we now have seen, but it surely meets our standards for when to use.
In keeping with TPG’s August 2025 valuations, 75,000 Capital One miles are price $1,388, because of the outsize worth you may get from transferring Capital One miles to this system’s airline and lodge companions.
And if you happen to do not need to navigate the complexities of transferable miles, you may use your Capital One miles straight for journey at a charge of 1 cent per mile, making this welcome bonus price $750.
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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 appear to be a deterrent, however the card’s perks can offset the yearly price with minimal effort:
- Annual credit score: Get $300 in credit yearly for bookings made by means of Capital One Journey
- Anniversary bonus: 10,000 bonus miles each account anniversary, beginning in your first anniversary (price $185 towards journey based on TPG’s August 2025 valuations)
- Lounge entry: Complimentary entry for cardholders per go to to Capital One Lounges and Precedence Move™ lounges (after enrollment)
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 (DFW), Capital One operates lounges in:
With the Enterprise X, you will get complimentary limitless entry to those in addition to entry to greater than 1,300 lounges worldwide with Precedence Move (enrollment required).
- Auto rental collision injury waiver: Lower your expenses by saying no on the counter — hire along with your lined Visa Infinite card and get built-in auto rental protection.
- Cellphone safety: By utilizing the cardboard to pay your month-to-month wi-fi invoice, your cellphone is protected for the subsequent calendar month.
- Prolonged guarantee safety: Lengthen your qualifying product warranties mechanically whenever you buy utilizing your Enterprise X card.
- World Entry or TSA PreCheck: Cardholders can obtain a press release credit score for his or her TSA PreCheck® or World Entry software charge.
- Journey cancellation and interruption
- Return safety
Associated: Is the Enterprise X well 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 spent on lodges and automobile leases booked through Capital One Journey
- 5 miles per greenback spent on trip leases and flights booked through Capital One Journey
- 2 miles per greenback spent 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 one of the best of each worlds — excessive incomes potential on journey purchases, particularly, however a stable on a regular basis incomes charge that is straightforward to maintain observe of.
Associated: Why the Enterprise X is a mainstay in my pockets
Redeeming miles on the Capital One Enterprise X
While you’re able to redeem your Capital One miles, you might have a number of choices. If you wish to get essentially the most worth out of your miles, you will need to make the most of the choice to switch them to Capital One’s 15-plus lodge and airline journey companions.
Nonetheless, if you happen to want a less complicated redemption technique, Capital One presents a number of different redemption choices in your miles. These embody redeeming miles for journey by means of Capital One Journey, present playing cards and Amazon.com purchases.
Be aware that these fixed-value choices will yield properly beneath TPG’s August 2025 valuation of 1.85 cents per level.
If you wish to redeem your rewards for money again, you will 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 lodge and airline companions, together with useful 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 power to switch them to British Airways Membership for nonstop home flights on American Airways.
Irrespective of your journey preferences, you’ll discover some glorious worth in Capital One’s switch companions.
Associated: Your final information to Capital One’s airline and lodge 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 throughout the premium journey playing cards class. You may want a distinct premium card possibility if you happen to’re searching for completely different perks, corresponding to extra expansive lounge entry or extra versatile journey credit. And if you happen to aren’t able to fork over a premium annual charge, you may get a number of the identical perks with Capital One’s mid-tier journey card.
For extra choices, try our listing of one of the best journey playing cards.
*Be aware that elevated incomes on Sapphire Reserve journey purchases will happen after the primary $300 is spent on purchases that code as journey, yearly.
Associated: 10 bank cards that may get you $1,000 or extra in first-year worth
Backside line
With easy rewards, spectacular lounge entry advantages and general stable worth, the Enterprise X has mass enchantment, particularly for these trying to find a premium journey rewards card.
As well as, there are quite a lot of under-the-radar perks on the cardboard, together with Visa Infinite advantages with an intensive listing of journey, baggage, automobile rental and buy protections. Add in a rising community of airport lounges, Capital One’s strong switch companions and a luxurious lodge program, and you’ve got a card that’s practically a no brainer.
Study extra: Capital One Enterprise X
For charges and costs of the Amex Platinum Card, click on right here.
For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
