Here is what to do while you get the Capital One Enterprise X

We love bank cards that include an array of perks — particularly once they can outweigh the cardboard’s annual payment. Maximizing advantages on a bank card can imply the financial institution is basically paying you to maintain the cardboard 12 months after 12 months. Nonetheless, not utilizing the perks means you are doubtlessly paying a payment for no motive.

This undoubtedly applies to the Capital One Enterprise X Rewards Credit score Card. The cardboard has a ton of perks, and you may wish to use as lots of them as attainable to justify the $395 annual payment.

The Enterprise X card additionally presents a 75,000-mile welcome bonus for many who spend $4,000 on purchases within the first three months of account membership. In line with TPG’s January 2025 valuations, that bonus is value $1,388.

In the event you not too long ago acquired the Enterprise X bank card, listed here are the issues it’s best to do to unlock its full worth.

Associated: Is the Capital One Enterprise X well worth the $395 annual payment?

Register for lounge entry

You get limitless entry to Capital One lounges in case you have the Enterprise X. This additionally applies to your approved customers on the cardboard, together with complimentary entry for as much as two friends per go to (kids aged two and underneath are free). Further friends are $45 every.

To realize entry, simply present your boarding move and Enterprise X card.

Nonetheless, the overwhelming majority of lounges that Enterprise X cardholders can entry additionally include a Precedence Move Choose membership. After enrolling and receiving your membership card, you and your friends can entry over 1,300 lounges in airports worldwide.

To enroll, go to this enrollment web page and enter your 16-digit Enterprise X account quantity. Then, comply with the prompts to finish your registration.

Alternatively, you’ll be able to entry this web page by logging in to your Capital One account, navigating to the advantages part, and clicking the Precedence Move icon.

Licensed customers in your card additionally get Precedence Move membership, which leads us to the following level.

Associated: An entire information to Capital One’s airport lounges

Add free approved customers

You’ll be able to add as much as 4 approved customers to your Enterprise X account for no extra price. You may be liable for something they cost to their playing cards, however all of the miles earned from their purchases will go into your rewards stability.

The actual profit right here is sharing a few of your finest advantages with approved customers. Licensed customers obtain entry to Capital One lounges and a Precedence Move membership of their very own — with the identical visitor entry coverage because the cardholder. The perfect half is that there is not any price so as to add as much as 4 approved customers to your card.

Associated: The bank cards with the best worth for approved customers

Apply for World Entry or TSA PreCheck

Nobody likes ready in line at airport safety. Fortunately, there is a method to pace up the method, and the Enterprise X may help you get it at no cost.

World Entry and TSA PreCheck are applications designed to assist pre-screened passengers get by way of safety checkpoints extra rapidly. World Entry purposes price $120, whereas TSA PreCheck purposes price as much as $85. Each is legitimate for 5 years.

As soon as each 4 years, Capital One will reimburse Enterprise X cardholders as much as $120 as assertion credit towards software charges for these applications. This credit score is as soon as per account, that means approved customers don’t get their very own payment reimbursement.

If you are going to select between one in all these applications, I like to recommend World Entry as a result of it consists of TSA PreCheck advantages and expedited screening when returning to the U.S. from one other nation.

Associated: Issues to find out about World Entry

Change your cost technique in your cellphone invoice

How a lot did you spend to purchase your cellphone? For many of us, that reply is within the vary of a whole lot of {dollars} — although some top-of-the-line fashions can exceed $1,000. In brief, telephones aren’t low-cost. And the price of changing them after harm or theft will be painful.

In the event you pay your month-to-month cellphone invoice together with your Enterprise X card, you are routinely coated towards harm and theft. This is applicable to each cellphone line listed on the invoice, and protection will kick in for the following calendar month after your cost.

Be aware that there are some limitations to this protection:

• You’ll be able to file a most of two claims each 12 months.
• The utmost protection is $800 per declare.
• There’s a $50 deductible on every declare.
• Protection is supplemental, that means you could first exhaust every other relevant insurance policies (like renters insurance coverage, for instance).

In case your declare is expounded to the theft of your cellphone, you could file a police report inside 48 hours to be eligible for protection out of your Enterprise X card.

Associated: Hyperlink a bank card with cellphone safety to your cellular invoice

Activate rental automobile elite standing

Enterprise X cardholders — together with approved customers — obtain complimentary Hertz President’s Circle standing*. That is the highest tier in Hertz’s Gold Plus Rewards program.

You’ll be able to count on advantages like complimentary upgrades, a wide array of automobiles from which to decide on within the car parking zone, a free second driver and the power to skip the road. Reasonably than ready in line inside to signal kinds and get the keys, simply head straight to the car parking zone, get in your reserved automobile and drive off.

We should always spotlight three nice components of this perk.

First, it additionally applies to your approved customers. Second, because of standing matching, you need to use your Hertz standing to achieve standing with different corporations.

Lastly, and most significantly, you’ll be able to truly stack this perk with the cardboard’s enhanced incomes charges on automobile leases and the annual $300 journey credit score for purchases by way of the Capital One Journey portal.

* Upon enrollment, accessible by way of the Capital One web site or cellular app, eligible cardholders will stay at that standing degree by way of the period of the supply. Please be aware, enrolling by way of the conventional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) won’t routinely detect a cardholder as being eligible for this system and cardholders won’t be routinely upgraded to the relevant standing tier. Further phrases apply.

Since your Enterprise X card supplies major rental automobile insurance coverage, it is a nice card to make use of for leases. Cardholders can rise up to $75,000 in protection for harm brought on by collision or theft to a rental automobile. This protection is accessible with out the necessity to purchase insurance coverage from the rental firm. The automobile rental insurance coverage profit is a Visa Infinite card characteristic.

Associated: The whole information to automobile rental elite standing matches

Switch your miles to a journey companion

To actually maximize the Enterprise X, take into account leveraging Capital One’s switch program. Presently, Capital One presents 15-plus airline and lodge switch companions, with most changing at a 1:1 ratio.

Capital One’s rewards program competes with American Categorical Membership Rewards and Chase Final Rewards.

By using switch companions, you’ll be able to maximize the worth of your miles by greater than 1.85 cents per mile, in response to TPG’s January 2025 valuations.

For instance, you can switch your Capital One miles to Air Canada Aeroplan. Then, you can fly to the Center East with an prolonged stopover in Europe because of Aeroplan’s beneficiant stopover coverage, providing you with two journeys in a single.

Associated: Why transferable factors and miles are value greater than different rewards

Backside line

The quite a few perks of the Capital One Enterprise X Rewards Credit score Card can appear daunting. Reasonably than leaving you questioning the place to get began, we have compiled an inventory of six issues it’s best to do while you obtain your card. This could provide you with a jump-start on maximizing your advantages and offsetting the cardboard’s price ticket.

The present welcome bonus is effective, in order that’s a serious incentive to open the cardboard. Nonetheless, should you can make the most of nearly all of perks and advantages provided by the Enterprise X, it ought to maintain incomes a spot in your pockets 12 months after 12 months.

For extra particulars, learn our full evaluation of the Enterprise X.

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Study extra: Capital One Enterprise X Rewards Credit score Card

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For Capital One merchandise listed on this web page, among the above advantages are offered by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.