The Capital One Enterprise X Rewards Credit score Card shook up the premium rewards bank card market when it launched in November 2021, giving legacy playing cards like The Platinum Card® from American Categorical and the Chase Sapphire Reserve® a run for his or her cash.
Whereas the Enterprise X’s $395 annual payment continues to be one thing to contemplate, it is a lot decrease than what Capital One’s rivals cost. Not solely are the cardboard’s perks aggressive, however many even lengthen to approved customers — and cardholders can add as much as 4 approved customers at no further price.
Let’s evaluation the total suite of advantages that further customers of the Enterprise X card will take pleasure in. Specifically, we’ll spotlight the rising variety of lounges you and your touring companions can all go to collectively with none further out-of-pocket price.
Enterprise X overview
Earlier than we dig in, let’s evaluation the small print of the Enterprise X card.
Enterprise X cardholders obtain:
- Signal-up bonus: Earn 75,000 bonus Capital One miles after spending $4,000 on purchases within the first three months from account opening.
- Incomes charges: Earn 10 miles per greenback spent on inns and rental vehicles booked via Capital One Journey, 5 miles per greenback spent on flights and trip leases booked via Capital One Journey and a pair of miles per greenback spent on all different purchases.
- Annual credit score: Obtain a $300 credit score yearly while you e-book journey together with your Enterprise X via Capital One Journey.
- Anniversary bonus: Earn 10,000 bonus miles each account anniversary.
- Capital One Lounge entry: Get limitless entry to Capital One Lounges for you and two visitors (every visitor after that may price $45).
- Precedence Go membership: Take pleasure in entry to greater than 1,300 Precedence Go lounges worldwide for you and as much as two visitors touring with you.
- Plaza Premium lounge entry (ending March 1, 2025)
- International Entry or TSA PreCheck reimbursement: Obtain as much as a $120 assertion credit score each 4 years for both trusted traveler program.
- No overseas transaction charges
- $395 annual payment
Associated: 6 issues to do while you get the Capital One Enterprise X
Which Enterprise X advantages apply to further cardholders?
Whereas the Enterprise X’s $395 annual payment could seem excessive on paper, one key profit is the power so as to add as much as 4 approved customers for no further cost. That is enormous, contemplating the Amex Platinum Card costs $195 per approved person (see charges and charges), and the Chase Sapphire Reserve costs $75 per approved person.
This makes the Enterprise X a way more inexpensive possibility for {couples} and households, plus many perks lengthen to approved customers as nicely.
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Airport lounge entry
Capital One’s flagship lounge at Dallas Fort Value Worldwide Airport (DFW) opened in late 2021, and since then, they opened a second lounge at Dulles Worldwide Airport (IAD) and a 3rd lounge at Denver Worldwide Airport (DEN) in addition to a novel “touchdown” idea in Washington, D.C.’s Ronald Reagan Washington Nationwide Airport (DCA). The facilities — like Peloton bikes and premium, regionally sourced eats — are excellent.
Extra lounges are within the works at Harry Reid Worldwide Airport (LAS) and New York’s John F. Kennedy Worldwide Airport (JFK), whereas a further touchdown is deliberate to open in New York’s LaGuardia Airport (LGA). Nevertheless, there are not any set opening dates for these areas but.
Whereas there are solely three Capital One Lounges open for now, Enterprise X cardholders additionally get a complimentary Precedence Go lounge membership (with the power to usher in as much as two visitors touring with you) and entry to over 100 Plaza Premium lounges (with the power to usher in as much as two visitors for no further cost).
Nevertheless, what makes the Enterprise X’s lounge privileges much more compelling is that approved customers can take pleasure in the identical lounge entry privileges as the first cardholder. So, you possibly can add 4 free approved customers to your card, and every can go to all the lounges named above whereas additionally bringing in visitors.
When you’ve got a big household, this profit could possibly be invaluable. Simply know that an grownup should accompany visitors beneath 18 years outdated.
Associated: Large household? No drawback! Get limitless lounge visitors with this bank card
As an example you opened the Enterprise X after which added 4 further customers. You and every of your approved customers would every have the ability to get into Capital One and taking part Plaza Premium lounges together with two visitors every. Add all of it collectively — 5 cardholders plus two visitors apiece — and you possibly can get 15 vacationers into the airport lounge altogether (a kind of folks being you).
And the visitor coverage for Enterprise X cardholders is even higher at Precedence Go lounges: limitless visitors — not unhealthy for a single bank card.
Simply be aware that the precise process for accessing these lounges varies:
- Capital One Lounges: Present your Enterprise X card and eligible, same-day boarding go for entry.
- Precedence Go lounges: Register on your complimentary Precedence Go membership at this hyperlink utilizing your Enterprise X particulars. Then, current your Precedence Go card and eligible, same-day boarding go for entry.
This is applicable to each the first cardholder and approved customers on the cardboard.
Complimentary Hertz President’s Circle elite standing
Hertz’s partnership with Capital One grants complimentary Hertz President’s Circle elite standing to Enterprise X major cardholders and approved customers. This top-tier standing will get you a assured one-class automobile improve, 50% bonus factors on all leases, entry to a broader vary of vehicles and a devoted customer support line.
Eligible cardholders should enroll via the Capital One web site or cell app. Cardholders can discover the hyperlink to register by visiting their eligible card’s “Rewards” tab or “Capital One Journey Advantages” tab and clicking on the Hertz profit tile. Major cardholders should enroll approved customers via this similar course of.
You may as well stack this profit with the power to earn additional miles on rental automobile bookings made with Capital One Journey. You may get your Hertz perks and earn 10 miles per greenback spent on leases booked with Capital One Journey, which is not a stacking mixture accessible with different playing cards, portals or rental businesses. On this manner, you are assured the most effective of each worlds.
Buy and journey protections
The Capital One Enterprise X is a Visa Infinite card, so there are a number of necessary journey and buy protections that each the first cardholder and approved person(s) can depend on:
- Journey cancellation and interruption insurance coverage: As much as $2,000 per particular person for pay as you go, nonrefundable tickets for you and instant relations.
- Journey delay reimbursement: As much as $500 per particular person for cheap bills like lodge rooms, meals, toiletries or garments when your flight is delayed in a single day or by six hours or extra.
- Misplaced baggage reimbursement: As much as $3,000 per coated journey if the airline damages or loses your luggage.
- Cellphone safety: As much as $800 in protection per declare with a most of two claims and $1,600 per 12-month interval. A $50 deductible applies per prevalence.
- Major rental automobile insurance coverage: As much as $75,000 because of harm attributable to collision or theft to a rental automobile.
- Buy, prolonged guarantee and return protections: As much as $10,000 per declare and $50,000 per account on purchases; warranties prolonged by a further yr; return as much as $300 per merchandise and $1,000 per account.
Which advantages do Enterprise X approved customers share?
Licensed customers on the Enterprise X don’t obtain their very own $300 annual credit score or one other International Entry or TSA PreCheck software payment credit score. Every of those is proscribed to a single credit score per account. Meaning these credit ought to apply to eligible costs made with a further card on the account, however they’ll depend in opposition to the first cardholder’s profit.
Likewise, solely the first cardholder will obtain the ten,000-mile anniversary bonus.
That stated, approved customers’ spending racks up Capital One miles on the similar charges as the first card, and their purchases will depend towards the cardboard’s minimal spending requirement to earn the introductory bonus. So, including customers to your account and having them spend (responsibly) in your behalf may make it easier to snag these 75,000 bonus miles even quicker.
The right way to add approved customers to your Enterprise X
When you resolve so as to add approved customers to your Enterprise X, head over to your Capital One account and search for the “I Need To” button on the precise facet of the display. Then, click on “Add Account Person.”
You may then should resolve the extent of entry you need to present to your approved person. You will have two choices:
- Account supervisor
- Licensed person
Here is a full chart of what major cardholders, account managers and approved customers can entry.
When you evaluation the choices and make your choice, you will enter your approved person’s first and final title, cellphone quantity, date of beginning and Social Safety quantity.
Learn extra: All the pieces you have to find out about approved customers
Backside line
There is not any query about it: Capital One Enterprise X Rewards Credit score Card supplies beneficiant advantages to approved customers. One of the best half is you could add 4 further cardholders at no further price, making the Enterprise X inexpensive for bigger households and teams. Subsequent time you go to a Capital One, Precedence Go or Plaza Premium lounge, you can herald the entire squad thanks to those approved person advantages.
Be taught extra: Capital One Enterprise X Rewards Credit score Card
For Capital One merchandise listed on this web page, among the advantages could also be offered by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
Upon enrollment, accessible via the Capital One web site or cell app, eligible cardholders will stay at that standing degree via the period of the supply. Please be aware, enrolling via 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. Extra phrases apply
For charges and charges of The Platinum Card from American Categorical, click on right here.
