The Capital One Enterprise Rewards {Credit Card} offers nice worth to occasional vacationers who need to maximize the miles they earn. This card includes a $95 annual price and earns at the least 2 miles per greenback on all purchases.
Its flashier sibling, the $395-annual-fee Capital One Enterprise X Rewards {Credit Card}, provides an enhanced journey expertise to compete with different premium merchandise like The Platinum Card® from American Specific and the Chase Sapphire Reserve® (see charges and costs).
In case you do not carry both card — the Enterprise Rewards or the Enterprise X — you could surprise: Do you have to apply for the well-established, crowd-pleasing Enterprise Rewards or go premium with the luxe Enterprise X?
Let’s study each playing cards that will help you determine which Capital One card is your only option.
Capital One Enterprise Rewards vs. Capital One Enterprise X comparability
| Card | Capital One Enterprise Rewards | Capital One Enterprise X |
|---|---|---|
| Annual price | $95 | $395 |
| Welcome supply | Earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. | Earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. |
| Incomes charges |
|
|
| Different advantages |
|
|
| Overseas transaction charges | None | None |
Capital One Enterprise Rewards vs. Capital One Enterprise X welcome supply
The Enterprise Rewards and Enterprise X have the identical welcome supply: New cardholders can earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.
Each provides are price $1,388 primarily based on TPG’s August 2025 valuations, so you will get strong worth from the bonus irrespective of which card you select.
Winner: Tie. Each playing cards present the identical welcome supply.
Associated: Methods to redeem Capital One’s 75,000 bonus miles welcome supply for optimum worth
Capital One Enterprise Rewards vs. Capital One Enterprise X advantages
With the Enterprise Rewards, you will stand up to a $120 credit score for TSA PreCheck or World Entry, in addition to rental automobile and journey accident insurance coverage, prolonged guarantee safety and entry to Capital One’s Life-style Assortment of lodges and Capital One Leisure.
Every day Publication
Reward your inbox with the TPG Every day e-newsletter
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Conversely, the Enterprise X has a stronger checklist of advantages that greater than justify its greater annual price in the event you can maximize them.
As a cardholder, you will get a $300 annual credit score for bookings made via Capital One Journey.
Presently, Enterprise X cardholders and their licensed customers get complimentary entry to Capital One lounges and may carry two friends totally free. Beginning Feb. 1, 2026, you will must spend $75,000 in a calendar 12 months to maintain free visitor entry; in any other case, adults will price $45 every, youngsters 17 and underneath $25, and kids underneath 2 stay free.
With the Enterprise X, you will additionally get a Precedence Cross lounge membership to over 1,700 places worldwide. Company can once more be a part of at no further price till Jan. 31, 2026, after which you will must pay $35 per visitor.
A further good thing about Enterprise X is which you can add a restricted variety of licensed customers for no further price. Nonetheless, beginning Feb. 1, 2026, if you’d like your licensed consumer to have lounge entry, you will must pay $125 for the privilege.
You may additionally obtain 10,000 bonus miles, price $185 in line with TPG’s August 2025 valuations, at every cardholder anniversary, together with entry to Capital One’s Life-style Assortment and the posh Premier Assortment of lodges, journey protections, prolonged guarantee safety and cellphone safety.
Winner: Enterprise X. Because the extra premium card providing, it has a way more strong checklist of advantages than the Enterprise Rewards.
Associated: Is the Capital One Enterprise X well worth the $395 annual price?
Incomes miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
Each the Enterprise Rewards and the Enterprise X earn bonus miles on journey booked via Capital One Journey and a couple of miles per greenback spent on all different purchases. Each playing cards additionally earn 5 miles per greenback spent on Capital One Leisure purchases (via Dec. 31, 2025).
With the Enterprise Rewards, you will earn 5 miles per greenback spent on lodges, trip leases and rental automobiles booked via Capital One Journey. Nonetheless, when you have the Enterprise X, you will earn 10 miles per greenback spent on lodges and rental automobiles booked via Capital One Journey and 5 miles per greenback spent on flights and trip leases booked via the identical portal.
Winner: Enterprise X. It earns double the miles because the Enterprise Rewards on lodges and rental automobiles booked via Capital One Journey. The Enterprise X additionally earns bonus miles on flights booked via Capital One Journey, whereas the Enterprise Rewards doesn’t.
Associated: 7 forms of purchases it’s best to make together with your Capital One Enterprise Rewards card
Redeeming miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
Each the Enterprise Rewards and the Enterprise X earn Capital One miles and provide the similar redemption choices.
You may get essentially the most worth by transferring your miles to one in all Capital One’s 15-plus switch companions, however you may also redeem them for a press release credit score to cowl journey purchases or present playing cards at a flat charge of 1 cent per mile.
Each playing cards mean you can redeem your miles for money again, however you will get a a lot decrease charge of 0.5 cents per mile, so we advocate avoiding this feature every time attainable.
Winner: Tie. Each playing cards provide the similar choices to redeem your miles.
Associated: Do you have to switch Capital One miles to companions or redeem instantly for journey?
Transferring miles with the Capital One Enterprise Rewards vs. Capital One Enterprise X
Among the best issues about each the Enterprise Rewards and the Enterprise X is that they mean you can switch your miles to one in all Capital One’s 15-plus lodge and airline companions, together with invaluable choices like Air France-KLM Flying Blue, British Airways Membership and Turkish Airways Miles&Smiles.
And in the event you can make the most of a welcome bonus, you will get much more worth out of your miles. As an illustration, TPG senior factors and miles author Ben Smithson will get strong worth from his miles by transferring them to Air Canada Aeroplan and Flying Blue.
Winner: Tie. Each the Enterprise Rewards and Enterprise X switch to the identical companions on the similar charges.
Associated: Cashing in Capital One miles? Methods to get the utmost worth when redeeming miles
Ought to I get the Capital One Enterprise Rewards or Capital One Enterprise X?
In case you’re targeted on protecting your annual price prices low, go along with the Enterprise Rewards. You may get a robust incomes charge, the flexibility to make the most of Capital One’s switch companions and a few journey advantages for only a $95 annual price. Nonetheless, if you’d like airport lounge entry and may maximize its $300 annual credit score, the Enterprise X is the higher selection.
Associated: Who ought to (and should not) get the Capital One Enterprise X card?
Methods to improve from the Capital One Enterprise Rewards to the Capital One Enterprise X
If you have already got Enterprise Rewards and need to improve to Enterprise X, you may name the quantity on the again of your card and request a product change. You will not be capable to make the most of your new card’s welcome supply, nevertheless it’s a great way to get extra advantages with out worrying about eligibility.
You may also downgrade from the Enterprise X to the Enterprise Rewards via the identical technique.
Associated: How Enterprise X saved me over $6,000 on a summer season journey to France
Backside line
Each the Enterprise Rewards and the Enterprise X are glorious journey rewards playing cards that earn bonus miles on Capital One Journey purchases and at the least 2 miles per greenback on all different purchases.
The Enterprise X is a good card for individuals who can make the most of its airport lounge entry and annual journey credit score, whereas the Enterprise Rewards is a greater match for anybody trying to hold their annual price prices low. No matter which card you select, you will get strong journey advantages and earn invaluable transferable rewards.
To study extra, learn our full evaluations of the Enterprise Rewards and Enterprise X.
Be taught extra: Capital One Enterprise Rewards
Be taught extra: Capital One Enterprise X
For Capital One merchandise listed on this web page, a number of the advantages could also be offered by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
