Capital One Enterprise X Rewards {Credit Card} overview
The Capital One Enterprise X Rewards {Credit 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 straightforward to grasp, the cardboard is almost a no brainer for vacationers starting from luxurious seekers to the extra budget-minded. Card score*: ⭐⭐⭐⭐½
* Card score relies 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 severe journey perks, worthwhile assertion credit and lounge entry — however for a extra budget-friendly annual charge than its opponents, $395 (see charges and charges).
The Enterprise X’s decrease annual charge, lounge entry and journey advantages that rival and even outclass its competitors are why it took house the title of the Greatest Premium Journey Card on the 2024 TPG Awards.
You have to glorious credit score for this card, so TPG recommends a credit score rating of 740 or greater.
In case you are debating whether or not the Enterprise X is for you, right here is all the things 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 provide
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 provide we’ve seen, however it meets our standards for when to use.
Based on TPG’s August 2025 valuations, 75,000 Capital One miles are value $1,388, because of the outsize worth you may get from transferring Capital One miles to this system’s airline and resort companions.
And in the event you do not need to navigate the complexities of transferable miles, you should utilize your Capital One miles straight for journey at a charge of 1 cent per mile, making this welcome bonus value $750.
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Associated: The most effective time to use for these common Capital One bank cards based mostly on provide historical past
Capital One Enterprise X advantages
Whereas decrease than its premium opponents, Enterprise X does carry a $395 annual charge (see charges and charges). 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 (value $185 towards journey in response to TPG’s August 2025 valuations)
- Lounge entry: Complimentary entry for cardholders per go to to Capital One Lounges and Precedence Cross™ 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 Cross (enrollment required).
- Auto rental collision injury waiver: Get monetary savings by saying no on the counter — lease together with your coated 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 subsequent calendar month.
- Prolonged guarantee safety: Prolong your qualifying product warranties mechanically while 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 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 resorts and automotive leases booked by way of Capital One Journey
- 5 miles per greenback spent on trip leases and flights booked by way of 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 Card} (see charges and charges), a product that has been round for over a decade. In that method, the Enterprise X represents the very best of each worlds — excessive incomes potential on journey purchases, particularly, however a strong on a regular basis incomes charge that is straightforward to maintain monitor of.
Associated: Why the Enterprise X is a mainstay in my pockets
Redeeming miles on the Capital One Enterprise X
If you’re able to redeem your Capital One miles, you may 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 resort and airline journey companions.
Nonetheless, in the event you desire an easier redemption technique, Capital One gives a number of different redemption choices to your miles. These embody redeeming miles for journey via Capital One Journey, present playing cards and Amazon.com purchases.
Observe that these fixed-value choices will yield properly under TPG’s August 2025 valuation of 1.85 cents per level.
If you wish to redeem your rewards for money again, you will be a lot better off with the Capital One Savor Money Rewards {Credit Card}.
Associated: Must you 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 worthwhile choices like Air Canada Aeroplan and Alternative Privileges.
As an illustration, 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 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 resort switch companions
Which playing cards compete with the Capital One Enterprise X?
With a $395 annual charge (see charges and charges), the Enterprise X falls throughout the premium journey playing cards class. You would possibly desire a unique premium card possibility in the event you’re on the lookout for completely different perks, reminiscent of extra expansive lounge entry or extra versatile journey credit. And in the event you aren’t able to fork over a premium annual charge, you may get a number of the similar perks with Capital One’s mid-tier journey card.
For added choices, take a look at our listing of the very best journey playing cards.
*Observe 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 strong worth, the Enterprise X has mass attraction, particularly for these trying to find a premium journey rewards card.
As well as, there are plenty of under-the-radar perks on the cardboard, together with Visa Infinite advantages with an in depth listing of journey, baggage, automotive rental and buy protections. Add in a rising community of airport lounges, Capital One’s strong switch companions and a luxurious resort program, and you’ve got a card that’s almost a no brainer.
Study extra: Capital One Enterprise X
For charges and charges 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.
