Yearly, the TPG Awards honor excellence in bank cards, loyalty packages and journey. Please click on right here to learn extra about our winner choice course of and methodology for the 2024 TPG Awards.
Capital One Enterprise X Rewards Credit score Card overview
* Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Capital One Enterprise X exists within the premium house alongside playing cards like The Platinum Card® from American Specific and Chase Sapphire Reserve® (see charges and costs). Like them, it has some critical journey perks, precious assertion credit and lounge entry — however for a a lot decrease annual charge of $395 (see charges and costs).
The Enterprise X’s decrease annual charge, lounge entry and journey advantages that rival and even outclass the competitors are why it took residence the title of the Greatest Premium Journey Card on the 2024 TPG Awards.
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 Value Worldwide Airport, Capital One operates lounges in:
With the Enterprise X, you may get complimentary limitless entry to those in addition to entry to greater than 1,300 lounges worldwide with the expansive Capital One Companion Lounge Community for you and two friends. You will want glorious credit score for this card, so TPG recommends a credit score rating of 740 or greater.
If Dallas, Fort Value, Dulles, Denver, Reagan or Vegas are your own home airports, this can be all it is advisable know to make your resolution. However in case you are nonetheless debating whether or not the Enterprise X is for you, right here is the whole lot it is advisable know earlier than clicking that “apply” button.
Capital One Enterprise X professionals and cons
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Capital One Enterprise X welcome supply
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In response to TPG’s April 2025 valuations, 75,000 Capital One miles are value $1,388, due to the outsize worth you will get from transferring Capital One miles to this system’s airline and lodge companions.
And should you do not wish to navigate the complexities of transferable miles, you need to use your Capital One Miles instantly for journey at a charge of 1 cent per mile — making this welcome bonus value $750.
Associated: The perfect time to use for these in style Capital One bank cards based mostly on supply historical past
Capital One Enterprise X advantages
Whereas decrease than its premium opponents, Enterprise X does carry a $395 annual charge (see charges and costs). That may initially look like 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 (value $185 towards journey in keeping with TPG’s April 2025 valuations)
- Lounge entry: Complimentary entry for cardholders and as much as two friends per go to to Capital One Lounges and lounges in Capital One’s companion community
- Further cardholders: Add plenty of extra cardholders at no cost (see charges and costs); they will take pleasure in choose advantages, and you’ll earn rewards on each greenback they spend
- 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 robotically whenever 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 definitely 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 on inns and automotive leases booked through Capital One Journey
- 5 miles per greenback on trip leases and flights booked through Capital One Journey
- 2 miles per greenback 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 method, the Enterprise X represents the most effective of each worlds — excessive incomes potential on journey purchases, particularly, however a stable 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
Whenever you’re able to redeem your Capital One miles, you will have a number of choices. If you wish to get essentially the most worth out of your miles, you may wish to make the most of the choice to switch them to Capital One’s 15-plus lodge and airline journey companions.
Nevertheless, should you want an easier redemption technique, Capital One affords a number of different redemption choices in your miles. These embody redeeming miles for journey by means of Capital One Journey, reward playing cards and Amazon.com purchases.
Be aware that these fixed-value choices will yield effectively beneath TPG’s April 2025 valuation of 1.85 cents per level.
If you wish to redeem your rewards for money again, you may be a lot better off with the Capital One Savor Money Rewards Credit score Card.
Associated: Must you switch Capital One miles to companions or redeem them instantly 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 precious choices like Air Canada Aeroplan and Alternative Privileges.
As an 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 Govt Membership for nonstop home flights on American Airways.
Regardless 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?
For extra choices, try our record of the most effective journey playing cards.
*Be aware that elevated incomes on Sapphire Reserve journey purchases will happen after the primary $300 is spent on journey yearly.
Learn extra: The perfect premium bank cards: A side-by-side comparability
Backside line
With easy rewards, spectacular lounge entry advantages and total stable worth, the Enterprise X has mass enchantment, particularly for these trying to find a premium journey rewards card.
As well as, there are a number of under-the-radar perks on the cardboard, together with Visa Infinite advantages with an in depth record of journey, baggage, automotive rental and buy protections. Add in a rising community of airport lounges, no-fee extra cardholders (see charges and costs), Capital One’s sturdy switch companions and a luxurious lodge program, and you’ve got a card that’s almost a no brainer.
Study extra: Capital One Enterprise X
Associated: 10 bank cards that may get you $1,000 or extra in first-year worth
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 range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
