Two of Capital One’s premium playing cards have develop into very fashionable over the previous few years.
Most TPG readers are acquainted with the non-public Capital One Enterprise X Rewards Credit score Card. And in case you are a small-business proprietor, you might be eager about its enterprise sibling, the Capital One Enterprise X Enterprise.
At first look, the Enterprise X Enterprise appears to be like nearly an identical to the Enterprise X, with many overlapping perks and the identical annual charge. However a couple of variations between the playing cards will possible put one forward of the opposite for you. Proper now, the Enterprise X Enterprise has its best-ever provide for brand new cardholders.
Here is what it’s essential to know earlier than selecting the Enterprise X or the Enterprise X Enterprise.
Associated: Do I would like a enterprise to get a enterprise bank card?
Enterprise X vs. Enterprise X Enterprise comparability
The Enterprise X and Enterprise X Enterprise are nearly an identical, with the variations highlighted in daring beneath:
| Enterprise X | Enterprise X Enterprise | |
|---|---|---|
| Annual charge | $395 | $395 |
| Welcome provide | Earn 75,000 bonus miles after spending $4,000 within the first three months from account opening. | Restricted-time provide: Earn 150,000 bonus miles after spending $30,000 within the first three months, plus a further 200,000 miles after spending $200,000 within the first six months. |
| Incomes charges |
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| Advantages |
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Enterprise X vs. Enterprise X Enterprise welcome provide
Each the Enterprise X and the Enterprise X Enterprise include priceless welcome bonuses.
New Enterprise X cardholders earn 75,000 bonus miles after spending $4,000 within the first three months from account opening. In response to TPG’s April 2025 valuations, Capital One miles are price 1.85 cents every, making this bonus price $1,388.
The Enterprise X Enterprise, however, comes with a a lot increased, however tiered welcome bonus. For a restricted time, new cardholders can earn:
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- 150,000 bonus miles after spending $30,000 within the first three months
- A further 200,000 miles after spending $200,000 within the first six months
In response to TPG’s April 2025 valuations, this bonus is an astounding as much as $6,475.
Whereas you do not have to be a standard enterprise proprietor to qualify for a enterprise bank card, the Enterprise X Enterprise’ welcome bonus spending requirement appears geared extra towards companies with considerably excessive spending patterns. If you cannot hit the excessive spending requirement and earn the elevated bonus, you will need to go along with the Enterprise X for its simpler path to a priceless bonus.
Winner: Enterprise X Enterprise — so long as you possibly can meet the very excessive spending requirement.
Associated: 10 methods to satisfy the spending necessities and earn the bonus on a brand new card
Enterprise X vs. Enterprise X Enterprise advantages
The Enterprise X and Enterprise X Enterprise have lots of overlapping advantages, together with:
The place they differ:
- The Enterprise X comes with Hertz President’s Circle standing*.
- The Enterprise X Enterprise has business-oriented advantages (like itemized spending experiences) and your card’s stability should be paid in full each month (given it has no preset spending restrict).
Winner: Enterprise X — whereas these playing cards have very comparable advantages, Enterprise X’s complimentary automotive rental elite standing provides it the sting over the Enterprise X Enterprise.
Incomes miles on the Enterprise X vs. Enterprise X Enterprise
The Enterprise X and the Enterprise X Enterprise have the identical incomes charges:
- 10 miles per greenback on accommodations and rental automobiles booked by Capital One Journey
- 5 miles per greenback on flights and trip leases bought by Capital One Journey
- 2 miles per greenback on different purchases
Since each playing cards have the identical incomes charges, you will possible need to discover totally different card choices if you wish to earn bonus rewards on different particular classes, similar to eating, groceries or frequent enterprise bills.
Winner: Tie
Associated: The most effective bank cards for every spending class
Redeeming miles on the Enterprise X vs. Enterprise X Enterprise
Transferring your miles to any of Capital One’s 15-plus airline and lodge companions is essentially the most priceless redemption route and our advice.
You too can redeem your miles for:
- A press release credit score: 1 cent per mile; to cowl journey bills and present playing cards
- Amazon purchases: 0.8 cents per mile
- Money again: 0.5 cents per mile
Winner: Tie — each playing cards provide the identical redemption choices.
Associated: Do you have to switch your Capital One miles or redeem them immediately for journey?
Transferring miles with the Enterprise X vs. Enterprise X Enterprise
TPG contributing editor Matt Moffitt likes to switch his Capital One miles to Alternative Privileges, which affords enticing award charges for lodge stays in costly Nordic nations.
With the wide selection of choices accessible, you will simply discover a switch that matches your journey preferences and objectives.
Winner: Tie — each playing cards have the identical switch choices.
Ought to I get the Enterprise X or the Enterprise X Enterprise?
Backside line
The Enterprise X provides in automotive rental elite standing, whereas the enterprise model has a a lot increased welcome bonus (with a considerable spending requirement), itemized spending experiences and no preset spending restrict.
Whether or not you select the non-public or enterprise model, (Enterprise) X marks the spot for premium perks at an inexpensive annual charge.
For extra particulars, learn our full evaluations of the Enterprise X and Enterprise X Enterprise.
Study extra: Enterprise X
Study extra: Enterprise X Enterprise
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.
*Upon enrollment, accessible by the Capital One web site or cell app, eligible cardholders will stay at that standing stage by the period of the provide. Please notice, enrolling by the conventional Hertz Gold Plus Rewards enrollment course of (e.g., at Hertz.com) is not going to mechanically detect a cardholder as being eligible for this system and cardholders is not going to be mechanically upgraded to the relevant standing tier. Further phrases apply.
