Enterprise X Enterprise vs. Amex Enterprise Platinum: Which enterprise card is best for you?

Small-business homeowners in search of a enterprise card have loads of nice choices to select from. However in the event you’re searching for a enterprise card that provides premium perks, you may need to think about two prime choices: the Capital One Enterprise X Enterprise and The Enterprise Platinum Card® from American Categorical.

Each playing cards earn their very own respective transferable forex that enterprise homeowners can use to e-book journey. The Enterprise X Enterprise earns Capital One miles, whereas the Enterprise Platinum earns Membership Rewards factors.

The Enterprise X Enterprise has a $395 annual charge, and the Enterprise Platinum has a $695 annual charge (see charges and charges).

At first look, you could assume the Enterprise Platinum is the superior card because it has nearly double the annual charge, however the Enterprise X Enterprise carries its weight and even beats the Enterprise Platinum in some classes.

Let’s dive into which premium enterprise card is correct on your pockets.

Enterprise X Enterprise vs. Amex Enterprise Platinum comparability

*Eligibility and profit stage varies by card. Not all car sorts or leases are coated, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable by means of American Categorical Journey Associated Providers Firm, Inc.

**Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. If accredited and coordinated by Premium International Help Hotline, emergency medical transportation help could also be supplied for gratis. In another circumstance, cardmembers are chargeable for the prices charged by third-party service suppliers.

***Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.

****Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by New Hampshire Insurance coverage Firm, an AIG Firm.

^Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars.

Enterprise X Enterprise vs. Amex Enterprise Platinum welcome provide

For a restricted time, new candidates for the Enterprise X Enterprise can earn a tiered welcome provide: Earn 150,000 bonus miles after spending $30,000 within the first three months from account opening and an extra 200,000 miles after spending $200,000 within the first six months.

TPG’s Might 2025 valuations peg Capital One miles at 1.85 cents apiece, making this welcome provide value as much as $6,475. To totally earn the welcome bonus, it will require a whopping common month-to-month spend of $33,334.

For a restricted time, new cardmembers for the Amex Enterprise Platinum can earn 150,000 factors after spending $20,000 on purchases inside the first three months of card membership. Plus, they will earn a $500 assertion credit score after spending $2,500 on qualifying flights booked immediately with airways or by means of American Categorical Journey within the first three months of card membership. You possibly can earn one or each of those affords, which finish June 30.

TPG’s Might 2025 valuations peg Membership Rewards factors at 2 cents apiece, making this provide value as much as $3,500.

Winner: If your small business can afford the spending requirement, the Enterprise X Enterprise. Its welcome provide is sort of double the worth of the Amex Enterprise Platinum’s. If your small business would not spend sufficient to earn the Enterprise X Enterprise’ welcome provide, the Amex Enterprise Platinum remains to be a winner.

Associated: Greatest welcome affords of the month

Enterprise X Enterprise vs. Amex Enterprise Platinum advantages

The advantages of those playing cards are the place they actually shine.

Shared advantages

Each playing cards have an identical standout profit in lounge entry. With the Enterprise X Enterprise, you’ve entry to Capital One’s rising community of lounges (4 lounges and one Capital One Touchdown). Plus, you may obtain a complimentary Precedence Move membership. The first cardholder can usher in two friends for no further cost.

With the Amex Enterprise Platinum, you may have entry to the International Lounge Assortment, which incorporates entry to Centurion Lounges, Delta Sky Golf equipment*****, Escape lounges, Plaza Premium lounges and choose Lufthansa lounges. You may additionally obtain a Precedence Move Choose membership. Visitor entry varies by lounge, with some requiring a charge for friends and a few not.

*****Eligible Platinum Card members will obtain 10 visits per eligible Platinum Card, per 12 months to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight.

Each playing cards additionally present:

Enterprise X Enterprise advantages

With the Enterprise X Enterprise, cardholders obtain:

Amex Enterprise Platinum advantages

The Enterprise X Enterprise offers cardmembers major rental automobile insurance coverage, whereas the Enterprise Platinum offers secondary protection for no further cost*. You possibly can go for the premium automobile rental safety for a charge to get major protection.

With the Amex Enterprise Platinum Card, members additionally obtain:

• As much as $200 assertion credit score for airline charges (together with incidental costs) per calendar 12 months
• As much as $199 assertion credit score per calendar 12 months for a Clear Plus membership (topic to auto-renewal)
• As much as $200 annual Hilton assertion credit score (as much as $50 per quarter)
• As much as $400 in assertion credit per calendar 12 months for U.S. Dell purchases (as much as $200 to make use of January by means of June and as much as $200 to make use of July by means of December)^^
• As much as $150 in assertion credit per calendar 12 months for eligible Adobe purchases (applies solely to pay as you go plans with Inventive Cloud or Acrobat Professional DC with e-sign for groups, topic to auto-renewal)^^
• As much as $360 every calendar 12 months in Certainly assertion credit (as much as $90 per quarter)
• As much as $120 every calendar 12 months (as much as $10 month-to-month) in assertion credit for spending on wi-fi plans with U.S. suppliers
• Marriott Bonvoy and Hilton Honors Gold standing
• Rental automobile elite standing
• 35% airline bonus when redeeming with Membership Rewards factors through Amex Journey (obtain as much as 1 million factors again every calendar 12 months)
• Some advantages require enrollment

^^Advantages set to alter July 1.

The Amex Enterprise Platinum comes with considerably extra assertion credit, however not all enterprise homeowners could possibly use them, as some are fairly area of interest. I take advantage of the Dell credit score for any of my enterprise tech wants, corresponding to storage and displays, and the Adobe credit score on a Inventive Cloud subscription.

Moreover, the Amex airline credit score permits extra flexibility, however needless to say it is restricted to only one eligible airline every calendar 12 months. In the meantime, the Enterprise X Enterprise’ journey credit score needs to be redeemed by means of Capital One Journey.

With the Enterprise Platinum, you may additionally obtain computerized resort and rental automobile elite standing and as much as $199 every calendar 12 months towards a Clear Plus membership, which may pace up airport safety. Lastly, the Enterprise Platinum has baggage delay insurance coverage***, which is not accessible on the Enterprise X Enterprise.

Winner: Amex Enterprise Platinum, because it affords quite a few assertion credit, computerized elite standing and unparalleled lounge entry. The Enterprise X Enterprise, nevertheless, has one easy credit score that may cowl nearly all of its annual charge.

Associated: Is the Enterprise X Enterprise definitely worth the $395 annual charge?

Incomes rewards on the Enterprise X Enterprise vs. Amex Enterprise Platinum

Each playing cards provide bonus earnings for journey booked by means of their respective journey portals. The Amex Enterprise Platinum affords an extra incomes class past that, whereas the Enterprise X Enterprise earns extra rewards per greenback on on a regular basis spending.

The Enterprise X Enterprise earns:

• 10 miles per greenback spent on resorts and rental automobiles booked by means of Capital One Journey
• 5 miles per greenback spent on flights and trip leases booked by means of Capital One Journey
• 2 miles per greenback spent on each different buy

In the meantime, the Amex Enterprise Platinum earns:

• 5 factors per greenback spent on flights and pay as you go resorts booked with Amex Journey
• 1.5 factors per greenback spent on purchases of $5,000 or extra and in choose enterprise classes within the U.S. — development materials and {hardware} suppliers, electronics items retailers, software program and cloud system suppliers and transport suppliers — on as much as $2 million of purchases in a calendar 12 months, then 1 level per greenback
• 1 level per greenback spent on different purchases

The Enterprise X Enterprise will earn extra rewards on most purchases and has double the incomes price on pay as you go resorts booked by means of its respective journey portal.

Winner: Enterprise X Enterprise, because it earns no less than 2 miles per greenback spent on all purchases, whatever the quantity or bonus class.

Associated: How you can maximize your incomes with the Amex Enterprise Platinum

Redeeming rewards on the Enterprise X Enterprise vs. Amex Enterprise Platinum

Each playing cards provide related methods to redeem their rewards, together with for a press release credit score, reward playing cards or to cowl purchases. Nonetheless, with any of those redemption strategies on both card, you’ll get a price beneath TPG’s Might 2025 valuation of both forex.

Transferring factors or miles to companions is one of the best ways to redeem them for max worth.

With the Enterprise X Enterprise, you’ll be able to redeem miles at 1 cent apiece to cowl journey purchases or e-book new journey by means of Capital One Journey.

With the Amex Enterprise Platinum Card, members can redeem factors at 1 cent per level for flights booked by means of Amex Journey and resorts reserved through Amex Fantastic Motels + Resorts. All different journey booked by means of Amex Journey is redeemed at 0.7 cents per level.

Cardmembers even have entry to a Pay with Factors bonus. If you happen to e-book an eligible business- or first-class flight on any airline or financial system flights (solely with one designated airline) with factors by means of Amex Journey, you’ll get 35% of the factors again (as much as 1 million factors per calendar 12 months).

I used this as soon as a couple of years in the past to e-book a business-class flight from Europe to Asia for lower than 50,000 factors.

Winner: Tie. With the Enterprise X Enterprise, you’ll be able to redeem miles for all journey purchases at 1 cent apiece. Nonetheless, the Amex Enterprise Platinum permits you to obtain 35% of your factors again in the event you e-book an eligible flight by means of Amex Journey (as much as 1 million factors per calendar 12 months).

Associated: Cashing in Capital One miles? How you can get the utmost worth when redeeming miles

Transferring rewards on the Enterprise X Enterprise vs. Amex Enterprise Platinum

Each playing cards earn rewards that may be transferred to quite a few switch companions to obtain most worth.

With the Enterprise X Enterprise, you’ll be able to switch miles to considered one of Capital One’s 15-plus switch companions, together with Air Canada or JetBlue. Most companions switch at a 1:1 ratio.

Ben Smithson, TPG’s senior factors and miles author, not too long ago transferred 77,000 Capital One miles to Air France-KLM Flying Blue to e-book his husband a business-class ticket on board Air France’s latest business-class product on the Airbus A350-900 from Incheon Worldwide Airport (ICN) in Seoul, South Korea, to London’s Heathrow Airport (LHR) after which on to Paris-Charles de Gaulle Airport (CDG).

With the Amex Enterprise Platinum, you’ll be able to switch factors to considered one of Amex’s 21 airline and resort companions, together with Delta or Hilton. Most companions switch at a 1:1 ratio.

I usually switch my Amex Membership Rewards factors to Delta to reap the benefits of the provider’s frequent award flash gross sales. I not too long ago noticed considered one of these gross sales, which included round-trip flights from the West Coast to Tokyo for simply 34,000 SkyMiles.

Moreover, each playing cards have companions in all three main alliances: Oneworld, SkyTeam and Star Alliance. As such, you need to use any of them to e-book home flights.

Winner: Amex Enterprise Platinum, because it affords extra switch companions than the Enterprise X Enterprise.

Ought to I get the Enterprise X Enterprise or the Amex Enterprise Platinum?

If you wish to get lounge entry and earn no less than 2 miles per greenback spent on all purchases or are searching for a decrease annual charge, you need to go for the Enterprise X Enterprise. If you would like extra in depth lounge entry, computerized elite standing and might use most or all of its assertion credit, you need to go for the Amex Enterprise Platinum.

Associated: 7 causes you may want the Amex Enterprise Platinum Card as an alternative of the Amex Platinum Card

Backside line

The Enterprise X Enterprise and the Amex Enterprise Platinum are glorious enterprise rewards playing cards. Whereas the Amex Enterprise Platinum has extra advantages and assertion credit, the Enterprise X Enterprise is a superb possibility with a a lot decrease annual charge.

Both or each playing cards might be nice additions for your small business, as each present premium perks and lounge entry. With each playing cards’ welcome bonuses, you would have a wholesome stash of rewards for your small business.

To be taught extra, learn our full opinions of the Capital One Enterprise X Enterprise and the Amex Enterprise Platinum.

---

Apply right here: The Enterprise Platinum Card from American Categorical
Study extra: Capital One Enterprise X Enterprise

---

For Capital One merchandise listed on this web page, among 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.

For charges and charges of the Amex Enterprise Platinum, click on right here.