The Capital One Enterprise X Enterprise is a good choice for small-business homeowners who need to earn miles on their spending. It encompasses a strong welcome bonus and lots of of our favourite options discovered on its client counterpart, the Capital One Enterprise X Rewards Credit score Card.
One such similarity is the $395 annual payment. It is a cut price in comparison with another premium enterprise playing cards, reminiscent of The Enterprise Platinum Card® from American Categorical with its $695 payment (see charges and charges).
Nonetheless, it is greater than the $375 annual payment on the American Categorical® Enterprise Gold Card (see charges and charges) and the $95 annual payment on Chase’s Ink Enterprise Most popular® Credit score Card (see charges and charges).
So, does the Enterprise X Enterprise supply sufficient advantages and incomes potential to justify its premium payment? This is what it’s essential know for those who’re on the fence.
Welcome supply
This bonus is value a powerful as much as $6,475 whenever you consider TPG’s April 2025 valuations of Capital One miles at 1.85 cents. For those who can meet the steep minimal spending requirement, the total bonus alone is efficacious sufficient to justify paying the cardboard’s $395 annual payment.
Associated: The best way to maximize your Capital One miles
Incomes potential
Past the Enterprise X Enterprise welcome bonus, you may earn:
- 10 miles per greenback spent on lodges and rental vehicles bought via Capital One’s journey reserving website
- 5 miles per greenback spent on flights and trip leases bought via Capital One’s journey reserving website
- 2 miles per greenback spent on all different purchases
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And on the subject of redeeming your miles, you’ve choices. On one hand, you may redeem them merely for a press release credit score to cowl journey bills. This feature affords a price of 1 cent per mile.
To get extra worth out of your miles, you can even switch your miles to any of Capital One’s 15-plus resort and airline companions, together with priceless choices like Air Canada Aeroplan, Singapore Airways KrisFlyer and Wyndham Rewards.
In response to our April 2025 valuations, making the most of these switch choices normally yields a price of no less than 1.85 cents per mile. Proportion-wise, this implies you are incomes an efficient 3.7% return on all nonbonus purchases that internet you least 2 miles per greenback spent.
This makes the Enterprise X Enterprise an particularly engaging choice for big-spending enterprise homeowners who do not need to fear about bonus classes.
With this card, you may really feel assured figuring out you are incomes priceless rewards it doesn’t matter what you are shopping for.
Associated: Must you switch Capital One miles to companions or redeem them instantly?
Annual journey credit score
Nevertheless, it’s value noting that for the reason that credit score is proscribed to journey booked via Capital One’s journey reserving website, you may seemingly surrender any resort or rental automotive elite standing perks. The drawbacks of reserving via a portal can put a damper on the worth of this annual credit score.
Nonetheless, totally making the most of this perk will deliver your efficient annual payment down to simply $95.
Associated: The best way to determine whether or not to guide journey instantly or via a portal
Anniversary bonus miles
The journey credit score is not the one annual perk you may get as a Enterprise X Enterprise cardholder. Yearly, in your account anniversary, you may additionally obtain 10,000 bonus miles value $185, in keeping with our April 2025 valuations.
Even for those who redeem these anniversary miles instantly for journey at a charge of 1 cent per mile, this annual bonus is value $100. This perk and the journey credit score mixed greater than justify the cardboard’s $395 annual payment annually.
Lounge entry
This card additionally contains entry to Precedence Move and Plaza Premium lounges.
Be aware that, in contrast to the non-public Enterprise X, lounge entry doesn’t lengthen to approved customers.
With out bank card entry, it’s essential to pay $90 for a Capital One Lounge day cross. 5 visits alone would price $450 out of pocket, so you may make up the annual payment’s worth shortly for those who can reap the benefits of your Capital One Lounge entry.
Associated: Capital One Enterprise X vs. Enterprise X Enterprise
Different perks
On high of those super-valuable perks, the Enterprise X Enterprise contains further journey advantages and protections:
These advantages are tougher to quantify, however they will present added consolation and peace of thoughts throughout your travels.
Associated: A comparability of luxurious resort packages from bank card issuers: Amex, Capital One, Chase and Citi
Backside line
For those who can reap the benefits of all of the Enterprise X Enterprise advantages, you may greater than justify the annual payment yr after yr. The advantages are so priceless that you simply solely need to make the most of just a few to make up for the cardboard’s payment annually. Nevertheless, if you cannot maximize the annual journey credit score or airport lounge entry, you could need to go together with one other of our favourite enterprise bank cards.
To be taught extra, learn our full evaluate of the Enterprise X Enterprise.
Be taught extra: Capital One Enterprise X Enterprise
Associated: Why getting the Capital One Enterprise X Enterprise card would be the best resolution you may make in your firm
For charges and charges of the Amex Enterprise Platinum, click on right here.
For charges and charges of the Amex Enterprise Gold, click on right here.
