We love bank cards that include an array of perks — particularly after they can outweigh the cardboard’s annual payment. Maximizing advantages on a bank card can imply the financial institution is basically paying you to maintain the cardboard 12 months after 12 months. Nonetheless, not utilizing the perks means you are probably paying a payment for no cause.
This undoubtedly applies to the Capital One Enterprise X Rewards Credit score Card. The cardboard has a ton of perks, and you may wish to use as a lot of them as potential to justify the $395 annual payment.
The Enterprise X card additionally presents a 75,000-mile welcome bonus for individuals who spend $4,000 on purchases within the first three months of account membership. In accordance with TPG’s January 2025 valuations, that bonus is price $1,388.
In case you lately bought the Enterprise X bank card, listed here are the issues you need to do to unlock its full worth.
Associated: Is the Capital One Enterprise X definitely worth the $395 annual payment?
Register for lounge entry
You get limitless entry to Capital One lounges in case you have the Enterprise X. This additionally applies to your licensed customers on the cardboard, together with complimentary entry for as much as two visitors per go to (youngsters aged two and below are free). Extra visitors are $45 every.
To achieve entry, simply present your boarding go and Enterprise X card.
Nonetheless, the overwhelming majority of lounges that Enterprise X cardholders can entry additionally include a Precedence Cross Choose membership. After enrolling and receiving your membership card, you and your visitors can entry over 1,300 lounges in airports worldwide.
To enroll, go to this enrollment web page and enter your 16-digit Enterprise X account quantity. Then, comply with the prompts to finish your registration.
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Alternatively, you may entry this web page by logging in to your Capital One account, navigating to the advantages part, and clicking the Precedence Cross icon.
Licensed customers in your card additionally get Precedence Cross membership, which leads us to the following level.
Associated: An entire information to Capital One’s airport lounges
Add free licensed customers
You possibly can add as much as 4 licensed customers to your Enterprise X account for no further value. You may be chargeable for something they cost to their playing cards, however all of the miles earned from their purchases will go into your rewards steadiness.
The actual profit right here is sharing a few of your greatest advantages with licensed customers. Licensed customers obtain entry to Capital One lounges and a Precedence Cross membership of their very own — with the identical visitor entry coverage because the cardholder. One of the best half is that there isn’t any value so as to add as much as 4 licensed customers to your card.
Associated: The bank cards with the best worth for licensed customers
Apply for International Entry or TSA PreCheck
Nobody likes ready in line at airport safety. Fortunately, there is a technique to velocity up the method, and the Enterprise X may also help you get it at no cost.
International Entry and TSA PreCheck are packages designed to assist pre-screened passengers get by means of safety checkpoints extra shortly. International Entry purposes value $120, whereas TSA PreCheck purposes value as much as $85. Every one is legitimate for 5 years.
As soon as each 4 years, Capital One will reimburse Enterprise X cardholders as much as $120 as assertion credit towards software charges for these packages. This credit score is as soon as per account, which means licensed customers don’t get their very own payment reimbursement.
If you are going to select between one in all these packages, I like to recommend International Entry as a result of it contains TSA PreCheck advantages and expedited screening when returning to the U.S. from one other nation.
Associated: Issues to learn about International Entry
Change your fee technique in your cellphone invoice
How a lot did you spend to purchase your cellphone? For many of us, that reply is within the vary of tons of of {dollars} — although some top-of-the-line fashions can exceed $1,000. In brief, telephones aren’t low-cost. And the price of changing them after injury or theft might be painful.
In case you pay your month-to-month cellphone invoice together with your Enterprise X card, you are robotically lined towards injury and theft. This is applicable to each telephone line listed on the invoice, and protection will kick in for the following calendar month after your fee.
Word that there are some limitations to this protection:
- You possibly can file a most of two claims each 12 months.
- The utmost protection is $800 per declare.
- There’s a $50 deductible on every declare.
- Protection is supplemental, which means it’s essential to first exhaust another relevant insurance policies (like renters insurance coverage, for instance).
In case your declare is expounded to the theft of your cellphone, it’s essential to file a police report inside 48 hours to be eligible for protection out of your Enterprise X card.
Associated: Hyperlink a bank card with cellphone safety to your cell invoice
Activate rental automotive elite standing
You possibly can count on advantages like complimentary upgrades, a wide array of vehicles from which to decide on within the car parking zone, a free second driver and the flexibility to skip the road. Somewhat than ready in line inside to signal kinds and get the keys, simply head straight to the car parking zone, get in your reserved automotive and drive off.
We must always spotlight three nice components of this perk.
First, it additionally applies to your licensed customers. Second, due to standing matching, you should use your Hertz standing to achieve standing with different corporations.
Lastly, and most significantly, you may really stack this perk with the cardboard’s enhanced incomes charges on automotive leases and the annual $300 journey credit score for purchases by means of the Capital One Journey portal.
* Upon enrollment, accessible by means of the Capital One web site or cell app, eligible cardholders will stay at that standing degree by means of the length of the supply. Please observe, enrolling by means of the conventional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) won’t robotically detect a cardholder as being eligible for this system and cardholders won’t be robotically upgraded to the relevant standing tier. Extra phrases apply.
Since your Enterprise X card gives main rental automotive insurance coverage, this can be a nice card to make use of for leases. Cardholders can rise up to $75,000 in protection for injury brought on by collision or theft to a rental automotive. This protection is offered with out the necessity to purchase insurance coverage from the rental firm. The automotive rental insurance coverage profit is a Visa Infinite card function.
Associated: The entire information to automotive rental elite standing matches
Switch your miles to a journey associate
To actually maximize the Enterprise X, contemplate leveraging Capital One’s switch program. At the moment, Capital One presents 15-plus airline and lodge switch companions, with most changing at a 1:1 ratio.
Capital One’s rewards program competes with American Specific Membership Rewards and Chase Final Rewards.
By using switch companions, you may maximize the worth of your miles by greater than 1.85 cents per mile, in keeping with TPG’s January 2025 valuations.
For instance, you possibly can switch your Capital One miles to Air Canada Aeroplan. Then, you possibly can fly to the Center East with an prolonged stopover in Europe due to Aeroplan’s beneficiant stopover coverage, supplying you with two journeys in a single.
Associated: Why transferable factors and miles are price greater than different rewards
Backside line
The present welcome bonus is effective, in order that’s a significant incentive to open the cardboard. Nonetheless, in case you can make the most of nearly all of perks and advantages supplied by the Enterprise X, it ought to preserve incomes a spot in your pockets 12 months after 12 months.
For extra particulars, learn our full assessment of the Enterprise X.
Study extra: Capital One Enterprise X Rewards Credit score Card
For Capital One merchandise listed on this web page, among the above advantages are supplied by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
