Why you need to add licensed customers on the Capital One Enterprise X

The Capital One Enterprise X Rewards Credit score Card shook up the premium rewards bank card market when it launched in November 2021, giving legacy playing cards like The Platinum Card® from American Categorical and the Chase Sapphire Reserve® a run for his or her cash.

Whereas the Enterprise X’s $395 annual charge remains to be one thing to think about, it is a lot decrease than what Capital One’s rivals cost. Not solely are the cardboard’s perks aggressive, however many even lengthen to licensed customers — and cardholders can add as much as 4 licensed customers at no extra value.

Let’s assessment the total suite of advantages that extra customers of the Enterprise X card will get pleasure from. Particularly, we’ll spotlight the rising variety of lounges you and your touring companions can all go to collectively with none extra out-of-pocket value.

Enterprise X overview

Earlier than we dig in, let’s assessment the small print of the Enterprise X card.

Enterprise X cardholders obtain:

• Signal-up bonus: Earn 75,000 bonus Capital One miles after spending $4,000 on purchases within the first three months from account opening.
• Incomes charges: Earn 10 miles per greenback spent on lodges 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 and a pair of miles per greenback spent on all different purchases.
• Annual credit score: Obtain a $300 credit score yearly while you e book journey along with your Enterprise X by means of Capital One Journey.
• Anniversary bonus: Earn 10,000 bonus miles each account anniversary.
• Capital One Lounge entry: Get limitless entry to Capital One Lounges for you and two company (every visitor after that may value $45).
• Precedence Go membership: Get pleasure from entry to greater than 1,300 Precedence Go lounges worldwide for you and as much as two company touring with you.
• Plaza Premium lounge entry (ending March 1, 2025)
• World Entry or TSA PreCheck reimbursement: Obtain as much as a $120 assertion credit score each 4 years for both trusted traveler program.
• No international transaction charges
• $395 annual charge

Associated: 6 issues to do while you get the Capital One Enterprise X

Which Enterprise X advantages apply to extra cardholders?

Whereas the Enterprise X’s $395 annual charge could appear excessive on paper, one key profit is the flexibility so as to add as much as 4 licensed customers for no extra cost. That is big, contemplating the Amex Platinum Card fees $195 per licensed person (see charges and charges), and the Chase Sapphire Reserve fees $75 per licensed person.

This makes the Enterprise X a way more inexpensive choice for {couples} and households, plus many perks lengthen to licensed customers as effectively.

Airport lounge entry

Capital One’s flagship lounge at Dallas Fort Value Worldwide Airport (DFW) opened in late 2021, and since then, they opened a second lounge at Dulles Worldwide Airport (IAD) and a 3rd lounge at Denver Worldwide Airport (DEN) in addition to a novel “touchdown” idea in Washington, D.C.’s Ronald Reagan Washington Nationwide Airport (DCA). The facilities — like Peloton bikes and premium, domestically sourced eats — are excellent.

Extra lounges are within the works at Harry Reid Worldwide Airport (LAS) and New York’s John F. Kennedy Worldwide Airport (JFK), whereas a further touchdown is deliberate to open in New York’s LaGuardia Airport (LGA). Nevertheless, there are not any set opening dates for these areas but.

Whereas there are solely three Capital One Lounges open for now, Enterprise X cardholders additionally get a complimentary Precedence Go lounge membership (with the flexibility to herald as much as two company touring with you) and entry to over 100 Plaza Premium lounges (with the flexibility to herald as much as two company for no extra cost).

Nevertheless, what makes the Enterprise X’s lounge privileges much more compelling is that licensed customers can get pleasure from the identical lounge entry privileges as the first cardholder. So, you possibly can add 4 free licensed customers to your card, and every can go to all the lounges named above whereas additionally bringing in company.

If in case you have a big household, this profit could possibly be invaluable. Simply know that an grownup should accompany company underneath 18 years previous.

Associated: Huge household? No drawback! Get limitless lounge company with this bank card

For example you opened the Enterprise X after which added 4 extra customers. You and every of your licensed customers would every have the ability to get into Capital One and collaborating Plaza Premium lounges together with two company every. Add all of it collectively — 5 cardholders plus two company apiece — and you would get 15 vacationers into the airport lounge altogether (a type of folks being you).

And the visitor coverage for Enterprise X cardholders is even higher at Precedence Go lounges: limitless company — not unhealthy for a single bank card.

Simply notice that the precise process for accessing these lounges varies:

• Capital One Lounges: Present your Enterprise X card and eligible, same-day boarding go for entry.
• Precedence Go lounges: Register on your complimentary Precedence Go membership at this hyperlink utilizing your Enterprise X particulars. Then, current your Precedence Go card and eligible, same-day boarding go for entry.

This is applicable to each the first cardholder and licensed customers on the cardboard.

Complimentary Hertz President’s Circle elite standing

Hertz’s partnership with Capital One grants complimentary Hertz President’s Circle elite standing to Enterprise X main cardholders and licensed customers. This top-tier standing will get you a assured one-class automotive improve, 50% bonus factors on all leases, entry to a broader vary of automobiles and a devoted customer support line.

Eligible cardholders should enroll by means of the Capital One web site or cell app. Cardholders can discover the hyperlink to register by visiting their eligible card’s “Rewards” tab or “Capital One Journey Advantages” tab and clicking on the Hertz profit tile. Major cardholders should enroll licensed customers by means of this identical course of.

You may also stack this profit with the flexibility to earn further miles on rental automotive bookings made with Capital One Journey. You may get your Hertz perks and earn 10 miles per greenback spent on leases booked with Capital One Journey, which is not a stacking mixture obtainable with different playing cards, portals or rental companies. On this method, you are assured the most effective of each worlds.

Buy and journey protections

The Capital One Enterprise X is a Visa Infinite card, so there are a number of vital journey and buy protections that each the first cardholder and licensed person(s) can depend on:

• Journey cancellation and interruption insurance coverage: As much as $2,000 per individual for pay as you go, nonrefundable tickets for you and fast members of the family.
• Journey delay reimbursement: As much as $500 per individual for affordable bills like lodge rooms, meals, toiletries or garments when your flight is delayed in a single day or by six hours or extra.
• Misplaced baggage reimbursement: As much as $3,000 per lined journey if the airline damages or loses your baggage.
• Cellphone safety: As much as $800 in protection per declare with a most of two claims and $1,600 per 12-month interval. A $50 deductible applies per prevalence.
• Major rental automotive insurance coverage: As much as $75,000 on account of injury brought on by collision or theft to a rental automotive.
• Buy, prolonged guarantee and return protections: As much as $10,000 per declare and $50,000 per account on purchases; warranties prolonged by a further yr; return as much as $300 per merchandise and $1,000 per account.

Which advantages do Enterprise X licensed customers share?

Licensed customers on the Enterprise X don’t obtain their very own $300 annual credit score or one other World Entry or TSA PreCheck software charge credit score. Every of those is proscribed to a single credit score per account. Which means these credit ought to apply to eligible fees made with a further card on the account, however they may depend in opposition to the first cardholder’s profit.

Likewise, solely the first cardholder will obtain the ten,000-mile anniversary bonus.

That mentioned, licensed customers’ spending racks up Capital One miles on the identical charges as the first card, and their purchases will depend towards the cardboard’s minimal spending requirement to earn the introductory bonus. So, including customers to your account and having them spend (responsibly) in your behalf might show you how to snag these 75,000 bonus miles even quicker.

The right way to add licensed customers to your Enterprise X

When you determine so as to add licensed customers to your Enterprise X, head over to your Capital One account and search for the “I Need To” button on the best aspect of the display. Then, click on “Add Account Consumer.”

You will then must determine the extent of entry you need to present to your licensed person. You may have two choices:

• Account supervisor
• Licensed person

Here is a full chart of what main cardholders, account managers and licensed customers can entry.

When you assessment the choices and make your choice, you will enter your licensed person’s first and final title, cellphone quantity, date of delivery and Social Safety quantity.

Learn extra: Every little thing you might want to find out about licensed customers

Backside line

There is no query about it: Capital One Enterprise X Rewards Credit score Card offers beneficiant advantages to licensed customers. The very best half is which you can add 4 extra cardholders at no extra value, making the Enterprise X inexpensive for bigger households and teams. Subsequent time you go to a Capital One, Precedence Go or Plaza Premium lounge, you can herald the entire squad thanks to those licensed person advantages.

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Study extra: Capital One Enterprise X Rewards Credit score Card

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For Capital One merchandise listed on this web page, a few of the advantages could also be offered by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

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 period of the provide. Please notice, enrolling by means of the conventional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) is not going to robotically detect a cardholder as being eligible for this system and cardholders is not going to be robotically upgraded to the relevant standing tier. Extra phrases apply

For charges and charges of The Platinum Card from American Categorical, click on right here.