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Our consultants reply readers' bank card questions and write unbiased product evaluations (this is how we assess bank cards). In some circumstances, we obtain a fee from our companions; nonetheless, our opinions are our personal. Phrases apply to affords listed on this web page.
Capital One Enterprise X Rewards Credit score Card
Intro provide
75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Rewards
Earn limitless 10X miles on motels and rental vehicles booked by way of Capital One Journey. Earn 5X miles on flights booked by way of Capital One Journey. Earn limitless 2X miles on all different purchases.
Capital One Enterprise X Rewards Credit score Card
Intro provide
75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Rewards
Earn limitless 10X miles on motels and rental vehicles booked by way of Capital One Journey. Earn 5X miles on flights booked by way of Capital One Journey. Earn limitless 2X miles on all different purchases.
Capital One Enterprise X Rewards Credit score Card
Particulars
Rewards
Earn limitless 10X miles on motels and rental vehicles booked by way of Capital One Journey. Earn 5X miles on flights booked by way of Capital One Journey. Earn limitless 2X miles on all different purchases.
Intro provide
75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Really useful Credit score
Wonderful
Common Annual Proportion Fee (APR)
21.24% - 28.24% Variable
Professionals & Cons
Highlights
Extra Studying
Capital One has made important enhancements to its rewards program in latest months, together with including new airline and lodge companions, introducing branded airport lounges, and upgrading the Capital One Journey portal.
The Capital One Enterprise X Rewards Credit score Card is filled with advantages like journey credit and airport lounge entry, with an annual charge that is considerably decrease than competing playing cards just like the Chase Sapphire Reserve® and The Platinum Card® from American Specific
.
Capital One Enterprise X Assessment: Is the Capital One Enterprise X the Finest Credit score Card for You?
The Capital One Enterprise X Rewards Credit score Card affords a welcome bonus of 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening — price $1,275 in journey, based mostly on Insider's factors and miles valuations.
The annual charge is $395, so this card is not for everybody.
And different advantages can get you much more worth, together with as much as $300 per yr in assertion credit towards journey booked by way of Capital One, Precedence Cross, Plaza Premium, and Capital One airport lounge entry (even for licensed customers), a ten,000-mile bonus on every account anniversary (price $100 in journey), and Visa Infinite journey and buy advantages.
These perks make the Capital One Enterprise X Rewards Credit score Card extremely aggressive in comparison with different premium bank cards. Most related playing cards have annual charges in extra of $500 — for instance, the Chase Sapphire Reserve® costs $550 per yr, and the Platinum Card is much more with a $695 annual charge.
In case you're in search of a premium bank card, this is what to know to assist determine if the Capital One Enterprise X Rewards Credit score Card is greatest for you.
Insider's Featured Rewards Credit score Playing cards
Earn 5x factors on all journey bought by way of Chase Final Rewards. Earn 3x factors on eating, together with eligible supply providers, takeout, and eating out. Earn 3x factors on choose streaming providers. Earn 3x factors on on-line grocery purchases (excluding Goal, Walmart, and wholesale golf equipment). Earn 2x factors on different journey. Earn 1x level per greenback on all the pieces else.
60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening
Earn 3x ThankYou® factors on restaurant, grocery store, fuel station, air journey, and lodge purchases. Earn 1x ThankYou® factors on all different purchases.
60,000 bonus ThankYou® Factors after you spend $4,000 in purchases inside the first three months of account opening
20,000 bonus factors once you spend $1,000 in purchases within the first three months from account opening
We're centered right here on the rewards and perks that include every card. These playing cards will not be price it in the event you're paying curiosity or late charges. When utilizing a bank card, it is vital to pay your steadiness in full every month, make funds on time, and solely spend what you'll be able to afford to pay.
Capital One Enterprise X Rewards
Enterprise X welcome bonus provide
New Capital One Enterprise X Rewards Credit score Card cardholders can earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening. That is price a straightforward $750 in journey once you redeem your miles to offset journey purchases or guide by way of the Capital One Journey Portal.
It is potential to squeeze a lot extra worth from the bonus once you switch your miles to Capital One's airline and lodge companions, which is why Insider's factors and miles valuations peg Capital One miles as price 1.7 cents apiece, on common. The worth you may get will depend on the way you determine to redeem your miles and which companions you employ, however you'll be able to anticipate to get round $1,275 in journey from the bonus once you redeem this fashion.
How you can earn miles with the Capital One Enterprise X
The Capital One Enterprise X Rewards Credit score Card has an easy incomes construction that rewards all purchases with at the very least 2 miles per greenback spent. Cardholders earn:
- 10x miles on motels and automobile leases booked by way of Capital One Journey
- 10x miles when reserving on Turo (provide ends Might 16, 2023)
- 5x miles on flights booked by way of Capital One Journey
- 2x miles on all different eligible purchases
For individuals who guide journey by way of the Capital One portal, this card may very well be extremely profitable. Incomes 10x miles on lodge and automobile rental bookings successfully quantities to at the very least 10% again, as a result of Capital One miles are price 1 cent apiece once you redeem them for journey — and doubtlessly extra once you switch your miles to airline and lodge companions.
So, for instance, a $100 lodge keep booked by way of the portal would earn 1,000 Capital One miles — price $10 once you use them to "erase" a journey buy made together with your card.
How you can use Capital One miles
Redeeming Capital One miles may be very straightforward, and you've got a number of choices.
The best methodology is to make use of miles to offset eligible journey purchases made together with your card inside the previous 90 days. When you make an eligible journey buy, you'll be able to redeem miles to "erase" the cost at a fee of 1 cent every. Eligible journey purchases embrace airways, motels, rail strains, automobile rental businesses, limousine providers, bus strains, cruise strains, taxi cabs, journey brokers, and timeshares.
It's also possible to redeem miles immediately once you guide journey by way of the Capital One Journey portal, additionally at a fee of 1 cent per mile. Nonetheless, you possibly can doubtlessly get extra worth once you switch Capital One miles to airline and lodge companions:
It's also possible to use miles for present playing cards on the identical fee of 1 cent per mile, however do not use your miles for cash-back redemptions. If you do, you solely get half a cent per mile in worth, which is simply not price it.
Capital One Enterprise X Advantages and Options
The Capital One Enterprise X Rewards Credit score Card is a Visa Infinite card, which comes with premium advantages and extra options than different Visa playing cards. If you should use these perks, you possibly can stand to get a price nicely in extra of the cardboard's annual charge.
As much as $300 per yr in journey assertion credit
Every year, Capital One Enterprise X Rewards Credit score Card cardholders obtain as much as $300 in assertion credit towards journey booked by way of the Capital One Journey portal.
Presently, the portal means that you can guide flights, motels, and automobile leases, and it affords options you will not discover on competing websites, together with worth prediction, worth watches, and worth drop safety.
Capital One Journey
Capital One Enterprise X Rewards Credit score Card cardholders get entry to Capital One Journey, a reserving platform for flights, motels, and rental vehicles. If you use your card to pay for motels and rental vehicles by way of the portal, you may earn 10x miles, and flights earn 5x miles. It's also possible to redeem miles at a fee of 1 cent every to pay to your bookings, and get entry to helpful instruments together with worth prediction, worth watch, and a worth match assure.
Entry to Premier Assortment
Solely for Capital One Enterprise X Rewards Credit score Card and Capital One Enterprise X Enterprise Card
cardholders, the Premier Assortment is Capital One's luxurious lodge reserving program. It affords entry to lots of of upscale chain and impartial properties across the globe, and once you guide through the Premier Assortment, you may get unique, elite-like lodge advantages comparable to:
- A $100 expertise credit score towards eating, spa, and different lodge actions
- Each day breakfast for 2
- Complimentary Wi-Fi
- Early check-in and late checkout when accessible
- Room upgrades when accessible
To guide a Premier Assortment lodge, signal into your Capital One on-line account, navigate to Capital One Journey, and discover the "Premier Assortment" tab. Alternately, once you seek for properties by way of the "Lodges" tab, Premier Assortment motels shall be labeled as such.
Precedence Cross, Plaza Premium, and Capital One airport lounge entry (licensed customers, too)
Capital One now affords its personal branded airport lounges, the primary of which is now open at Dallas Fort Price airport (DFW), with two extra slated to open in Denver (DEN) and Washington, DC (IAD). Capital One Enterprise X Rewards Credit score Card cardholders obtain free entry for themselves and as much as two visitors, with extra visitors at a lowered fee of $45.
Cardholders and as much as two visitors additionally obtain free entry to over 100 Plaza Premium Lounges worldwide, together with home Virgin Atlantic Clubhouses and different airline-branded lounges operated by Plaza Premium.
As well as, cardholders obtain Precedence Cross airport lounge membership, which permits entry to over 1,300 airport lounges — and this membership contains entry for limitless visitors, pending area availability within the lounge.
Licensed customers additionally obtain their very own entry to Capital One, Plaza Premium, and Precedence Cross lounges. Most different premium playing cards cost a charge so as to add licensed customers, however the Capital One Enterprise X Rewards Credit score Card doesn't — you are allowed as much as 4 extra cardholders at no cost.
Anniversary bonus
Capital One Enterprise X Rewards Credit score Card cardholders obtain 10,000 bonus miles on every account anniversary, beginning on the primary card anniversary. This bonus is price $100 in journey (or doubtlessly extra in the event you switch your miles to airline and lodge companions), and is a good way to assist offset the annual charge.
International Entry or TSA PreCheck software charge credit score
As soon as each 4 years, Capital One Enterprise X Rewards Credit score Card cardholders can obtain a press release credit score of as much as $100 for the International Entry or TSA PreCheck software charge.
International Entry, which fast-tracks your re-entry to the US once you journey overseas, contains TSA PreCheck, so it is the higher selection. In case you're already a member of one among these trusted traveler applications, you should use this profit to pay for another person's software charge and get reimbursed.
Rental automobile elite standing
Capital One Enterprise X Rewards Credit score Card cardholders, account managers, and licensed customers obtain automated Hertz President's Circle elite standing, which comes with perks like assured upgrades, skip the counter and e-return, a free extra driver, and extra.
Cellphone safety
The Capital One Enterprise X Rewards Credit score Card comes with cellphone safety for the first cardholder and any licensed customers.
If you use the cardboard to pay your month-to-month wi-fi invoice, you are eligible for 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.
Major automobile rental insurance coverage
If you use your Capital One Enterprise X Rewards Credit score Card to lease a automobile and decline the rental firm's collision harm waiver, the card's major automobile rental insurance coverage can cowl you for harm attributable to collision or theft on most autos within the US and overseas.
Some exceptions apply so you should definitely learn the full information to advantages for the main points.
Journey accident insurance coverage
If you pay to your air, bus, cruise, or prepare transportation with the Capital One Enterprise X Rewards Credit score Card, you are eligible for unintended loss of life or dismemberment protection of as much as $1,000,000.
Journey cancellation/interruption insurance coverage
In case you've paid for an eligible journey with the Capital One Enterprise X Rewards Credit score Card and it is reduce quick or canceled for a coated purpose like sickness or extreme climate, the cardboard's journey insurance coverage can reimburse you as much as $2,000 per particular person (you and fast members of the family) for pre-paid, non-refundable tickets.
Journey delay reimbursement
If you use your Capital One Enterprise X Rewards Credit score Card to pay to your fare, you and your fast household can get reimbursed by the card's journey delay insurance coverage as much as $500 per particular person 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
If the airline damages or loses your baggage, you and your fast members of the family may very well be coated for as much as $3,000 per coated journey so long as you have paid to your tickets with the Capital One Enterprise X Rewards Credit score Card.
Return safety
In case you've bought an eligible merchandise together with your Capital One Enterprise X Rewards Credit score Card and wish to return it, however the service provider will not take it again, you are eligible for return safety inside 90 days of buy. Protection is for as much as $300 per merchandise and an annual most of $1,000 per account.
Buy safety
If an eligible merchandise you have purchased with the Capital One Enterprise X Rewards Credit score Card is broken or stolen inside 90 days of buy, you possibly can be eligible for as much as $10,000 in reimbursement per buy safety declare, and as much as $50,000 per account.
Prolonged guarantee
The Capital One Enterprise X Rewards Credit score Card extends the time interval of a US producer's guarantee on eligible gadgets by an extra yr, on warranties of three years or much less once you pay with the cardboard.
Visa Infinite concierge
The Visa Infinite concierge is a 24/7 service for cardholders that may provide help to organize issues like hard-to-get restaurant reservations, occasion tickets, and extra.
Journey and emergency help providers
In case you're touring away from dwelling and issues go awry, you will get assist with issues like medical and authorized referrals, translation providers, and different emergency help. This service is free, however any third-party prices are your duty.
Capital One Leisure
Capital One Leisure is a more recent characteristic that provides cardholders entry to unique experiences, live performance and theater tickets, festivals, sporting occasions, and extra. You'll be able to redeem miles out of your card to pay for these experiences, or in some circumstances, use money or a mixture of rewards and money.
Capital One Eating
The Capital One Eating platform may turn out to be useful when you've got hassle reserving hard-to-get restaurant reservations. This program is presently solely accessible in choose main metropolitan areas, but when it is in your metropolis it is price testing. Cardholders may also enter data like dietary preferences and particular occasions like birthdays into their eating profile for simple entry.
PRIOR subscription
With the Capital One Enterprise X Rewards Credit score Card, you may get a free subscription to PRIOR, a high-end journey firm that curates upscale excursions and experiences. This membership is valued at $149, and with it, you may obtain entry to a library of worldwide journey guides, a biweekly publication, and early reserving to the service's pre-built journeys (enroll right here).
Capital One Enterprise X Rewards Credit score Card
Intro provide
75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Rewards
Earn limitless 10X miles on motels and rental vehicles booked by way of Capital One Journey. Earn 5X miles on flights booked by way of Capital One Journey. Earn limitless 2X miles on all different purchases.
Capital One Enterprise X Rewards Credit score Card
Intro provide
75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Rewards
Earn limitless 10X miles on motels and rental vehicles booked by way of Capital One Journey. Earn 5X miles on flights booked by way of Capital One Journey. Earn limitless 2X miles on all different purchases.
Capital One Enterprise X Rewards Credit score Card
Particulars
Rewards
Earn limitless 10X miles on motels and rental vehicles booked by way of Capital One Journey. Earn 5X miles on flights booked by way of Capital One Journey. Earn limitless 2X miles on all different purchases.
Intro provide
75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Really useful Credit score
Wonderful
Common Annual Proportion Fee (APR)
21.24% - 28.24% Variable
Professionals & Cons
Highlights
Extra Studying
Capital One Enterprise X Annual Price and Different Prices
The Capital One Enterprise X Rewards Credit score Card costs a $395 annual charge, however in the event you profit from the cardboard's advantages, you'll be able to greater than offset the price.
You will not pay international transaction charges with the Capital One Enterprise X Rewards Credit score Card, so it is a sensible choice for worldwide purchases.
Nonetheless, as with most different playing cards, you may pay curiosity in the event you carry a steadiness (presently a 21.24% - 28.24% Variable APR). There are additionally charges for:
- Stability transfers: 3% of the quantity of every transferred steadiness that posts to your account at a promotional APR that Capital One could give you (none for balances transferred on the switch APR)
- Money advances: Both $3 or 3% of the quantity of every money advance, whichever is bigger
- Late funds: As much as $40
How the Capital One Enterprise X Compares
Capital One Enterprise X vs different Capital One playing cards
Capital One Enterprise X vs different premium bank cards
Capital One Enterprise X Often Requested Questions (FAQ)
In case you journey sufficient to utilize the cardboard's annual journey credit and perks like airport lounge entry, the Capital One Enterprise X Rewards Credit score Card is completely price it. Actually, it has a decrease annual charge than premium playing cards with related advantages, so it is a terrific worth.
That stated, in the event you will not use the journey credit score or advantages, however nonetheless wish to earn Capital One miles, you are doubtless higher off with the Capital One Enterprise Rewards Credit score Card or Capital One VentureOne Rewards Credit score Card.
To qualify for the Capital One Enterprise X Rewards Credit score Card, you may want wonderful credit score. Capital One defines wonderful credit score as follows: You have by no means declared chapter or defaulted on a mortgage, been greater than 60 days late on any bank card, medical invoice, or mortgage within the final yr, and have had a mortgage or bank card for 3 years or extra with a credit score restrict above $5,000.
Wonderful credit score additionally means a FICO rating of at the very least 800.
Sure, it is potential to get accepted for the Capital One Enterprise X Rewards Credit score Card if you have already got the Capital One Enterprise Rewards Credit score Card open. These playing cards are thought-about completely completely different merchandise. It could even be potential to improve the Capital One Enterprise Rewards Credit score Card to the Capital One Enterprise X Rewards Credit score Card, however you will not earn the welcome bonus and it is as much as Capital One to determine in the event you're eligible.
Learn our Capital One Enterprise vs Enterprise X bank card comparability in the event you're attempting to determine which card is greatest for you.
The Capital One Enterprise X Rewards Credit score Card is a Visa Infinite card.
You'll be able to add as much as 4 licensed customers without charge to your Capital One Enterprise X Rewards Credit score Card account. It is a nice deal as a result of licensed customers obtain their very own Precedence Cross membership and Capital One airport lounge entry, cellphone safety, and rental automobile elite standing.
Sure, the Capital One Enterprise X Rewards Credit score Card is a metallic card, weighing in at round 17 grams.
Methodology: How we reviewed the Capital One Enterprise X
In our evaluation of the Capital One Enterprise X Rewards Credit score Card, we in contrast it to different premium journey rewards bank cards and seemed intently at these components:
- Ease of use — Is the cardboard's rewards program accessible to learners and consultants alike? Are there many choices for utilizing miles or factors?
- Potential rewards — Are there helpful bonus classes that may speed up rewards incomes, and are any of them capped at a specific amount of spending?
- Annual charge — Is the annual charge justified based mostly on the cardboard's rewards and advantages?
- Advantages — How do the cardboard's advantages, particularly journey and premium advantages, examine to related playing cards?
For an in-depth take a look at our methodology, this is a information to how we fee bank cards at Insider.
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