The Capital One Enterprise X Rewards Credit score Card has earned its popularity as one of many prime premium journey playing cards in the marketplace, and it is easy to see why. The cardboard combines simplicity, worth and genuinely helpful perks in a manner few rivals do. With its strongest welcome provide since 2021 now on the desk, I’ve lastly determined it is time to add a premium card to my pockets.
Here is why the Enterprise X is the subsequent card I am selecting.
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Big welcome bonus
I’ve had my eye on the Enterprise X for some time, however the present welcome bonus sealed the deal. Proper now, the cardboard affords 100,000 miles after spending $10,000 within the first six months — the strongest bonus we have seen since its 2021 debut. The six-month spend window makes this much more attainable than most premium playing cards, breaking down to simply underneath $1,700 monthly.
Many high-end playing cards offer you solely three months to hit an enormous spending requirement, which might really feel like a dash. However with the Enterprise X, you’ve respiratory room to earn the bonus at a practical tempo. Generally, you’ll be able to meet the Enterprise X’s welcome provide along with your on a regular basis spending (suppose: eating out, paying utility payments and buying vacation presents, amongst different examples).
As for the worth of these miles, 100,000 miles is price $1,000 towards journey at a set fee of 1 cent per mile, however you’ll be able to usually stand up to $1,850 in worth by transferring to Capital One’s airline and resort companions, based on TPG’s November 2025 valuations.
$300 annual journey credit score
The Enterprise X’s $395 annual price turns into far much less intimidating when you issue within the automated $300 annual Capital One Journey credit score. It is simple to make use of and applies to flights, motels and rental automobiles booked via the Capital One Journey portal.
When you have a full yr to make use of the credit score, I plan to make use of mine instantly towards a last-minute vacation journey to New York Metropolis with my sister. Whereas resort costs will be outrageous this time of yr, the $300 credit score will assist cut back the price of the journey, leaving room within the funds for purchasing vacation presents, eating out and having fun with a Broadway present. Reserving a resort via the portal additionally earns 10 miles per greenback spent, serving to me develop my factors steadiness whereas paying for the journey.
That $300 profit alone offsets the majority of the $395 annual price, bringing the efficient value all the way down to about $95. At that worth, lounge entry and different ongoing perks simply justify preserving the cardboard in the long run.
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That is finally why the Enterprise X is so compelling: it delivers a premium expertise with out the premium card price ticket.
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Premium journey perks
This shall be my first card with built-in lounge entry, and it is one of many greatest the reason why I am making use of for the cardboard. I’ve all the time been the “wander the terminal and purchase a granola bar I do not need” sort of traveler, however that period is formally over.
Enterprise X cardholders get entry to Capital One Lounges and Precedence Move lounges, which is a significant improve should you journey even a couple of instances a yr. My first cease would be the Capital One Lounge at Dulles Worldwide Airport (IAD) close to Washington, D.C., on an upcoming vacation journey again to the East Coast, and I am already counting down.
Whereas my new residence airport, San Francisco Worldwide Airport (SFO), does not have a Capital One Lounge, I like that the Enterprise X nonetheless provides me loads of choices via Precedence Move. No extra overpriced granola bars or combating for an outlet within the terminal for me.
Past lounge entry, the cardboard’s perks are genuinely priceless: Cardholders get 10,000 bonus miles beginning on their first anniversary, a TSA PreCheck/International Entry credit score (as much as $120 each 4 years), sturdy journey protections, main rental automotive protection and journey delay insurance coverage that may simply save them lots of when issues do not go as deliberate.
It is the primary time I’ve checked out a premium perks checklist and thought, “I will truly use virtually all of this” — and that is precisely what makes the Enterprise X really feel like such a sensible long-term card.
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Versatile, priceless miles
One other key motive why I made a decision to use for the Enterprise X is the worth and flexibility of Capital One miles.
Up till now, I have been virtually monogamous with Chase Final Rewards, and I’ve waxed poetic about my Chase Sapphire Most well-liked® Card (see charges and charges) since I bought the cardboard final yr. However now that I’ve moved past the newbie stage of factors and miles, I would like entry to several types of reward currencies. Diversifying your factors and miles is so much like diversifying your funds: The extra choices you’ve, the higher your possibilities of discovering availability, candy spots and actual worth.
That is the place Enterprise miles are available. Capital One companions with a number of packages that Chase does not, together with Avianca LifeMiles and Qantas Frequent Flyer, opening up redemptions I have never had entry to earlier than.
I plan to faucet into these switch companions as quickly as I earn my welcome bonus. My mother and I’ve been eyeing a mother-daughter journey to England this spring, and the Enterprise X bonus might assist make it occur.
Listed below are a couple of real looking methods I might use 100,000 Capital One miles for that journey:
The massive enchantment right here is optionality. The extra choices you’ve when award area pops up (whether or not it is enterprise class to Europe or a boutique resort with money charges you’d by no means pay), the extra possible you will e-book the journeys you truly need, not simply those that your current factors and miles permit.
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Sturdy incomes on on a regular basis purchases
Like many others, my spending does not all the time fall neatly into bonus classes, and that is the place the Enterprise X matches in. Incomes 2 miles per greenback spent on each buy means I can use it as a catchall card with out worrying I am lacking out on rewards.
And for journey bookings, the cardboard turns into much more highly effective, incomes:
- 10 miles per greenback spent on motels and rental automobiles booked via Capital One Journey
- 5 miles per greenback spent on flights and trip leases booked via Capital One Journey
For anybody who desires easy but sturdy incomes charges while not having to memorize classes, this setup is likely one of the most simple amongst premium playing cards. That is a facet of the Enterprise X that does not get sufficient credit score. Sure, the cardboard shines with premium perks, however the on a regular basis incomes construction is inherently priceless.
If you’d like a easy method to earn stable rewards on each buy and your spending fluctuates like mine, the Enterprise X makes it remarkably simple.
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Backside line
The Enterprise X strikes a uncommon steadiness of providing a beneficiant welcome bonus, versatile miles that open up new redemption choices, a easy on a regular basis incomes construction and premium perks, all for an annual price that turns into surprisingly cheap when you issue within the journey credit score. For my upcoming travels — particularly with an eye fixed on a visit to Europe this spring — the timing could not be higher.
If you happen to’re additionally in search of a premium card that delivers substantial worth with no sky-high annual price, the Enterprise X is likely one of the most compelling choices on the market.
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