Why it is best to add approved customers on the Capital One Enterprise X

The Capital One Enterprise X Rewards Credit score Card has carved out a powerful place within the premium rewards bank card market, giving legacy playing cards like The Platinum Card® from American Specific and the Chase Sapphire Reserve® (see charges and costs) a run for his or her cash.

Whereas the Enterprise X’s $395 annual charge continues to be one thing to contemplate, it is a lot decrease than what Capital One’s rivals cost. Not solely are the cardboard’s perks aggressive, however many even prolong to approved customers — and cardholders can add as much as 4 approved customers at no further value. (Nonetheless, there are some modifications coming in February, that are defined under.)

Let’s assessment the complete suite of advantages that further customers of the Enterprise X card can get pleasure from. Particularly, we’ll spotlight the rising variety of lounges you and your touring companions can all go to collectively.

Enterprise X overview

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

For a $395 annual charge, Enterprise X cardholders obtain:

• Welcome bonus: Earn 75,000 bonus Capital One miles after spending $4,000 on purchases within the first three months from account opening. This provide is price $1,388 based mostly on TPG’s September 2025 valuations.
• Incomes charges: Earn 10 miles per greenback spent on accommodations 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 if you e book journey together 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 complimentary visitors (every visitor after that can value $45).*
• Precedence Move membership: Take pleasure in entry to greater than 1,300 Precedence Move lounges worldwide for you and as much as two visitors touring with you.*
• International Entry or TSA PreCheck reimbursement: Obtain as much as a $120 assertion credit score each 4 years for both Trusted Traveler Program.
• No overseas transaction charges

*Visitor entry is about to alter beginning Feb. 1, 2026.

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

Enterprise X lounge coverage modifications

Enterprise X cardholders will quickly discover some main modifications to the lounge entry coverage for visitors and approved customers. The next modifications will take impact Feb. 1, 2026:

• Approved customers will not obtain complimentary lounge entry; as an alternative, main cardholders must pay $125 per approved consumer (as much as 4 customers) for them to obtain lounge entry.
• Major cardholders and approved customers will not have the ability to herald visitors to Capital One lounges without cost except they spend no less than $75,000 on their card in a calendar yr; if not, visitors will value $45 per grownup and $25 for kids 17 and youthful (youngsters below 2 proceed to enter without cost).
• Equally, Precedence Move visitor entry will not be complimentary and can value $35 per visitor, even should you spend $75,000 or extra in your card.

Which Enterprise X advantages apply to further cardholders?

Whereas the Enterprise X’s $395 annual charge could appear excessive on paper, one key profit is the power so as to add as much as 4 approved customers for no further cost. That is necessary contemplating the Amex Platinum and the Chase Sapphire Reserve each cost $195 per approved consumer (see charges and costs for the Amex Platinum).

This makes the Enterprise X a way more inexpensive possibility for {couples} and households, plus many perks prolong to approved customers as properly.

Airport lounge entry

Cardholders and approved customers obtain entry to Capital One’s lounges at:

The facilities — like Peloton bikes and premium, domestically sourced eats — are excellent.

Nonetheless, it is necessary to notice once more that starting Feb. 1, 2026, visitor entry for the first cardholder and lounge entry for approved customers is altering and can not be complimentary.

At present, Enterprise X cardholders additionally get a complimentary Precedence Move lounge membership (with the power to deliver as much as two complimentary visitors touring with them).

Nonetheless, what makes the Enterprise X’s lounge privileges much more compelling is that approved customers can get pleasure from the identical lounge entry privileges as the first cardholder. So, you may add 4 free approved customers to your card, and every can go to all of the lounges named above whereas additionally bringing in visitors. When you have a big household, this profit might be invaluable.

Simply know that an grownup should accompany visitors below 18 years outdated.

For example you opened the Enterprise X after which added 4 further customers. You and every of your approved customers would have the ability to get into Capital One and collaborating Precedence Move lounges, together with two complimentary visitors every. Add all of it collectively — 5 cardholders plus two visitors apiece — and you might get 15 vacationers into the airport lounge altogether (a kind of individuals being you).

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

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

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

Associated: The ten finest Precedence Move lounges all over the world

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 approved 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 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 approved customers by means of this identical course of.

You can even stack this profit with the power to earn further miles on rental automotive bookings made with Capital One Journey. You will 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 businesses. On this means, you are assured the very best of each worlds.

**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 that enrolling by means of the traditional Hertz Gold Plus Rewards enrollment course of (e.g., at hertz.com) won’t routinely detect a cardholder as being eligible for this system, and cardholders won’t be routinely upgraded to the relevant standing tier. Further phrases apply.

Buy and journey protections

The Enterprise X is a Visa Infinite card, so there are a number of necessary journey and buy protections that each the first cardholder and approved customers can rely on:

• Cellphone safety: Obtain 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.
• Misplaced baggage reimbursement: Obtain as much as $3,000 per lined journey if the airline damages or loses your baggage.
• Major rental automotive insurance coverage: Obtain as much as $75,000 attributable to harm attributable to collision or theft to a rental automotive.
• Buy, prolonged guarantee and return protections: Obtain as much as $10,000 per declare and $50,000 per account on purchases. Warranties are prolonged by an extra yr. Return protections are for as much as $300 per merchandise and $1,000 per account.
• Journey cancellation and interruption insurance coverage: Obtain as much as $2,000 per individual for pay as you go, nonrefundable tickets for you and fast relations.
• Journey delay reimbursement: Obtain as much as $500 per individual for affordable bills like resort rooms, meals, toiletries or garments when your flight is delayed in a single day or by six hours or extra.

Which advantages do not Enterprise X approved customers obtain?

Approved customers on the Enterprise X don’t obtain their very own $300 annual credit score or one other International Entry or TSA PreCheck software charge credit score. Every of those is proscribed to a single credit score per account. Meaning these credit ought to apply to eligible expenses made with an extra card on the account, however they are going to rely in opposition to the first cardholder’s profit.

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

That stated, approved customers’ spending racks up Capital One miles on the identical charges as the first card, and their purchases will rely 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 may enable you to snag these 75,000 bonus miles even quicker.

Easy methods to add approved customers to your Enterprise X

When you resolve so as to add approved customers to your Enterprise X, go to your Capital One account and search for the “I Need To” button on the appropriate aspect of the display. Then, click on “Add Account Consumer.”

You may then need to resolve the extent of entry you need to present to your approved consumer. You have got two choices:

• Account supervisor
• Approved consumer

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

When you assessment the choices and make your choice, you may enter your approved consumer’s first and final identify, cellphone quantity, date of delivery and Social Safety quantity.

Backside line

There is no query about it: The Capital One Enterprise X offers beneficiant advantages to approved customers. The most effective half is that you could add 4 further cardholders at no further value, making the Enterprise X inexpensive for bigger households and teams.

Subsequent time you go to a Capital One or Precedence Move lounge, you might be able to herald the entire squad thanks to those approved consumer advantages. Simply concentrate on the lounge entry modifications coming in February.

For extra info, learn our full assessment of the Capital One Enterprise X.

---

Be taught extra: Capital One Enterprise X Rewards Credit score Card

---

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

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