The Capital One Enterprise X Rewards Credit score Card launched in 2021 and stays one of the vital thrilling bank cards available on the market.
As Capital One’s flagship card, the Enterprise X is an addition to the world of premium journey rewards playing cards, taking over incumbent gamers just like the American Specific Platinum Card® and Chase Sapphire Reserve® (see charges and charges).
The $395-per-year Enterprise X not solely undercuts its primary opponents by way of an annual price but in addition consists of precious perks, together with a $300 annual Capital One Journey credit score, entry to Capital One Lounges and Precedence Cross lounges, and a ten,000-mile anniversary bonus for every cardmember 12 months.
When you’re contemplating including the Enterprise X to your pockets, listed here are solutions to eight steadily requested questions.
Can I apply for the Enterprise X as an present Enterprise cardholder?
Probably the most urgent questions issues present Capital One clients — particularly, whether or not you possibly can apply for the Enterprise X if you have already got the equally named Capital One Enterprise Rewards Credit score Card.
The fast reply is: Sure, you possibly can apply for the Enterprise X card as an present Enterprise cardholder.
For instance, TPG’s senior editorial director, Nick Ewen, utilized for the Capital One Enterprise Rewards card shortly after it launched in 2021. Lower than a 12 months after making use of for the Enterprise Rewards, he was permitted for the Enterprise X.
Nevertheless, Capital One has lately up to date its guidelines relating to welcome bonus eligibility within the Enterprise household, introducing a 48-month rule that restricts downward motion with annual charges. This features equally to the American Specific household restrictions.
Present Enterprise X cardholders who’ve utilized for the cardboard and acquired the bonus within the final 48 months should not eligible to open a Capital One Enterprise Rewards Credit score Card or Capital One VentureOne Rewards Credit score Card.
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Fortunately, upward motion within the Enterprise household is allowed. So, in case you plan to open one of many Enterprise playing cards with a decrease annual price, you have to to work your means up. For instance, apply for the VentureOne, then the Enterprise Rewards after which the Enterprise X.
That is nice information because it means you possibly can apply for the Enterprise X’s wonderful 100,000-mile welcome bonus (after spending $10,000 on purchases throughout the first six months from account opening) and rack up much more Capital One miles towards journey, even when you have already got the Enterprise Rewards.
Associated: Present provide on the Capital One Enterprise X
What are the appliance restrictions for Capital One playing cards?
Capital One has a hard-and-fast rule relating to software timing. You possibly can sometimes be permitted for just one Capital One card each six months.
Capital One can be delicate to latest credit score inquiries. Anecdotally, although, studies point out that Capital One might have made it simpler to be permitted for the Enterprise X, even in case you’ve had a number of card purposes within the latest previous.
Be strategic about while you apply. As an example, you could need to think about a Chase bank card earlier than the Enterprise X. That is as a result of this card will fall beneath Chase’s 5/24 rule, that means you probably won’t be permitted for a Chase bank card in case you’ve opened 5 or extra private bank cards throughout all banks within the final 24 months.
So, in case you’re getting near the restrict of 5 new playing cards and the Enterprise X would put you over it, you would possibly need to apply for a Chase card first and apply for the Enterprise X later down the road.
Lastly, some Capital One private playing cards — together with the Enterprise X — prohibit present and former cardmembers from making use of for the cardboard if they’ve acquired a new-cardmember bonus for the product previously 48 months.
Associated: The final word information to bank card software restrictions
Can I improve to the Enterprise X as an present Enterprise cardholder?
Based on a Capital One spokesperson, present Enterprise cardholders whose accounts are in good standing can contact the issuer’s customer support desk to see if they’re eligible for an improve to Enterprise X.
Every applicant’s state of affairs might be completely different and evaluated on a case-by-case foundation. Throughout TPG’s check calls to Capital One, cellphone brokers supplied to improve most of our Enterprise Rewards playing cards to the Enterprise X. Nevertheless, they reiterated that cardholders wouldn’t be eligible for a welcome bonus.
That stated, one among our employees members was knowledgeable that they weren’t eligible to improve their Enterprise to the Enterprise X after being denied as a brand new applicant. Because the saying goes, your mileage might range.
In fact, evaluating whether or not it is best to improve or apply as a brand new applicant can be essential.
Upgrades typically have zero impression in your credit score rating. In lots of instances, you will even maintain the identical account quantity. Nevertheless, you will lose out on a major welcome bonus.
That being stated, even in case you’re eligible to improve, you would possibly need to apply for the Enterprise X outright as an alternative.
Associated: Who ought to (and should not) get the Capital One Enterprise X card?
Can I mix my Capital One miles throughout a number of playing cards?
Sure, you possibly can mix your Capital One Enterprise miles from playing cards such because the Capital One Enterprise and Capital One Enterprise X.
You could have the playing cards linked with the identical Capital One on-line profile to do that. Then, log in to your account, navigate to the rewards part and choose the “Transfer Rewards” possibility.
Associated: Capital One miles: Learn how to earn, redeem and switch rewards
Is there a price so as to add licensed customers to the Enterprise X?
There is no such thing as a price so as to add licensed customers. You possibly can add as much as 4 licensed customers.
What are the licensed person advantages on the Enterprise X?
Enterprise X licensed customers could have the identical advantages as the first cardholder, together with journey, buy, baggage and rental automotive protections (detailed under). As well as, licensed customers obtain complimentary entry for themselves and as much as two visitors per go to to Capital One Lounges and for themselves and all accompanying visitors to greater than 1,700 Precedence Cross lounges worldwide. Nevertheless, lounge entry insurance policies for licensed customers and visitors will change beginning Feb 1, 2026.
After this date, if you would like your licensed customers to have lounge entry, you will must pay $125 yearly per licensed person. Moreover, you will must spend $75,000 in a calendar 12 months to keep up free visitor entry; in any other case, grownup visitors will value $45 every and youngsters age 17 and beneath $25 every (kids beneath 2 will stay free at Capital One lounges).
No matter spending, visitor entry for Precedence Cross lounges will value $35 per visitor after Jan. 31, 2026.
Presently, 5 Capital One Lounges and one Touchdown location are open:
The first cardholder and licensed customers obtain Hertz President’s Circle standing*.
Associated: Stacking rental automotive perks with Hertz and the Enterprise X
What journey and procuring protections does the Enterprise X provide?
Much like the Chase Sapphire Reserve, the Enterprise X is denoted as a Visa Infinite bank card and features a host of protections when utilizing your card:
- Journey cancellation and interruption insurance coverage: As much as $2,000 per particular person for you and fast relations for pay as you go, nonrefundable tickets.
- Journey delay reimbursement: As much as $500 per particular person for cheap bills like lodge rooms, meals, toiletries and garments when your flight is delayed in a single day or by six hours or extra.
- Misplaced baggage reimbursement: For widespread service tickets, as much as $3,000 per coated journey if the airline damages or loses your baggage.
- Cellphone safety: Through the use of 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 per prevalence.
- Major rental automotive insurance coverage: As much as $75,000 as a result of injury brought on by collision or theft to a rental automotive.
- Buy, prolonged guarantee and return safety: As much as $10,000 per declare and $50,000 per account on purchases; warranties prolonged by an extra 12 months; returns as much as $300 per merchandise and $1,000 per account.
Like another premium card applications, the Visa Infinite program additionally features a devoted concierge service that may help with journey and eating preparations, procuring, entry to unique occasions, and extra.
Associated: Clear Plus increasing concierge airport service for members
What forms of rental automotive advantages and protections do I obtain with the Enterprise X?
The Enterprise X gives complimentary Hertz President’s Circle standing*, which gives perks equivalent to assured one-class automotive upgrades, 50% bonus factors, a free extra driver (partner or home associate; within the U.S.) and a devoted Hertz customer support quantity.
After logging in, major cardholders should enroll by way of the advantages tab on the Capital One web site or app. Licensed customers are additionally eligible for the profit. After profitable registration, Hertz will course of the request, and the standing might be efficient 24-72 hours after registration.
By means of Visa Infinite, you may as well get major rental automotive protection for as much as $75,000 as a result of injury to a rental automotive brought on by collision or theft. You are solely eligible for protection while you hire for as much as 15 consecutive days within the U.S. or as much as 31 consecutive days in different nations.
Associated: Bank card rental automotive insurance coverage: Greatest playing cards and the way it works
Backside line
The Capital One Enterprise X Rewards Credit score Card appeals to a bigger viewers than you would possibly understand. When you’re a present Enterprise cardholder, it’s higher to use for the Enterprise X than improve, as you possibly can earn a welcome bonus.
The Enterprise X gives many advantages, together with an annual $300 Capital One journey credit score, lounge entry, and a sturdy suite of journey and buy protections, all with a a lot decrease annual price ($395) than related playing cards.
To learn extra in regards to the card, try our full assessment of the Enterprise X.
Study extra: Capital One Enterprise X Rewards Credit score Card with 100,000 bonus miles after you spend $10,000 on purchases within the first six months from account opening.
For Capital One merchandise listed on this web page, among the advantages could also be supplied by Visa® or Mastercard® and will range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
*Upon enrollment, accessible by way of the Capital One web site or cell app, eligible cardholders will stay at that standing degree by way of the length of the provide. Please notice, enrolling by way of the traditional 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. Further phrases apply.
