The Capital One Enterprise Rewards Credit score Card presents strong perks for a mid-tier $95 annual payment card.
When you’ve determined it is time to apply for the Enterprise Rewards, you may wish to evaluate the eligibility standards first, particularly in the event you’ve beforehand carried different Capital One playing cards.
This is all the things it’s good to know.
Capital One Enterprise Rewards particulars
Let’s look at Enterprise Rewards’ choices, from its welcome bonus to its ongoing perks.
Present welcome bonus
New candidates can earn 75,000 bonus miles after spending $4,000 on purchases throughout the first three months from account opening.
TPG’s July 2025 valuations peg the full worth of this bonus at $1,388. That is the usual welcome supply we usually see on this card.
There are two main methods to make the most of these miles. One possibility is to redeem your Capital One miles for any travel-related bills in your assertion. This contains Uber or Lyft rides, tolls, parking charges, rental vehicles or future bookings by means of the Capital One Journey platform. This redemption methodology presents a flat charge of 1 cent per mile.
A extra advantageous different might contain transferring your miles to Capital One’s 15-plus switch companions. Most companions supply an easy switch ratio of 1:1. By shifting your miles to a extremely profitable associate, comparable to Air Canada Aeroplan or Air France-KLM Flying Blue, you possibly can simply get important worth out of your miles.
The easiest way to get most worth out of your Capital One Journey credit score is to make use of it for a lodge keep, trip rental or automotive rental.
Each day E-newsletter
Reward your inbox with the TPG Each day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
Annual payment
The Enterprise Rewards has an annual payment of $95, which feels cheap given this card’s perks.
Incomes
The Enterprise Rewards presents an incomes charge that is easy but rewarding. You may earn:
This card is a superb possibility for individuals who do not wish to take care of monitoring a number of bonus classes and as a substitute choose incomes a flat reward charge throughout most purchases.
Different advantages
Past the welcome bonus, listed below are the continued advantages of the Enterprise Rewards:
Are you eligible to use for the Capital One Enterprise Rewards card?
When you’ve determined to use for the Enterprise Rewards, you have to know the cardboard’s eligibility necessities earlier than making use of.
What credit score rating do I have to get the Enterprise Rewards?
TPG recommends a minimal rating of 670 for approval for the Enterprise Rewards, though people with decrease scores have additionally been authorized.
Capital One particularly mentions that it’s best to have wonderful credit score to qualify. Nonetheless, we have seen a number of stories of individuals getting authorized regardless of having a credit score rating under 670. So, it is most likely value making use of even in the event you’re under that mark.
You probably have exceptionally low credit score or no credit score, it is best to attend and apply for a credit-building card as a substitute.
Capital One software guidelines
You may solely get authorized for one Capital One card each six months, so area out your functions accordingly. When you’re unsure why you bought denied for the Enterprise Rewards, this might be the explanation.
We have additionally seen stories from Reddit customers with many bank cards stating that they’ve struggled to get authorized for Enterprise playing cards regardless of in any other case being eligible. Whereas this is not a hard-and-fast rule, making use of for the Enterprise Rewards earlier in your bank card journey could also be a good suggestion.
What if I acquired a Enterprise Rewards welcome bonus prior to now?
These are the restrictions which might be particularly acknowledged within the Enterprise Rewards’ phrases and situations:
“Present or earlier cardmembers are usually not eligible for this product if they’ve acquired a brand new cardmember bonus for this product prior to now 48 months.”
What if I have already got the Enterprise X or VentureOne playing cards?
When you carry one of many Enterprise Rewards’ sister playing cards (the Capital One Enterprise X Rewards Credit score Card and Capital One VentureOne Rewards Credit score Card), you’ll nonetheless be eligible to hold the Enterprise Rewards and get the cardboard’s welcome bonus.
The one caveat is that you’re going to wish to maintain a detailed eye on the timing of your functions.
Whereas there isn’t a overarching rule, Capital One does not at all times approve individuals who already maintain a Enterprise card, even when they meet all of the eligibility standards. TPG senior factors and miles author Ben Smithson was declined for the Enterprise Rewards whereas holding the Enterprise X.
Some anecdotal proof from TPGers means that the timing of your functions is important when figuring out whether or not you may be authorized for a second Enterprise card. If the Enterprise Rewards pursuits you, guarantee it has been at the very least six months because you opened a special Enterprise card.
Associated: Bank card showdown: Capital One Enterprise Rewards vs. Capital One Enterprise X
Backside line
The Enterprise Rewards presents terrific worth for all kinds of vacationers. Happily, there are just a few restrictions concerning eligibility for the cardboard’s welcome bonus. So long as you time your functions rigorously and have a TPG-recommended credit score rating of at the very least 670, this strong rewards card will doubtless be yours.
To be taught extra, learn our full evaluate of the Capital One Enterprise Rewards.
Be taught extra: Capital One Enterprise Rewards Credit score Card
For Capital One merchandise listed on this web page, a few of the advantages could also be offered by Visa® or Mastercard® and will range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
