The Capital One Enterprise Rewards Credit score Card offers nice worth to occasional vacationers who need to maximize the miles they earn. This card contains a $95 annual price and earns not less than 2 miles per greenback on all purchases.
Its flashier sibling, the $395-annual-fee Capital One Enterprise X Rewards Credit score Card, provides an enhanced journey expertise to compete with different premium merchandise like The Platinum Card® from American Specific and the Chase Sapphire Reserve® (see charges and costs).
For those who do not carry both card — the Enterprise Rewards or the Enterprise X — you could surprise: Do you have to apply for the well-established, crowd-pleasing Enterprise Rewards or go premium with the luxe Enterprise X?
Let’s look at each playing cards that will help you determine which Capital One card is the best choice.
Capital One Enterprise Rewards vs. Capital One Enterprise X comparability
| Card | Capital One Enterprise Rewards | Capital One Enterprise X |
|---|---|---|
| Annual price | $95 | $395 |
| Welcome provide | Earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. | Earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. |
| Incomes charges |
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| Different advantages |
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| International transaction charges | None | None |
Capital One Enterprise Rewards vs. Capital One Enterprise X welcome provide
The Enterprise Rewards and Enterprise X have the identical welcome provide: New cardholders can earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.
Each provides are price $1,388 primarily based on TPG’s August 2025 valuations, so you may get strong worth from the bonus irrespective of which card you select.
Winner: Tie. Each playing cards present the identical welcome provide.
Associated: Find out how to redeem Capital One’s 75,000 bonus miles welcome provide for max worth
Capital One Enterprise Rewards vs. Capital One Enterprise X advantages
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Conversely, the Enterprise X has a stronger record of advantages that greater than justify its larger annual price in the event you can maximize them.
As a cardholder, you may get a $300 annual credit score for bookings made by Capital One Journey.
Presently, Enterprise X cardholders and their approved customers get complimentary entry to Capital One lounges and might deliver two visitors free of charge. Beginning Feb. 1, 2026, you may must spend $75,000 in a calendar yr to maintain free visitor entry; in any other case, adults will value $45 every, youngsters 17 and beneath $25, and youngsters beneath 2 stay free.
With the Enterprise X, you may additionally get a Precedence Move lounge membership to over 1,700 areas worldwide. Visitors can once more be part of at no extra value till Jan. 31, 2026, after which you may should pay $35 per visitor.
A further advantage of Enterprise X is that you could add a restricted variety of approved customers for no extra price. Nevertheless, beginning Feb. 1, 2026, if you’d like your approved consumer to have lounge entry, you may should pay $125 for the privilege.
You may additionally obtain 10,000 bonus miles, price $185 based on TPG’s August 2025 valuations, at every cardholder anniversary, together with entry to Capital One’s Life-style Assortment and the luxurious Premier Assortment of motels, journey protections, prolonged guarantee safety and cellphone safety.
Winner: Enterprise X. Because the extra premium card providing, it has a way more sturdy record of advantages than the Enterprise Rewards.
Associated: Is the Capital One Enterprise X definitely worth the $395 annual price?
Incomes miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
With the Enterprise Rewards, you may earn 5 miles per greenback spent on motels, trip leases and rental automobiles booked by Capital One Journey. Nevertheless, when you’ve got the Enterprise X, you may earn 10 miles per greenback spent on motels and rental automobiles booked by Capital One Journey and 5 miles per greenback spent on flights and trip leases booked by the identical portal.
Winner: Enterprise X. It earns double the miles because the Enterprise Rewards on motels and rental automobiles booked by Capital One Journey. The Enterprise X additionally earns bonus miles on flights booked by Capital One Journey, whereas the Enterprise Rewards doesn’t.
Associated: 7 varieties of purchases it’s best to make together with your Capital One Enterprise Rewards card
Redeeming miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
You may get essentially the most worth by transferring your miles to one in all Capital One’s 15-plus switch companions, however it’s also possible to redeem them for an announcement credit score to cowl journey purchases or reward playing cards at a flat price of 1 cent per mile.
Each playing cards mean you can redeem your miles for money again, however you may get a a lot decrease price of 0.5 cents per mile, so we suggest avoiding this selection every time doable.
Winner: Tie. Each playing cards provide the similar choices to redeem your miles.
Associated: Do you have to switch Capital One miles to companions or redeem immediately for journey?
Transferring miles with the Capital One Enterprise Rewards vs. Capital One Enterprise X
Among the best issues about each the Enterprise Rewards and the Enterprise X is that they mean you can switch your miles to one in all Capital One’s 15-plus resort and airline companions, together with beneficial choices like Air France-KLM Flying Blue, British Airways Membership and Turkish Airways Miles&Smiles.
And in the event you can make the most of a welcome bonus, you may get much more worth out of your miles. As an example, TPG senior factors and miles author Ben Smithson will get strong worth from his miles by transferring them to Air Canada Aeroplan and Flying Blue.
Winner: Tie. Each the Enterprise Rewards and Enterprise X switch to the identical companions on the similar charges.
Associated: Cashing in Capital One miles? Find out how to get the utmost worth when redeeming miles
Ought to I get the Capital One Enterprise Rewards or Capital One Enterprise X?
For those who’re centered on retaining your annual price prices low, go together with the Enterprise Rewards. You may get a powerful incomes price, the flexibility to make the most of Capital One’s switch companions and a few journey advantages for only a $95 annual price. Nevertheless, if you’d like airport lounge entry and might maximize its $300 annual credit score, the Enterprise X is the higher alternative.
Associated: Who ought to (and should not) get the Capital One Enterprise X card?
Find out how to improve from the Capital One Enterprise Rewards to the Capital One Enterprise X
If you have already got Enterprise Rewards and need to improve to Enterprise X, you possibly can name the quantity on the again of your card and request a product change. You will not be capable to make the most of your new card’s welcome provide, but it surely’s a great way to get extra advantages with out worrying about eligibility.
You can too downgrade from the Enterprise X to the Enterprise Rewards by the identical technique.
Associated: How Enterprise X saved me over $6,000 on a summer season journey to France
Backside line
The Enterprise X is a good card for individuals who can make the most of its airport lounge entry and annual journey credit score, whereas the Enterprise Rewards is a greater match for anybody trying to maintain their annual price prices low. No matter which card you select, you may get strong journey advantages and earn beneficial transferable rewards.
To study extra, learn our full opinions of the Enterprise Rewards and Enterprise X.
Be taught extra: Capital One Enterprise Rewards
Be taught extra: Capital One Enterprise X
For Capital One merchandise listed on this web page, among the advantages could also be offered by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
