Capital One Enterprise X Rewards Credit score Card overview
* Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Capital One Enterprise X is a premium rewards card with critical journey perks, helpful assertion credit and lounge entry — however for a extra budget-friendly annual payment than its rivals, $395 (see charges and charges).
The Enterprise X’s decrease annual payment, lounge entry and journey advantages that rival and even outclass its competitors are why it took house the title of the Finest Premium Journey Card on the 2024 TPG Awards.
You will want glorious credit score for this card, so TPG recommends a credit score rating of 740 or greater.
In case you are debating whether or not the Enterprise X is for you, right here is every part it’s essential know earlier than clicking that “apply” button.
Capital One Enterprise X professionals and cons
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Capital One Enterprise X welcome provide
Based on TPG’s August 2025 valuations, 75,000 Capital One miles are price $1,388, due to the outsize worth you will get from transferring Capital One miles to this system’s airline and resort companions.
And when you do not wish to navigate the complexities of transferable miles, you should utilize your Capital One miles instantly for journey at a price of 1 cent per mile, making this welcome bonus price $750.
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Associated: The perfect time to use for these common Capital One bank cards primarily based on provide historical past
Capital One Enterprise X advantages
Whereas decrease than its premium rivals, Enterprise X does carry a $395 annual payment (see charges and charges). That may initially appear to be a deterrent, however the card’s perks can offset the yearly price with minimal effort:
- Annual credit score: Get $300 in credit yearly for bookings made via Capital One Journey
- Anniversary bonus: 10,000 bonus miles each account anniversary, beginning in your first anniversary (price $185 towards journey in line with TPG’s August 2025 valuations)
- Lounge entry: Complimentary entry for cardholders per go to to Capital One Lounges and Precedence Move™ lounges (after enrollment)
As Capital One continues opening its personal airport lounges, the case for the Enterprise X turns into even stronger. Along with the issuer’s first location at Dallas Fort Price Worldwide Airport (DFW), Capital One operates lounges in:
With the Enterprise X, you will get complimentary limitless entry to those in addition to entry to greater than 1,300 lounges worldwide with Precedence Move (enrollment required).
- Auto rental collision injury waiver: Get monetary savings by saying no on the counter — lease along with your coated Visa Infinite card and get built-in auto rental protection.
- Cellphone safety: Through the use of the cardboard to pay your month-to-month wi-fi invoice, your cellphone is protected for the following calendar month.
- Prolonged guarantee safety: Lengthen your qualifying product warranties robotically once you buy utilizing your Enterprise X card.
- International Entry or TSA PreCheck: Cardholders can obtain an announcement credit score for his or her TSA PreCheck® or International Entry utility payment.
- Journey cancellation and interruption
- Return safety
Associated: Is the Enterprise X definitely worth the $395 annual payment?
Incomes miles on the Capital One Enterprise X
The Enterprise X accrues miles on the following charges:
- 10 miles per greenback spent on inns and automobile leases booked through Capital One Journey
- 5 miles per greenback spent on trip leases and flights booked through Capital One Journey
- 2 miles per greenback spent on all different purchases
This simplicity builds off the $95-per-year Capital One Enterprise Rewards Credit score Card (see charges and charges), a product that has been round for over a decade. In that approach, the Enterprise X represents the very best of each worlds — excessive incomes potential on journey purchases, particularly, however a stable on a regular basis incomes price that is simple to maintain observe of.
Associated: Why the Enterprise X is a mainstay in my pockets
Redeeming miles on the Capital One Enterprise X
While you’re able to redeem your Capital One miles, you’ve a number of choices. If you wish to get probably the most worth out of your miles, you will wish to benefit from the choice to switch them to Capital One’s 15-plus resort and airline journey companions.
Nevertheless, when you want a less complicated redemption technique, Capital One gives a number of different redemption choices in your miles. These embody redeeming miles for journey via Capital One Journey, present playing cards and Amazon.com purchases.
Word that these fixed-value choices will yield effectively under TPG’s August 2025 valuation of 1.85 cents per level.
If you wish to redeem your rewards for money again, you will be a lot better off with the Capital One Savor Money Rewards Credit score Card.
Associated: Must you switch Capital One miles to companions or redeem them instantly for journey?
Transferring miles on the Capital One Enterprise X
To get most worth out of your Capital One miles, switch them to any of Capital One’s 15-plus resort and airline companions, together with helpful choices like Air Canada Aeroplan and Selection Privileges.
For example, TPG contributing editor Matt Moffitt loves the choice to switch his miles to Avianca LifeMiles for premium-cabin redemptions on United to Sydney and the power to switch them to British Airways Membership for nonstop home flights on American Airways.
Regardless of your journey preferences, you can discover some glorious worth in Capital One’s switch companions.
Associated: Your final information to Capital One’s airline and resort switch companions
Which playing cards compete with the Capital One Enterprise X?
For extra choices, try our record of the very best journey playing cards.
*Word that elevated incomes on Sapphire Reserve journey purchases will happen after the primary $300 is spent on purchases that code as journey, yearly.
Associated: 10 bank cards that may get you $1,000 or extra in first-year worth
Backside line
With easy rewards, spectacular lounge entry advantages and total stable worth, the Enterprise X has mass enchantment, particularly for these trying to find a premium journey rewards card.
As well as, there are numerous under-the-radar perks on the cardboard, together with Visa Infinite advantages with an intensive record of journey, baggage, automobile rental and buy protections. Add in a rising community of airport lounges, Capital One’s strong switch companions and a luxurious resort program, and you’ve got a card that’s practically a no brainer.
Be taught extra: Capital One Enterprise X
For charges and charges of the Amex Platinum Card, click on right here.
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.
