Most frequent vacationers can profit from a premium bank card just like the Capital One Enterprise X Rewards Credit score Card. Nonetheless, the steep annual charges imply it is necessary to rigorously take into account how helpful the cardboard’s perks will likely be for you.
The Enterprise X is simpler to justify than many different playing cards at its degree because it has an annual charge of simply $395. That is $200 cheaper than the following most reasonably priced premium card from a serious issuer, the Citi Strata Elite℠ Card (see charges and charges).
Listed below are the advantages that would make the Enterprise X value a spot in your pockets.
Welcome provide
The Enterprise X’s present welcome bonus matches the all time provide: 100,000 bonus miles after spending $10,000 within the first six months of account opening.
Based on TPG’s November 2025 valuations, these miles are pegged at 1.85 cents apiece, making this bonus value $1,850.
It is value noting that Capital One could be choosy when approving bank card purposes; the financial institution is thought for being very delicate in regards to the info in your credit score report, together with the variety of current onerous inquiries, new accounts and accounts with different issuers.
The worth of this welcome bonus alone covers this card’s annual charge just a few instances over, however I personally imagine that an excellent welcome provide alone is not sufficient to justify paying a premium annual charge. Thankfully, the Enterprise X has loads of different perks to supply.
Associated: The final word information to bank card software restrictions
Journey credit score
The best method to recoup many of the Enterprise X’s annual charge is thru its annual $300 Capital One Journey credit score. This seemingly will not be sufficient to cowl a resort keep at a prime property or a round-trip flight to Europe, but it surely’s a good way to pay for an extended weekend getaway or a brief keep at a boutique resort.
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TPGers who maintain the Enterprise X usually spotlight this credit score as one of many prime causes they maintain the cardboard yr after yr. TPG senior factors and miles author Ben Smithson used his Enterprise X’s Capital One Journey credit score to cowl a flight from Miami to the Caribbean. Contributing bank cards editor Matt Moffitt makes use of his to cowl Hertz automobile leases.
Associated: How the Capital One Enterprise X journey credit score can prevent $300 in your subsequent journey
Anniversary bonus miles
TPGers with the Enterprise X usually use the worth of the anniversary bonus miles to offset the remaining portion of the cardboard’s annual charge after the Capital One Journey credit score.
The Enterprise X affords 10,000 bonus miles after every account anniversary. Based on our November 2025 valuations, that is $185 in worth. After all, that is assuming you switch your miles to Capital One’s journey companions.
Associated: Who ought to (and should not) get the Capital One Enterprise X?
Lounge entry
Enterprise X cardholders have entry to 2 varieties of lounges: Precedence Cross and Capital One’s personal lounges for themselves and as much as two visitors (visitor entry will likely be restricted from Feb. 1, 2026).
Whereas Capital One’s lounge footprint is not as intensive as American Categorical’ Centurion Lounge community, having access to these lounges by means of your Enterprise X can imply rather a lot if you happen to reside close to or often transit by means of an airport with one.
Precedence Cross entry comes with just about each worthwhile premium card, but it surely’s a helpful perk if you happen to do not have already got a card that gives it.
The precise financial worth of lounge entry is tough to quantify because it is determined by how usually you go to lounges and what you really do when you’re there. I sometimes worth every lounge go to at round $30, as that is seemingly what I would spend on a pleasant meal if I weren’t within the lounge.
Nonetheless, if you happen to aren’t consuming rather a lot once you go to lounges and are not utilizing the opposite facilities that could be included, you would possibly worth every go to rather a lot much less.
Associated: Greatest bank cards for airport lounge entry
Automobile rental perks
When you’re open to reserving a rental automobile by means of an issuer’s journey portal, the Enterprise X is a good possibility. You will earn 10 miles per greenback spent on automobile leases booked by means of the portal, among the best returns of any premium card.
Enterprise X cardholders additionally obtain top-tier Hertz President’s Circle standing*. Assuming you lease a automobile a few times a yr, this perk can provide vital worth.
After registering, you may obtain assured upgrades, the widest alternative of automobiles when beginning your rental and a free further driver (which usually prices $13.50 per day, as much as a most of $189 throughout your rental).
*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 word, enrolling by means of the traditional Hertz Gold Plus Rewards enrollment course of (i.e., 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. Extra phrases apply.
Associated: Stacking rental automobile perks with Hertz and the Enterprise X
Entry to luxurious resort packages
Enterprise X cardholders can entry Capital One’s Premier Assortment and Life-style Assortment resort packages. Cardholders pays money or redeem their miles at a fee of 1 cent every to e book stays.
Advantages at top-tier Premier Assortment properties embrace:
- $100 on-property credit score for issues like meals and spa visits
- Free each day breakfast for 2 folks
- Room upgrades (when accessible)
- Free Wi-Fi throughout your keep
Life-style Assortment properties are largely lower-tier boutique properties, however they nonetheless provide helpful advantages for Enterprise X cardholders, equivalent to a $50 credit score to make use of towards eligible prices and early check-in and late checkout (the place accessible).
Since you may e book by means of Capital One Journey, you may earn 10 miles per greenback spent when paying on your stick with the Enterprise X.
Associated: A comparability of luxurious resort packages from bank card issuers: Amex, Capital One, Chase and Citi
Different key perks
Enterprise X cardholders obtain reimbursement for his or her software charge for TSA PreCheck or World Entry. This profit is obtainable as soon as each 4 years and is value as much as $120. I like to recommend World Entry for any frequent traveler because it comes with TSA PreCheck.
Cardholders even have entry to a number of journey and buying protections when paying with their card:
- Cellphone safety
- Prolonged guarantee and return safety
- Misplaced baggage reimbursement
- Main rental automobile insurance coverage
- Journey cancellation and interruption insurance coverage
- Journey delay reimbursement
Associated: 6 issues to do once you get the Capital One Enterprise X
Priceless licensed consumer perks
One of many Enterprise X’s large attracts for a lot of is its intensive licensed consumer perks. Cardholders can add a number of free licensed customers to their accounts, who get pleasure from the next advantages:
For comparability, the American Categorical Platinum Card® and the Chase Sapphire Reserve® (see charges and charges) each cost $195 for every licensed consumer (see charges and charges for the Amex Platinum).
Associated: Why it is best to add licensed customers on the Capital One Enterprise X
Backside line
The Enterprise X is one in all our favourite premium journey playing cards for a cause. It is simple to get outsize worth from its $395 annual charge if you happen to’re in a position to maximize its annual $300 Capital One Journey credit score and 10,000 anniversary bonus miles.
Plus, for a restricted time, new cardholders have the chance to earn a best-ever provide. If the Enterprise X has been in your want listing for some time, now could be the time to use.
To study extra, try our full overview 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, among the advantages could also be supplied by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
For charges and charges of the Amex Platinum, click on right here.
