Your pockets does not must be overflowing with bank cards for a maximized award journey technique.
In truth, you may pair two of my favourite playing cards for a bevy of advantages, rewards and assertion credit: the American Specific® Gold Card and Capital One Enterprise X Rewards Credit score Card.
These two playing cards mix for a easy but sturdy setup, from gathering factors and miles to redeeming your rewards.
Whether or not you are available on the market for a card duo to raise your dream trip or have one among these playing cards already, listed below are 4 causes I consider the Amex Gold and Enterprise X are merely higher collectively.
Mix the Amex Gold’s bonus classes with the Enterprise X’s flat-rate rewards
The Amex Gold and Enterprise X are each standout earners, however the way in which you acquire rewards with every is sort of totally different.
The Amex Gold earns Membership Rewards factors at an exceptionally excessive charge throughout a number of fashionable bonus classes — particularly if you happen to spend some huge cash on eating and groceries (like I do). You will earn:
- 4 factors per greenback spent on eating at eating places worldwide* and purchases at U.S. supermarkets**
- 3 factors per greenback spent on flights booked immediately with the airline or by way of amextravel.com
- 2 factors per greenback spent on pay as you go motels and different eligible purchases booked by way of amextravel.com
- 1 level per greenback spent on all different eligible purchases
*On as much as $50,000 per calendar yr, then 1 level per greenback spent
**On as much as $25,000 in purchases per calendar yr, then 1 level per greenback spent
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The Enterprise X enhances this construction effectively, incomes Capital One miles at a hard and fast charge throughout most purchases.
If you happen to’re already a Enterprise X cardholder, the cardboard offers 2 miles per greenback spent on the vast majority of your spending. You will additionally earn 10 miles per greenback spent on motels and rental automobiles booked by way of Capital One Journey and 5 miles per greenback spent on flights and trip leases booked by way of Capital One Journey.
I really like retaining this card in my pockets as a catch-all for on a regular basis purchases exterior of bonus classes.
Whenever you mix the ability of those two playing cards, you may all the time earn greater than 1 level or mile per greenback spent.
Associated: How bank card issuers classify journey and eating purchases
Maximize the Enterprise X’s journey advantages and the Amex Gold’s eating perks
The Amex Gold and Enterprise X maintain distinct locations within the rewards card market. You will not discover a number of overlapping advantages right here.
As a substitute, pairing these two playing cards offers a well-rounded slate of advantages that can be utilized in a number of sides of journey and on a regular basis life.
For one, the Amex Gold focuses its assertion credit on eating purchases and some travel-related perks in trade for its $325 annual price (see charges and costs). These embrace:
- As much as $120 in annual eating credit score per calendar yr: Earn as much as $10 in month-to-month assertion credit whenever you pay with the Amex Gold at taking part eating companions.
- As much as $120 in annual Uber Money per calendar yr: Earn as much as $10 in Uber Money month-to-month for Uber Eats and Uber rides within the U.S. Uber Money will solely be deposited into one Uber account whenever you add the Amex Gold as a cost technique and redeem with any Amex card.
- As much as $100 in annual Resy credit score per calendar yr: Earn as much as $100 in Resy assertion credit each calendar yr. This credit score is damaged down into two up-to-$50 assertion credit semiannually. To make use of the credit score, all it’s a must to do is dine at a taking part U.S. Resy restaurant (or make different eligible Resy purchases) and pay with the Amex Gold. No reservation is required.
- As much as $100 in lodge credit per calendar yr: Cardmembers who use their card to e-book a keep of two nights or extra by way of Amex’s The Lodge Assortment obtain an up-to-$100 on-site credit score for qualifying actions. Relying on the property, this might embrace eating, spa remedies or different actions.
Enrollment is required for choose advantages.
Many of the Amex Gold’s advantages are centered on meals, although month-to-month Uber Money and the Lodge Assortment assertion credit score present some perks for journey.
As a frequent traveler, I admire how the Amex Gold’s advantages might help save on purchases that come up whereas I am on the go. Nonetheless, I might nonetheless need extra out of my card setup, particularly on the subject of journey perks corresponding to airport lounge entry.
That is the place the Enterprise X is available in. To begin with, two of the cardboard’s journey advantages primarily offset its $395 annual price.
The $300 annual Capital One Journey credit score can be utilized on any journey reserving within the issuer’s portal and lowers the Enterprise X’s efficient annual price to $95.
The cardboard’s 10,000-mile bonus is acquired every account anniversary; TPG’s January 2026 valuations place the worth of those miles at $185.
Whenever you mix these two perks, you may obtain $485 in annual journey advantages — a can’t-miss worth that gives the travel-related advantages the Amex Gold is lacking.
I’ve beforehand used the Enterprise X’s journey portal credit score to avoid wasting $300 on a three-night keep on the Conrad Las Vegas at Resorts World. The room would’ve value me practically $1,000 if I hadn’t utilized the credit score.
Lastly, the Enterprise X offers airport lounge entry for major cardholders and as much as two company to 5 Capital One Lounges and one Capital One Touchdown. The first cardholder additionally receives a Precedence Move membership that unlocks entry to 1,300-plus lounges worldwide. (Capital One’s lounge entry guidelines will change into stricter beginning Feb. 1, 2026.)
The Amex Gold does not present lounge privileges, so this profit is one other complementary perk that provides extra worth to your setup.
Associated: Why I’m fortunately holding on to my Capital One Enterprise X Rewards card for a 3rd yr
Earn a pair of precious welcome bonuses
If you have not added both the Amex Gold or Enterprise X but, there are two unbelievable welcome gives on the desk so that you can acquire a swath of factors and miles.
New Amex Gold cardmembers can discover out their provide and see if they’re eligible to earn as excessive as 100,000 bonus factors after spending $6,000 on purchases inside the first six months of card membership. Welcome gives fluctuate, and also you might not be eligible for a suggestion.
This bonus may very well be value as much as $2,000 whenever you think about TPG’s January 2026 valuations.
In the meantime, the Enterprise X is offering a suggestion proper now for wew candidates can earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. That is the cardboard’s highest public provide in 4 years.
In accordance with TPG’s valuations, this provide is value $1,388 whenever you leverage Capital One’s switch companions. If you happen to determine to redeem these miles at a hard and fast worth, the bonus is value as much as $750.
If you happen to’re focused for the very best Amex Gold provide and maximize your Capital One miles to get the complete worth of TPG’s valuations, these two gives mix for as much as $3,388 in worth.
Associated: The very best bank card welcome bonuses this month
Unlock extra redemption choices with 2 units of switch companions
Extra selection is all the time a greater factor. When you will have excessive balances of Membership Rewards factors out of your Amex Gold and Capital One miles from the Venture X, you may have loads extra redemption choices thanks to every issuer’s distinctive set of switch companions.
As an illustration, Capital One miles can solely be transferred to 1 U.S. airline loyalty program (JetBlue TrueBlue), however Membership Rewards factors could be transferred to Delta SkyMiles.
In the meantime, you may’t transfer Membership Rewards factors to Turkish Airways Miles&Smiles, however you may switch Capital One miles into that loyalty program.
There are a number of overlapping companions between the 2, corresponding to Air Canada Aeroplan and Air France-KLM Flying Blue. I really like utilizing Flying Blue to e-book SkyTeam award seats with companions like Delta Air Traces.
For instance, I transferred 15,000 Capital One miles to Air France-KLM Flying Blue to e-book two one-way home Delta flights to journey to a marriage.
Lastly, when you will have each currencies, you are in a position to leverage switch bonuses as they arrive up, which provides the flexibility to get extra worth in your hard-earned rewards.
Associated: Why you need to grasp a number of bank card switch companions, and (most probably) depart the remainder behind
Backside line
The Amex Gold and Enterprise X workforce as much as create a unbelievable card duo that mixes high-powered incomes with versatile rewards and a swath of advantages to take pleasure in.
There is a strong rewards technique to be unlocked by holding each of those playing cards, making this pairing a easy and efficient choice for a lot of forms of vacationers.
To study extra, learn our full evaluations of the Amex Gold and the Enterprise X.
Apply right here: American Specific Gold Card
Be taught extra: Capital One Enterprise X Rewards Credit score Card
For charges and costs of the Amex Gold, click on right here.
For Capital One merchandise listed on this web page, a number of the advantages could also be offered by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
