It has turn out to be more difficult to earn welcome bonuses on a number of common Capital One playing cards, as Capital One has carried out a 48-month restriction throughout its Enterprise household of playing cards.
This consists of the Capital One VentureOne Rewards Credit score Card ($0 annual payment), the Capital One Enterprise Rewards Credit score Card ($95 annual payment) and the Capital One Enterprise X Rewards Credit score Card ($395 annual payment).
The brand new rule basically limits cardholders from transferring “down” throughout the Enterprise suite (by way of annual charges) in the event that they’ve opened a brand new Enterprise-family card and earned a bonus within the final 48 months.
Capital One nonetheless permits these with the lower-annual-fee merchandise to be authorized for a Enterprise-family card that expenses a better annual payment, so “upward” motion throughout the lineup is allowed.
Listed here are the complete particulars.
Capital One’s new Enterprise household rule
As a result of this new Enterprise household rule restricts “downward” motion by way of annual charges, present Enterprise X cardholders who’ve utilized for the cardboard and obtained the bonus within the final 48 months are probably the most affected.
That is as a result of Enterprise X cardholders who’ve opened the $395-annual-fee product or obtained the bonus within the final 48 months won’t be allowed to open a VentureOne or Enterprise card. A Capital One consultant confirmed to TPG that those that are denied the VentureOne or the Enterprise could also be eligible for a “terms-modified model of VentureOne” and not using a welcome bonus.
Let’s break it down by card to grasp how the rule pertains to every product.
- In case you’re making use of for the VentureOne: You aren’t eligible for the cardboard or the bonus when you’ve earned the VentureOne, Enterprise or Enterprise X bonus throughout the final 48 months.
- In case you’re making use of for the Enterprise: You aren’t eligible for the cardboard or the bonus when you’ve earned the Enterprise or Enterprise X bonus throughout the final 48 months. In case you’ve solely opened or obtained the VentureOne bonus, you’re eligible for the Enterprise card and bonus.
- In case you’re making use of for the Enterprise X: You aren’t eligible for the cardboard or bonus when you’ve opened or earned the Enterprise X bonus throughout the final 48 months. In case you’ve solely opened or obtained the Enterprise or VentureOne bonus, you’re eligible for the Enterprise X card and its bonus.
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Capital One has restricted cardholders to a 48-month ready interval between incomes welcome bonuses on the identical private card since 2023, so this new rule basically expands the restriction to all Enterprise-branded playing cards.
Capital One’s different software restrictions require you to attend six months between approvals for brand new Capital One playing cards, together with each private and enterprise playing cards.
Associated: 6 issues to do whenever you get the Capital One Enterprise X
Capital One Enterprise lineup welcome bonuses
In case you’re eligible for a brand new Capital One card in its Enterprise household, chances are you’ll wish to put in your software to safe certainly one of these welcome gives:
- VentureOne: Obtain $100 to make use of on Capital One Journey in your first cardholder yr (no spending required), plus earn 20,000 miles after spending $500 on purchases within the first three months of account opening.
- Enterprise: Earn 75,000 miles after spending $4,000 on purchases throughout the first three months of account opening.
- Enterprise X: Earn 75,000 miles after spending $4,000 on purchases throughout the first three months of account opening.
TPG’s October 2025 valuations deem Capital One miles as price 1.85 cents apiece, and there are numerous methods you’ll be able to maximize your rewards to make them much more priceless.
Associated: One of the best bank card welcome bonuses this month
Backside line
It is now tougher to be authorized for and obtain a bonus on playing cards inside Capital One’s Enterprise household if you have already got a Enterprise product and obtained it within the final 48 months.
That is an particularly detrimental change for Enterprise X cardholders who’ve earned the bonus on that card within the final 48 months, since they’re unable to be authorized for or obtain the bonus for some other private Enterprise card till that 48-month window expires.
You may nonetheless “transfer up” the Enterprise-family ladder, beginning with the VentureOne earlier than going to the Enterprise or Enterprise X (or going from the Enterprise to the Enterprise X). Nonetheless, it is vital to think about all software restrictions when making use of for a brand new card.
Associated: 8 explanation why your bank card software was denied
