The Capital One Enterprise X Rewards Credit score Card presents unbelievable perks for its comparatively inexpensive $395 annual charge.
And its limited-time welcome provide actually helps make its case: New cardholders can earn 100,000 bonus miles after spending $10,000 on purchases within the first six months from account opening. TPG’s November 2025 valuations peg these miles at $1,850 when maximizing with the issuer’s 15-plus switch companions.
Earlier than pulling the set off on an utility, you will need to assessment Capital One’s eligibility standards. The foundations on who qualifies for the Enterprise lineup of playing cards just lately modified, so it is essential to be sure to’re updated.
Here is all the pieces you could know in regards to the Capital One Enterprise X and whether or not you are eligible for it.
Capital One Enterprise X particulars
Let’s take a look at what the Enterprise X brings to the desk, from its welcome bonus to the continuing perks.
Present welcome bonus
New candidates for the Enterprise X will earn 100,000 bonus miles after spending $10,000 on purchases within the first six months from account opening. This provide matches the perfect we have ever seen for this card, so now’s the best time to use.
The $10,000 spending requirement could appear excessive, however charging a recurring expense like hire or prepaying taxes and insurance coverage may also help you make a significant dent in it.
There are two fundamental methods to make use of these miles. First, you would redeem Capital One miles for any travel-related expenses in your assertion, whether or not that be Uber or Lyft rides, toll and parking charges or for future bookings by means of Capital One Journey. Your Capital One miles are value 1 cent every on this vogue — that is value $1,000 in journey.
To get most worth out of your miles, we suggest transferring them to Capital One’s loyalty program switch companions — most of which have a 1:1 switch ratio. By shifting your miles over to a profitable accomplice, comparable to Air Canada Aeroplan or Air France-KLM Flying Blue, you may simply exceed the baseline worth of 1 cent per mile.
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Annual charge
The Enterprise X carries a $395 annual charge, notably decrease than its premium card opponents. This makes it a superb alternative for vacationers who need premium perks with out an exorbitant annual charge.
Incomes
The Enterprise X presents an incomes price that is easy but rewarding:
- 10 miles per greenback spent on motels and rental automobiles booked by means of Capital One Journey
- 5 miles per greenback spent on flights and trip leases booked by means of Capital One Journey
- 2 miles per greenback spent on all different eligible purchases
Different advantages
Past the welcome bonus, you will get these perks with the Enterprise X:
Are you eligible to use for the Capital One Enterprise X?
Should you’ve determined to use for the Enterprise X, here is what you could know first:
What credit score rating do I must get the Enterprise X?
Whereas Capital One doesn’t present a particular credit score rating vary for this card, TPG recommends a credit score rating of not less than 740. Nonetheless, we have seen experiences of individuals being accredited with a credit score rating under that quantity, so it is in all probability value making use of even if you happen to’re a bit under that mark.
Capital One utility guidelines
You may solely get accredited for one Capital One card each six months, so remember to area out your functions accordingly. Capital One has various shopper playing cards, so if you happen to’re keen on opening a number of playing cards with them, you will need to type a long-term technique.
Present and former Enterprise X cardholders
These are the restrictions which are particularly acknowledged within the Enterprise X’s phrases and situations:
Current or earlier cardmembers usually are not eligible for this product if they’ve obtained a brand new cardmember bonus for this product up to now 48 months.
What if I have already got the Enterprise Rewards or VentureOne playing cards?
Capital One modified the eligibility guidelines for the Enterprise household of playing cards in October. Happily for potential Enterprise X cardholders, these new guidelines have the best influence on present Enterprise X cardholders trying to transfer “down” to the Capital One Enterprise Rewards Credit score Card or Capital One VentureOne Rewards Credit score Card.
That is as a result of these new guidelines restrict a Enterprise X cardholder’s skill to be accredited for the Enterprise Rewards or VentureOne in the event that they opened the Enterprise X or earned its welcome bonus up to now 48 months. Should you opened or earned a bonus on the Enterprise Rewards or VentureOne up to now 48 months, it should not influence your skill to be accredited for the Enterprise X.
That mentioned, if you happen to’re keen on both the Enterprise Rewards or VentureOne, it could be value making use of for that card earlier than the Enterprise X — in any other case, you will want to attend a very long time earlier than you can get accredited.
Associated: Bank card showdown: Capital One Enterprise Rewards vs. Capital One Enterprise X
Backside line
The Capital One Enterprise X Rewards Credit score Card presents terrific worth for every type of vacationers. Happily, there are only some restrictions relating to eligibility for the cardboard’s worthwhile welcome bonus.
So long as you time your functions rigorously and have glorious credit score primarily based on Capital One’s definition, this strong rewards card could be yours.
To study extra, take a look at our full assessment of the Enterprise X.
Study extra: Capital One Enterprise X
For Capital One merchandise listed on this web page, a number of the advantages could also be offered by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
