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 essential to fastidiously think about how helpful the cardboard’s perks shall be for you.
The Enterprise X is less complicated to justify than many different playing cards at its degree because it has an annual payment 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 might make the Enterprise X price a spot in your pockets.
Welcome supply
The Enterprise X’s present welcome bonus matches the all time supply: 100,000 bonus miles after spending $10,000 within the first six months of account opening.
In response to TPG’s November 2025 valuations, these miles are pegged at 1.85 cents apiece, making this bonus price $1,850.
It is price noting that Capital One will be choosy when approving bank card purposes; the financial institution is understood for being very delicate concerning the info in your credit score report, together with the variety of current laborious inquiries, new accounts and accounts with different issuers.
The worth of this welcome bonus alone covers this card’s annual payment just a few instances over, however I personally imagine that an important welcome supply alone is not sufficient to justify paying a premium annual payment. Thankfully, the Enterprise X has loads of different perks to supply.
Associated: The final word information to bank card utility restrictions
Journey credit score
The simplest method to recoup a lot of the Enterprise X’s annual payment is thru its annual $300 Capital One Journey credit score. This seemingly will not be sufficient to cowl a lodge keep at a high property or a round-trip flight to Europe, however it’s an effective way to pay for a protracted weekend getaway or a brief keep at a boutique lodge.
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TPGers who maintain the Enterprise X usually spotlight this credit score as one of many high causes they preserve 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 automotive 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 payment after the Capital One Journey credit score.
The Enterprise X affords 10,000 bonus miles after every account anniversary. In response to our November 2025 valuations, that is $185 in worth. In fact, 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 kinds of lounges: Precedence Go and Capital One’s personal lounges for themselves and as much as two visitors (visitor entry shall be restricted from Feb. 1, 2026).
Whereas Capital One’s lounge footprint is not as intensive as American Categorical’ Centurion Lounge community, getting access to these lounges by way of your Enterprise X can imply so much for those who reside close to or often transit by way of an airport with one.
Precedence Go entry comes with nearly each worthwhile premium card, however it’s a priceless perk for those who do not have already got a card that gives it.
The precise financial worth of lounge entry is tough to quantify because it is dependent upon how usually you go to lounges and what you really do whilst 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, for those who aren’t consuming so much while you go to lounges and are not utilizing the opposite facilities which may be included, you may worth every go to so much much less.
Associated: Finest bank cards for airport lounge entry
Automotive rental perks
For those who’re open to reserving a rental automotive by way of an issuer’s journey portal, the Enterprise X is a superb choice. You will earn 10 miles per greenback spent on automotive leases booked by way of the portal, the most effective returns of any premium card.
Enterprise X cardholders additionally obtain top-tier Hertz President’s Circle standing*. Assuming you lease a automotive a couple of times a yr, this perk can supply important worth.
After registering, you may obtain assured upgrades, the widest selection of automobiles when beginning your rental and a free extra driver (which generally prices $13.50 per day, as much as a most of $189 throughout your rental).
*Upon enrollment, accessible by way of the Capital One web site or cell app, eligible cardholders will stay at that standing degree by way of the length of the supply. Please notice, enrolling by way of the traditional Hertz Gold Plus Rewards enrollment course of (i.e., at hertz.com) is not going to routinely detect a cardholder as being eligible for this system, and cardholders is not going to be routinely upgraded to the relevant standing tier. Extra phrases apply.
Associated: Stacking rental automotive perks with Hertz and the Enterprise X
Entry to luxurious lodge applications
Enterprise X cardholders can entry Capital One’s Premier Assortment and Way of life Assortment lodge applications. Cardholders will pay money or redeem their miles at a price of 1 cent every to guide 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 individuals
- Room upgrades (when obtainable)
- Free Wi-Fi throughout your keep
Way of life Assortment properties are largely lower-tier boutique properties, however they nonetheless supply helpful advantages for Enterprise X cardholders, reminiscent of a $50 credit score to make use of towards eligible costs and early check-in and late checkout (the place obtainable).
Since you may guide by way of Capital One Journey, you may earn 10 miles per greenback spent when paying in your stick with the Enterprise X.
Associated: A comparability of luxurious lodge applications from bank card issuers: Amex, Capital One, Chase and Citi
Different key perks
Enterprise X cardholders obtain reimbursement for his or her utility payment for TSA PreCheck or International Entry. This profit is offered as soon as each 4 years and is price as much as $120. I like to recommend International Entry for any frequent traveler because it comes with TSA PreCheck.
Cardholders even have entry to a number of journey and purchasing protections when paying with their card:
- Cellphone safety
- Prolonged guarantee and return safety
- Misplaced baggage reimbursement
- Main rental automotive insurance coverage
- Journey cancellation and interruption insurance coverage
- Journey delay reimbursement
Associated: 6 issues to do while you get the Capital One Enterprise X
Beneficial approved person perks
One of many Enterprise X’s large attracts for a lot of is its intensive approved person perks. Cardholders can add a number of free approved 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 approved person (see charges and charges for the Amex Platinum).
Associated: Why you need to add approved customers on the Capital One Enterprise X
Backside line
The Enterprise X is one among our favourite premium journey playing cards for a cause. It is simple to get outsize worth from its $395 annual payment for those who’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 supply. If the Enterprise X has been in your want listing for some time, now could be the time to use.
To be taught extra, try our full evaluate of the Capital One Enterprise X.
Study extra: Capital One Enterprise X Rewards Credit score Card
For Capital One merchandise listed on this web page, a few of the advantages could also be offered by Visa® or Mastercard® and should range 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.
