The Capital One Enterprise X Rewards Credit score Card has earned its popularity as one of many high premium journey playing cards in the marketplace, and it is easy to see why. The cardboard combines simplicity, worth and genuinely helpful perks in a approach few rivals do. With its strongest welcome supply since 2021 now on the desk, I’ve lastly determined it is time to add a premium card to my pockets.
This is why the Enterprise X is the following card I am selecting.
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Enormous welcome bonus
I’ve had my eye on the Enterprise X for some time, however the present welcome bonus sealed the deal. Proper now, the cardboard affords 100,000 miles after spending $10,000 within the first six months — the strongest bonus we have seen since its 2021 debut. The six-month spend window makes this much more attainable than most premium playing cards, breaking down to simply underneath $1,700 monthly.
Many high-end playing cards provide you with solely three months to hit an enormous spending requirement, which might really feel like a dash. However with the Enterprise X, you’ve gotten respiration room to earn the bonus at a sensible tempo. Typically, you possibly can meet the Enterprise X’s welcome supply together with your on a regular basis spending (assume: eating out, paying utility payments and buying vacation presents, amongst different examples).
As for the worth of these miles, 100,000 miles is value $1,000 towards journey at a set charge of 1 cent per mile, however you possibly can typically rise up to $1,850 in worth by transferring to Capital One’s airline and lodge companions, in accordance with TPG’s November 2025 valuations.
$300 annual journey credit score
The Enterprise X’s $395 annual payment turns into far much less intimidating when you issue within the computerized $300 annual Capital One Journey credit score. It is simple to make use of and applies to flights, motels and rental automobiles booked via the Capital One Journey portal.
Whilst you have a full 12 months to make use of the credit score, I plan to make use of mine instantly towards a last-minute vacation journey to New York Metropolis with my sister. Whereas lodge costs could be outrageous this time of 12 months, the $300 credit score will assist cut back the price of the journey, leaving room within the funds for purchasing vacation presents, eating out and having fun with a Broadway present. Reserving a lodge via the portal additionally earns 10 miles per greenback spent, serving to me develop my factors stability whereas paying for the journey.
That $300 profit alone offsets the majority of the $395 annual payment, bringing the efficient price all the way down to about $95. At that value, lounge entry and different ongoing perks simply justify maintaining the cardboard in the long run.
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That is in the end why the Enterprise X is so compelling: it delivers a premium expertise with out the premium card price ticket.
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Premium journey perks
This can be my first card with built-in lounge entry, and it is one of many greatest the reason why I am making use of for the cardboard. I’ve at all times been the “wander the terminal and purchase a granola bar I do not need” type of traveler, however that period is formally over.
Enterprise X cardholders get entry to Capital One Lounges and Precedence Go lounges, which is a significant improve in case you journey even just a few occasions a 12 months. My first cease would be the Capital One Lounge at Dulles Worldwide Airport (IAD) close to Washington, D.C., on an upcoming vacation journey again to the East Coast, and I am already counting down.
Whereas my new dwelling airport, San Francisco Worldwide Airport (SFO), would not have a Capital One Lounge, I really like that the Enterprise X nonetheless offers me loads of choices via Precedence Go. No extra overpriced granola bars or preventing for an outlet within the terminal for me.
Past lounge entry, the cardboard’s perks are genuinely useful: Cardholders get 10,000 bonus miles beginning on their first anniversary, a TSA PreCheck/International Entry credit score (as much as $120 each 4 years), robust journey protections, main rental automotive protection and journey delay insurance coverage that may simply save them lots of when issues do not go as deliberate.
It is the primary time I’ve checked out a premium perks checklist and thought, “I will truly use nearly all of this” — and that is precisely what makes the Enterprise X really feel like such a sensible long-term card.
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Versatile, useful miles
One other key cause why I made a decision to use for the Enterprise X is the worth and flexibility of Capital One miles.
Up till now, I have been nearly monogamous with Chase Final Rewards, and I’ve waxed poetic about my Chase Sapphire Most well-liked® Card (see charges and costs) since I acquired the cardboard final 12 months. However now that I’ve moved past the newbie stage of factors and miles, I need entry to various kinds of reward currencies. Diversifying your factors and miles is loads like diversifying your funds: The extra choices you’ve gotten, the higher your possibilities of discovering availability, candy spots and actual worth.
That is the place Enterprise miles are available in. Capital One companions with a number of applications that Chase would not, together with Avianca LifeMiles and Qantas Frequent Flyer, opening up redemptions I have not had entry to earlier than.
I plan to faucet into these switch companions as quickly as I earn my welcome bonus. My mother and I’ve been eyeing a mother-daughter journey to England this spring, and the Enterprise X bonus might assist make it occur.
Listed below are just a few practical methods I might use 100,000 Capital One miles for that journey:
The massive enchantment right here is optionality. The extra choices you’ve gotten when award house pops up (whether or not it is enterprise class to Europe or a boutique lodge with money charges you’d by no means pay), the extra doubtless you may e book the journeys you truly need, not simply those that your present factors and miles permit.
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Sturdy incomes on on a regular basis purchases
Like many others, my spending would not at all times fall neatly into bonus classes, and that is the place the Enterprise X suits in. Incomes 2 miles per greenback spent on each buy means I can use it as a catchall card with out worrying I am lacking out on rewards.
And for journey bookings, the cardboard turns into much more highly effective, incomes:
- 10 miles per greenback spent on motels and rental automobiles booked via Capital One Journey
- 5 miles per greenback spent on flights and trip leases booked via Capital One Journey
For anybody who desires easy but robust incomes charges without having to memorize classes, this setup is likely one of the most easy amongst premium playing cards. That is a facet of the Enterprise X that does not get sufficient credit score. Sure, the cardboard shines with premium perks, however the on a regular basis incomes construction is inherently useful.
If you would like a easy technique to earn strong rewards on each buy and your spending fluctuates like mine, the Enterprise X makes it remarkably straightforward.
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Backside line
The Enterprise X strikes a uncommon stability of providing a beneficiant welcome bonus, versatile miles that open up new redemption choices, a easy on a regular basis incomes construction and premium perks, all for an annual payment that turns into surprisingly cheap when you issue within the journey credit score. For my upcoming travels — particularly with a watch on a visit to Europe this spring — the timing could not be higher.
In case you’re additionally on the lookout for a premium card that delivers substantial worth with no sky-high annual payment, the Enterprise X is likely one of the most compelling choices on the market.
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