The Capital One Enterprise Rewards Credit score Card presents strong perks for a mid-tier $95 annual payment card.
In the event you’ve determined it is time to apply for the Enterprise Rewards, you will wish to evaluation the eligibility standards first, particularly in case you’ve beforehand carried different Capital One playing cards.
Here is every thing you want to know.
Capital One Enterprise Rewards particulars
Let’s look at Enterprise Rewards’ choices, from its welcome bonus to its ongoing perks.
Present welcome bonus
New candidates can earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months from account opening.
TPG’s July 2025 valuations peg the entire worth of this bonus at $1,388. That is the usual welcome provide we usually see on this card.
There are two main methods to make the most of these miles. One possibility is to redeem your Capital One miles for any travel-related bills in your assertion. This contains Uber or Lyft rides, tolls, parking charges, rental automobiles or future bookings by the Capital One Journey platform. This redemption technique presents a flat price of 1 cent per mile.
A extra advantageous different may contain transferring your miles to Capital One’s 15-plus switch companions. Most companions provide an easy switch ratio of 1:1. By shifting your miles to a extremely profitable accomplice, comparable to Air Canada Aeroplan or Air France-KLM Flying Blue, you possibly can simply get vital worth out of your miles.
The easiest way to get most worth out of your Capital One Journey credit score is to make use of it for a resort keep, trip rental or automotive rental.
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Annual payment
The Enterprise Rewards has an annual payment of $95, which feels affordable given this card’s perks.
Incomes
The Enterprise Rewards presents an incomes price that is easy but rewarding. You will earn:
This card is a superb possibility for many who do not wish to take care of monitoring a number of bonus classes and as a substitute choose incomes a flat reward price throughout most purchases.
Different advantages
Past the welcome bonus, listed here are the continued advantages of the Enterprise Rewards:
Are you eligible to use for the Capital One Enterprise Rewards card?
In the event you’ve determined to use for the Enterprise Rewards, you should know the cardboard’s eligibility necessities earlier than making use of.
What credit score rating do I have to get the Enterprise Rewards?
TPG recommends a minimal rating of 670 for approval for the Enterprise Rewards, though people with decrease scores have additionally been accepted.
Capital One particularly mentions that it’s best to have glorious credit score to qualify. Nonetheless, we have seen a number of studies of individuals getting accepted regardless of having a credit score rating beneath 670. So, it is most likely price making use of even in case you’re beneath that mark.
In case you have exceptionally low credit score or no credit score, it is best to attend and apply for a credit-building card as a substitute.
Capital One software guidelines
You will solely get accepted for one Capital One card each six months, so house out your functions accordingly. In the event you’re unsure why you bought denied for the Enterprise Rewards, this may very well be the rationale.
We have additionally seen studies from Reddit customers with many bank cards stating that they’ve struggled to get accepted for Enterprise playing cards regardless of in any other case being eligible. Whereas this is not a hard-and-fast rule, making use of for the Enterprise Rewards earlier in your bank card journey could also be a good suggestion.
What if I obtained a Enterprise Rewards welcome bonus previously?
These are the restrictions which can be particularly said within the Enterprise Rewards’ phrases and situations:
“Current or earlier cardmembers are usually not eligible for this product if they’ve obtained a brand new cardmember bonus for this product previously 48 months.”
What if I have already got the Enterprise X or VentureOne playing cards?
In the event you carry one of many Enterprise Rewards’ sister playing cards (the Capital One Enterprise X Rewards Credit score Card and Capital One VentureOne Rewards Credit score Card), you’ll nonetheless be eligible to hold the Enterprise Rewards and get the cardboard’s welcome bonus.
The one caveat is that you’re going to wish to maintain a detailed eye on the timing of your functions.
Whereas there is no such thing as a overarching rule, Capital One would not at all times approve individuals who already maintain a Enterprise card, even when they meet all of the eligibility standards. TPG senior factors and miles author Ben Smithson was declined for the Enterprise Rewards whereas holding the Enterprise X.
Some anecdotal proof from TPGers means that the timing of your functions is crucial when figuring out whether or not you will be accepted for a second Enterprise card. If the Enterprise Rewards pursuits you, guarantee it has been no less than six months because you opened a unique Enterprise card.
Associated: Bank card showdown: Capital One Enterprise Rewards vs. Capital One Enterprise X
Backside line
The Enterprise Rewards presents terrific worth for all kinds of vacationers. Happily, there are just a few restrictions concerning eligibility for the cardboard’s welcome bonus. So long as you time your functions rigorously and have a TPG-recommended credit score rating of no less than 670, this strong rewards card will possible be yours.
To be taught extra, learn our full evaluation of the Capital One Enterprise Rewards.
Study extra: Capital One Enterprise Rewards Credit score Card
For Capital One merchandise listed on this web page, a number of the advantages could also be offered by Visa® or Mastercard® and will range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
