The Capital One Enterprise Rewards Credit score Card gives nice worth to occasional vacationers who need to maximize the miles they earn. This card contains a $95 annual payment and earns not less than 2 miles per greenback on all purchases.
Its flashier sibling, the $395-annual-fee Capital One Enterprise X Rewards Credit score Card, affords an enhanced journey expertise to compete with different premium merchandise like The Platinum Card® from American Categorical and the Chase Sapphire Reserve® (see charges and costs).
When you do not carry both card — the Enterprise Rewards or the Enterprise X — chances are you’ll surprise: Must you apply for the well-established, crowd-pleasing Enterprise Rewards or go premium with the luxe Enterprise X?
Let’s look at each playing cards that can assist you resolve which Capital One card is the best choice.
Capital One Enterprise Rewards vs. Capital One Enterprise X comparability
| Card | Capital One Enterprise Rewards | Capital One Enterprise X |
|---|---|---|
| Annual payment | $95 | $395 |
| Welcome provide | Earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. | Earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. |
| Incomes charges |
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| Different advantages |
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| Overseas transaction charges | None | None |
Capital One Enterprise Rewards vs. Capital One Enterprise X welcome provide
The Enterprise Rewards and Enterprise X have the identical welcome provide: New cardholders can earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.
Each affords are price $1,388 based mostly on TPG’s August 2025 valuations, so you may get strong worth from the bonus irrespective of which card you select.
Winner: Tie. Each playing cards present the identical welcome provide.
Associated: Easy methods to redeem Capital One’s 75,000 bonus miles welcome provide for optimum worth
Capital One Enterprise Rewards vs. Capital One Enterprise X advantages
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Conversely, the Enterprise X has a stronger listing of advantages that greater than justify its increased annual payment if you happen to can maximize them.
As a cardholder, you may get a $300 annual credit score for bookings made by Capital One Journey.
At the moment, Enterprise X cardholders and their licensed customers get complimentary entry to Capital One lounges and might carry two friends totally free. Beginning Feb. 1, 2026, you may must spend $75,000 in a calendar yr to maintain free visitor entry; in any other case, adults will price $45 every, youngsters 17 and beneath $25, and kids beneath 2 stay free.
With the Enterprise X, you may additionally get a Precedence Move lounge membership to over 1,700 places worldwide. Company can once more be part of at no further price till Jan. 31, 2026, after which you may need to pay $35 per visitor.
An extra good thing about Enterprise X is which you can add a restricted variety of licensed customers for no further payment. Nevertheless, beginning Feb. 1, 2026, if you need your licensed consumer to have lounge entry, you may need to pay $125 for the privilege.
You may additionally obtain 10,000 bonus miles, price $185 in line with TPG’s August 2025 valuations, at every cardholder anniversary, together with entry to Capital One’s Life-style Assortment and the posh Premier Assortment of inns, journey protections, prolonged guarantee safety and cellphone safety.
Winner: Enterprise X. Because the extra premium card providing, it has a way more strong listing of advantages than the Enterprise Rewards.
Associated: Is the Capital One Enterprise X well worth the $395 annual payment?
Incomes miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
With the Enterprise Rewards, you may earn 5 miles per greenback spent on inns, trip leases and rental vehicles booked by Capital One Journey. Nevertheless, if in case you have the Enterprise X, you may earn 10 miles per greenback spent on inns and rental vehicles booked by Capital One Journey and 5 miles per greenback spent on flights and trip leases booked by the identical portal.
Winner: Enterprise X. It earns double the miles because the Enterprise Rewards on inns and rental vehicles booked by Capital One Journey. The Enterprise X additionally earns bonus miles on flights booked by Capital One Journey, whereas the Enterprise Rewards doesn’t.
Associated: 7 varieties of purchases it is best to make together with your Capital One Enterprise Rewards card
Redeeming miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
You may get probably the most worth by transferring your miles to one in every of Capital One’s 15-plus switch companions, however you can even redeem them for an announcement credit score to cowl journey purchases or present playing cards at a flat charge of 1 cent per mile.
Each playing cards will let you redeem your miles for money again, however you may get a a lot decrease charge of 0.5 cents per mile, so we advocate avoiding this selection every time attainable.
Winner: Tie. Each playing cards provide the similar choices to redeem your miles.
Associated: Must you switch Capital One miles to companions or redeem straight for journey?
Transferring miles with the Capital One Enterprise Rewards vs. Capital One Enterprise X
The most effective issues about each the Enterprise Rewards and the Enterprise X is that they will let you switch your miles to one in every of Capital One’s 15-plus resort and airline companions, together with beneficial choices like Air France-KLM Flying Blue, British Airways Membership and Turkish Airways Miles&Smiles.
And if you happen to can make the most of a welcome bonus, you may get much more worth out of your miles. For example, TPG senior factors and miles author Ben Smithson will get strong worth from his miles by transferring them to Air Canada Aeroplan and Flying Blue.
Winner: Tie. Each the Enterprise Rewards and Enterprise X switch to the identical companions on the similar charges.
Associated: Cashing in Capital One miles? Easy methods to get the utmost worth when redeeming miles
Ought to I get the Capital One Enterprise Rewards or Capital One Enterprise X?
When you’re centered on conserving your annual payment prices low, go along with the Enterprise Rewards. You may get a robust incomes charge, the flexibility to make the most of Capital One’s switch companions and a few journey advantages for only a $95 annual payment. Nevertheless, if you need airport lounge entry and might maximize its $300 annual credit score, the Enterprise X is the higher alternative.
Associated: Who ought to (and should not) get the Capital One Enterprise X card?
Easy methods to improve from the Capital One Enterprise Rewards to the Capital One Enterprise X
If you have already got Enterprise Rewards and need to improve to Enterprise X, you may name the quantity on the again of your card and request a product change. You will not be capable of make the most of your new card’s welcome provide, but it surely’s a great way to get extra advantages with out worrying about eligibility.
You can too downgrade from the Enterprise X to the Enterprise Rewards by the identical methodology.
Associated: How Enterprise X saved me over $6,000 on a summer time journey to France
Backside line
The Enterprise X is a good card for individuals who can make the most of its airport lounge entry and annual journey credit score, whereas the Enterprise Rewards is a greater match for anybody trying to preserve their annual payment prices low. No matter which card you select, you may get strong journey advantages and earn beneficial transferable rewards.
To study extra, learn our full opinions of the Enterprise Rewards and Enterprise X.
Be taught extra: Capital One Enterprise Rewards
Be taught extra: Capital One Enterprise X
For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
