Capital One Enterprise X Rewards Credit score Card overview
* Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Capital One Enterprise X is a premium rewards card with severe journey perks, helpful assertion credit and lounge entry — however for a extra budget-friendly annual charge than its opponents, $395 (see charges and costs).
The Enterprise X’s decrease annual charge, lounge entry and journey advantages that rival and even outclass its competitors are why it took dwelling the title of the Finest Premium Journey Card on the 2024 TPG Awards.
You’ll need wonderful credit score for this card, so TPG recommends a credit score rating of 740 or increased.
If you’re debating whether or not the Enterprise X is for you, right here is the whole lot it is advisable to know earlier than clicking that “apply” button.
Capital One Enterprise X execs and cons
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Capital One Enterprise X welcome provide
In accordance with TPG’s August 2025 valuations, 75,000 Capital One miles are value $1,388, because of the outsize worth you may get from transferring Capital One miles to this system’s airline and lodge companions.
And for those who do not need to navigate the complexities of transferable miles, you should use your Capital One miles immediately for journey at a charge of 1 cent per mile, making this welcome bonus value $750.
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Associated: One of the best time to use for these standard Capital One bank cards based mostly on provide historical past
Capital One Enterprise X advantages
Whereas decrease than its premium opponents, Enterprise X does carry a $395 annual charge (see charges and costs). Which may initially appear to be a deterrent, however the card’s perks can offset the yearly price with minimal effort:
- Annual credit score: Get $300 in credit yearly for bookings made by Capital One Journey
- Anniversary bonus: 10,000 bonus miles each account anniversary, beginning in your first anniversary (value $185 towards journey based on TPG’s August 2025 valuations)
- Lounge entry: Complimentary entry for cardholders per go to to Capital One Lounges and Precedence Cross™ lounges (after enrollment)
As Capital One continues opening its personal airport lounges, the case for the Enterprise X turns into even stronger. Along with the issuer’s first location at Dallas Fort Price Worldwide Airport (DFW), Capital One operates lounges in:
With the Enterprise X, you may get complimentary limitless entry to those in addition to entry to greater than 1,300 lounges worldwide with Precedence Cross (enrollment required).
- Auto rental collision harm waiver: Lower your expenses by saying no on the counter — lease along with your coated Visa Infinite card and get built-in auto rental protection.
- Cellphone safety: Through the use of the cardboard to pay your month-to-month wi-fi invoice, your cellphone is protected for the following calendar month.
- Prolonged guarantee safety: Lengthen your qualifying product warranties mechanically whenever you buy utilizing your Enterprise X card.
- World Entry or TSA PreCheck: Cardholders can obtain a press release credit score for his or her TSA PreCheck® or World Entry utility charge.
- Journey cancellation and interruption
- Return safety
Associated: Is the Enterprise X well worth the $395 annual charge?
Incomes miles on the Capital One Enterprise X
The Enterprise X accrues miles on the following charges:
- 10 miles per greenback spent on accommodations and automobile leases booked by way of Capital One Journey
- 5 miles per greenback spent on trip leases and flights booked by way of Capital One Journey
- 2 miles per greenback spent on all different purchases
This simplicity builds off the $95-per-year Capital One Enterprise Rewards Credit score Card (see charges and costs), a product that has been round for over a decade. In that means, the Enterprise X represents the most effective of each worlds — excessive incomes potential on journey purchases, particularly, however a stable on a regular basis incomes charge that is straightforward to maintain observe of.
Associated: Why the Enterprise X is a mainstay in my pockets
Redeeming miles on the Capital One Enterprise X
Whenever you’re able to redeem your Capital One miles, you’ve a number of choices. If you wish to get probably the most worth out of your miles, you may need to benefit from the choice to switch them to Capital One’s 15-plus lodge and airline journey companions.
Nevertheless, for those who favor an easier redemption technique, Capital One gives a number of different redemption choices to your miles. These embody redeeming miles for journey by Capital One Journey, present playing cards and Amazon.com purchases.
Word that these fixed-value choices will yield properly under TPG’s August 2025 valuation of 1.85 cents per level.
If you wish to redeem your rewards for money again, you may be significantly better off with the Capital One Savor Money Rewards Credit score Card.
Associated: Do you have to switch Capital One miles to companions or redeem them immediately for journey?
Transferring miles on the Capital One Enterprise X
To get most worth out of your Capital One miles, switch them to any of Capital One’s 15-plus lodge and airline companions, together with helpful choices like Air Canada Aeroplan and Selection Privileges.
As an example, TPG contributing editor Matt Moffitt loves the choice to switch his miles to Avianca LifeMiles for premium-cabin redemptions on United to Sydney and the flexibility to switch them to British Airways Membership for nonstop home flights on American Airways.
Irrespective of your journey preferences, you’ll discover some wonderful worth in Capital One’s switch companions.
Associated: Your final information to Capital One’s airline and lodge switch companions
Which playing cards compete with the Capital One Enterprise X?
For added choices, take a look at our listing of the most effective journey playing cards.
*Word that elevated incomes on Sapphire Reserve journey purchases will happen after the primary $300 is spent on purchases that code as journey, yearly.
Associated: 10 bank cards that may get you $1,000 or extra in first-year worth
Backside line
With easy rewards, spectacular lounge entry advantages and total stable worth, the Enterprise X has mass enchantment, particularly for these looking for a premium journey rewards card.
As well as, there are a number of under-the-radar perks on the cardboard, together with Visa Infinite advantages with an in depth listing of journey, baggage, automobile rental and buy protections. Add in a rising community of airport lounges, Capital One’s strong switch companions and a luxurious lodge program, and you’ve got a card that’s practically a no brainer.
Study extra: Capital One Enterprise X
For charges and costs of the Amex Platinum Card, click on right here.
For Capital One merchandise listed on this web page, a few 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.
