The Capital One Enterprise X Rewards Credit score Card is likely one of the hottest premium journey playing cards in the marketplace.
Whereas its $395 annual payment is critical, the cardboard presents a bunch of journey perks — from a $300 annual credit score for purchases made by means of Capital One’s journey reserving website to lounge entry to as much as 4 complimentary approved customers — that may simply offset its full annual value.
The cardboard is a step up from the Capital One Enterprise Rewards Credit score Card, the tried-and-true Capital One product that prices an annual payment of $95 however nonetheless presents a style of what its costlier sibling offers.
In fact, the Enterprise X is not for everybody. Let’s dig deeper to see who ought to — and should not — apply for this card.
Key Capital One Enterprise X advantages
These 75,000 miles are price at the least $750 when redeemed for journey immediately by means of Capital One’s journey reserving website or as assertion credit towards different journey purchases.
Nonetheless, in line with TPG’s September 2025 valuations, the bonus worth is boosted to $1,388 if you happen to switch these miles to Capital One’s 15-plus airline and lodge switch companions as an alternative.
Whereas that may be alluring sufficient by itself, the cardboard extends loads of different worthwhile, on a regular basis advantages:
- Anniversary bonus: 10,000 bonus miles each account anniversary, beginning in your first anniversary (price at the least $100 towards journey).
- Annual payment: $395.
- Licensed customers: As much as 4 approved customers will be added at no cost.
- Credit score: A $300 credit score yearly for bookings made by means of Capital One’s journey reserving website.
- Incomes: The Enterprise X earns 10 miles per greenback spent on inns and automobile leases booked through Capital One’s journey reserving website, 5 miles per greenback spent on flights and trip leases booked through Capital One’s journey reserving website and a limiteless 2 miles per greenback spent on the whole lot else.
- International Entry or TSA PreCheck: As much as $120 in assertion credit for both TSA PreCheck or International Entry.
- Lounge entry: Complimentary entry for cardholders, approved customers and as much as two company per go to to Capital One Lounges and as much as two company touring with the cardholder or approved person to 1,300+ Precedence Move lounges worldwide (till Feb. 1, 2026, when these insurance policies change). After this, approved customers will not obtain complimentary entry to Capital One lounges or Precedence Move lounges (until they pay a $125 lounge entry payment), and cardholders will not be allowed two complimentary company to airport lounges (until they spend $75,000 on the Enterprise X in a calendar 12 months).
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Associated: The perfect premium bank cards: A side-by-side comparability
Who ought to get the Enterprise X?
When you’re contemplating the Enterprise X, let’s slender down why the cardboard may finest suit you.
You need simplicity in a premium card
The Enterprise X bank card is a premium card that is easy to make use of. In contrast to another merchandise, which provide a dizzying array of assertion credit and third-party companions, the Enterprise X retains its perks comparatively easy.
Actually, the Enterprise X presents advantages that even newbie vacationers can maximize, together with the aforementioned $300 annual credit score by means of the journey portal and the ten,000 anniversary miles. Simple arithmetic will present that between the annual journey credit score and bonus miles on every account anniversary, you are already breaking even on the $395 annual payment. And that does not embody quite a lot of different perks.
The Enterprise X additionally adopts a easy incomes construction, accruing 2 miles per greenback spent on most prices, complemented by elevated incomes charges for bookings made through Capital One’s journey reserving website.
Associated: 8 often requested questions concerning the Capital One Enterprise X card
You need entry to airport lounges
Whereas increasingly more journey bank cards appear to supply airport lounge entry lately, the Enterprise X nonetheless has a number of options that set it aside on this respect.
Enterprise X cardholders have entry to a rising community of Capital One Lounges, together with at Dallas Fort Value Worldwide Airport (DFW), Dulles Worldwide Airport (IAD), Denver Worldwide Airport (DEN), and a Capital One Touchdown at Reagan Nationwide Airport (DCA). The lounges have a contemporary design, premium eating experiences and a sturdy grab-and-go choice.
As well as, Enterprise X cardholders get entry to 1,300+ Precedence Move lounges worldwide.
You need free approved customers
Enterprise X cardholders can add as much as 4 approved customers without charge — a superb worth proposition for a premium journey rewards card.
Licensed customers additionally get Hertz President’s Circle elite standing. By registering by means of your Capital One account, your approved person can get pleasure from top-tier standing with Hertz automobile leases.
Upon enrollment, accessible by means of the Capital One web site or cell app, eligible cardholders will stay at that standing stage by means of the period of the provide. Please be aware, enrolling by means of the conventional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) is not going to mechanically detect a cardholder as being eligible for this system and cardholders is not going to be mechanically upgraded to the relevant standing tier. Further phrases apply.
You need a few of the finest journey safety advantages
This Visa Infinite card presents a few of the business’s most complete journey and journey safety advantages.
That features journey cancellation and interruption insurance coverage, journey delay reimbursement, misplaced baggage reimbursement, cellphone safety, rental automobile safety, buy safety, prolonged guarantee safety and return safety.
Associated: 5 of probably the most underrated journey rewards playing cards
Who should not get the Enterprise X?
Whereas the Enterprise X is a powerful, high-end card, it is not for everybody. Let’s take a better look.
You need a strong community of premium lounges proper now
The Enterprise X presents in depth journey perks, however up to now, it has simply three proprietary airport lounges open and one eating idea.
Certainly, whereas Capital One has grand ambitions with its personal lounge community, American Specific has a major head begin with Centurion Lounges at greater than 20 airports, in addition to the International Lounge Assortment, which incorporates Precedence Move™ lounges and Delta Sky Golf equipment (when catching a same-day Delta flight).
Due to this fact, sure flyers who typically use the lounge may want a card like The Platinum Card® from American Specific.
You do not journey a lot or plan to leverage switch companions
To really maximize the Enterprise X card, it is best to think about leveraging Capital One’s switch program.
Capital One has made a number of important developments to its mileage program over the previous few years, together with shifting from simply fixed-rate redemptions to including airline and lodge switch companions and enhancing mileage switch charges.
When you do not use switch companions, the most effective you are able to do is a redemption price of 1 cent per mile.
Associated: How (and why) it is best to earn transferable bank card factors
Backside line
Nonetheless, for these on the lookout for a card with higher lounge entry or who do not want the pliability of airline and lodge switch companions, there could also be higher choices on the market.
That mentioned, we predict the cardboard is almost a no brainer for vacationers starting from luxurious seekers to the extra budget-minded.
To study extra, learn our full assessment of the Enterprise X.
Study extra: Capital One Enterprise X
For Capital One merchandise listed on this web page, a few of the above advantages are supplied by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
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