Why it’s best to add licensed customers on the Capital One Enterprise X

The Capital One Enterprise X Rewards Credit score Card has carved out a powerful place within the premium rewards bank card market, giving legacy playing cards like The Platinum Card® from American Categorical and the Chase Sapphire Reserve® (see charges and charges) a run for his or her cash.

Whereas the Enterprise X’s $395 annual payment remains to be one thing to think about, it is a lot decrease than what Capital One’s rivals cost. Not solely are the cardboard’s perks aggressive, however many even lengthen to licensed customers — and cardholders can add as much as 4 licensed customers at no further value. (Nonetheless, there are some adjustments coming in February, that are defined under.)

Let’s evaluate the complete suite of advantages that further customers of the Enterprise X card can get pleasure from. Specifically, we’ll spotlight the rising variety of lounges you and your touring companions can all go to collectively.

Enterprise X overview

Earlier than we dig in, let’s evaluate the main points of the Enterprise X.

For a $395 annual payment, Enterprise X cardholders obtain:

• Welcome bonus: Earn 75,000 bonus Capital One miles after spending $4,000 on purchases within the first three months from account opening. This supply is value $1,388 based mostly on TPG’s September 2025 valuations.
• Incomes charges: Earn 10 miles per greenback spent on accommodations and rental vehicles booked via Capital One Journey, 5 miles per greenback spent on flights and trip leases booked via Capital One Journey and a pair of miles per greenback spent on all different purchases.
• Annual credit score: Obtain a $300 credit score yearly whenever you ebook journey together with your Enterprise X via Capital One Journey.
• Anniversary bonus: Earn 10,000 bonus miles each account anniversary.
• Capital One Lounge entry: Get limitless entry to Capital One Lounges for you and two complimentary visitors (every visitor after that may value $45).*
• Precedence Move membership: Take pleasure in entry to greater than 1,300 Precedence Move lounges worldwide for you and as much as two visitors touring with you.*
• World Entry or TSA PreCheck reimbursement: Obtain as much as a $120 assertion credit score each 4 years for both Trusted Traveler Program.
• No international transaction charges

*Visitor entry is ready to alter beginning Feb. 1, 2026.

Associated: 6 issues to do whenever you get the Capital One Enterprise X

Enterprise X lounge coverage adjustments

Enterprise X cardholders will quickly discover some main adjustments to the lounge entry coverage for visitors and licensed customers. The next adjustments will take impact Feb. 1, 2026:

• Licensed customers will now not obtain complimentary lounge entry; as a substitute, main cardholders must pay $125 per licensed consumer (as much as 4 customers) for them to obtain lounge entry.
• Major cardholders and licensed customers will now not be capable to usher in visitors to Capital One lounges totally free except they spend a minimum of $75,000 on their card in a calendar 12 months; if not, visitors will value $45 per grownup and $25 for youngsters 17 and youthful (youngsters below 2 proceed to enter totally free).
• Equally, Precedence Move visitor entry will now not be complimentary and can value $35 per visitor, even when you spend $75,000 or extra in your card.

Which Enterprise X advantages apply to further cardholders?

Whereas the Enterprise X’s $395 annual payment could appear excessive on paper, one key profit is the power so as to add as much as 4 licensed customers for no further cost. That is vital contemplating the Amex Platinum and the Chase Sapphire Reserve each cost $195 per licensed consumer (see charges and charges for the Amex Platinum).

This makes the Enterprise X a way more reasonably priced choice for {couples} and households, plus many perks lengthen to licensed customers as properly.

Airport lounge entry

Cardholders and licensed customers obtain entry to Capital One’s lounges at:

The facilities — like Peloton bikes and premium, domestically sourced eats — are excellent.

Nonetheless, it is vital to notice once more that starting Feb. 1, 2026, visitor entry for the first cardholder and lounge entry for licensed customers is altering and can now not be complimentary.

Presently, Enterprise X cardholders additionally get a complimentary Precedence Move lounge membership (with the power to deliver as much as two complimentary visitors touring with them).

Nonetheless, what makes the Enterprise X’s lounge privileges much more compelling is that licensed customers can get pleasure from the identical lounge entry privileges as the first cardholder. So, you’ll be able to add 4 free licensed customers to your card, and every can go to all of the lounges named above whereas additionally bringing in visitors. You probably have a big household, this profit may very well be invaluable.

Simply know that an grownup should accompany visitors below 18 years outdated.

For example you opened the Enterprise X after which added 4 further customers. You and every of your licensed customers would be capable to get into Capital One and taking part Precedence Move lounges, together with two complimentary visitors every. Add all of it collectively — 5 cardholders plus two visitors apiece — and you could possibly get 15 vacationers into the airport lounge altogether (a kind of individuals being you).

Simply observe that the precise process for accessing these lounges varies:

• Capital One Lounges: Present your Enterprise X card and an eligible, same-day confirmed boarding cross for entry.
• Precedence Move lounges: Register on your complimentary Precedence Move membership at this hyperlink utilizing your Enterprise X particulars. Then, current your Precedence Move card and an eligible, same-day boarding cross for entry.

This is applicable to each the first cardholder and licensed customers on the cardboard.

Associated: The ten finest Precedence Move lounges world wide

Complimentary Hertz President’s Circle elite standing

Hertz’s partnership with Capital One grants complimentary Hertz President’s Circle elite standing** to Enterprise X main cardholders and licensed customers. This top-tier standing will get you a assured one-class automobile improve, 50% bonus factors on all leases, entry to a broader vary of vehicles and a devoted customer support line.

Eligible cardholders should enroll via the Capital One web site or cellular app. Cardholders can register by visiting their eligible card’s “Rewards” tab or “Capital One Journey Advantages” tab and clicking on the Hertz profit tile. Major cardholders should enroll licensed customers via this similar course of.

You can even stack this profit with the power to earn further miles on rental automobile bookings made with Capital One Journey. You may get your Hertz perks and earn 10 miles per greenback spent on leases booked with Capital One Journey, which is not a stacking mixture accessible with different playing cards, portals or rental businesses. On this means, you are assured one of the best of each worlds.

**Upon enrollment, accessible via the Capital One web site or cellular app, eligible cardholders will stay at that standing degree via the length of the supply. Please observe that enrolling via the traditional Hertz Gold Plus Rewards enrollment course of (e.g., at hertz.com) won’t robotically detect a cardholder as being eligible for this system, and cardholders won’t be robotically upgraded to the relevant standing tier. Extra phrases apply.

Buy and journey protections

The Enterprise X is a Visa Infinite card, so there are a number of vital journey and buy protections that each the first cardholder and licensed customers can rely on:

• Cellphone safety: Obtain as much as $800 in protection per declare, with a most of two claims and $1,600 per 12-month interval. A $50 deductible applies per prevalence.
• Misplaced baggage reimbursement: Obtain as much as $3,000 per coated journey if the airline damages or loses your luggage.
• Major rental automobile insurance coverage: Obtain as much as $75,000 as a consequence of injury brought on by collision or theft to a rental automobile.
• Buy, prolonged guarantee and return protections: Obtain as much as $10,000 per declare and $50,000 per account on purchases. Warranties are prolonged by a further 12 months. Return protections are for as much as $300 per merchandise and $1,000 per account.
• Journey cancellation and interruption insurance coverage: Obtain as much as $2,000 per individual for pay as you go, nonrefundable tickets for you and speedy relations.
• Journey delay reimbursement: Obtain as much as $500 per individual for affordable bills like resort rooms, meals, toiletries or garments when your flight is delayed in a single day or by six hours or extra.

Which advantages do not Enterprise X licensed customers obtain?

Licensed customers on the Enterprise X don’t obtain their very own $300 annual credit score or one other World Entry or TSA PreCheck software payment credit score. Every of those is proscribed to a single credit score per account. Which means these credit ought to apply to eligible prices made with a further card on the account, however they may rely towards the first cardholder’s profit.

Likewise, solely the first cardholder will obtain the ten,000-mile anniversary bonus.

That stated, licensed customers’ spending racks up Capital One miles on the similar charges as the first card, and their purchases will rely towards the cardboard’s minimal spending requirement to earn the introductory bonus. So, including customers to your account and having them spend (responsibly) in your behalf may show you how to snag these 75,000 bonus miles even quicker.

The right way to add licensed customers to your Enterprise X

When you determine so as to add licensed customers to your Enterprise X, go to your Capital One account and search for the “I Need To” button on the precise aspect of the display. Then, click on “Add Account Consumer.”

You will then need to determine the extent of entry you need to present to your licensed consumer. You’ve gotten two choices:

• Account supervisor
• Licensed consumer

Here is a full chart of what main cardholders, account managers and licensed customers can entry.

When you evaluate the choices and make your choice, you will enter your licensed consumer’s first and final identify, cellphone quantity, date of beginning and Social Safety quantity.

Backside line

There is not any query about it: The Capital One Enterprise X offers beneficiant advantages to licensed customers. One of the best half is that you would be able to add 4 further cardholders at no further value, making the Enterprise X reasonably priced for bigger households and teams.

Subsequent time you go to a Capital One or Precedence Move lounge, you might be able to usher in the entire squad thanks to those licensed consumer advantages. Simply pay attention to the lounge entry adjustments coming in February.

For extra data, learn our full evaluate of the Capital One Enterprise X.

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Be taught extra: Capital One Enterprise X Rewards Credit score Card

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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.

For charges and charges of The Platinum Card from American Categorical, click on right here.