Hyperlink: Apply now for the Capital One Enterprise X Rewards Credit score Card
The Capital One Enterprise X Rewards Credit score Card is a card that’s in a league of its personal. I’d say this card is sort of too good to be true, due to all of the superb advantages it presents for an affordable price. The Enterprise X has a giant welcome bonus, an ideal return on on a regular basis spending, lounge entry, plenty of worthwhile journey perks, and unmatched licensed person advantages.
Let’s check out all features of the cardboard, together with the welcome bonus, annual price, rewards construction, perks, and extra.
Capital One Enterprise X 75K miles welcome bonus
The Capital One Enterprise X is providing a welcome bonus of 75,000 miles after spending $4,000 on purchases throughout the first three months. Personally, I worth Capital One miles at 1.7 cents every, so to me, the 75,000 miles are price ~$1,275. That is certainly one of the perfect bank card bonuses on the market.
Observe that you just’re eligible for this card (together with the bonus) even you probably have the usual Enterprise product, so you may apply outright. Whereas there could also be alternatives to product change, you gained’t obtain the brand new card member bonus in case you go that route.
Capital One Enterprise X approval ideas & methods
Capital One is usually a quirky card issuer with regards to getting authorised for playing cards. Anecdotal experiences counsel that lots of people are having luck with approvals for the Capital One Enterprise X, which is nice. Just a few issues to notice:
- Sure, you’re eligible for the Capital One Enterprise X (together with the bonus) even you probably have the Capital One Enterprise, however it’s essential to apply outright; product altering doesn’t qualify for the bonus
- Should you’re added as a licensed person on the Capital One Enterprise X (or some other Capital One card), you’re eligible to use for the cardboard your self sooner or later, and obtain the bonus
- Capital One doesn’t appear to have any constant guidelines with regards to getting authorised, no less than not like Amex and Chase; individuals with every kind of credit score profiles are reporting approvals
- Capital One pulls your credit score from all three bureaus while you apply, although personally I don’t contemplate that to be a giant deal
Study extra about getting authorised for the Capital One Enterprise X.
Capital One Enterprise X $395 annual price
The Capital One Enterprise X has a $395 annual price. Observe that this annual price is for the first card member, after which you may add as much as 4 licensed person playing cards at no additional price. Not solely are you able to rack up rewards for his or her spending, however you can even get them some superior perks.
Whereas that annual price may sound vital, everybody who considers this card ought to have the ability to get outsized worth from that price, and holding onto the cardboard ought to find yourself costing you little or no. I’ll speak about that in additional element beneath, however the card presents two annual advantages that greater than offset the annual price, for my part.
Capital One Enterprise X rewards construction
The Capital One Enterprise X has a profitable rewards construction, and presents 2-10x Capital One miles per greenback spent, all with no international transaction charges. Let’s go over the main points of every of those factors.
Enterprise X 5-10x miles with Capital One Journey
The Capital One Enterprise X presents bonus rewards for journey booked by way of the Capital One Journey portal. Particularly, you may earn 10x miles on accommodations and rental automobiles booked by way of Capital One Journey, and 5x miles on flights booked by way of Capital One Journey.
Primarily based on my valuation of 1.7 cents per Capital One mile, that’s like a 17% return on accommodations and rental automobiles, and an 8.5% return on flights. Some individuals may discover it to be worthwhile to e book by way of Capital One Journey to earn these rewards, however there’s typically a possibility price to utilizing a portal.
Enterprise X 2x miles on all different purchases
One of many best issues concerning the Capital One Enterprise X is that it presents a minimal of 2x Capital One miles on all purchases. That makes this among the finest playing cards for on a regular basis spending, as I worth that at a 3.4% return on spending. I’d extremely advocate utilizing this card as your private card for on a regular basis spending, because you gained’t discover a higher return on some other card, for my part.
Whereas another playing cards could have profitable bonus classes, you may’t beat the convenience and common worth of incomes 2x miles on all purchases.
Enterprise X no international transaction charges
The Capital One Enterprise X has no international transaction charges, making it an ideal card for purchases overseas. Not solely are you able to keep away from international transaction charges (which will be round 3% on another playing cards), however you may earn rewards overseas as nicely.
Capital One Enterprise X perks & rewards
The Capital One Enterprise X actually stands out with regards to the perks provided by the cardboard. This consists of every thing from a $300 annual Capital One Journey credit score, to 10,000 Enterprise anniversary bonus miles, to lounge entry, and far, way more.
What’s particularly noteworthy concerning the card — and actually unprecedented — is the variety of perks that licensed customers additionally obtain. Let’s go over the main points of every of those factors.
Enterprise X $300 annual Capital One Journey credit score
The Capital One Enterprise X presents a $300 annual credit score that can be utilized by way of Capital One Journey, beginning your first 12 months. You possibly can apply this to a $300 buy by way of Capital One Journey, and may use it towards a flight, resort, or rental automotive. That is fairly easy to make use of — my most popular technique is to easily e book a $300+ flight, and get $300 off that buy quantity.
I’d contemplate that credit score to roughly be price face worth, so to me that’s the equal of a roughly 75% rebate on the cardboard’s $395 annual price.
Enterprise X 10,000 miles anniversary bonus
The Capital One Enterprise X presents 10,000 Capital One miles in your account anniversary yearly, beginning in your first anniversary. At a minimal, you may redeem these 10,000 miles for one cent every towards a journey buy, in order that’s price a minimal of $100. Nonetheless, in case you’re a savvy factors redeemer, you may get much more worth out of that perk.
Enterprise X Precedence Go membership
The Capital One Enterprise X presents each the first card member and as much as 4 licensed customers a Precedence Go membership. A Precedence Go membership supplies entry to 1,300+ lounges world wide. With the Precedence Go membership issued by way of the cardboard, you may deliver two friends into lounges with you at no additional price.
Enterprise X Capital One Lounge entry
The Capital One Enterprise X presents each the first card member and as much as 4 licensed customers entry to Capital One Lounges. To this point, Capital One has lounges in Dallas (DFW), Washington (IAD), and Denver (DEN), and these are wonderful, a lot better than your typical Precedence Go lounge. They function seize & go meals, chilly brew on faucet, and scrumptious meals and drinks to get pleasure from within the lounge.
Capital One Enterprise X card members obtain limitless visits to Capital One Lounges, and may deliver two friends with them. Should you fly out of DFW, IAD, or DEN with any frequency, there’s large worth to gaining access to a Capital One Lounge, for my part.
Enterprise X Plaza Premium Lounge entry
The Capital One Enterprise X presents entry to Plaza Premium Lounges for each the first card member and as much as 4 licensed customers. You possibly can deliver up two friends into these lounges.
These days many Plaza Premium Lounges additionally take part in Precedence Go, so you may entry many of those lounges in two methods. Nonetheless, there are some lounges that take part completely in Precedence Go, or which have higher phrases when accessing by way of a card instantly providing Plaza Premium entry.
Enterprise X Hertz President’s Circle elite standing
The Capital One Enterprise X presents Hertz President’s Circle standing for the first card member and licensed customers. This standing with Hertz presents perks like having the ability to skip the counter, assured upgrades, free further drivers, and extra. Should you lease from Hertz with any frequency, this ought to be price fairly a bit.
Enterprise X International Entry or TSA PreCheck credit score
The Capital One Enterprise X presents a TSA PreCheck or International Entry price credit score as soon as each 4 years. You simply must cost the applying price to your card, and it’ll robotically be reimbursed. Each of those applications supply a whole lot of worth in case you’re a frequent flyer. I like to recommend signing up for International Entry, since that comes with TSA PreCheck, whereas the inverse isn’t true.
Capital One Enterprise X licensed person perks
One thing that actually units the Capital One Enterprise X aside from all different premium playing cards is the licensed person perks. For my part this makes this the one greatest card for households. You possibly can add as much as 4 licensed customers on the non-public model of the Enterprise X, they usually obtain a lot of the identical perks, together with:
- A Precedence Go membership
- Capital One Lounge entry
- Hertz President’s Circle standing
The principle issues licensed customers aren’t getting are an incremental $300 Capital One Journey credit score, 10,000 anniversary bonus miles, and a International Entry or TSA PreCheck credit score. That is fairly actually probably the most profitable card for licensed customers, and you may’t beat this sort of a setup for households.
Capital One Enterprise X buy safety (rental automobiles, journey, cell telephones)
One factor that many individuals search for in premium bank cards is nice buy safety. The Capital One Enterprise X is a Visa Infinite Card, and because of this, it presents some worthwhile peace of thoughts:
- For rental automobiles, the Enterprise X presents major rental automotive protection; simply decline the collision injury waiver provided by the automotive rental firm, and pay for the complete worth of the rental along with your card
- For cell telephones, the Enterprise X presents cellphone safety; simply pay your month-to-month invoice with the cardboard, and also you’ll be protected with a $50 deductible
- For flights, the Enterprise X presents journey delay reimbursement; pay on your airline ticket with the cardboard, and in case you’re delayed by greater than six hours or have an in a single day keep, you will be reimbursed as much as $500 for affordable bills incurred due to the delay
- For baggage, the Enterprise X presents misplaced baggage reimbursement; pay on your airline ticket with the cardboard, and in case your bag is misplaced, you will be reimbursed
In fact, you’ll wish to seek the advice of the cardboard member settlement for all of the phrases, since there are all the time some restrictions related to this protection. However that is extremely well-rounded protection, and what I search for in a premium card.
Methods to redeem Capital One miles
As you may see above, the Capital One Enterprise X earns Capital One miles, and also you earn a minimal of 2x miles per greenback spent on purchases. How will you really redeem these miles, although? There are a few methods to most effectively redeem Capital One miles:
- Miles will be redeemed for one cent every towards the price of a journey buy
- Miles will be transferred to Capital One’s airline and resort companions, sometimes at a 1:1 ratio
Let’s briefly speak about each of these redemption strategies.
Redeem Capital One miles towards journey prices
One option to redeem Capital One miles is on the price of 1 cent per mile towards the price of a journey buy. This implies you’re incomes two cents per greenback spent towards journey, for the reason that card presents limitless 2x miles.
If you wish to redeem your miles towards the price of a journey buy, one of the best ways to take action is with protecting journey purchases. With this, you may make an eligible journey buy utilizing your card, after which you may log on after the actual fact and use your miles to pay for the acquisition inside 90 days of the date of buy. Your credit score will then be utilized inside two to a few days.
Eligible journey purchases utilizing your Capital One miles embrace purchases produced from airways, accommodations, rail traces, automotive rental companies, limousine providers, bus traces, cruise traces, taxi cabs, journey brokers, and timeshares.
It’s so good to have the pliability to make your journey buy nonetheless you’d like, after which have the acquisition reimbursed after the actual fact. Alternatively, you may e book by way of the Capital One Journey Portal, and pay on your buy instantly with miles.
I can’t emphasize sufficient how profitable it’s to no less than get a return of two cents on the greenback on all your online business spending. A overwhelming majority of individuals utilizing journey rewards playing cards for on a regular basis spending aren’t getting that stage of return.
Convert Capital One miles into airline or resort factors
Personally my most popular option to redeem Capital One miles is to switch them to Capital One’s airline and resort companions. Capital One has practically 20 journey companions, starting from Air Canada Aeroplan, to Air France-KLM Flying Blue, to British Airways Govt Membership, to Emirates Skywards, to Turkish Airways Miles&Smiles.
Should you put some effort into studying how one can redeem miles & factors, you may get means outsized worth this manner. For instance, a one-way Air France enterprise class award throughout the Atlantic begins at simply 50,000 miles one-way. That’s how I just lately flew Air France’s superb new A350 enterprise class from New York to Paris.
If paying money, that ticket would price have 1000’s of {dollars}. In the meantime I booked it for simply 50,000 miles, the equal of $500 price of journey. Not unhealthy, eh?
Is the Capital One Enterprise X price it?
The Capital One Enterprise X is jaw-droppingly beneficiant, and that’s not even accounting for the cardboard’s welcome bonus. The cardboard has a $395 annual price, which is decrease than the charges of different premium bank cards. However the card shouldn’t be costing anybody practically that a lot, between the $300 annual Capital One Journey credit score, and the ten,000 anniversary bonus miles. To me you’re popping out forward with out even utilizing the cardboard for on a regular basis spending.
That doesn’t even think about that the cardboard has enormous worth past that — the Capital One Enterprise X presents an industry-leading 2x miles per greenback spent, and most importantly, presents entry to Capital One Lounges plus a Precedence Go membership, for each the first card member and the (free) licensed customers.
Making use of for this card is an absolute no-brainer, for my part. Whereas there are decrease annual price variations of the Capital One Enterprise, the maths provides up right here.
How does the Capital One Enterprise X Enterprise examine?
The Capital One Enterprise X Enterprise (evaluate) is the enterprise model of the Capital One Enterprise X. Whereas I feel there’s one thing to be mentioned for having each playing cards, how do the 2 playing cards examine?
- What the playing cards have in frequent is that they’ve the identical annual charges, identical rewards construction, they usually each supply a $300 annual journey credit score, 10,000 anniversary bonus miles, a Precedence Go membership, and Capital One Lounge entry
- The private model of the cardboard has the benefit of providing lounge entry for licensed customers, Hertz President’s Circle standing, and cellphone safety
- The enterprise model of the cardboard has the benefit of providing a a lot greater bonus (although additionally with a much bigger spending requirement), and of getting no preset spending restrict
I’d say each playing cards are extremely profitable. The private model of the cardboard is probably extra of a slam dunk when it comes to worth, and nearly falls into the “too good to be true” class. Like I mentioned, on condition that there’s nearly no price to holding onto these playing cards (as a result of perks), I feel there’s advantage to having each playing cards. That’s the state of affairs I’m in.
Capital One Enterprise X FAQs
There are some questions I’ve acquired time and again concerning the Capital One Enterprise X, so I figured I’d reply these in a consolidated means within the type of some often requested questions. If there are any questions I haven’t answered on this put up, please let me know within the feedback, and I’ll be sure you incorporate that as nicely. In no explicit order…
Are you eligible for the Enterprise X you probably have the Enterprise?
Yep, you certain are. You possibly can simply apply outright, and also you’re eligible for the cardboard, together with the bonus. Whereas there could be alternatives to product change, you usually gained’t obtain a bonus for product altering.
Are you able to product change to the Enterprise X?
When you’ve got one other private Capital One journey rewards card, just like the Enterprise, you could possibly product change to the Enterprise X. You’ll must cellphone up Capital One to see what choices can be found to you. Nonetheless, notice that you just aren’t eligible for the welcome bonus in case you product change.
What number of licensed customers are you able to add to the Enterprise X?
You possibly can add as much as 4 licensed customers to the Enterprise X at no additional price, they usually all obtain Capital One Lounge entry, a Precedence Go membership, and extra (Charges & Charges).
What lounge entry does the Enterprise X supply?
The Enterprise X presents a Precedence Go membership, getting you entry to 1,300+ lounges world wide, with the power to take as much as two friends. Moreover, it presents entry to Plaza Premium Lounges, with the power to take as much as two friends. Lastly, you may entry Capital One Lounges, additionally with two friends. These perks apply each to the first card member and licensed customers.
What credit score rating do it’s essential to be authorised for the Enterprise X?
There’s not a particular credit score rating it’s essential to be authorised for the Enterprise X, although the cardboard is usually meant for these with good to wonderful credit score. Capital One has pretty few constant guidelines about approvals in any other case, and experiences counsel that lots of people are efficiently being authorised for the cardboard.
When does the Enterprise X welcome bonus finish?
The Enterprise X is providing a bonus of 75,000 miles after assembly minimal spend necessities. I’ve no indication of if/when this bonus will change.
Is the Enterprise X card fabricated from steel?
Yep, the Capital One Enterprise X is certainly fabricated from steel.
How will you redeem the Enterprise X $300 journey credit score?
The Enterprise X $300 journey credit score is issued every anniversary 12 months (together with the primary 12 months), and can be utilized towards any buy within the Capital One Journey portal. This consists of buying flights, accommodations, rental automobiles, and so forth. For most individuals this ought to be roughly good as money towards journey.
How does the Enterprise X 10K anniversary bonus miles work?
The Enterprise X presents an automated 10,000 bonus miles on the account anniversary yearly. This couldn’t be extra easy, because the miles will robotically put up to your account. You possibly can redeem them everytime you’d like, nonetheless you’d like. 10,000 miles may get you $100 price of journey, or alternatively may get you as much as 10,000 bonus miles with certainly one of Capital One’s airline companions.
Is the Enterprise X a Mastercard or Visa?
The Enterprise X is a Visa Infinite Card, which is Visa’s most premium sort of bank card.
Backside line
The Capital One Enterprise X is Capital One’s premium private journey card, and I’d argue it’s the one most profitable card available on the market.
Whereas the cardboard has a $395 annual price, that’s straightforward to justify due to the $300 annual Capital One Journey credit score and 10,000 anniversary bonus miles. On prime of that, the cardboard presents a Precedence Go membership, Capital One Lounge entry, an ideal return on spending, every kind of different perks, and even the perfect licensed person perks within the {industry}, all with no preset spending restrict.
Should you don’t but have this card, you’re actually lacking out.
If you wish to study extra concerning the Enterprise X or wish to apply, comply with this hyperlink.
Upon enrollment, accessible by way of the Capital One web site or cellular app, eligible cardholders will stay at upgraded standing stage by way of December 31, 2024. Please notice, enrolling by way of the traditional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) is not going to robotically detect a cardholder as being eligible for this system and cardholders is not going to be robotically upgraded to the relevant standing tier. Further phrases apply.
For Capital One merchandise listed on this web page, among the above advantages are supplied by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.