Capital One Enterprise X Rewards Credit score Card Assessment

Should you’re like me, you’re all the time looking out for methods to make your adventures extra inexpensive and satisfying. That’s why I accumulate factors and miles. They assist me journey longer, higher, and cheaper.

Right this moment I need to discuss a card that’s been rising in reputation over the previous few years: the Capital One Enterprise X Rewards Credit score Card. It’s designed for vacationers who need to simply rack up miles with out having to maintain monitor of bonus classes.

And, prior to now couple of years, they’ve actually improved the cardboard. It’s one of many fundamental playing cards I exploit now as a result of I really like their journey portal, their switch companions, and all of the perks that include the cardboard.

With a hefty sign-up bonus, premium journey advantages, and a powerful rewards construction, the Enterprise X is price contemplating for those who’re in search of a brand new card. Right here’s all the pieces you must know in regards to the card and why I feel you must think about getting it:

What’s the Capital One Enterprise X Rewards Credit score Card?

The Capital One Enterprise X Rewards Credit score Card is a journey rewards card issued by Capital One. What I really like about this card is its miles system. For each greenback you spend, you earn two miles, which (together with the lower-fee Capital One Enterprise Rewards Card) is exclusive amongst journey bank cards. There’s additionally no extra value for as much as 4 approved customers, making this an excellent choice for households who want a number of playing cards.

Along with incomes not less than 2x miles on each buy, you possibly can earn miles the next methods:

• 75,000 bonus miles while you spend $4,000 on purchases within the first three months after opening the account
• 10x miles on motels and rental vehicles booked by means of Capital One Journey
• 5x miles on flights and trip leases booked by means of Capital One Journey

Different Perks and Advantages of the Capital One Enterprise X

Apart from incomes miles, the Enterprise X packs a punch with its vary of perks:

• $300 journey credit score when reserving by means of the Capital One portal
• As much as $120 credit score for International Entry or TSA PreCheck
• Limitless complimentary entry to Capital One, Precedence Go, and Plaza Premium lounges
• 10,000 bonus miles yearly, beginning in your first anniversary
• $100 expertise credit score and different premium advantages with each lodge and trip rental booked from the Premier Assortment
• Journey insurance coverage protection, together with main automotive rental insurance coverage, journey interruption and cancellation, and baggage reimbursement
• No overseas transaction charges

With an annual charge of $395, it’s additionally the most affordable premium journey card on the market (plus, if you need to use the $300 journey credit score, that brings the charge right down to a manageable $95).

Utilizing Your Capital One Miles

Capital One miles may be redeemed in just a few methods. One is by reserving journey straight by means of Capital One’s portal. Whereas I often don’t advocate reserving by means of bank card portals, to totally profit from the Enterprise X’s journey credit score, you’ll have to ebook not less than $300 price of journey this fashion.

Another choice is to make use of your miles to get reimbursed for any journey buy. For 90 days after making such a purchase order, you possibly can reimburse your self at a redemption charge of 1 cent per mile. After 90 days, and for all different purchases, you need to use miles as money again, at a redemption charge of 0.5 cents per mile (however keep away from doing this, because it’s not an excellent worth).

Nevertheless, you’ll get probably the most out of your miles by transferring them to Capital One’s 15+ airline and lodge companions. Whereas the precise worth varies primarily based on what you ebook, you possibly can often discover airline and lodge redemptions price rather more than the aforementioned one cent per mile. (The method is fairly easy and may be performed by means of your Capital One account.)

Listed here are Capital One’s present journey companions:

• Accor Dwell Limitless
• Aeromexico Membership Premier
• Air Canada Aeroplan
• Air France/KLM Flying Blue
• Avianca LifeMiles
• British Airways Govt Membership
• Cathay Pacific Asia Miles
• Alternative Privileges
• Emirates Skywards
• Etihad Airways Visitor
• EVA Air Infinity MileageLands
• Finnair Plus
• Qantas Frequent Flyer
• Singapore Airways KrisFlyer
• TAP Portugal Miles&Go
• Turkish Airways Miles&Smiles
• Virgin Pink
• Wyndham Rewards

Utilizing switch companions is a game-changer for those who’re trying to maximize the worth of your miles. That’s why, until I discover a tremendous low-cost flight or lodge room (lower than $150 USD), I all the time switch miles to Capital One’s journey companions. That’s very true when reserving enterprise class flights or fancy lodge rooms. You simply get extra worth to your cash.

Plus, with instruments like level.me and Awayz (serps that aid you discover the perfect flights and motels to ebook with miles), it’s simpler than ever to seek out the perfect redemption choices.

Professionals of the Capital One Enterprise X

• Substantial welcome supply
• 2x miles on each buy
• $300 annual journey credit score
• 15+ switch companions
• Journey accident and automotive rental insurance coverage
• As much as a $120 credit score for International Entry or TSA PreCheck
• Entry to Capital One and Precedence Go airport lounges
• No overseas transaction charges

Cons of the Capital One Enterprise X

• Steep $395 annual charge
• Should use Capital One’s Journey Portal to benefit from some advantages (e.g., 10x miles per greenback on motels, trip leases, and rental vehicles)
• Switch companions are a bit missing (no US airways and never the perfect motels)

Who is that this card for?

The Capital One Enterprise X is finest for frequent vacationers who need a easy card with a better incomes charge on all purchases. Should you ceaselessly fly and keep in motels, and are prepared to pay an annual charge for premium advantages, this card is tailor-made for you.

Who is that this card not for?

On the flip facet, for those who’re not a frequent traveler or don’t spend sufficient to offset the $395 annual charge, the Enterprise X won’t be the perfect match. It’s additionally not excellent for those who’re in search of a card with a excessive rewards charge in particular classes like eating or groceries.

Should you journey often or favor a decrease annual charge, you would possibly need to choose one other card that higher aligns together with your spending habits and journey frequency. As a result of there is no such thing as a proper card — solely the cardboard that’s best for you!

The Capital One Enterprise X Rewards Credit score Card is a powerhouse for many who journey typically and need to get pleasure from top-tier perks. Weigh the professionals and cons to see if it’s the suitable match to your journey life-style however I guess it’s! Like I mentioned within the intro, it’s one in all my favourite playing cards and I positively advocate getting it.