The Capital One Enterprise Rewards Credit score Card is a stable possibility for journey fanatics to earn Capital One miles for a modest $95 annual payment.
Nevertheless, if you wish to be authorised for this card, you will need to make certain you are eligible first. That is very true if you have already got different Capital One playing cards in your pockets.
Capital One not too long ago tightened restrictions for approval throughout its Enterprise household of playing cards, making it much more necessary to overview your standing earlier than you apply. Here is every part it’s good to know.
Are you eligible to use for the Capital One Enterprise?
There are a number of elements to contemplate for those who’re hoping to be authorised for the Enterprise and obtain its bonus, together with the brand new adjustments to eligibility throughout the Enterprise lineup.
Capital One utility guidelines
You must wait six months between your Capital One card purposes. So, for those who’ve been authorised for any Capital One card throughout the final six months, you will want to attend if you wish to be authorised for the Enterprise.
What if I obtained a Enterprise card welcome bonus prior to now?
In case you’ve beforehand obtained the Enterprise’s welcome bonus, you need to wait 48 months to be authorised for the cardboard and obtain the bonus once more.
What if I have already got the Enterprise X or VentureOne playing cards?
That is the place the newest change kicks in. Capital One’s latest Enterprise lineup household rule applies the 48-month rule whenever you transfer “down” throughout the Enterprise suite, when it comes to annual charges.
So, for those who’ve earned the bonus on the Capital One Enterprise X Rewards Credit score Card ($395 annual payment) within the final 48 months, you are not eligible for the Enterprise card or its bonus. Nevertheless, for those who’ve earned the bonus on the no-annual-fee Capital One VentureOne Rewards Credit score Card, you’re nonetheless eligible to be authorised for the Enterprise and its bonus — since you are going “up the ladder” almost about annual charges.
Here is what the cardboard’s phrases need to say about this:
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“You aren’t eligible for this product you probably have obtained a brand new cardmember bonus for the Capital One Enterprise card or the Capital One Enterprise X card prior to now 48 months.”
What credit score rating do I must qualify for the Enterprise?
TPG recommends a minimal rating of 670 for approval for the Enterprise Rewards, though people with decrease scores have additionally been authorised.
Capital One particularly mentions that you must have wonderful credit score to qualify. Nonetheless, we have seen a number of reviews of individuals getting authorised regardless of having a credit score rating under 670. So, it could be value making use of even for those who’re under that mark.
In case you have exceptionally low credit score or no credit score, it is best to attend and apply for a credit-building card as a substitute.
Associated: Bank card showdown: Capital One Enterprise vs. Capital One Enterprise X
Capital One Enterprise Rewards particulars
In case you’re eager about making use of for the Enterprise, listed here are the fundamentals to know in regards to the card.
Present welcome bonus
New candidates can earn 75,000 bonus miles after spending $4,000 on purchases throughout the first three months from account opening.
TPG’s November 2025 valuations deem the whole worth of this bonus at $1,388. That is the usual welcome supply we usually see on this card.
There are two major methods to redeem these miles. One possibility is to redeem them at a flat price towards any travel-related bills in your assertion. This consists of future bookings by the Capital One Journey portal, parking charges, rental vehicles and ride-hailing providers, amongst a number of different kinds of journey. This redemption technique presents a flat price of 1 cent per mile.
A extra advantageous various may contain transferring your miles to Capital One’s 15-plus switch companions. Most companions supply an easy switch ratio of 1:1. By transferring your miles to a extremely profitable associate, comparable to Air Canada Aeroplan or Air France-KLM Flying Blue, you’ll be able to simply get vital worth out of your miles.
Annual payment
The Enterprise has an annual payment of $95, which feels cheap given this card’s perks.
Incomes
The Enterprise Rewards presents an incomes price that is easy but rewarding. You will earn:
This card is a good possibility for individuals who do not need to monitor a number of bonus classes and as a substitute want incomes a flat reward price on most purchases.
Different advantages
Past the welcome bonus, listed here are the continued advantages of the Enterprise Rewards:
Associated: 7 kinds of purchases you must make together with your Capital One Enterprise Rewards card
Backside line
Nevertheless, if you have not obtained a bonus on the Enterprise or Enterprise X in 48 months, wait six months between Capital One card purposes and have a TPG-recommended credit score rating of at the least 670, this stable rewards card will seemingly be yours.
To be taught extra, learn our full overview of the Enterprise.
Be taught extra: Capital One Enterprise Rewards Credit score Card
For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
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