The Capital One Enterprise Rewards Credit score Card offers nice worth to occasional vacationers who need to maximize the miles they earn. This card includes a $95 annual payment and earns at the least 2 miles per greenback on all purchases.
Its flashier sibling, the $395-annual-fee Capital One Enterprise X Rewards Credit score Card, gives an enhanced journey expertise to compete with different premium merchandise like The Platinum Card® from American Specific and the Chase Sapphire Reserve® (see charges and costs).
If you happen to do not carry both card — the Enterprise Rewards or the Enterprise X — you could marvel: Must you apply for the well-established, crowd-pleasing Enterprise Rewards or go premium with the luxe Enterprise X?
Let’s look at each playing cards that will help you determine which Capital One card is the best choice.
Capital One Enterprise Rewards vs. Capital One Enterprise X comparability
| Card | Capital One Enterprise Rewards | Capital One Enterprise X |
|---|---|---|
| Annual payment | $95 | $395 |
| Welcome provide | Earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. | Earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. |
| Incomes charges |
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| Different advantages |
|
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| Overseas transaction charges | None | None |
Capital One Enterprise Rewards vs. Capital One Enterprise X welcome provide
The Enterprise Rewards and Enterprise X have the identical welcome provide: New cardholders can earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.
Each gives are price $1,388 primarily based on TPG’s August 2025 valuations, so you may get stable worth from the bonus regardless of which card you select.
Winner: Tie. Each playing cards present the identical welcome provide.
Associated: Easy methods to redeem Capital One’s 75,000 bonus miles welcome provide for max worth
Capital One Enterprise Rewards vs. Capital One Enterprise X advantages
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Conversely, the Enterprise X has a stronger record of advantages that greater than justify its increased annual payment should you can maximize them.
As a cardholder, you may get a $300 annual credit score for bookings made by way of Capital One Journey.
At the moment, Enterprise X cardholders and their licensed customers get complimentary entry to Capital One lounges and may deliver two friends at no cost. Beginning Feb. 1, 2026, you may must spend $75,000 in a calendar 12 months to maintain free visitor entry; in any other case, adults will value $45 every, youngsters 17 and beneath $25, and youngsters beneath 2 stay free.
With the Enterprise X, you may additionally get a Precedence Move lounge membership to over 1,700 places worldwide. Company can once more be a part of at no further value till Jan. 31, 2026, after which you may should pay $35 per visitor.
A further good thing about Enterprise X is you could add a restricted variety of licensed customers for no further payment. Nonetheless, beginning Feb. 1, 2026, in order for you your licensed consumer to have lounge entry, you may should pay $125 for the privilege.
You will additionally obtain 10,000 bonus miles, price $185 in accordance with TPG’s August 2025 valuations, at every cardholder anniversary, together with entry to Capital One’s Life-style Assortment and the posh Premier Assortment of lodges, journey protections, prolonged guarantee safety and cellphone safety.
Winner: Enterprise X. Because the extra premium card providing, it has a way more sturdy record of advantages than the Enterprise Rewards.
Associated: Is the Capital One Enterprise X definitely worth the $395 annual payment?
Incomes miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
With the Enterprise Rewards, you may earn 5 miles per greenback spent on lodges, trip leases and rental vehicles booked by way of Capital One Journey. Nonetheless, you probably have the Enterprise X, you may earn 10 miles per greenback spent on lodges and rental vehicles booked by way of Capital One Journey and 5 miles per greenback spent on flights and trip leases booked by way of the identical portal.
Winner: Enterprise X. It earns double the miles because the Enterprise Rewards on lodges and rental vehicles booked by way of Capital One Journey. The Enterprise X additionally earns bonus miles on flights booked by way of Capital One Journey, whereas the Enterprise Rewards doesn’t.
Associated: 7 varieties of purchases it’s best to make along with your Capital One Enterprise Rewards card
Redeeming miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
You will get probably the most worth by transferring your miles to one in every of Capital One’s 15-plus switch companions, however you may also redeem them for a press release credit score to cowl journey purchases or reward playing cards at a flat fee of 1 cent per mile.
Each playing cards mean you can redeem your miles for money again, however you may get a a lot decrease fee of 0.5 cents per mile, so we suggest avoiding this selection each time doable.
Winner: Tie. Each playing cards provide the similar choices to redeem your miles.
Associated: Must you switch Capital One miles to companions or redeem instantly for journey?
Transferring miles with the Capital One Enterprise Rewards vs. Capital One Enterprise X
Probably the greatest issues about each the Enterprise Rewards and the Enterprise X is that they mean you can switch your miles to one in every of Capital One’s 15-plus lodge and airline companions, together with beneficial choices like Air France-KLM Flying Blue, British Airways Membership and Turkish Airways Miles&Smiles.
And should you can reap the benefits of a welcome bonus, you may get much more worth out of your miles. For example, TPG senior factors and miles author Ben Smithson will get stable worth from his miles by transferring them to Air Canada Aeroplan and Flying Blue.
Winner: Tie. Each the Enterprise Rewards and Enterprise X switch to the identical companions on the similar charges.
Associated: Cashing in Capital One miles? Easy methods to get the utmost worth when redeeming miles
Ought to I get the Capital One Enterprise Rewards or Capital One Enterprise X?
If you happen to’re centered on retaining your annual payment prices low, go together with the Enterprise Rewards. You will get a robust incomes fee, the power to reap the benefits of Capital One’s switch companions and a few journey advantages for only a $95 annual payment. Nonetheless, in order for you airport lounge entry and may maximize its $300 annual credit score, the Enterprise X is the higher alternative.
Associated: Who ought to (and should not) get the Capital One Enterprise X card?
Easy methods to improve from the Capital One Enterprise Rewards to the Capital One Enterprise X
If you have already got Enterprise Rewards and need to improve to Enterprise X, you possibly can name the quantity on the again of your card and request a product change. You will not have the ability to reap the benefits of your new card’s welcome provide, nevertheless it’s a great way to get extra advantages with out worrying about eligibility.
You can even downgrade from the Enterprise X to the Enterprise Rewards by way of the identical methodology.
Associated: How Enterprise X saved me over $6,000 on a summer season journey to France
Backside line
The Enterprise X is a good card for many who can reap the benefits of its airport lounge entry and annual journey credit score, whereas the Enterprise Rewards is a greater match for anybody seeking to hold their annual payment prices low. No matter which card you select, you may get stable journey advantages and earn beneficial transferable rewards.
To be taught extra, learn our full opinions of the Enterprise Rewards and Enterprise X.
Study extra: Capital One Enterprise Rewards
Study extra: Capital One Enterprise X
For Capital One merchandise listed on this web page, a number of the advantages could also be offered by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
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