Hyperlink: Apply now for the Capital One Enterprise X Rewards Credit score Card (Charges & Charges)
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 nearly too good to be true, due to all of the superb advantages it provides for an inexpensive price. The Enterprise X has a giant welcome bonus, an excellent return on on a regular basis spending, lounge entry, plenty of priceless journey perks, and unmatched licensed person advantages.
Let’s check out all facets 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 one of the best bank card bonuses on the market.
Notice that you simply’re eligible for this card (together with the bonus) even if in case you have the usual Enterprise product, so you possibly can apply outright. Whereas there could also be alternatives to product change, you gained’t obtain the brand new card member bonus if you happen to go that route.
Capital One Enterprise X approval suggestions & methods
Capital One is usually a quirky card issuer relating to getting accredited for playing cards. Anecdotal studies counsel that lots of people are having luck with approvals for the Capital One Enterprise X, which is nice. A couple of issues to notice:
- Sure, you’re eligible for the Capital One Enterprise X (together with the bonus) even if in case you have the Capital One Enterprise, however that you must apply outright; product altering doesn’t qualify for the bonus
- When you’re added as a certified 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 relating to getting accredited, not less than not like Amex and Chase; folks with all types of credit score profiles are reporting approvals
- Capital One pulls your credit score from all three bureaus once you apply, although personally I don’t contemplate that to be a giant deal
Be taught extra about getting accredited for the Capital One Enterprise X.
Capital One Enterprise X $395 annual price
The Capital One Enterprise X has a $395 annual price (Charges & Charges). Notice that this annual price is for the first card member, after which you possibly can add as much as 4 licensed person playing cards at no further value (Charges & Charges). Not solely are you able to rack up rewards for his or her spending, however you may also get them some superior perks.
Whereas that annual price would possibly sound vital, everybody ought to be capable of 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 under, however the card provides 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 provides 2-10x Capital One miles per greenback spent, all with no international transaction charges (Charges & Charges). Let’s go over the small print of every of those factors.
Enterprise X 5-10x miles with Capital One Journey
The Capital One Enterprise X provides bonus rewards for journey booked by way of the Capital One Journey portal. Particularly, you possibly can earn 10x miles on accommodations and rental automobiles booked through Capital One Journey, and 5x miles on flights booked through Capital One Journey.
Based mostly 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 folks would possibly discover it to be worthwhile to e book by way of Capital One Journey to earn these rewards, however there’s typically a chance value 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 provides 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 suggest 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 might have profitable bonus classes, you possibly can’t beat the convenience and basic worth of incomes 2x miles on all purchases.
Enterprise X no international transaction charges
The Capital One Enterprise X has no international transaction charges (Charges & Charges), making it an excellent card for purchases overseas. Not solely are you able to keep away from international transaction charges (which might be round 3% on another playing cards), however you possibly can earn rewards overseas as effectively.
Capital One Enterprise X perks & rewards
The Capital One Enterprise X actually stands out relating to the perks supplied by the cardboard. This contains all the pieces 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 small print of every of those factors.
Enterprise X $300 annual Capital One Journey credit score
The Capital One Enterprise X provides a $300 annual credit score that can be utilized by way of Capital One Journey, beginning your first yr. You may apply this to a $300 buy by way of Capital One Journey, and might use it towards a flight, lodge, or rental automobile. 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 kind of be price face worth, so to me that’s the equal of a roughly 75% rebate on the cardboard’s $395 annual price (Charges & Charges).
Enterprise X 10,000 miles anniversary bonus
The Capital One Enterprise X provides 10,000 Capital One miles in your account anniversary yearly, beginning in your first anniversary. At a minimal, you possibly can redeem these 10,000 miles for one cent every towards a journey buy, in order that’s price a minimal of $100. Nevertheless, if you happen to’re a savvy factors redeemer, you will get much more worth out of that perk.
Enterprise X Precedence Cross membership
The Capital One Enterprise X provides each the first card member and as much as 4 licensed customers a Precedence Cross membership. A Precedence Cross membership supplies entry to 1,300+ lounges all over the world. With the Precedence Cross membership issued by way of the cardboard, you possibly can convey two friends into lounges with you at no further value.
Enterprise X Capital One Lounge entry
The Capital One Enterprise X provides each the first card member and as much as 4 licensed customers entry to Capital One Lounges. To date, Capital One has lounges in Dallas (DFW), Washington (IAD), and Denver (DEN), and these are glorious, a lot better than your typical Precedence Cross lounge. They characteristic seize & go meals, chilly brew on faucet, and scrumptious meals and drinks to take pleasure in within the lounge.
Capital One Enterprise X card members obtain limitless visits to Capital One Lounges, and might convey two friends with them. When you fly out of DFW, IAD, or DEN with any frequency, there’s massive worth to getting access to a Capital One Lounge, for my part.
Enterprise X Plaza Premium Lounge entry
The Capital One Enterprise X provides entry to Plaza Premium Lounges for each the first card member and as much as 4 licensed customers. You may convey up two friends into these lounges.
These days many Plaza Premium Lounges additionally take part in Precedence Cross, so you possibly can entry many of those lounges in two methods. Nevertheless, there are some lounges that take part completely in Precedence Cross, 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 provides Hertz President’s Circle standing for the first card member and licensed customers. This standing with Hertz provides perks like having the ability to skip the counter, assured upgrades, free further drivers, and extra. When you hire from Hertz with any frequency, this ought to be price fairly a bit.
Enterprise X World Entry or TSA PreCheck credit score
The Capital One Enterprise X provides a TSA PreCheck or World Entry price credit score as soon as each 4 years. You simply must cost the applying price to your card, and it’ll mechanically be reimbursed. Each of those applications provide a number of worth if you happen to’re a frequent flyer. I like to recommend signing up for World Entry, since that comes with TSA PreCheck, whereas the inverse isn’t true.
Capital One Enterprise X licensed person perks
One thing that basically 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 finest card for households. You may add as much as 4 licensed customers on the non-public model of the Enterprise X, and so they obtain many of the similar perks, together with:
- A Precedence Cross 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 World Entry or TSA PreCheck credit score. That is fairly actually probably the most profitable card for licensed customers, and you’ll’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 consequently, it provides some priceless peace of thoughts:
- For rental automobiles, the Enterprise X provides main rental automobile protection; simply decline the collision harm waiver supplied by the automobile rental firm, and pay for the total worth of the rental together with your card
- For cell telephones, the Enterprise X provides cellular phone 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 provides journey delay reimbursement; pay in your airline ticket with the cardboard, and if you happen to’re delayed by greater than six hours or have an in a single day keep, you might be reimbursed as much as $500 for cheap bills incurred due to the delay
- For baggage, the Enterprise X provides misplaced baggage reimbursement; pay in your airline ticket with the cardboard, and in case your bag is misplaced, you might be reimbursed
In fact, you’ll need 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 possibly can 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 are you going to really redeem these miles, although? There are a few methods to most effectively redeem Capital One miles:
- Miles might be redeemed for one cent every towards the price of a journey buy
- Miles might be transferred to Capital One’s airline and lodge 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 strategy to redeem Capital One miles is on the fee of 1 cent per mile towards the price of a journey buy. This implies you’re incomes two cents per greenback spent towards journey, because the card provides 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 overlaying journey purchases. With this, you may make an eligible journey buy utilizing your card, after which you possibly can go surfing after the very 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 embody purchases constructed from airways, accommodations, rail traces, automobile rental companies, limousine companies, 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 very fact. Alternatively, you possibly can e book by way of the Capital One Journey Portal, and pay in your buy instantly with miles.
I can’t emphasize sufficient how profitable it’s to not less than get a return of two cents on the greenback on all what you are promoting 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 lodge factors
Personally my most popular strategy to redeem Capital One miles is to switch them to Capital One’s airline and lodge companions. Capital One has almost 20 journey companions, starting from Air Canada Aeroplan, to Air France-KLM Flying Blue, to British Airways Government Membership, to Emirates Skywards, to Turkish Airways Miles&Smiles.
When you put some effort into studying how you can redeem miles & factors, you will get manner outsized worth this manner. Let me give one instance. Turkish Airways Miles&Smiles is a Capital One Enterprise switch companion, and I just lately redeemed 45,000 miles for a one-way enterprise class ticket on Turkish Airways from Chicago to Istanbul to Frankfurt.
If paying money, that ticket would value have 1000’s of {dollars}. In the meantime I booked it for simply 45,000 miles, the equal of $450 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 (Charges & Charges), which is decrease than the charges of different premium bank cards. However the card shouldn’t be costing anybody almost 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 consider that the cardboard has large worth past that — the Capital One Enterprise X provides an industry-leading 2x miles per greenback spent, and most importantly, provides entry to Capital One Lounges plus a Precedence Cross 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 (evaluation) (Charges & Charges) is the enterprise model of the Capital One Enterprise X. Whereas I believe there’s one thing to be stated for having each playing cards, how do the 2 playing cards examine?
- What the playing cards have in widespread is that they’ve the identical annual charges, similar rewards construction, and so they each provide a $300 annual journey credit score, 10,000 anniversary bonus miles, a Precedence Cross 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 cellular phone 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 maybe extra of a slam dunk when it comes to worth, and virtually falls into the “too good to be true” class. Like I stated, provided that there’s virtually no value to holding onto these playing cards (as a result of perks), I believe there’s advantage to having each playing cards.
Capital One Enterprise X FAQs
There are some questions I’ve obtained time and again concerning the Capital One Enterprise X, so I figured I’d reply these in a consolidated manner within the type of some ceaselessly requested questions. If there are any questions I haven’t answered on this publish, please let me know within the feedback, and I’ll remember to incorporate that as effectively. In no explicit order…
Are you eligible for the Enterprise X if in case you have the Enterprise?
Yep, you positive are. You may simply apply outright, and also you’re eligible for the cardboard, together with the bonus. Whereas there may 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?
In case you have one other private Capital One journey rewards card, just like the Enterprise, you might be able to product change to the Enterprise X. You’ll must cellphone up Capital One to see what choices can be found to you. Nevertheless, word that you simply aren’t eligible for the welcome bonus if you happen to product change.
What number of licensed customers are you able to add to the Enterprise X?
You may add as much as 4 licensed customers to the Enterprise X at no further value, and so they all obtain Capital One Lounge entry, a Precedence Cross membership, and extra (Charges & Charges).
What lounge entry does the Enterprise X provide?
The Enterprise X provides a Precedence Cross membership, getting you entry to 1,300+ lounges all over the world, with the flexibility to take as much as two friends. Moreover, it provides entry to Plaza Premium Lounges, with the flexibility to take as much as two friends. Lastly, you possibly can 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 that you must be accredited for the Enterprise X?
There’s not a particular credit score rating that you must be accredited for the Enterprise X, although the cardboard is usually supposed for these with good to glorious credit score. Capital One has pretty few constant guidelines about approvals in any other case, and studies counsel that lots of people are efficiently being accredited 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 metallic?
Yep, the Capital One Enterprise X is certainly fabricated from metallic.
How are you going to redeem the Enterprise X $300 journey credit score?
The Enterprise X $300 journey credit score is issued every anniversary yr (together with the primary yr), and can be utilized towards any buy within the Capital One Journey portal. This contains buying flights, accommodations, rental automobiles, and many others. For most individuals this ought to be kind of good as money towards journey.
How does the Enterprise X 10K anniversary bonus miles work?
The Enterprise X provides an computerized 10,000 bonus miles on the account anniversary yearly. This couldn’t be extra easy, because the miles will mechanically publish to your account. You may 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 kind 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 in the marketplace.
Whereas the cardboard has a $395 annual price (Charges & Charges), that’s simple to justify due to the $300 annual Capital One Journey credit score and 10,000 anniversary bonus miles. On high of that, the cardboard provides a Precedence Cross membership, Capital One Lounge entry, an excellent return on spending, all types of different perks, and even one of the best licensed person perks within the {industry}, all with no preset spending restrict.
When you don’t but have this card, you’re actually lacking out.
If you wish to study extra concerning the Enterprise X or need to apply, comply with this hyperlink.
Upon enrollment, accessible by way of the Capital One web site or cell app, eligible cardholders will stay at upgraded standing stage by way of December 31, 2024. Please word, enrolling by way of the traditional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) won’t mechanically detect a cardholder as being eligible for this system and cardholders won’t be mechanically upgraded to the relevant standing tier. Further phrases apply.
For Capital One merchandise listed on this web page, among the above advantages are offered by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
