Is the Enterprise X Enterprise well worth the annual price?

The Capital One Enterprise X Enterprise made a splash with its 2023 launch, sporting a jaw-dropping welcome supply in addition to most of the issues we love about its private counterpart, the Capital One Enterprise X Rewards Credit score Card.

One such similarity is the $395 annual price (see charges and costs for the Enterprise X Enterprise; see charges and costs for the Enterprise X). This can be a cut price in comparison with another premium enterprise bank cards, equivalent to The Enterprise Platinum Card® from American Specific with its $695 price (see charges and costs). Nonetheless, it is significantly increased than the American Specific® Enterprise Gold Card‘s $295 annual price (see charges and costs; will increase to $375 on Feb. 1, 2024) and the $95 annual price on Chase’s Ink Enterprise Most well-liked Credit score Card.

So, does the Enterprise X Enterprise supply sufficient advantages and incomes potential to justify its premium price? Here is what you should know in the event you’re on the fence.

Welcome supply

At the moment, new candidates can earn 150,000 Capital One miles after spending $30,000 within the first three months from account opening.


TPG values Capital One miles at 1.85 cents every, making this bonus price a formidable $2,775. In case you can meet the steep minimal spending requirement, the bonus alone is efficacious sufficient to justify paying the cardboard’s $395 annual price for seven years (see charges and costs).

Associated: The right way to maximize your Capital One miles

Incomes potential

Past the Enterprise X Enterprise welcome bonus, you will earn 10 miles per greenback on lodges and rental automobiles bought by Capital One Journey, 5 miles per greenback on flights bought by Capital One Journey and a couple of miles per greenback on all different purchases.

You may redeem your miles most just by redeeming them for a press release credit score to cowl journey bills. In case you go this route, you will get a price of 1 cent per mile.


However you can too switch your miles to any of Capital One’s 15-plus resort and airline companions, together with helpful choices like Air Canada Aeroplan, Singapore Airways KrisFlyer and Wyndham Rewards. By profiting from these switch choices, you will often get a price of at the least 1.85 cents per mile, in line with our valuations.

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The power to earn at the least 2 miles per greenback, an efficient 3.7% return, on all of your purchases makes the Enterprise X Enterprise an particularly engaging choice for big-spending enterprise house owners who do not need to fear about bonus classes. With this card, you possibly can really feel assured understanding you are incomes helpful rewards it doesn’t matter what you are shopping for.

Associated: Do you have to switch Capital One miles to companions or redeem them straight?

$300 annual credit score

Every year, Enterprise X Enterprise cardholders obtain $300 in credit for journey booked by Capital One Journey. This credit score is automated, which makes it comparatively simple to make use of.


Nonetheless, it’s price noting that for the reason that credit score is proscribed to journey booked by the Capital One portal, you will probably quit any resort or rental automobile elite standing perks. The drawbacks of reserving by a portal can put a damper on the worth of this annual credit score.

Nonetheless, totally profiting from this perk will convey your efficient annual price down to only $95.

Associated: The right way to determine whether or not to e book journey straight or by a portal

Anniversary bonus miles

The journey credit score is not the one annual perk you will get as a Enterprise X Enterprise cardholder. Yearly, in your account anniversary, you will additionally obtain 10,000 bonus miles, price $185, in line with TPG valuations.


Even in the event you redeem these anniversary miles straight for journey at a charge of 1 cent per mile, this annual bonus is price $100. This perk and the journey credit score mixed greater than justify the cardboard’s $395 annual price every year.

Lounge entry

As a Enterprise X Enterprise cardholder, you get limitless entry to Capital One Lounges — at present open at Dallas Fort Value Worldwide Airport (DFW), Dulles Worldwide Airport (IAD) and Denver Worldwide Airport (DEN) — in addition to Precedence Cross and Plaza Premium lounges.


Notice that, not like the private Enterprise X, lounge entry doesn’t prolong to licensed customers.

With out bank card entry, you would need to pay $65 for a Capital One Lounge daypass, which means only one go to with two friends would value $195. Six visits alone, or two visits with two friends every time, would value $390 out of pocket, so you will make up the annual price’s worth shortly in the event you can reap the benefits of your Capital One Lounge entry.

Associated: Capital One Enterprise X vs. Enterprise X Enterprise

Different perks

On prime of those super-valuable perks, the Enterprise X Enterprise contains extra journey advantages and protections:

These advantages are harder to quantify, however they’re going to present added consolation and peace of thoughts throughout your travels.

Associated: 7 steps to take when an airline loses your baggage

Backside line

In case you can reap the benefits of all of the Enterprise X Enterprise advantages, you will greater than justify the annual price yr after yr. The advantages are so helpful that you simply solely should make the most of a number of to make up for the cardboard’s price every year. Nonetheless, if you cannot maximize the annual journey credit score or airport lounge entry, you could need to go together with one other of our favourite enterprise bank cards.

To study extra, learn our full evaluation of the Enterprise X Enterprise.

For Capital One merchandise listed on this web page, among the above advantages are supplied by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

Apply right here: Capital One Enterprise X Enterprise

For charges and costs of the Amex Enterprise Platinum, click on right here.
For charges and costs of the Amex Enterprise Gold, click on right here.

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