The Capital One Enterprise X Rewards Credit score Card stands tall within the journey bank card market. That is because of its simple advantages, capability to earn helpful Capital One miles and annual price of $395, modest in comparison with its premium counterparts.
For those who’ve been eyeing this rewards card, now could be a incredible time to use. That is as a result of the cardboard is providing its highest welcome bonus since its launch in 2021. The one time this card has had a limited-time welcome bonus was through the first 4 months after it debuted.
However the supply ends on Jan. 5, 2026, so you may wish to act quickly to safe it.
Let’s dive into the Enterprise X’s bonus and advantages that can assist you determine whether or not now could be the time so as to add the cardboard to your pockets.
Present Capital One Enterprise X supply
New Enterprise X candidates can earn 100,000 miles after spending $10,000 on purchases within the first six months of account opening. That is your final probability to earn this bonus, because it ends on Jan. 5, 2026.
Based on TPG’s December 2025 valuations, this bonus is value $1,850.
Capital One miles are most useful once you leverage one of many issuer’s 15-plus switch companions. Nonetheless, cardholders even have the choice to redeem at a hard and fast price of 1 cent per level to cowl current journey purchases on the cardboard or make bookings by the Capital One Journey portal. This bonus is value a good $1,000 in the event you redeem it this manner.
How does this evaluate to previous affords?
Exterior of the Enterprise X’s November 2021 launch, that is the one elevated supply we have seen within the card’s historical past. The Enterprise X supplied the identical 100,000-mile supply from November 2021 to March 2022. In any other case, it has by no means strayed from its customary 75,000-mile supply (not at present obtainable).
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This 100,000-mile supply hasn’t been obtainable in 4 years, making now a good time to use. The supply expires quickly, so make sure to apply by Jan. 5, 2026.
Software guidelines and restrictions
Capital One has imposed a 48-month household rule throughout its lineup of Enterprise playing cards, together with the Capital One VentureOne Rewards Credit score Card and the Capital One Enterprise Rewards Credit score Card.
This new Enterprise household rule restricts you from transferring ‘down’ the Enterprise card household (when it comes to annual charges), that means if you have already got the Enterprise X and earned the bonus within the final 48 months, you will not be authorised for the VentureOne ($0 annual price) or Enterprise ($95 annual price). So, that is one thing to remember if you wish to decide up one in every of these two lower-tier playing cards sooner or later.
Moreover, in the event you’ve opened the Enterprise X and obtained its bonus within the final 48 months, you will not be eligible for this present bonus.
Capital One’s different utility restrictions require you to attend six months between approvals for brand spanking new Capital One playing cards, together with each private and enterprise playing cards.
Associated: 6 issues to do once you get the Capital One Enterprise X
Why you must apply for the Enterprise X
The Enterprise X supplies a number of advantages for frequent vacationers to take pleasure in. Key perks embrace:
- Anniversary bonus: The cardboard pays 10,000 bonus miles in your account anniversary, beginning in your first anniversary. As of December 2025, TPG values these 10,000 miles at as much as $185 when utilized with Capital One’s switch companions.
- Annual journey credit score: Cardholders will obtain a $300 annual credit score for bookings made by Capital One Journey.
- Approved customers: Extra licensed customers will be added at no cost. Nonetheless, starting Feb. 1, 2026, every licensed person will value $125 yearly to retain Capital One and Precedence Go lounge entry.
- International Entry or TSA PreCheck: Cardholders obtain as much as $120 in assertion credit for both TSA PreCheck or International Entry.
- Lounge entry: Cardholders, licensed customers and as much as two company per go to get complimentary entry to Capital One lounges and greater than 1,300 Precedence Go lounges till Feb. 1, 2026. After this date, you may be required to pay for visitor entry to each kinds of lounges.
- Luxurious resort perks: The Capital One Premier Assortment affords free breakfast, room upgrades and different perks at taking part inns and resorts. Cardholders also can entry Capital One’s lower-tier Way of life Assortment.
- Stacking automobile rental perks: Cardholders can stack automobile rental perks with Hertz.*
*Upon enrollment, accessible by the Capital One web site or cell app, eligible cardholders will stay at that standing stage by the period of the supply. Please word, enrolling by the traditional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) is not going to mechanically detect a cardholder as being eligible for this system and cardholders is not going to be mechanically upgraded to the relevant standing tier. Extra phrases apply.
On prime of those advantages, the Enterprise X makes it simple to earn Capital One miles at aggressive charges:
- 10 miles per greenback spent on inns and rental automobiles booked by Capital One Journey
- 5 miles per greenback spent on flights and trip leases booked by Capital One Journey
- 2 miles per greenback spent on all different purchases
For those who maximize the complete worth of simply two of the Enterprise X’s annual perks — the $300 journey credit score and 10,000 bonus factors — you’ll successfully recoup your $395 annual price. That is as a result of TPG’s December 2025 valuations place the bonus factors at $185. Once you add the worth of the $300 credit score to this, you attain a complete annual worth of $485.
Associated: Cashing in Capital One miles? Easy methods to get the utmost worth when redeeming miles
Backside line
The Enterprise X is offering 100,000 miles in its first elevated supply since launch, which makes now a good time to use in the event you’re eligible for the bonus.
With the supply expiring quickly, you may wish to apply now so you do not miss out. The bonus ends on Jan. 5, 2026.
This card could be a nice choice for a lot of vacationers, and the cardboard will probably change into extra compelling over time as Capital One continues to put money into its rewards program and develop its lounge community.
To be taught extra, learn our full evaluation of the Enterprise X.
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 should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
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