Capital One Enterprise Rewards vs. Enterprise X: Price further $300?

The Capital One Enterprise Rewards Credit score Card gives nice worth to occasional vacationers who need to maximize the miles they earn. This card contains a $95 annual charge and earns not less than 2 miles per greenback on all purchases.

Its flashier sibling, the $395-annual-fee Capital One Enterprise X Rewards Credit score Card, provides an enhanced journey expertise to compete with different premium merchandise like The Platinum Card® from American Categorical and the Chase Sapphire Reserve® (see charges and charges).

In case you 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 study each playing cards that can assist you resolve which Capital One card is the best choice.

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 provides are price $1,388 based mostly on TPG’s August 2025 valuations, so you will get stable worth from the bonus regardless of which card you select.

Winner: Tie. Each playing cards present the identical welcome provide.

Associated: Methods to redeem Capital One’s 75,000 bonus miles welcome provide for optimum worth

With the Enterprise Rewards, you will stand up to a $120 credit score for TSA PreCheck or World Entry, in addition to rental automobile and journey accident insurance coverage, prolonged guarantee safety and entry to Capital One’s Way of life Assortment of resorts and Capital One Leisure.

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Conversely, the Enterprise X has a stronger listing of advantages that greater than justify its greater annual charge for those who can maximize them.

As a cardholder, you will get a $300 annual credit score for bookings made by way of Capital One Journey.

At the moment, Enterprise X cardholders and their approved customers get complimentary entry to Capital One lounges and might carry two friends without cost. Beginning Feb. 1, 2026, you will have to spend $75,000 in a calendar 12 months to maintain free visitor entry; in any other case, adults will value $45 every, kids 17 and underneath $25, and kids underneath 2 stay free.

With the Enterprise X, you will additionally get a Precedence Go lounge membership to over 1,700 places worldwide. Company can once more be part of at no further value till Jan. 31, 2026, after which you will need to pay $35 per visitor.

A further advantage of Enterprise X is you could add a restricted variety of approved customers for no further charge. Nonetheless, beginning Feb. 1, 2026, if you’d like your approved consumer to have lounge entry, you will need to pay $125 for the privilege.

You will additionally obtain 10,000 bonus miles, price $185 in response to TPG’s August 2025 valuations, at every cardholder anniversary, together with entry to Capital One’s Way of life Assortment and the posh Premier Assortment of resorts, journey protections, prolonged guarantee safety and cellphone safety.

Winner: Enterprise X. Because the extra premium card providing, it has a way more sturdy listing of advantages than the Enterprise Rewards.

Associated: Is the Capital One Enterprise X definitely worth the $395 annual charge?

Each the Enterprise Rewards and the Enterprise X earn bonus miles on journey booked by way of Capital One Journey and a pair of miles per greenback spent on all different purchases. Each playing cards additionally earn 5 miles per greenback spent on Capital One Leisure purchases (by way of Dec. 31, 2025).

With the Enterprise Rewards, you will earn 5 miles per greenback spent on resorts, trip leases and rental vehicles booked by way of Capital One Journey. Nonetheless, when you’ve got the Enterprise X, you will earn 10 miles per greenback spent on resorts 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 resorts 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 sorts of purchases you need to make together with your Capital One Enterprise Rewards card

Each the Enterprise Rewards and the Enterprise X earn Capital One miles and provide the similar redemption choices.

You will get probably the most worth by transferring your miles to considered one of Capital One’s 15-plus switch companions, however you can even redeem them for a assertion credit score to cowl journey purchases or reward playing cards at a flat price of 1 cent per mile.

Each playing cards mean you can redeem your miles for money again, however you will get a a lot decrease price of 0.5 cents per mile, so we suggest avoiding this selection every time attainable.

Winner: Tie. Each playing cards provide the similar choices to redeem your miles.

Associated: Must you switch Capital One miles to companions or redeem straight for journey?

Probably the greatest issues about each the Enterprise Rewards and the Enterprise X is that they mean you can switch your miles to considered one of Capital One’s 15-plus lodge and airline companions, together with worthwhile choices like Air France-KLM Flying Blue, British Airways Membership and Turkish Airways Miles&Smiles.

And for those who can make the most of a welcome bonus, you will 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? Methods to get the utmost worth when redeeming miles

In case you’re centered on maintaining your annual charge prices low, go along with the Enterprise Rewards. You will get a powerful incomes price, the power to make the most of Capital One’s switch companions and a few journey advantages for only a $95 annual charge. Nonetheless, if you’d like airport lounge entry and might 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?

Associated: How Enterprise X saved me over $6,000 on a summer season journey to France

Each the Enterprise Rewards and the Enterprise X are glorious journey rewards playing cards that earn bonus miles on Capital One Journey purchases and not less than 2 miles per greenback on all different purchases.

The Enterprise X is a good card for individuals who can make the most of its airport lounge entry and annual journey credit score, whereas the Enterprise Rewards is a greater match for anybody trying to maintain their annual charge prices low. No matter which card you select, you will get stable journey advantages and earn worthwhile transferable rewards.

To study extra, learn our full opinions of the Enterprise Rewards and Enterprise X.

Be taught extra: Capital One Enterprise Rewards

Be taught 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.