The Capital One Enterprise Rewards Credit score Card is a stable possibility for journey fanatics to earn Capital One miles for a modest $95 annual charge.
Nonetheless, if you wish to be permitted for this card, you may wish to make sure you are eligible first. That is very true if you have already got different Capital One playing cards in your pockets.
Capital One just lately tightened restrictions for approval throughout its Enterprise household of playing cards, making it much more necessary to assessment your standing earlier than you apply. This is every little thing it’s worthwhile to know.
Are you eligible to use for the Capital One Enterprise?
There are a number of elements to contemplate for those who’re hoping to be permitted for the Enterprise and obtain its bonus, together with the brand new modifications to eligibility throughout the Enterprise lineup.
Capital One software guidelines
It’s important to wait six months between your Capital One card purposes. So, for those who’ve been permitted for any Capital One card throughout the final six months, you may want to attend if you wish to be permitted for the Enterprise.
What if I obtained a Enterprise card welcome bonus previously?
In case you’ve beforehand obtained the Enterprise’s welcome bonus, you must wait 48 months to be permitted for the cardboard and obtain the bonus once more.
What if I have already got the Enterprise X or VentureOne playing cards?
That is the place the newest change kicks in. Capital One’s latest Enterprise lineup household rule applies the 48-month rule whenever you transfer “down” throughout the Enterprise suite, by way of annual charges.
So, for those who’ve earned the bonus on the Capital One Enterprise X Rewards Credit score Card ($395 annual charge) within the final 48 months, you are not eligible for the Enterprise card or its bonus. Nonetheless, for those who’ve earned the bonus on the no-annual-fee Capital One VentureOne Rewards Credit score Card, you might be nonetheless eligible to be permitted for the Enterprise and its bonus — since you are going “up the ladder” close to annual charges.
This is what the cardboard’s phrases must say about this:
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“You aren’t eligible for this product you probably have obtained a brand new cardmember bonus for the Capital One Enterprise card or the Capital One Enterprise X card previously 48 months.”
What credit score rating do I must qualify for the Enterprise?
TPG recommends a minimal rating of 670 for approval for the Enterprise Rewards, though people with decrease scores have additionally been permitted.
Capital One particularly mentions that you must have wonderful credit score to qualify. Nonetheless, we have seen a number of experiences of individuals getting permitted regardless of having a credit score rating under 670. So, it could be price making use of even for those who’re under that mark.
When you have exceptionally low credit score or no credit score, it is best to attend and apply for a credit-building card as a substitute.
Associated: Bank card showdown: Capital One Enterprise vs. Capital One Enterprise X
Capital One Enterprise Rewards particulars
In case you’re desirous about making use of for the Enterprise, listed below are the fundamentals to know concerning the card.
Present welcome bonus
New candidates can earn 75,000 bonus miles after spending $4,000 on purchases throughout the first three months from account opening.
TPG’s November 2025 valuations deem the whole worth of this bonus at $1,388. That is the normal welcome supply we sometimes see on this card.
There are two main methods to redeem these miles. One possibility is to redeem them at a flat price towards any travel-related bills in your assertion. This consists of future bookings via the Capital One Journey portal, parking charges, rental vehicles and ride-hailing providers, amongst a number of different forms of journey. This redemption methodology gives a flat price of 1 cent per mile.
A extra advantageous various might contain transferring your miles to Capital One’s 15-plus switch companions. Most companions supply an easy switch ratio of 1:1. By transferring your miles to a extremely profitable companion, equivalent to Air Canada Aeroplan or Air France-KLM Flying Blue, you possibly can simply get vital worth out of your miles.
Annual charge
The Enterprise has an annual charge of $95, which feels affordable given this card’s perks.
Incomes
The Enterprise Rewards presents an incomes price that is easy but rewarding. You may earn:
This card is a good possibility for individuals who do not wish to monitor a number of bonus classes and as a substitute favor incomes a flat reward price on most purchases.
Different advantages
Past the welcome bonus, listed below are the continuing advantages of the Enterprise Rewards:
Associated: 7 forms of purchases you must make along with your Capital One Enterprise Rewards card
Backside line
The Enterprise is a improbable card for frequent vacationers at a modest annual charge. Sadly, Capital One has rolled out extra software restrictions concerning those that have already got Enterprise playing cards and wish to apply for the Enterprise and obtain the bonus.
Nonetheless, if you have not obtained a bonus on the Enterprise or Enterprise X in 48 months, wait six months between Capital One card purposes and have a TPG-recommended credit score rating of no less than 670, this stable rewards card will doubtless be yours.
To study extra, learn our full assessment of the Enterprise.
Be taught extra: Capital One Enterprise Rewards Credit score Card
For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and will range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
