Capital One Enterprise X Enterprise Card Evaluate: Is It Value It?

I’m a sucker for a great journey rewards card. Through the years, I’ve collected a small handful of them — not as a result of I really like juggling annual charges, however as a result of the suitable playing cards can prevent a lot of cash on flights, accommodations, and journey perks you’d in any other case pay out of pocket for.

Not solely do I’ve a bunch for my private bills however I’ve a pair for this enterprise too. One among my favourite enterprise bank cards is the Capital One Enterprise X Enterprise Credit score Card. It’s Capital One’s top-tier enterprise product. I adore it as a result of there’s an enormous welcome supply, lounge entry to over 1,300 airport lounges, annual journey credit, and a easy 2x reward on all spending (which ensures you’re all the time incomes multiples miles per greenback spent).

That can assist you determine if this card is for you, right here’s my full overview of the cardboard and why I adore it a lot:

What’s the Capital One Enterprise X Enterprise Card?

The Capital One Enterprise X Enterprise Credit score Card is a journey rewards card issued by Capital One. It comes with a $395 annual charge that’s means decrease than the opposite premium enterprise playing cards on the market. And I believe you’ll be able to simply get far more worth than the annual charge prices. Right here’s a fast take a look at the primary perks:

• 150,000 miles after spending $30,000 within the first 3 months
• 2 miles per $1 on all purchases, no class restrictions
• 5× miles on flights booked by Capital One Journey
• 10× miles on accommodations and rental automobiles booked by Capital One Journey
• $300 annual journey credit score (by Capital One Enterprise Journey)
• Yearly, you’ll get 10,000 bonus miles after your account anniversary date.
• Take pleasure in entry to 1,300+ airport lounges worldwide, together with Capital One Lounge areas and Precedence Move™ lounges, after enrollment
• As much as $120 assertion credit score for TSA Precheck or World Entry
• No overseas transaction charges

Utilizing Your Capital One Miles

Capital One miles could be redeemed in a couple of methods. One is by reserving journey instantly by Capital One’s portal. Whereas I often don’t advocate reserving by bank card portals, to totally profit from the Enterprise X’s journey credit score (and to get the 5x and 10x miles affords) you’ll want to make use of their portal.

Another choice is to make use of your miles to get reimbursed for any journey buy. For 90 days after making such a purchase order, you’ll be able to reimburse your self at a redemption fee of 1 cent per mile. After 90 days, and for all different purchases, you should use miles as money again, at a redemption fee of 0.5 cents per mile (however keep away from doing this, because it’s not a great worth).

You may as well use your Capital One miles within the Capital One Leisure portal to ebook tickets for live shows, sports activities occasions, and extra. Sometimes, Capital One affords cardholder-only occasions and presale alternatives too. When you’ll get simply 0.8 cents per mile for tickets (not the most effective worth), it’s nonetheless a enjoyable and distinctive strategy to redeem miles.

Nonetheless, you’ll get probably the most out of your miles by transferring them to Capital One’s 15+ airline and lodge companions. Whereas the precise worth varies based mostly on what you ebook, you’ll be able to often discover airline and lodge redemptions price far more than the aforementioned one cent per mile. (The method is fairly simple and could be accomplished by your Capital One account.)

Listed below are Capital One’s present journey companions:

• Accor Reside Limitless
• Aeromexico Membership Premier
• Air Canada Aeroplan
• Air France/KLM Flying Blue
• Avianca LifeMiles
• British Airways Government Membership
• Cathay Pacific Asia Miles
• Selection Privileges
• Emirates Skywards
• Etihad Airways Visitor
• EVA Air Infinity MileageLands
• Finnair Plus
• I Choose Resort Rewards
• Japan Airways Mileage Financial institution
• Qantas Frequent Flyer
• Qatar Airways Privilege Membership
• Singapore Airways KrisFlyer
• TAP Portugal Miles&Go
• Turkish Airways Miles&Smiles
• Virgin Purple
• Wyndham Rewards

Professionals of the Enterprise X Enterprise Card

As somebody who travels continuously for work, I’m all the time searching for methods to earn miles sooner and make airport life rather less painful. I like this card for the straightforward 2x miles on all the things. I exploit plenty of different playing cards that may get you 3 or 4x on sure classes like promoting or non-portal journey spend like flights and accommodations. However relating to eating, museums, transportation, and so forth, there’s not plenty of methods to get greater than 2x per greenback spent on a enterprise card. So, I exploit this Enterprise X for something I can’t get greater than 2x per greenback.

Right here’s a deep dive into a few of the important perks:

$300 Journey Credit score
Every year, you get a $300 credit score towards bookings made by Capital One Enterprise Journey (flights, accommodations, or automotive leases). For those who’re already reserving journey usually, this credit score is mainly free cash — and it instantly drops your efficient annual charge from $395 to $95.

The catch? You do should ebook by Capital One’s journey portal. It’s powered by Hopper, so the interface is clear and costs are often aggressive. I’ve discovered some good offers there.

Lounge Entry
You get entry to Capital One Lounges and Precedence Move lounges. Capital One’s personal lounges are literally nice — spacious, trendy, good meals — although they’re nonetheless restricted location. However they’re increasing what number of they’ve and I personally suppose they’re means higher than the opposite lounges competitor banks have. You additionally get Precedence Move entry t o over 1,300 lounges globally, which is a typical however very nice perk.

Anniversary Bonus
Yearly in your account anniversary, you’ll get 10,000 bonus miles (price about $100 towards journey). It’s a pleasant “thanks” that helps offset the annual charge even additional.
 

Ought to You Get This Card?

The Capital One Enterprise X Enterprise Credit score Card is finest for small- to medium-sized enterprise house owners who journey usually and may put at the least $30,000 to make sure they meet the welcome supply necessities.

General, I believe the Capital One Enterprise X Enterprise is without doubt one of the best-value premium enterprise playing cards on the market proper now. It’s not as benefit-packed or as flashy because the Amex Enterprise Platinum or the Chase Sapphire Reserve, nevertheless it’s simpler to make use of, has a cheaper annual charge, will get you lounge entry, and a simple to know incomes construction.

It’s one of many playing cards I exploit probably the most usually for my enterprise. I extremely advocate getting it.

Cease paying full worth for journey!

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• The best way to Decide a Credit score Card
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• And a Ton of Different Cash Saving Ideas!