The Capital One Enterprise X Rewards Credit score Card has earned its popularity as one of many prime premium journey playing cards in the marketplace, and it is easy to see why. The cardboard combines simplicity, worth and genuinely helpful perks in a approach few rivals do. With its strongest welcome supply since 2021 now on the desk, I’ve lastly determined it is time to add a premium card to my pockets.
Here is why the Enterprise X is the subsequent card I am selecting.
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Big welcome bonus
I’ve had my eye on the Enterprise X for some time, however the present welcome bonus sealed the deal. Proper now, the cardboard provides 100,000 miles after spending $10,000 within the first six months — the strongest bonus we have seen since its 2021 debut. The six-month spend window makes this way more attainable than most premium playing cards, breaking down to simply below $1,700 per thirty days.
Many high-end playing cards offer you solely three months to hit an enormous spending requirement, which might really feel like a dash. However with the Enterprise X, you’ve got respiratory room to earn the bonus at a sensible tempo. Usually, you possibly can meet the Enterprise X’s welcome supply together with your on a regular basis spending (assume: eating out, paying utility payments and buying vacation items, amongst different examples).
As for the worth of these miles, 100,000 miles is value $1,000 towards journey at a hard and fast fee of 1 cent per mile, however you possibly can typically rise up to $1,850 in worth by transferring to Capital One’s airline and lodge companions, in keeping with TPG’s November 2025 valuations.
$300 annual journey credit score
The Enterprise X‘s $395 annual payment turns into far much less intimidating when you issue within the automated $300 annual Capital One Journey credit score. It is easy to make use of and applies to flights, motels and rental automobiles booked by way of the Capital One Journey portal.
Whilst you have a full 12 months to make use of the credit score, I plan to make use of mine immediately towards a last-minute vacation journey to New York Metropolis with my sister. Whereas lodge costs could be outrageous this time of 12 months, the $300 credit score will assist scale back the price of the journey, leaving room within the finances for shopping for vacation items, eating out and having fun with a Broadway present. Reserving a lodge by way of the portal additionally earns 10 miles per greenback spent, serving to me develop my factors steadiness whereas paying for the journey.
That $300 profit alone offsets the majority of the $395 annual payment, bringing the efficient value all the way down to about $95. At that value, lounge entry and different ongoing perks simply justify retaining the cardboard in the long run.
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That is in the end why the Enterprise X is so compelling: it delivers a premium expertise with out the premium card price ticket.
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Premium journey perks
This will probably be my first card with built-in lounge entry, and it is one of many greatest the reason why I am making use of for the cardboard. I’ve at all times been the “wander the terminal and purchase a granola bar I do not need” sort of traveler, however that period is formally over.
Enterprise X cardholders get entry to Capital One Lounges and Precedence Move lounges, which is a significant improve for those who journey even a couple of occasions a 12 months. My first cease would be the Capital One Lounge at Dulles Worldwide Airport (IAD) close to Washington, D.C., on an upcoming vacation journey again to the East Coast, and I am already counting down.
Whereas my new residence airport, San Francisco Worldwide Airport (SFO), does not have a Capital One Lounge, I really like that the Enterprise X nonetheless offers me loads of choices by way of Precedence Move. No extra overpriced granola bars or combating for an outlet within the terminal for me.
Past lounge entry, the cardboard’s perks are genuinely invaluable: Cardholders get 10,000 bonus miles beginning on their first anniversary, a TSA PreCheck/International Entry credit score (as much as $120 each 4 years), sturdy journey protections, main rental automobile protection and journey delay insurance coverage that may simply save them tons of when issues do not go as deliberate.
It is the primary time I’ve checked out a premium perks listing and thought, “I am going to truly use virtually all of this” — and that is precisely what makes the Enterprise X really feel like such a wise long-term card.
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Versatile, invaluable miles
One other key purpose why I made a decision to use for the Enterprise X is the worth and flexibility of Capital One miles.
Up till now, I have been virtually monogamous with Chase Final Rewards, and I’ve waxed poetic about my Chase Sapphire Most well-liked® Card (see charges and costs) since I received the cardboard final 12 months. However now that I’ve moved past the newbie stage of factors and miles, I would like entry to several types of reward currencies. Diversifying your factors and miles is lots like diversifying your funds: The extra choices you’ve got, the higher your probabilities of discovering availability, candy spots and actual worth.
That is the place Enterprise miles are available. Capital One companions with a number of applications that Chase does not, together with Avianca LifeMiles and Qantas Frequent Flyer, opening up redemptions I have not had entry to earlier than.
I plan to faucet into these switch companions as quickly as I earn my welcome bonus. My mother and I’ve been eyeing a mother-daughter journey to England this spring, and the Enterprise X bonus may assist make it occur.
Listed here are a couple of practical methods I may use 100,000 Capital One miles for that journey:
The large enchantment right here is optionality. The extra choices you’ve got when award area pops up (whether or not it is enterprise class to Europe or a boutique lodge with money charges you’d by no means pay), the extra probably you will e-book the journeys you truly need, not simply those that your current factors and miles enable.
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Robust incomes on on a regular basis purchases
Like many others, my spending does not at all times fall neatly into bonus classes, and that is the place the Enterprise X matches in. Incomes 2 miles per greenback spent on each buy means I can use it as a catchall card with out worrying I am lacking out on rewards.
And for journey bookings, the cardboard turns into much more highly effective, incomes:
- 10 miles per greenback spent on motels and rental automobiles booked by way of Capital One Journey
- 5 miles per greenback spent on flights and trip leases booked by way of Capital One Journey
For anybody who needs easy but sturdy incomes charges while not having to memorize classes, this setup is without doubt one of the most simple amongst premium playing cards. That is a facet of the Enterprise X that does not get sufficient credit score. Sure, the cardboard shines with premium perks, however the on a regular basis incomes construction is inherently invaluable.
In order for you a easy technique to earn strong rewards on each buy and your spending fluctuates like mine, the Enterprise X makes it remarkably straightforward.
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Backside line
The Enterprise X strikes a uncommon steadiness of providing a beneficiant welcome bonus, versatile miles that open up new redemption choices, a easy on a regular basis incomes construction and premium perks, all for an annual payment that turns into surprisingly cheap when you issue within the journey credit score. For my upcoming travels — particularly with an eye fixed on a visit to Europe this spring — the timing could not be higher.
If you happen to’re additionally searching for a premium card that delivers substantial worth with no sky-high annual payment, the Enterprise X is without doubt one of the most compelling choices on the market.
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