The Capital One Enterprise X Rewards Credit score Card is among the hottest premium journey playing cards available on the market.
Whereas its $395 annual price is important, the cardboard presents a number of journey perks — from a $300 annual credit score for purchases made by means of Capital One’s journey reserving website to lounge entry to as much as 4 complimentary approved customers — that may simply offset its full annual value.
The cardboard is a step up from the Capital One Enterprise Rewards Credit score Card, the tried-and-true Capital One product that expenses an annual price of $95 however nonetheless presents a style of what its dearer sibling gives.
In fact, the Enterprise X is not for everybody. Let’s dig deeper to see who ought to — and should not — apply for this card.
Key Capital One Enterprise X advantages
The Capital One Enterprise X is at the moment sporting a welcome supply of 75,000 bonus miles if you spend $4,000 on purchases within the first three months from account opening.
These 75,000 miles are price at the very least $750 when redeemed for journey immediately by means of Capital One’s journey reserving website or as assertion credit towards different journey purchases.
Nevertheless, in accordance with TPG’s September 2025 valuations, the bonus worth is boosted to $1,388 for those who switch these miles to Capital One’s 15-plus airline and resort switch companions as a substitute.
Whereas that may be alluring sufficient by itself, the cardboard extends loads of different helpful, on a regular basis advantages:
- Anniversary bonus: 10,000 bonus miles each account anniversary, beginning in your first anniversary (price at the very least $100 towards journey).
- Annual price: $395.
- Licensed customers: As much as 4 approved customers will be added at no cost.
- Credit score: A $300 credit score yearly for bookings made by means of Capital One’s journey reserving website.
- Incomes: The Enterprise X earns 10 miles per greenback spent on accommodations and automobile leases booked through Capital One’s journey reserving website, 5 miles per greenback spent on flights and trip leases booked through Capital One’s journey reserving website and a vast 2 miles per greenback spent on every part else.
- International Entry or TSA PreCheck: As much as $120 in assertion credit for both TSA PreCheck or International Entry.
- Lounge entry: Complimentary entry for cardholders, approved customers and as much as two friends per go to to Capital One Lounges and as much as two friends touring with the cardholder or approved person to 1,300+ Precedence Cross lounges worldwide (till Feb. 1, 2026, when these insurance policies change). After this, approved customers will now not obtain complimentary entry to Capital One lounges or Precedence Cross lounges (except they pay a $125 lounge entry price), and cardholders will now not be allowed two complimentary friends to airport lounges (except they spend $75,000 on the Enterprise X in a calendar yr).
Reward your inbox with the TPG Each day publication
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
Associated: The very best premium bank cards: A side-by-side comparability
Who ought to get the Enterprise X?
In case you’re contemplating the Enterprise X, let’s slim down why the cardboard may greatest suit you.
You need simplicity in a premium card
The Enterprise X bank card is a premium card that is easy to make use of. Not like another merchandise, which supply a dizzying array of assertion credit and third-party companions, the Enterprise X retains its perks comparatively easy.
The truth is, the Enterprise X presents advantages that even newbie vacationers can maximize, together with the aforementioned $300 annual credit score by means of the journey portal and the ten,000 anniversary miles. Basic math will present that between the annual journey credit score and bonus miles on every account anniversary, you are already breaking even on the $395 annual price. And that does not embody quite a lot of different perks.
The Enterprise X additionally adopts a easy incomes construction, accruing 2 miles per greenback spent on most expenses, complemented by elevated incomes charges for bookings made through Capital One’s journey reserving website.
Associated: 8 incessantly requested questions in regards to the Capital One Enterprise X card
You need entry to airport lounges
Whereas an increasing number of journey bank cards appear to supply airport lounge entry lately, the Enterprise X nonetheless has just a few options that set it aside on this respect.
Enterprise X cardholders have entry to a rising community of Capital One Lounges, together with at Dallas Fort Price Worldwide Airport (DFW), Dulles Worldwide Airport (IAD), Denver Worldwide Airport (DEN), and a Capital One Touchdown at Reagan Nationwide Airport (DCA). The lounges have a contemporary design, premium eating experiences and a sturdy grab-and-go choice.
As well as, Enterprise X cardholders get entry to 1,300+ Precedence Cross lounges worldwide.
You need free approved customers
Enterprise X cardholders can add as much as 4 approved customers without charge — a superb worth proposition for a premium journey rewards card.
Licensed customers additionally get Hertz President’s Circle elite standing. By registering by means of your Capital One account, your approved person can get pleasure from top-tier standing with Hertz automobile leases.
Upon enrollment, accessible by means of the Capital One web site or cellular app, eligible cardholders will stay at that standing stage by means of the period of the supply. Please word, enrolling by means of the conventional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) is not going to robotically detect a cardholder as being eligible for this system and cardholders is not going to be robotically upgraded to the relevant standing tier. Further phrases apply.
You need among the greatest journey safety advantages
This Visa Infinite card presents among the business’s most complete journey and journey safety advantages.
That features journey cancellation and interruption insurance coverage, journey delay reimbursement, misplaced baggage reimbursement, cellphone safety, rental automobile safety, buy safety, prolonged guarantee safety and return safety.
Associated: 5 of essentially the most underrated journey rewards playing cards
Who should not get the Enterprise X?
Whereas the Enterprise X is a powerful, high-end card, it is not for everybody. Let’s take a better look.
You need a sturdy community of premium lounges proper now
The Enterprise X presents intensive journey perks, however so far, it has simply three proprietary airport lounges open and one eating idea.
Certainly, whereas Capital One has grand ambitions with its personal lounge community, American Categorical has a big head begin with Centurion Lounges at greater than 20 airports, in addition to the International Lounge Assortment, which incorporates Precedence Cross™ lounges and Delta Sky Golf equipment (when catching a same-day Delta flight).
Subsequently, sure flyers who typically use the lounge may desire a card like The Platinum Card® from American Categorical.
You do not journey a lot or plan to leverage switch companions
To really maximize the Enterprise X card, it is best to take into account leveraging Capital One’s switch program.
Capital One has made a number of important developments to its mileage program over the previous few years, together with shifting from simply fixed-rate redemptions to including airline and resort switch companions and enhancing mileage switch charges.
In case you do not use switch companions, the perfect you are able to do is a redemption charge of 1 cent per mile.
Associated: How (and why) it is best to earn transferable bank card factors
Backside line
The Capital One Enterprise X Rewards Credit score Card is a superb possibility for these in search of a premium bank card with easy-to-digest advantages.
Nevertheless, for these in search of a card with higher lounge entry or who do not want the flexibleness of airline and resort switch companions, there could also be higher choices on the market.
That stated, we predict the cardboard is sort of a no brainer for vacationers starting from luxurious seekers to the extra budget-minded.
To study extra, learn our full overview of the Enterprise X.
Study extra: Capital One Enterprise X
For Capital One merchandise listed on this web page, among the above advantages are offered by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
