The Capital One Enterprise X Rewards Credit score Card stands tall within the journey bank card market. That is because of its easy advantages, skill to earn worthwhile Capital One miles and annual payment of $395, modest in comparison with its premium counterparts.
For those who’ve been eyeing this rewards card, now’s a unbelievable time to use. That is as a result of the cardboard is providing its highest welcome bonus since its launch in 2021. The one time this card has had a limited-time welcome bonus was through the first 4 months after it debuted.
However the provide ends on Jan. 5, 2026, so you may need to act quickly to safe it.
Let’s dive into the Enterprise X’s bonus and advantages that will help you determine whether or not now’s the time so as to add the cardboard to your pockets.
Present Capital One Enterprise X provide
New Enterprise X candidates can earn 100,000 miles after spending $10,000 on purchases within the first six months of account opening. That is your final probability to earn this bonus, because it ends on Jan. 5, 2026.
Based on TPG’s December 2025 valuations, this bonus is value $1,850.
Capital One miles are Most worthy whenever you leverage one of many issuer’s 15-plus switch companions. Nonetheless, cardholders even have the choice to redeem at a set fee of 1 cent per level to cowl latest journey purchases on the cardboard or make bookings by way of the Capital One Journey portal. This bonus is value a decent $1,000 should you redeem it this fashion.
How does this examine to previous presents?
Outdoors of the Enterprise X’s November 2021 launch, that is the one elevated provide we have seen within the card’s historical past. The Enterprise X provided the identical 100,000-mile provide from November 2021 to March 2022. In any other case, it has by no means strayed from its normal 75,000-mile provide (not at the moment obtainable).
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This 100,000-mile provide hasn’t been obtainable in 4 years, making now a nice time to use. The provide expires quickly, so make sure you apply by Jan. 5, 2026.
Utility guidelines and restrictions
Capital One has imposed a 48-month household rule throughout its lineup of Enterprise playing cards, together with the Capital One VentureOne Rewards Credit score Card and the Capital One Enterprise Rewards Credit score Card.
This new Enterprise household rule restricts you from transferring ‘down’ the Enterprise card household (when it comes to annual charges), which means if you have already got the Enterprise X and earned the bonus within the final 48 months, you will not be authorized for the VentureOne ($0 annual payment) or Enterprise ($95 annual payment). So, that is one thing to remember if you wish to decide up considered one of these two lower-tier playing cards sooner or later.
Moreover, should you’ve opened the Enterprise X and acquired its bonus within the final 48 months, you will not be eligible for this present bonus.
Capital One’s different utility restrictions require you to attend six months between approvals for brand new Capital One playing cards, together with each private and enterprise playing cards.
Associated: 6 issues to do whenever you get the Capital One Enterprise X
Why it is best to apply for the Enterprise X
The Enterprise X gives a number of advantages for frequent vacationers to get pleasure from. Key perks embody:
- Anniversary bonus: The cardboard pays 10,000 bonus miles in your account anniversary, beginning in your first anniversary. As of December 2025, TPG values these 10,000 miles at as much as $185 when utilized with Capital One’s switch companions.
- Annual journey credit score: Cardholders will obtain a $300 annual credit score for bookings made by way of Capital One Journey.
- Approved customers: Further approved customers will be added at no cost. Nonetheless, starting Feb. 1, 2026, every approved person will price $125 yearly to retain Capital One and Precedence Cross lounge entry.
- World Entry or TSA PreCheck: Cardholders obtain as much as $120 in assertion credit for both TSA PreCheck or World Entry.
- Lounge entry: Cardholders, approved customers and as much as two visitors per go to get complimentary entry to Capital One lounges and greater than 1,300 Precedence Cross lounges till Feb. 1, 2026. After this date, you may be required to pay for visitor entry to each forms of lounges.
- Luxurious lodge perks: The Capital One Premier Assortment presents free breakfast, room upgrades and different perks at taking part motels and resorts. Cardholders may entry Capital One’s lower-tier Life-style Assortment.
- Stacking automotive rental perks: Cardholders can stack automotive rental perks with Hertz.*
*Upon enrollment, accessible by way of the Capital One web site or cell app, eligible cardholders will stay at that standing degree by way of the period of the provide. Please observe, enrolling by way of the traditional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) is not going to mechanically detect a cardholder as being eligible for this system and cardholders is not going to be mechanically upgraded to the relevant standing tier. Further phrases apply.
On high of those advantages, the Enterprise X makes it simple to earn Capital One miles at aggressive charges:
- 10 miles per greenback spent on motels and rental vehicles booked by way of Capital One Journey
- 5 miles per greenback spent on flights and trip leases booked by way of Capital One Journey
- 2 miles per greenback spent on all different purchases
For those who maximize the complete worth of simply two of the Enterprise X’s annual perks — the $300 journey credit score and 10,000 bonus factors — you’ll successfully recoup your $395 annual payment. That is as a result of TPG’s December 2025 valuations place the bonus factors at $185. Whenever you add the worth of the $300 credit score to this, you attain a complete annual worth of $485.
Associated: Cashing in Capital One miles? The right way to get the utmost worth when redeeming miles
Backside line
The Enterprise X is offering 100,000 miles in its first elevated provide since launch, which makes now a good time to use should you’re eligible for the bonus.
With the provide expiring quickly, you may need to apply now so you do not miss out. The bonus ends on Jan. 5, 2026.
This card could be a nice possibility for a lot of vacationers, and the cardboard will possible change into extra compelling over time as Capital One continues to spend money on its rewards program and increase its lounge community.
To be taught extra, learn our full assessment of the Enterprise X.
Be taught extra: Capital One Enterprise X
For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
