Capital One Enterprise vs. Capital One Enterprise X: Bank card showdown (2024)

Editor’s be aware: This publish has been up to date with new info and provides.

The Capital One Enterprise Rewards Credit score Card (see charges and charges) offers nice worth to occasional vacationers and people wanting to maximise their points-earning. The $95-annual-fee card earns 2 miles per greenback on all purchases, plus provides a International Entry/TSA PreCheck credit score (as much as $100).

Its flashier sibling, the $395-annual-fee Capital One Enterprise X Rewards Credit score Card (see charges and charges) provides an enhanced journey expertise to compete with The Platinum Card® from American Categorical and the Chase Sapphire Reserve.

Should you don’t carry both card — the Enterprise or the Enterprise X — you might marvel: Do you have to apply for the well-established, crowd-pleasing Enterprise or shake issues up with the higher-priced Enterprise X?

Right here, we’ll carefully study each playing cards to assist vacationers determine which Capital One card is the most suitable choice for you.

Evaluating the Enterprise X and Enterprise

For an annual price distinction of $300, you’ll get a number of perks — together with limitless lounge entry, extra assertion credit and bonus anniversary miles.

However are all of those perks price it? Let’s put these playing cards to the check within the following sections.

Welcome supply

TPG values its valuation Capital One miles at 1.85 cents per mile. This implies you will get unbelievable worth from the bonuses on each playing cards.

For each the Enterprise X and the Enterprise, you’ll earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. These miles are price round $1,388, primarily based on TPG’s valuations, making now a good time to use for both card.

Winner: Tie.

Bonus classes

Considered one of our favourite elements of the Enterprise is its approachable incomes fee of two miles per greenback on all eligible purchases. And cardholders who e book resorts and rental vehicles by the Capital One Journey portal will take pleasure in an improved 5 miles per greenback on these purchases.

The Enterprise X takes that very same on a regular basis incomes fee that we love (2 miles per greenback) however layers in extra travel-geared bonus classes. You’ll earn 10 miles per greenback on resorts and rental vehicles booked by the Capital One Journey portal and 5 miles per greenback on flights booked by the portal. With the Enterprise, you will not earn bonus miles on flights, and your earn fee on resorts and rental vehicles is halved to five miles per greenback spent.

Winner: Enterprise X is the clear winner. Nevertheless, it’s price declaring that you could be wish to keep away from reserving resorts and rental vehicles by the portal when you’re pursuing (or have already got) elite standing. The portal is taken into account a third-party platform, so that you doubtless gained’t obtain any elite credit or advantages when reserving this fashion (although Hertz is one essential exception).

Redemption choices

Capital One has 18 airline and resort switch companions, most transferring at a 1:1 ratio:

• Aeromexico Membership Premier
• Air Canada Aeroplan
• Air France-KLM Flying Blue
• ALL Accor Stay Limitless (2:1)
• Avianca LifeMiles
• British Airways Govt Membership
• Cathay Pacific Asia Miles
• Selection Privileges
• Emirates Skywards
• Etihad Visitor
• EVA Air Infinity MileageLands (2:1.5)
• Finnair Plus
• Qantas Frequent Flyer
• Singapore Airways KrisFlyer
• TAP Portugal Miles & Go
• Turkish Airways Miles & Smiles
• Virgin (Virgin Purple)
• Wyndham Rewards

Even when most of Capital One’s companions are worldwide airways, don’t low cost them, as there’s nonetheless great worth to be discovered when you can leverage the assorted applications’ candy spots. Plus, accessing extra switch companions solely helps present extra flexibility when it’s time to redeem your miles. Some notable applications embrace Air Canada Aeroplan, British Airways Govt Membership and Turkish Airways Miles & Smiles.

If simplicity is your factor, you possibly can as an alternative redeem your miles for any travel-related purchases in your assertion at a fee of 1 cent every with both card. Whereas that is beneath our valuation of 1.85 cents, it is a nice solution to cut back these different journey costs like group excursions and ride-hailing companies.

Winner: Tie. Although the Enterprise X carries the next annual price, it provides the very same redemption choices because the Enterprise.

Card advantages

Maybe the largest distinction between the 2 playing cards is the sheer variety of advantages that include the Enterprise X.

The Enterprise is a pared-down model of the Enterprise X, with solely two passes per yr to go to Capital One’s airport lounges (simply the Dallas-Fort Price location for now — however extra are deliberate). Just like the Enterprise X, the Enterprise card additionally provides a International Entry/TSA PreCheck reimbursem*nt credit score.

Then again, with the Enterprise X, you’ll take pleasure in a number of extra perks:

From the 2 tangible advantages — the ten,000 bonus miles and $300 annual journey credit score — that’s $485 in worth alone. This covers your complete distinction between the annual charges on the 2 playing cards.

Winner: Enterprise X. The $300 annual price distinction will get you a gentle quantity of perks that can make an infinite distinction in your journey expertise. With limitless entry to Capital One and Precedence Move lounges, as much as $300 in annual journey credit score by the Capital One portal and extra, the worth of the Enterprise X’s extra sturdy advantages turns into much more obvious.

Associated: 6 issues to do if you get the Capital One Enterprise X

When must you get the Enterprise X?

The Enterprise X offers appreciable first-year worth, with the 75,000 bonus miles after spending $4,000 within the first three months of account opening. Coupled with the opposite perks on the cardboard not discovered on the Enterprise, most vacationers shouldn’t have any hassle justifying the upper $395 annual price — although the sign-up bonuses are similar.

Beneficiant approved person advantages

Whereas the $395 annual price is steep, the advantages may be shared amongst as much as 4 approved customers. In case you have trusted relations or mates, you possibly can add them without cost and share limitless entry to Capital One, Precedence Move and Plaza Premium lounges (with the identical visitor entry because the cardholder). Approved customers can even make the most of the cardboard’s complete journey and buy protections, which may be actual money-savers when issues go mistaken on the street.

Cellphone safety

That is the primary Capital One card to return with cellphone safety, a reasonably wonderful profit in case your telephone will get broken, stolen and even misplaced if it’s unrecoverable.

Associated: Improbable perks and a 75,000-mile bonus: A assessment of the Capital One Enterprise X

When must you get the Enterprise?

Although the Enterprise X wins in almost each class that we have analyzed, that doesn’t imply the Enterprise ought to be out of the working fully.

The Enterprise X’s advantages don’t work along with your life-style

Should you journey too sometimes to maximise the complete potential of the Enterprise X, then the Enterprise is probably going higher fitted to you. Admittedly, the Enterprise X’s perks are designed for street warriors and frequent flyers. Capital One has just one lounge at present open at DFW, and whereas there are extra within the pipeline, it would undoubtedly take time for the complete good thing about Capital One lounges to be realized.

Whereas profitable, the credit on the Enterprise X are nonetheless extra restricted when in comparison with the $300 journey credit score on the Chase Sapphire Reserve, which is among the most beneficiant credit we’ve seen on any card. Consequently, when you all the time e book straight and don’t wish to decide to reserving by the Capital One Journey portal, you may discover it arduous to take full benefit of the Enterprise X’s $300 annual journey credit score.

You have already got Precedence Move, Centurion Lounge or different lounge entry

For a lot of vacationers, airport lounges are a saving grace to get work accomplished or seize a meal earlier than your flight departs. But when you have already got one other card that grants you Precedence Move or another sort of lounge entry, carrying the Enterprise X is probably not vital.

As an example, the Amex Platinum grants you entry to the American Categorical International Lounge Assortment, together with the issuer’s personal Centurion Lounges in addition to Delta Sky Golf equipment (when flying Delta) and Precedence Move (besides restaurant venues).

Associated: 8 methods the Amex Centurion Lounge can fight overcrowding, enhance the expertise

You’re searching for a fixed-rate rewards card for non-bonus bills

On the finish of the day, the Enterprise nonetheless provides 2 miles on all different eligible purchases — the identical fee because the Enterprise X. Should you’re merely trying so as to add a flat-rate incomes card to your technique to maximise these purchases that are likely to fall outdoors of frequent buy classes, the Enterprise remains to be a incredible card to earn all these further factors.

Associated: Earn 75,000 bonus miles: Capital One Enterprise Rewards Credit score Card assessment

Backside line

Capital One entered the premium card market with a splash in 2021, with the Enterprise X among the many most enjoyable card launches we’ve seen. For many vacationers, the Enterprise X is the uncontested winner.

Nevertheless, the Enterprise Rewards continues to face its floor with its personal advantages and a $95 annual price that’s way more approachable for award journey freshmen.

Utility hyperlink: Capital One Enterprise X
Utility hyperlink Capital One Enterprise Rewards

Extra reporting by Ryan Wilcox and Christina Ly.

For charges and charges of the Enterprise, click on right here.

For charges and charges of the Enterprise X, click on right here.

For Capital One merchandise listed on this web page, a few of the above advantages are supplied by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

*Upon enrollment, accessible by the Capital One web site or cellular app, eligible cardholders will stay at upgraded standing stage by Dec. 31, 2024. Please be aware, enrolling by the conventional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) is not going to routinely detect a cardholder as being eligible for this system and cardholders is not going to be routinely upgraded to the relevant standing tier. Extra phrases apply.