Key takeaways
- The Capital One Enterprise X Rewards Credit score Card is a premium journey bank card with a $395 annual payment. Nevertheless, you possibly can recoup the annual payment in the event you reap the benefits of card advantages — just like the as much as $300 in assertion credit for reserving journey by Capital One Journey and the ten,000 bonus miles earned every account anniversary, which carries a $100 worth.
- In the event you don’t wish to pay a excessive annual payment, the Capital One Enterprise Rewards Credit score Card can be the higher possibility. It comes with a decrease $95 annual payment, plus journey rewards on eligible spending.
- Each playing cards provide boosted rewards for lodge and automotive leases bought by Capital One Journey, 2X miles on all different purchases and as much as $120 in credit towards World Entry or TSA PreCheck software charges (each 4 years).
The Capital One Enterprise Rewards Credit score Card is a long-time favourite for shoppers who worth easy-to-manage journey rewards. At its coronary heart, the Capital One Enterprise offers one of the best of two worlds: simplicity and worth. The cardboard affords easy incomes and redemption choices together with versatile switch alternatives.
Nevertheless, the Capital One Enterprise faces stiff competitors from Capital One’s premium journey card: The Capital One Enterprise X Rewards Credit score Card. With sturdy rewards charges and a comparatively reasonably priced annual payment, the Enterprise X stacks up nicely in opposition to the competitors within the premier journey card market.
However which certainly one of these Capital One bank cards do you have to apply for? Listed here are the primary particulars it’s best to take into account to find out which possibility is best for you.
Important particulars
| Capital One Enterprise X Rewards Credit score Card | Capital One Enterprise Rewards Credit score Card | |
| Welcome bonus | Earn 75,000 miles after spending $4,000 on purchases inside 3 months of account opening (price $750 in journey) | Earn 75,000 miles after spending $4,000 on purchases throughout the first 3 months of account opening (price $750 in journey); for a restricted time, you’ll additionally get a one-time $250 Capital One Journey credit score in the course of the first 12 months you have got the cardboard |
| Rewards charge |
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| Intro APR | N/A | N/A |
| Annual payment | $395 | $95 |
Capital One Enterprise X vs. Capital One Enterprise highlights
Whereas each the Capital One Enterprise and Capital One Enterprise X provide helpful journey perks and limitless 2X miles on all commonplace purchases, they don’t seem to be equal in worth. One of the best card for you’ll rely in your spending habits and monetary targets. That can assist you resolve between them, we’ve reviewed every card’s advantages, bonuses, charges and extra.
Welcome bonus winner
Rewards charge winner
Annual payment winner
International transaction payment winner
Which card earns probably the most?
Deciding which journey card is price it for chances are you’ll come all the way down to your spending habits. Each playing cards provide 2X miles for each greenback you spend, however the Enterprise X ups the ante on the subject of journey earnings.
Bear in mind, nonetheless, that the Enterprise Card’s annual payment is just $95 — which most shoppers can recuperate with relative ease by rewards earnings. Due to this, the annual payment shouldn’t overwhelm your earnings.
In the meantime, the Enterprise X’s $395 yearly payment is more durable to recoup with rewards — until you make the most of the as much as $300 in assertion credit to ebook journey by Capital One Journey together with the account anniversary bonus of 10,000 miles (a $100 worth).
In order for you a journey card with no annual payment, the Capital One VentureOne Rewards Credit score Card suits the invoice, albeit with a decrease rewards charge of 5X miles on motels and rental automobiles booked by Capital One Journey and 1.25X miles on all different purchases.
Capital One Enterprise X vs. Capital One Enterprise spending instance
Let’s say you cost $1,000 a month in on a regular basis spending, and this spending contains groceries, fuel, eating and your cellphone invoice. Since each playing cards award 2X miles for all purchases, your rewards worth can be the identical whether or not you utilize the Enterprise or the Enterprise X. With each playing cards, you’ll earn 2,000 miles, which is price $20 in journey rewards, every month.
However what in the event you use your card to ebook a trip by the Capital One Journey portal? Say you spend $1,000 on round-trip airfare, $1,500 on a six-night lodge keep and $600 on a automotive rental — a complete of $3,100. Right here’s what you’d earn:
| Trip spending classes | Quantity spent | Capital One miles earned by the Enterprise Card | Capital One miles earned by the Enterprise X |
| Airfare | $1,000 | 2,000 miles | 5,000 miles |
| Lodge stays | $1,500 | 7,500 miles | 15,000 miles |
| Automobile rental | $600 | 3,000 miles | 6,000 miles |
| Whole | $3,100 | 12,500 miles | 26,000 miles |
The Capital One Enterprise Card would award you 5X miles in your lodge, trip rental and automotive rental purchases and 2X miles on your flight purchases. Meaning you’d earn 10,500 miles on your lodge and automotive rental prices and a pair of,000 miles for the flight prices. In complete, you’d earn 12,500 miles, price $125 in journey worth by Capital One Journey.
With the Enterprise X, you’d earn 5X miles in your $1,000 airline tickets for a complete of 5,000 miles and 10X miles on each your $1,500 lodge keep and $600 automotive rental for a complete of 21,000 miles. On this state of affairs, you’d earn a complete of 26,000 miles, which equals $260 in journey worth by Capital One Journey.
Why do you have to get the Capital One Enterprise X?
The Capital One Enterprise X is definitely one of many greatest journey bank cards available on the market. Though it comes with a better annual payment than the Enterprise card, the added advantages might simply make this card price it for you — particularly if you’re a frequent traveler.
Extra advantages
There’s a variety of helpful Enterprise X journey advantages, beginning with as much as $300 again every year in assertion credit once you make journey preparations by Capital One Journey. It additionally offers you with 10,000 bonus miles (price $100 towards journey purchases) yearly in your account anniversary.
The Enterprise X Card additionally goals to enhance your expertise on the airport by providing you with limitless, complimentary entry to Capital One Lounges for the cardholder and a pair of complimentary company. Plus, the cardboard comes with a Precedence Go Choose membership, which affords airport lounge entry to greater than 1,300 lounges all over the world, this time for the cardholder and a limiteless variety of company. Lastly, you’ll obtain as much as $120 in assertion credit to cowl your World Entry or TSA PreCheck software payment each 4 years. These privileges can pace up the safety examine course of considerably.
The Enterprise X additionally comes with cellphone safety, necessary journey protections, entry to Capital One Leisure and extra.
Redemption choices
You may redeem your Capital One miles in a number of methods, together with:
- Reserving new journey reservations by Capital One Journey
- Transferring your miles to any of Capital One’s airline and lodge switch companions
- Redeeming miles for an announcement credit score for journey purchases made throughout the previous 90 days
- Redeeming miles for present playing cards, money again or Amazon and PayPal purchases
Beneficial credit score rating
Like many premier journey bank cards, Capital One recommends having a credit score rating within the wonderful vary to qualify for the Enterprise X.
Why do you have to get the Capital One Enterprise?
In the event you’re looking for a journey card with a stable earnings construction and a manageable annual payment, the Capital One Enterprise card may match the invoice. Plus, the cardboard’s present welcome provide can yield as much as $1,000 in first-year worth — so it’s a very good time to use.
Listed here are some causes to think about including the Capital One Enterprise Rewards Credit score Card to your pockets.
Extra advantages
As a Capital One Enterprise Card holder, you’ll obtain as much as $120 in credit towards World Entry or TSA PreCheck software charges (each 4 years). Moreover, the Enterprise Card offers numerous typical journey advantages, together with 24-hour journey help, journey accident insurance coverage, auto rental collision injury waiver protection and prolonged guarantee safety on eligible objects.
The Enterprise Card doesn’t provide limitless complimentary lounge entry just like the Enterprise X does. Nevertheless, Enterprise Card holders can entry Capital One Lounges at a charge of $45 per individual — a reduction from the usual $90 charge for non-cardholders.
Redemption choices
The redemption choices for the Capital One Enterprise Card and Enterprise X are the identical. You may ebook journey by Capital One Journey, obtain an announcement credit score for journey purchases you’ve made throughout the final 90 days or switch miles to an airline or lodge switch accomplice.
Different redemption choices embrace money again (within the type of a examine or account credit score), present playing cards and eligible PayPal and Amazon purchases.
Beneficial credit score rating
You’ll want good to wonderful credit score to have one of the best odds of qualifying for the Capital One Enterprise. Understand that candidates with greater credit score scores often have higher odds of approval (though approval isn’t assured).
The underside line
If you examine the Capital One Enterprise and the Capital One Enterprise X, you’ll see that each journey rewards playing cards function a limiteless 2X miles for on a regular basis purchases. Each playing cards additionally provide a boosted rewards charge for lodge and automotive leases bought by Capital One Journey, however the Enterprise X offers 10X miles on these purchases whereas the Enterprise offers 5X miles. Plus, the Enterprise X affords 5X miles on flights and trip leases booked by Capital One Journey, whereas the Enterprise doesn’t provide boosted earnings on flight purchases.
If you consider quite a few travel-related assertion credit and the ten,000 bonus miles in your account anniversary, the Enterprise X Card packs an even bigger long-term worth punch.
Nevertheless, in the event you’re averse to paying a better annual payment and don’t journey sufficient to reap the benefits of these perks, the Enterprise Card could also be a more sensible choice for you. In the event you’re contemplating this card, make certain to use quickly to reap the benefits of the beneficiant limited-time welcome provide.
