Why I Love The Capital One Enterprise X

The Capital One Enterprise X Rewards Credit score Card is definitely my favourite bank card, and the one I like to recommend most frequently to fellow journey lovers. And that’s saying one thing, contemplating I write about bank cards for a dwelling.

Ever because it was introduced again in 2021, I knew the Enterprise X would turn out to be a game-changer. Lastly, right here was a card that may permit extra frequent vacationers to get into the premium journey card area. Moreover beneficiant rewards, the Enterprise X presents simple-to-use advantages that make journey extra comfy, in addition to annual credit that may simply offset the $395 annual price. And whereas the price remains to be excessive, it’s greater than $150 decrease in comparison with different common playing cards within the premium journey class.

Right here’s extra on what I like in regards to the Enterprise X — and why I preserve recommending it to different vacationers.

Beneficiant sign-up bonus

The Enterprise X is a beneficiant journey card — beginning with the intro bonus. At present, you may get 75,000 miles after you spend $4,000 on purchases throughout the first three months of account opening, which is the same as $750 in journey.

Once I was making use of, the issuer had a distinct provide, which allowed me to earn 100,000 miles (value $1,000 when redeemed for journey). I used these rewards on a ticket to Rome I booked with Lufthansa — a visit I sadly needed to cancel. Fortunately, the airline promptly refunded me, and the cash returned to my account. To make myself really feel higher, I spent it on Black Friday buying and a PlayStation 5. Not fairly as thrilling as a trip in Europe, however who else will get to say they managed to make use of their journey card to get a console with out shedding on the rewards worth?

Saves me cash

I at all times needed a premium journey bank card with perks that make journey extra comfy. Nonetheless, being budget-minded, I discover common luxurious playing cards just like the Chase Sapphire Reserve® (with a $550 annual price) and The Platinum Card® from American Specific (with a $695 annual price) to be too costly for me in the meanwhile.

Though their worth justifies their price for a lot of cardholders (significantly those that do a lot of touring), such a excessive single cost would imply I’d must considerably lower my bills for the month when the annual price is due. Compared, the Capital One Enterprise X has an annual price of $395, and it has among the identical perks because the Chase Sapphire Reserve and the Amex Platinum.

Moreover, the Enterprise X greater than pays for itself due to its as much as $300 in annual assertion credit for Capital One Journey purchases. It additionally presents 10,000 bonus miles in your account anniversary (redeemable via Capital One for journey at a 1-cent-per-mile worth). Final 12 months, I spent all of it, plus a few of my miles, touring from Seattle to Orlando, Fla., and Austin, Texas, for a bachelorette social gathering weekend and a marriage. With how excessive airfare costs get, I have a tendency to make use of each the annual credit score and anniversary bonus to cowl a single flight.

Plus, the Capital One Journey portal has some wonderful money-saving options, together with value prediction, value drop safety, value match assure and others. That is way more than what different issuer portals are at the moment providing.

Easy redemptions

There’s multiple kind of bank card nerd. Some are all about monitoring rewards values. They transfer their factors and miles between applications — typically a number of instances for one reserving — to squeeze each final tenth of a cent out of their rewards. That’s why they fly to the Maldives in top quality and do different sensible issues.

I’ve realized I’m not that kind. I’m the cardboard nerd who seeks the utmost worth on the minimal effort. With the Enterprise X, my miles are value 1 cent apiece, whether or not I take advantage of them to e-book journey via the issuer’s portal or to cowl journey purchases I’ve already made. And perhaps I’ve solely flown top quality as soon as, I additionally keep away from the maths and different frustrations that transferring rewards to switch companions can carry.

And if I ever flip into the primary, sensible kind of card nerd, Capital One has switch companions, too.

Extra comfy journey experiences

I like touring, however airports will be the stuff of nightmares. I can inform you horror tales about 18-hour flights with two layovers each methods. Nonetheless, it’s not all dangerous with premium bank card perks that make journey extra comfy, like entry to airport lounges and expedited airport safety.

With the Enterprise X, cardholders will obtain limitless complimentary entry for the cardholder and two company to over 1,300 airport lounges worldwide — together with Capital One Lounges and collaborating Precedence Cross lounges. That’s certainly one of my favourite issues in regards to the card. SeaTac (SEA), my residence airport, has two lounges within the Precedence Cross community, and I cease by virtually each time I fly. It’s laborious to say no to free snacks and comfy seats to loosen up in with my Kindle. Who’d select sitting by the gate when you’ll be able to have that?

The Enterprise X additionally comes with as much as a $100 credit score each 4 years to cowl the price of World Entry or TSA PreCheck software charges. World Entry is a program designed to supply expedited entry via American customs for individuals who often journey exterior of the U.S. TSA PreCheck presents expedited safety screening once you journey domestically. If you happen to join World Entry, you get each — which I did.

I accomplished my World Entry interview when getting back from a visit to Mexico in 2022. Sadly, I haven’t traveled internationally since then. However, TSA PreCheck has been a traveler’s blessing. I don’t assume I’ve spent greater than 10 minutes in an airport safety line since I signed up.

The journey perks on the Enterprise X aren’t as quite a few and elaborate as on different playing cards of its caliber — however they’re simple to make use of and may considerably enhance your airport expertise. For this reason this card is often the primary one I like to recommend to frequent flyers who need to journey in consolation. Simply a few months earlier than writing this text, I instructed it to my pal who was initially contemplating the Amex Platinum for related advantages. She determined a $395 annual price was way more preferable to the Platinum’s $695.

— Ana StaplesLead Credit score Playing cards Author

The underside line

I’ve had the Capital One Enterprise X card for over two years now. Its simplicity, wonderful journey perks and a relatively reasonably priced annual price have made it my favourite. It’s now the cardboard I construct my complete card technique round. At present, I’m planning to make use of it to get me to Germany in fall with out spending a single precise greenback. Let’s hope that journey doesn’t get canceled — I actually need to use that World Entry perk in any case this time.