Key takeaways
- The Capital One Enterprise X Rewards Credit score Card is a premium journey bank card with a $395 annual payment. Nevertheless, you’ll be able to recoup the annual payment should you benefit from card advantages — just like the as much as $300 in assertion credit for reserving journey by means of Capital One Journey and the ten,000 bonus miles earned every account anniversary, which carries a $100 worth.
- Should you don’t wish to pay a excessive annual payment, the Capital One Enterprise Rewards Credit score Card can be the higher choice. It comes with a decrease $95 annual payment, plus journey rewards on eligible spending.
- Each playing cards supply boosted rewards for lodge and automotive leases bought by means of Capital One Journey, 2X miles on all different purchases and as much as $100 in credit towards International Entry or TSA PreCheck utility 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 supplies the perfect of two worlds: simplicity and worth. The cardboard gives 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 robust rewards charges and a welcome bonus of 75,000 bonus miles (earned after spending $4,000 on purchases inside the first three months), in addition to a comparatively reasonably priced annual payment, the Enterprise X stacks up effectively in opposition to the competitors within the premier journey card market.
However which one among these Capital One bank cards must you apply for? Listed below are the principle particulars you must think about to find out which choice is healthier for you.
Fundamental 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 (value $750 in journey) | Earn 75,000 miles after spending $4,000 on purchases inside 3 months of account opening (value $750 in journey) |
| Rewards charge |
|
|
| 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 supply beneficial journey perks and limitless 2X miles on all purchases, they don’t seem to be equal in worth. The perfect card for you’ll rely in your spending habits and monetary objectives. That will help you resolve between the 2, we’ve reviewed every card’s advantages, bonuses, charges and extra.
Welcome bonus winner
Rewards charge winner
International transaction payment winner
Which card earns essentially the most?
Deciding which journey card is value it for it’s possible you’ll come right down to your spending habits. Each playing cards supply 2X miles for each greenback you spend, however the Enterprise X ups the ante with regards to journey earnings.
Take into accout, nevertheless, that the Enterprise Card’s annual payment is simply $95 — which most shoppers can recuperate with relative ease by means of 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 — except you make the most of the as much as $300 in assertion credit to e book journey by means of Capital One Journey, in addition to obtain the account anniversary bonus of 10,000 miles (a $100 worth).
If you would like 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 resorts and rental automobiles booked by means of 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 employ the Enterprise or the Enterprise X. With each playing cards, you’d earn 2,000 miles, which is value $20 in journey rewards, every month.
However what should you use your card to e book a trip for 2 by means of 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 |
| Automotive 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 and automotive rental purchases and 2X miles in your flight purchases. Meaning you’d earn 10,500 miles in your lodge and automotive rental expenses and a pair of,000 miles for the flight expenses. In complete, you’d earn 12,500 miles, value $125 in journey worth although 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 although Capital One Journey.
Why must you get the Capital One Enterprise X?
The Capital One Enterprise X is well among the best 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 value it for you — particularly if you’re a frequent traveler.
Further advantages
There’s a variety of beneficial Enterprise X journey advantages, beginning with as much as $300 again every year in assertion credit whenever you make journey preparations by means of Capital One Journey. It additionally supplies you with 10,000 bonus miles (value $100 towards journey purchases) yearly in your account anniversary.
The Enterprise X Card additionally goals to enhance your expertise on the airport by supplying you with limitless, complimentary entry to Capital One Lounges for the cardholder and two complimentary visitor . Plus, the cardboard comes with a Precedence Go Choose membership, which gives airport lounge entry to greater than 1,300 lounges all over the world, this time for the cardholder and an infinite variety of guestss. Lastly, you’ll obtain as much as $100 in assertion credit to cowl your International Entry or TSA PreCheck utility 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 possibly can redeem your Capital One miles in a number of methods, together with:
- Reserving new journey reservations by means of 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 inside the previous 90 days
- Redeeming miles for reward playing cards, money again or Amazon and PayPal purchases
Really helpful 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 must you get the Capital One Enterprise?
Should you’re looking for a journey card with a stable earnings construction and a manageable annual payment, the Capital One Enterprise card would possibly match the invoice. Listed below are some causes to contemplate including the Capital One Enterprise Rewards Credit score Card to your pockets.
Further advantages
As a Capital One Enterprise Card holder, you’ll obtain as much as $100 in credit towards International Entry or TSA PreCheck utility charges (each 4 years). Moreover, the Enterprise Card supplies plenty of 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 gadgets.
The Enterprise Card doesn’t supply 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 particular person — a reduction from the usual $65 charge for non-cardholders.
Redemption choices
The redemption choices for the Capital One Enterprise Card and Enterprise X are the identical. You possibly can e book journey by means of Capital One Journey, obtain an announcement credit score for journey purchases you’ve made inside the final 90 days or switch miles to an airline or lodge switch associate.
Different redemption choices embrace money again (within the type of a examine or account credit score), reward playing cards and eligible PayPal and Amazon purchases.
Really helpful credit score rating
You’ll want good to wonderful credit score to have the perfect odds of qualifying for the Capital One Enterprise. Take into account that candidates with greater credit score scores normally have higher odds of approval (though approval isn’t assured).
The underside line
Whenever you evaluate the Capital One Enterprise and the Capital One Enterprise X, you’ll see that each journey rewards playing cards characteristic an infinite 2X miles for on a regular basis purchases. Each playing cards additionally supply a boosted rewards charge for lodge and automotive leases bought by means of Capital One Journey, however the Enterprise X supplies 10X miles on these purchases whereas the Enterprise supplies 5X miles. Plus, the Enterprise X gives 5X miles on flights booked by means of Capital One Journey, which the Enterprise doesn’t supply.
Whenever you issue within the 75,000-mile welcome bonus (earned after spending $4,000 within the first three months), quite a few travel-related assertion credit and the ten,000 bonus miles in your account anniversary, the Enterprise X Card packs a much bigger worth punch.
Nevertheless, should you’re averse to paying a better annual payment and don’t journey sufficient to benefit from these perks, the Enterprise Card could also be a more sensible choice for you.
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.
