Key takeaways
- The Capital One Enterprise X Rewards Credit score Card fees a decrease annual charge than competing playing cards from different issuers, but nonetheless comes with its share of premium journey advantages.
- Not solely does this card provide broad airport lounge entry, but it surely features a $300 annual journey credit score, a charge credit score of as much as $120 towards International Entry or TSA PreCheck membership and a beneficiant welcome provide.
- Cardholders might also just like the easy-to-understand rewards construction on this card, together with the truth that all common purchases earn a minimal of 2X miles.
Now that the Capital One Enterprise X Rewards Credit score Card has been round some time, it’s turn into a real competitor to different premium journey bank cards from issuers like American Specific and Chase.
That is partly as a result of the Capital One Enterprise X Rewards Credit score Card has a a lot decrease annual charge than the Chase Sapphire Reserve® or The Platinum Card® from American Specific. But it surely’s additionally because of its broad airport lounge entry profit, versatile journey credit and the continued journey advantages cardholders obtain.
However is the Capital One Enterprise X card “value it” in a standard sense? In the event you journey in any respect, you’ll be able to simply get much more than $395 in worth throughout the first 12 months.
When is the Capital One Enterprise X value it?
The Capital One Enterprise X will be value it when you’re getting greater than $395 in worth annually from the perks you’ll obtain. Right here’s a rundown of all the explanations it is best to take into account signing up:
You want the cardboard’s rewards construction
The Capital One Enterprise X makes it simple to earn a substantial quantity in rewards on journey purchases and on a regular basis spending. Signing up for this card offers you the possibility to earn 75,000 bonus miles whenever you spend $4,000 on purchases within the first three months from account opening, equal to $750 in journey. On common spending, you’ll be able to earn:
- 10 Miles per greenback on lodges and rental automobiles booked via Capital One Journey
- 5 Miles per greenback on flights and trip leases booked via Capital One Journey
- 2 Miles per greenback on each buy, each day
Do you know?
You can even obtain 10,000 bonus miles, value $100, whenever you renew your card in your account anniversary.
You should use $300 in annual journey credit
One of many largest advantages of this card is the annual journey credit score all members routinely obtain, which just about fully offsets the cardboard’s annual charge. Cardholders can rise up to $300 again as assertion credit towards journey bookings they make with their card via Capital One Journey. This credit score must be simple to make use of, as a result of this journey portal helps you to select from an analogous collection of flights, lodges and automobile leases you’d discover elsewhere on-line.
Like different journey portals, Capital One Journey helps you to seek for journey based mostly in your vacation spot and dates, so you’ll be able to examine all of your choices in a single place. Plus, this credit score can apply to a number of bookings.
You need Precedence Move Choose and Capital One airport lounge membership
The Capital One Enterprise X card comes with Precedence Move Choose membership, which helps you to enter greater than 1,700 airport lounges worldwide and has a retail worth of $469. Nonetheless, cardholders may enter Capital One’s new airport lounges and accessible companion lounges.
Cardmembers can deliver as much as two visitors free of charge into Precedence Move or Capital One lounges. Further visitors may also be introduced into Capital One lounges by cardholders for an extra charge of $45 every.
You’ll profit from as much as $120 in International Entry or TSA PreCheck credit
Like many premium journey bank cards, the Capital One Enterprise X offers cardholders as much as $120 in credit towards International Entry or TSA PreCheck membership. As a result of becoming a member of International Entry additionally will get you TSA PreCheck, becoming a member of this program is a greater deal. You should use this credit score each 4 years, and it may be used for anybody, not simply the cardholder.
You need to switch miles to Capital One journey companions
Like bank cards that earn Chase Final Rewards factors, Citi ThankYou® factors and American Specific Membership Rewards factors, the Capital One Enterprise X provides you the possibility to switch your miles to airline and resort companions.
Right here’s a full checklist of Capital One switch companions and present ratios at time of writing:
| Switch companion | Switch ratio |
|---|---|
| Accor Dwell Limitless — ALL | 2:1 |
| Aeromexico Rewards | 1:1 |
| Air Canada Aeroplan | 1:1 |
| Air France-KLM Flying Blue | 1:1 |
| Avianca Lifemiles | 1:1 |
| British Airways Government Membership | 1:1 |
| Cathay Pacific Asia Miles | 1:1 |
| Alternative Privileges | 1:1 |
| Emirates Skywards | 1:1 |
| Etihad Visitor | 1:1 |
| EVA Infinity MileageLands | 2:1.5 |
| Finnair Plus | 1:1 |
| JetBlue TrueBlue | 5:3 |
| Qantas Frequent Flyer | 1:1 |
| Singapore Airways KrisFlyer | 1:1 |
| TAP Miles&Go | 1:1 |
| Turkish Airways Miles&Smiles | 1:1 |
| Virgin Pink | 1:1 |
| Wyndham Rewards | 1:1 |
It’s value noting that the Capital One Enterprise X card provides the identical versatile redemption choices because the common Capital One Enterprise Rewards Credit score Card, together with the choice to redeem Capital One miles for journey at a price of 1 cent every. Cardholders may redeem rewards for money again, assertion credit, reward playing cards, merchandise and extra.
When is the Capital One Enterprise X not value it?
Whereas the Capital One Enterprise X will be effectively definitely worth the annual funding, that doesn’t imply it’s proper for everybody. In reality, there are a number of eventualities the place shoppers could be higher off with a special rewards bank card altogether.
Do you have to get the Capital One Enterprise X?
Like every other premium journey bank card, the Capital One Enterprise X provides loads of perks in trade for a comparatively excessive annual charge. Whether or not or not paying $395 for this card is smart will depend on whether or not you’ll be able to truly use the advantages it provides.
That stated, the Capital One Enterprise X was created to compete with different top-tier journey bank cards — this truth turns into evident whenever you examine choices based mostly on their annual charges. Whereas the Capital One Enterprise X will set you again $395 per 12 months, the Chase Sapphire Reserve prices $550 per 12 months and the Amex Platinum will set you again $695 per 12 months.
In the event you’re hoping to amass a premium journey bank card with the bottom attainable out-of-pocket value, the Capital One Enterprise X is definitely the best choice on the market.
The underside line
The Capital One Enterprise X has a decrease annual charge than the competitors, as much as $300 in journey credit the primary 12 months, a beneficiant sign-up bonus and airport lounge membership. There’s not a lot to complain about. Even so, it is best to take the time to check this card to different high rewards playing cards, together with different Capital One bank cards and journey bank cards.
The Capital One Enterprise X Rewards Credit score Card can undoubtedly be value it, however you’ll want to perform a little research to know if it holds worth for you.
