Capital One Enterprise X Rewards Credit score Card vs. Capital One Enterprise Rewards Credit score Card

Amongst Capital One’s three main journey bank cards, the Capital One Enterprise X Rewards Credit score Card* and the Capital One Enterprise Rewards Credit score Card* are the 2 higher-end choices, charging a $395 and $95 annual price, respectively. 

The Enterprise X is significantly cheaper than different premium journey playing cards such because the Chase Sapphire Reserve® and The Platinum Card® from American Categorical. The Enterprise’s annual price is in keeping with different playing cards in its class, such because the Citi Strata Premier℠ Card.

Which Capital One journey card is finest for you’ll rely in your journey and spending habits. The Enterprise X is better-suited to frequent vacationers who’re prepared to e-book journeys by means of Capital One Journey, the corporate’s on-line reserving platform. Much less frequent vacationers searching for a card that may additionally serve to earn rewards on on a regular basis bills, will probably be higher off paying the Enterprise card’s decrease annual price.

Charges

Winner: Enterprise

With a $95 annual price, the fundamental Enterprise card provides a a lot decrease barrier to entry, making it a more sensible choice for much less frequent vacationers who can’t justify the Enterprise X’s $395 price with a purpose to benefit from its superior reward potential. 

Each playing cards supply no international transaction charges — normal for journey bank cards — in addition to no steadiness switch charges ($0 on the switch APR; 4% of the quantity of every transferred steadiness that posts to your account at a promotional APR that Capital One might supply to you). That famous, neither card provides an introductory APR interval, so we advocate selecting a distinct bank card for steadiness transfers.

For those who general desire an much more stripped-down model of the Enterprise playing cards with no annual price, try the Capital One VentureOne Rewards Credit score Card*.

Welcome bonus

Winner: Enterprise

Surprisingly, the Enterprise provides the higher welcome bonus: Take pleasure in $250 to make use of on Capital One Journey in your first cardholder yr, plus earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months of account opening. That’s equal to $1,000 in journey. The Enterprise X Rewards permits you 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. Each playing cards are aggressive with a few of the playing cards that populate our present record of the finest bank card welcome bonuses.

Together with the extra rewarding welcome bonus, the Enterprise’s significantly decrease annual price makes it the higher worth.

Rewards

Winner: Enterprise X

There’s no actual contest right here: The Enterprise X provides a way more invaluable rewards program. Right here’s how the 2 playing cards’ rewards stack up by buy kind:

Whether or not the Enterprise X’s edge justifies the annual price will probably be decided by your finances and journey habits.

Evaluating rewards

Journey perks

Winner: Enterprise X

Each playing cards function particular provides on Hertz automotive leases, and each will let you skip the rental counter line, however the Enterprise X provides cardholders President’s Circle Standing, which confers complimentary upgrades and a wider vary of vehicles to select from.

Word that the Enterprise X’s $300 annual journey credit score will get credited to your account after you spend $300 by means of Capital One Journey; different journey purchases don’t qualify.

Evaluating journey perks

Airport lounge entry

Winner: Enterprise X

As Capital One has been slowly increasing airport lounge choices for cardholders, the Enterprise X offers limitless complimentary entry to Capital One Lounges plus two complimentary visitors per go to. The catch? There’s solely three airport lounges at present open — at Dallas-Fort-Price (DFW), Denver (DEN) and Washington D.C.’s Dulles (IAD). 

As a comfort, Capital One offers cardholders with entry to companion lounges. The Enterprise X provides you entry to over 1,300 lounges worldwide, together with Precedence Move and Plaza Premium lounges.

The Enterprise Card provides considerably much less: Two complimentary passes to a Capital One Lounge (which ordinarily value $65 per go to) or any of greater than 100 lounges within the Plaza Premium assortment. It’s essential to use the passes by December 31, 2024 — efficient January 1, 2025, Enterprise Rewards cardholders will now not obtain complimentary lounge entry. 

How Capital One Enterprise X Rewards Credit score Card and Capital One Enterprise Rewards Credit score Card examine to different playing cards

 There are extra choices to select from than simply the Enterprise bank cards. Take into account the Chase Sapphire Most popular® Card in case you don’t wish to pay the Enterprise X’s excessive annual price, or in case you’re searching for a extra versatile and invaluable rewards program than the Enterprise.

The Chase Sapphire Most popular matches the annual price of the Enterprise Rewards card, and comes geared up with a 25% point-redemption bonus when redeeming for journey by means of Chase Journey℠. It additionally incorporates a 1:1 point-transfer charge to Chase’s journey companions.

CNET’S PICK

Intro Provide

75,000 miles

Earn 75,000 bonus miles whenever you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in journey

Annual price

$395

APR

19.99% – 29.99% (Variable)

Intro Buy APR

N/A

Really useful Credit score

A credit score rating is used to point an applicant’s credit score worthiness and will present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.

Wonderful

Rewards charge

2x
– 10x

10 Miles per greenback on accommodations and rental vehicles booked by means of Capital One Journey; 5 Miles per greenback on flights and trip leases booked by means of Capital One Journey; 2 Miles per greenback on each buy, every single day

Intro Provide

Earn 75,000 + $250 in Journey Credit score

Earn 75,000 miles when you spend $4,000 on purchases inside the first 3 months of account opening, plus obtain a one-time $250 Capital One Journey credit score in your first cardholder yr – that’s equal to $1,000 in journey

Annual price

$95

APR

19.99% – 29.99% (Variable)

Intro Buy APR

N/A

Really useful Credit score

A credit score rating is used to point an applicant’s credit score worthiness and will present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.

Good – Wonderful

Rewards charge

2x
– 5x

5 Miles per greenback on accommodations, trip leases and rental vehicles booked by means of Capital One Journey; 2 Miles per greenback on each buy, every single day

Intro Provide

60,000 bonus factors

Earn 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That’s $750 whenever you redeem by means of Chase Journey℠.

Annual price

$95

APR

21.49% – 28.49% Variable

Intro Buy APR

N/A

Really useful Credit score

A credit score rating is used to point an applicant’s credit score worthiness and will present steering about account eligibility. It doesn’t essentially assure approval for any monetary product.

Good – Wonderful

Rewards charge

1x
– 5x

5x on journey bought by means of Chase Journey℠.; 3x on eating, choose streaming providers and on-line groceries.; 2x on all different journey purchases.; 1x on all different purchases.

FAQs

*All details about the Capital One Enterprise Rewards Credit score Card, Capital One Enterprise X Rewards Credit score Card, and Capital One VentureOne Rewards Credit score Card has been collected independently by CNET and has not been reviewed by the issuer.