The Capital One Enterprise X Rewards Credit score Card is a luxurious journey bank card that competes with The Platinum Card® from American Specific and the Chase Sapphire Reserve®. One of these card is designed for frequent vacationers who can reap the benefits of travel-related perks like airport lounges, TSA Precheck or International Entry, and different journey upgrades and credit usually sufficient to make the excessive annual payment price it.

The Enterprise X is positioned as essentially the most inexpensive of those journey playing cards at a $395 annual payment. In the meantime, The Platinum Card and Sapphire Reserve cost $695 and $550, respectively. Regardless of the massive discrepancies, the Enterprise X provides a considerably comparable rewards program and welcome supply to the competitors. The main distinction in worth is fewer annual credit and extra restricted airport lounge entry with the Enterprise X. Just one Capital One Lounge is presently open, at Dallas-Fort Value airport. Two extra Capital One Lounges are slated to open in 2023 on the Denver Worldwide Airport and the Dulles Worldwide Airport.

One other caveat is that cardholders have to ebook their journey by means of the Capital One Journey portal to earn the headline charges, though you do have the choice to redeem rewards for any journey you ebook. In any other case, the Capital One Enterprise X provides a invaluable mixture of rewards for the best cardholder.

On this article

• Rewards and welcome bonus
• Journey perks
• Redemption choices
• Reserving journey by means of Capital One
• The way it compares to the competitors
• FAQs
• Our strategy to bank card analysis

Rewards and welcome bonus

As a premium journey bank card, the Capital One Enterprise X’s reward charges are according to what you’d count on — which is to say, they’re very excessive. Cardholders earn 5x miles on flights booked by means of Capital One Journey, 10x miles on inns and rental vehicles booked by means of Capital One Journey and 2x miles on all different purchases. Generally, miles are price about 1 cent apiece, however there are strategies to obtain larger redemption charges detailed within the subsequent part.

The welcome bonus provides 75,000 miles after spending $4,000 on purchases inside the first three months, equal to $750 in journey. 

Capital One additionally offers cardholders 10,000 miles yearly on their account anniversary, no questions requested. The 10,000-mile anniversary bonus alone is price $100.

Journey perks

You may get a $300 annual journey assertion credit score with this card, which may be utilized towards journey bookings by means of Capital One Journey. (Discover a theme, but? Capital One positively desires cardholders doing all of their journey reserving on the portal.) So along with as much as a $300 annual journey assertion credit score for bookings by means of Capital One Journey, you may primarily already be compensated for the $395 annual payment.

Capital One Enterprise X cardholders get limitless entry to Capital One airport lounges (there are plans to spend money on growing this program past the one lounge that exists now), complimentary membership to Precedence Go and its taking part lounges, in addition to as much as a $100 credit score on International Entry or TSA PreCheck if you use your Enterprise X card to pay for the appliance payment. 

Redemption choices

One of many methods to redeem miles is by making use of them as a press release credit score towards previous journey purchases. Word that these journey purchases do not must have been made by means of the Capital One Journey portal, providing you with the liberty to ebook journey nonetheless you need. One other approach to redeem miles is to make use of them to ebook new journey by means of the Capital One Journey portal. For each of those redemption choices, 100 miles might be price $1.

You may also redeem miles by transferring them to one of many 15+ Capital One journey companions, together with airways like British Airways, AirFrance-KLM and Etihad. Miles often switch at a charge of 1:1 (one Capital One mile equals one mile within the airline rewards program), and the worth of the rewards program miles will range. You may also redeem miles for present playing cards, though these sometimes yield decrease redemption values.

It is price noting that the Capital One journey companions do not embody any US home airways, although some companions — like British Airways and Avianca — do permit you to ebook on home airways like American Airways or Alaska Airways by means of their rewards packages, relying on reward-seat availability.

Reserving journey by means of Capital One

The Capital One Journey reserving software is much like any third-party reserving platform, permitting you to seek for fares throughout a number of airways and lodge chains, with an easy-to-use interface. It additionally has related execs and cons to any reserving software. You lose out on lodge rewards and should expertise extra issues than for those who have been to ebook instantly with an airline if one thing sudden comes up, however with the upside of simpler cut price searching and value comparisons.

Capital One has partnered with Hopper, an app that predicts when it is most inexpensive to ebook flights and inns. The Hopper integration appears to be like seamless and substantial, with clear notifications and tips about when it is best to ebook. 

The way it compares to the competitors

There are two playing cards that we expect customers ought to take into account earlier than signing up for the Capital One Enterprise X: The Platinum Card from American Specific and the Chase Sapphire Reserve.

The Platinum Card from American Specific 

The Platinum Card from American Specific has a $695 annual payment, practically double that of the Enterprise X. However for those who spend $6,000 in purchases inside your first six months of card membership, you earn 100,000 Membership Rewards® Factors. Amex Membership Rewards Factors are price 1 cent every when used to ebook flights by means of American Specific Journey, or a 0.6 cent assertion credit score redemption charge. By these measures, the Enterprise X has lesser welcome-bonus earnings to The Platinum Card in terms of redemption for journey. You additionally get three months extra to succeed in the spending threshold with The Platinum Card.

You may additionally earn 5x factors on flights booked with American Specific Journey or instantly with the airline (on as much as $500,000 on these purchases per calendar yr). You may also earn 5x factors on pay as you go inns booked with American Specific Journey and 1x factors on different purchases. Advantages additionally embody as much as a $189 annual assertion credit score for CLEAR®, as much as a $200 airline payment assertion credit score every calendar yr at one choose qualifying airline and as much as $200 in Uber Money yearly on U.S. rides and eats (as much as $15 monthly, plus a bonus $20 in December).

General, for those who’re keen to ebook all of your journey by means of American Specific, the welcome supply and rewards charges may very well be extra worthwhile for some, however for those who require flexibility in your journey reserving, Capital One Enterprise X is a greater possibility.

Phrases apply to American Specific advantages and provides. Enrollment could also be required for choose American Specific advantages and provides. Go to americanexpress.com to study extra.

Chase Sapphire Reserve

The Chase Sapphire Reserve has a $550 annual payment, a 60,000 level welcome bonus after spending $4,000 within the first three months from account opening (price $900 of journey booked by means of Chase Final Rewards) and provides as much as a $300 annual journey assertion credit score. Cardholders additionally earn 5x factors on flights booked by means of Chase Final Rewards, 10x on inns and rental vehicles booked by means of Chase Final Rewards, and 3x factors on different journey (earn elevated rewards on journey after you earn your $300 annual journey credit score). Plus, earn 3x factors on eating purchases and 1x factors on all different purchases. Final Rewards factors are price 1.5 cents apiece when redeemed towards journey purchases by means of Chase Final Rewards, elevating the ground worth considerably while not having to strategically switch the factors (cash-back redemption is valued at 1 cent per level).

The Enterprise X welcome bonus is much like that of the Sapphire Reserve, similar to the reward charges and credit are comparable. The principle benefit of the Sapphire Reserve is the power to get extra worth out of factors just by reserving by means of the Chase portal. 

General, the Capital One Enterprise X appears to have earned its seat on the premium journey desk.

FAQs

Our strategy to bank card analysis

We evaluation the playing cards which might be within the highest demand and supply the most effective advantages. We scour the nice print so there are not any surprises if you open an account. We discover the important thing elements that make a card stand out and examine them to different prime playing cards. That approach, readers can go for a special card with related options if our decide is not proper for them. Our evaluations are repeatedly checked and up to date to include new suggestions, in addition to to replicate modifications in provides and the market. 

The editorial content material on this web page is predicated solely on goal, impartial assessments by our writers and isn’t influenced by promoting or partnerships. It has not been supplied or commissioned by any third occasion. Nevertheless, we might obtain compensation if you click on on hyperlinks to services or products provided by our companions.

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