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 charge, respectively. 

The Enterprise X is significantly inexpensive than different premium journey playing cards such because the Chase Sapphire Reserve® and The Platinum Card® from American Specific. The Enterprise’s annual charge is according to different playing cards in its class, such because the Chase Sapphire Most popular® Card and Citi Premier® Card.

Which Capital One journey card is greatest 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 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 charge. 

Charges

Winner: Enterprise

With a $95 annual charge, the essential Enterprise card provides a a lot decrease barrier to entry, making it a better option for much less frequent vacationers who cannot justify the Enterprise X’s $395 charge in an effort to reap the benefits of its superior reward potential. 

Each playing cards provide no overseas transaction charges — normal for journey bank cards — in addition to no stability switch charges. That famous, neither card provides an introductory APR interval, so we advocate selecting a unique bank card for stability transfers.

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

Welcome bonus

Winner: Tie

Surprisingly, the Enterprise X and Enterprise provide the very same welcome bonus: 75,000 bonus miles while you spend $4,000 within the first three months, which is price $750 in journey. This makes each playing cards  aggressive with among the playing cards that populate our present record of the greatest bank card welcome bonuses.

Although the welcome bonuses are the identical, the Enterprise’s significantly decrease annual charge makes it the higher worth.

Rewards

Winner: Enterprise X

There is not any actual contest right here: The Enterprise X provides a way more priceless rewards program. Here is how the 2 playing cards’ rewards stack up by buy sort:

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

Journey perks

Winner: Enterprise X

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

Observe that the Enterprise X’s $300 annual journey credit score will get credited to your account after you spend $300 by Capital One Journey; different journey purchases do not qualify.

Airport lounge entry

Winner: Enterprise X

As Capital One has been slowly increasing airport lounge choices for cardholders, the Enterprise X supplies limitless complimentary entry to Capital One Lounges plus two complimentary company per go to. The catch? There’s just one lounge at the moment open — at Dallas-Fort-Price (DFW) airport. Observe that Capital One has introduced plans to open two extra lounges, in Denver (DEN) and Washington, D.C. (IAD), however has not but revealed opening dates. 

As a comfort, Capital One supplies cardholders with entry to associate lounges. The Enterprise X offers you entry to over 1,400 lounges worldwide, together with Precedence Cross and Plaza Premium lounges.

The Enterprise Card provides much less: Two complimentary passes per yr to a Capital One Lounge (which ordinarily value $65 per go to) or any of greater than 100 lounges within the Plaza Premium assortment.

The underside line

The Enterprise X is a stable alternative in case you are a frequent traveler who can rack up sufficient rewards to compensate for the numerous annual charge. And the Enterprise provides first rate worth for much less frequent vacationers.

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