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The Capital One Enterprise Rewards Credit score Card gives nice worth to occasional vacationers who wish to maximize the miles they earn. This card incorporates a $95 annual payment (see charges and charges) and earns 2 miles per greenback on all purchases.
Its flashier sibling, the $395-annual-fee Capital One Enterprise X Rewards Credit score Card (see charges and charges), provides an enhanced journey expertise to compete with different premium merchandise like The Platinum Card® from American Specific and the Chase Sapphire Reserve®.
If you happen to don’t carry both card — the Enterprise Rewards or the Enterprise X — you might surprise: Must you apply for the well-established, crowd-pleasing Enterprise Rewards or go premium with the luxe Enterprise X?
Let’s study each playing cards that will help you resolve which Capital One card is your best choice.
Capital One Enterprise Rewards vs. Capital One Enterprise X comparability
| Card | Capital One Enterprise X | Capital One Enterprise Rewards |
| Annual payment | $395 (see charges and charges) | $95 (see charges and charges) |
| Welcome provide | Earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. | Earn a $250 Capital One Journey credit score within the first cardholder yr. Plus, earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening. |
| Incomes charges |
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| Different advantages |
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| International transaction charges | None (see charges and charges) | None (see charges and charges) |
Capital One Enterprise Rewards vs. Capital One Enterprise X welcome provide
The Enterprise Rewards at the moment provides a $250 Capital One Journey credit score to new candidates within the first cardholder yr. Plus, earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.
The Enterprise X provides new cardmembers 75,000 bonus miles after they spend $4,000 within the first three months of account opening.
The Enterprise Rewards provide is valued at $1,638, primarily based on TPG’s July 2024 valuations, when including collectively the worth of the bonus miles and the Capital One Journey credit score.
In the meantime, the Enterprise X provide is price $1,388 primarily based on TPG’s valuations, so that you’ll get unimaginable worth from the bonus irrespective of which card you select.
Winner: Enterprise Rewards. The provide of a journey credit score for a similar spending requirement because the Enterprise X makes its welcome provide extra beneficial.
Associated: The way to redeem 75,000 Capital One miles for max worth
Capital One Enterprise Rewards vs. Capital One Enterprise X advantages
With the Enterprise Rewards, you’ll rise up to a $100 credit score for TSA PreCheck or World Entry as soon as, in addition to rental automobile and journey accident insurance coverage, prolonged guarantee safety and entry to Capital One’s Way of life Assortment of accommodations and Capital One Leisure.
Conversely, the Enterprise X has a stronger listing of advantages that greater than justify its larger annual payment in the event you can maximize them.
As a cardholder, you’ll get a $300 annual credit score for bookings made by Capital One Journey and complimentary entry to Capital One and Plaza Premium lounges for you and as much as two visitors. You’ll additionally get a Precedence Go lounge membership to over 1,300 areas for you and limitless visitors (topic to capability).
You’ll additionally obtain 10,000 bonus miles, price $185 in response to TPG valuations, at every cardholder anniversary, together with entry to Capital One’s Way of life Assortment and the luxurious Premier Assortment of accommodations, journey protections, prolonged guarantee safety and cellphone safety.
An extra advantage of the Enterprise X is which you could add a restricted variety of approved customers for no extra payment (see charges and charges). These approved customers take pleasure in the identical airport lounge entry as the principle cardholder, together with complimentary entry for themselves and visitors.
Winner: Enterprise X. Because the extra premium card providing, it has a way more strong listing of advantages than the Enterprise Rewards.
Associated: Is the Enterprise X price its annual payment?
Incomes miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
Each the Enterprise Rewards and the Enterprise X earn bonus miles on journey booked by Capital One Journey and a pair of miles per greenback on all different purchases. Each playing cards additionally earn 5 miles per greenback on Capital One Leisure purchases by Dec. 31, 2025.
With the Enterprise Rewards, you’ll earn 5 miles per greenback on accommodations and rental automobiles booked by Capital One Journey. You probably have the Enterprise X, nevertheless, you’ll earn 10 miles per greenback on accommodations and rental automobiles booked by Capital One Journey and 5 miles per greenback on flights booked by the identical portal.
Winner: Enterprise X. It earns twice the miles because the Enterprise Rewards on accommodations and rental automobiles booked by Capital One Journey. The Enterprise X additionally earns bonus miles on flights booked by Capital One Journey, whereas the Enterprise Rewards doesn’t.
Associated: 6 straightforward methods I exploit to earn over 500,000 factors and miles a yr
Redeeming miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
Each the Enterprise Rewards and the Enterprise X earn Capital One miles and provide the identical redemption choices.
You’ll get probably the most worth by transferring your miles to one in every of Capital One’s journey companions, however you can even redeem them for a assertion credit score to cowl journey purchases or present playing cards at a flat charge of 1 cent per mile.
Each playing cards will let you redeem your miles for money again, however you’ll get a a lot decrease charge of 0.5 cents per mile, so we suggest avoiding this selection every time potential.
Winner: Tie. Each playing cards provide the identical choices to redeem your miles.
Associated: Must you redeem your miles instantly for journey or switch them to companions?
Transferring miles with the Capital One Enterprise Rewards vs. Capital One Enterprise X
Among the finest issues about each the Enterprise Rewards and the Enterprise X is that they will let you switch your miles to any of Capital One’s 15-plus lodge and airline companions, together with beneficial choices like Air France-KLM Flying Blue, British Airways Government Membership and Turkish Airways Miles&Smiles.
And in the event you can make the most of a switch bonus, you’ll get much more worth out of your miles. For example, TPG factors and miles senior author Ben Smithson will get good worth from his miles by transferring them to Air Canada Aeroplan and Flying Blue.
Winner: Tie. Each the Enterprise Rewards and Enterprise X switch to the identical companions on the identical charges.
Associated: The way to redeem Capital One miles for max worth
Ought to I get the Capital One Enterprise Rewards or Capital One Enterprise X?
If you happen to’re targeted on retaining your annual payment prices low, go along with the Enterprise Rewards. You’ll get a powerful incomes charge, the power to make the most of Capital One’s switch companions and a few journey advantages for only a $95 annual payment (see charges and charges). Nevertheless, if you would like airport lounge entry and might maximize its $300 annual credit score, the Enterprise X is the higher selection.
Associated: Who ought to (and shouldn’t) get the Enterprise X
The way to improve from the Capital One Enterprise Rewards to the Capital One Enterprise X
If you have already got the Enterprise Rewards and wish to improve to the Enterprise X, you may name the quantity on the again of your card and request a product change. You received’t be capable to make the most of your new card’s welcome provide by going this route, however it’s a great way to get extra advantages with out worrying about eligibility.
Associated: How Enterprise X saved me over $6,000 on a summer time journey to France
Backside line
Each the Enterprise Rewards and the Enterprise X are glorious journey rewards playing cards that earn bonus factors on Capital One Journey purchases and a pair of miles per greenback on all different purchases.
The Enterprise X is a good card for individuals who can make the most of its airport lounge entry and annual credit score, whereas the Enterprise Rewards is a greater match for anybody seeking to preserve their annual payment prices low. No matter which card you select, you’ll get stable journey advantages and earn beneficial transferable rewards.
To be taught extra, learn our full evaluations of the Enterprise Rewards and Enterprise X.
Be taught extra: Capital One Enterprise
Be taught extra: Capital One Enterprise X
Associated: The way to choose the precise journey bank card for you
For Capital One merchandise listed on this web page, among the advantages could also be supplied by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
