Is the Capital One Enterprise X definitely worth the annual charge?

The launch of the Capital One Enterprise X Rewards Credit score Card in 2021 disrupted the journey bank card trade and challenged titans resembling Chase and American Categorical. With its $395 annual charge (see charges and charges), the cardboard is priced decrease than a few of its opponents.

Two years later, how helpful is the Enterprise X, and is the annual charge nonetheless on par with advantages to proceed protecting the cardboard open for an additional 12 months?

Let’s take a look at what you get for this $395 per 12 months to see if the charge is value it on the Enterprise X card.

Welcome supply

New candidates for the Enterprise X can earn a 75,000 bonus Capital One miles after spending $4,000 on the cardboard inside the first three months from account opening.

In response to TPG’s valuations, these miles are value 1.85 cents apiece. That makes this bonus value $1,388.


The worth of those miles has elevated in recent times, because of Capital One including extra switch companions (18 in whole) and bettering the switch ratio on a number of companions. There are a lot of methods to redeem your miles for top worth.

It is value noting that Capital One could be stingy when approving bank card functions. You’ll be able to solely have two private bank cards from Capital One at any time. Plus, the financial institution is understood for being very delicate in regards to the info in your credit score report, together with your variety of latest onerous inquiries, new accounts and general accounts with different issuers.

Associated: Our full information to bank card utility restrictions

$300 annual credit score

Enterprise X cardholders obtain $300 in annual credit on bookings made by means of the Capital One Journey portal.

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The $300 annual credit score perk with Capital One Journey is easy. Each account 12 months, you obtain $300 in credit score towards purchases made by means of Capital One Journey, together with resort bookings, automobile leases and airfare.

Nevertheless, the credit score will not be relevant to journey purchases made by means of some other channel. Whereas that makes it extra restrictive than the annual $300 journey credit score accessible with the Chase Sapphire Reserve®, it’s nonetheless comparatively straightforward to make use of, and it considerably offsets the cardboard’s $395 charge (see charges and charges) — so long as you truly benefit from it.


There are some downsides to utilizing a third-party reserving service; notably, elite perks are normally not acknowledged for lodges and rental vehicles. Nevertheless, Capital One has made vital strides in bettering the journey reserving expertise, together with investing within the reserving platform Hopper and including customer-friendly options like price-drop prediction and a best-price assure.

Associated: How the Capital One Enterprise X journey credit score can prevent $300 in your subsequent journey

Anniversary bonus miles

Enterprise X cardholders have a second annual profit, which is 10,000 bonus miles in your account anniversary. This implies you obtain these miles one 12 months after opening your account and every subsequent 12 months on that date, not initially of a brand new 12 months every January.

In response to the most recent TPG valuations, 10,000 Capital One miles are value $185, because of the potential worth from airline and resort switch companions.

Mixed with the $300 Capital One Journey portal credit score, cardholders are taking a look at a minimal of $400 in worth from their card annually.

Associated: Who ought to (and should not) get the Capital One Enterprise X?

Lounge entry

Enterprise X cardholders have entry to 3 kinds of lounges: Precedence Move, Plaza Premium and Capital One’s personal lounges for themselves and as much as two friends.


Most notably, having the Enterprise X is the best option to get limitless entry to Capital One’s lounges. Presently, there are three places: Dallas Fort Price Worldwide Airport, Dulles Worldwide Airport and Denver Worldwide Airport. Plans for a future location in Las Vegas-Harry Reid Worldwide Airport (LAS) have been introduced, however we do not know the opening date but.

Cardholders additionally get limitless entry to lounges in Capital One’s companion community, together with greater than 1,300 Precedence Move lounges and over 130 Plaza Premium lounges.

A day go to a Capital One lounge ordinarily prices $65, so this perk’s worth rapidly provides as much as justify the cardboard’s annual charge.

Associated: Finest bank cards for lounge entry

Automotive rental perks

The Enterprise X has two key advantages associated to rental vehicles: incomes 10 miles per greenback on all automobile leases booked by means of the Capital One Journey portal (as an alternative of two miles per greenback when booked elsewhere) and top-tier Hertz President’s Circle standing.


You will must register for this perk with Hertz first. President’s Circle standing provides perks like assured upgrades, the widest alternative of vehicles when beginning your rental and a free further driver (which usually prices $13.50 per day, as much as a most of $189 throughout your rental).

Upon enrollment, accessible by means of the Capital One web site or cellular app, eligible cardholders will stay on the upgraded standing degree by means of December 31, 2024. Please word, enrolling by means of the conventional Hertz Gold Plus Rewards enrollment course of (e.g., at won’t mechanically detect a cardholder as being eligible for this system, and cardholders won’t be mechanically upgraded to the relevant standing tier. Extra phrases apply.

Associated: Stacking rental automobile perks with Hertz and the Enterprise X

Entry to luxurious resort applications

Enterprise X cardholders can entry the Capital One Premier Assortment and Life-style Assortment boutique and luxurious resort applications. Cardholders pays money or redeem their miles at a price of 1 cent every to guide unique properties and obtain perks alongside the way in which.

Advantages at Premier Assortment properties embody room upgrades when accessible, free Wi-Fi throughout your keep, free breakfast every day for 2 individuals and a $100 on-property credit score for issues like spa visits or dinner on the resort’s restaurant.

Life-style Assortment properties are largely boutique properties with advantages resembling a $50 expertise credit score to make use of towards rooftop drinks, signature resort eating places, room service or different actions, complimentary Wi-Fi, room upgrades (when accessible), in addition to early check-in and late checkout, when accessible.

And since these bookings are made by means of Capital One Journey, cardholders will earn 10 miles per greenback when paying for his or her stick with the Enterprise X card.

Associated: A comparability of luxurious resort applications from bank card issuers

Wonderful licensed person perks

Whereas many bank cards reserve their greatest perks just for the first account holder, that is not the case with the Enterprise X. Cardholders can have a number of free licensed customers. These customers can obtain the next perks in their very own proper, all with out paying a charge (see charges and charges):


When analyzing these advantages for licensed customers, examine them to the perks supplied to licensed customers on different premium journey playing cards and the related charges. For comparability, The Platinum Card® from American Categorical expenses $195 for every further Amex Platinum card (see charges and charges), and the Chase Sapphire Reserve expenses $75 per licensed person. This makes the Enterprise X a way more inexpensive choice for {couples} or households.

Associated: Why it is best to add licensed customers on the Capital One Enterprise X

Different perks

Enterprise X cardholders can obtain reimbursement for his or her utility charge to TSA PreCheck or International Entry. This profit is offered as soon as each 4 years and is value as much as $100 in assertion credit.

Cardholders even have entry to a number of journey and procuring protections when paying with their card:

  • Journey cancellation and interruption insurance coverage
  • Journey delay reimbursement: As much as $500 per particular person for cheap bills like resort rooms, meals, toiletries or garments when your flight is delayed in a single day or by six hours or extra.
  • Misplaced baggage reimbursement
  • Cellphone safety
  • Main rental automobile insurance coverage
  • Prolonged guarantee and return safety

*Advantages accessible on Visa Infinite playing cards.


For Capital One merchandise listed on this web page, among the above advantages are supplied by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

Associated: 6 issues to do whenever you get the Capital One Enterprise X

Backside line

The $300 annual credit score and 10,000-anniversary miles present $485 in worth annually, greater than justifying the cardboard’s $395 annual charge (see charges and charges). And this does not take into consideration the intangibles, like the worth your licensed customers would possibly obtain, the free meals you eat at lounges or the cash you save through buy protections.

After all, these advantages solely present worth if you happen to’re utilizing them. If you already know you will not be capable to maximize the advantages of the Enterprise X, you will probably wish to go for a unique card.

For extra particulars on the Enterprise X, learn our full card evaluation.

Study Extra: Capital One Enterprise X Rewards Credit score Card with a 75,000-mile welcome bonus after you spend $4,000 on the cardboard inside three months of account opening

For charges and charges of the Amex Platinum, click on right here.

For charges and charges of the Enterprise X, click on right here.

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