The Capital One Enterprise Rewards card is the OG of the financial institution’s “miles-based” choices. Over the previous couple of years, Capital One has vastly strengthened its switch companions, making this not solely a card that earns 2% in all places in the direction of journey, but additionally 2x in all places in transferable forex. Let’s take a more in-depth have a look at one in every of Capital One’s hottest playing cards.
Capital One Enterprise Rewards Present Welcome Provide
| Card Provide |
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Capital One Enterprise Rewards Credit score Card
ⓘ $1089 1st Yr Worth Estimate
75K Miles + as much as $200 in assertion credit
Earn 75,000 bonus miles after $4K spend in 3 months + as much as $200 in assertion credit once you make an Avelo buy in your first 12 months + precedence boarding on Avelo flights for the primary 12 months. (Charges & Charges)$95 Annual Payment
Details about this card has been collected independently by Frequent Miler. The issuer didn’t present the small print, neither is it answerable for their accuracy.
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Capital One Enterprise Rewards Evaluate
The Capital One Enterprise Rewards regularly provides enticing welcome provides in addition to a baseline incomes fee of two cents per greenback (when miles are redeemed for journey). It combines that base incomes with the flexibility to switch “miles” to lodge and airline companions. Nonetheless, it’s price allowing for that there are 2% money again playing cards with no annual price, in addition to playing cards (or mixtures of playing cards) with higher bonus classes. When you solely need to carry one card and don’t need a excessive annual price, the Enterprise Rewards would possibly provide simply sufficient flexibility to make it price contemplating.
- Annual Payment: $95
- Licensed Consumer Annual Payment: Free
- Overseas Transaction Payment: None
- What factors are price: The Capital One Enterprise Rewards card earns Capital One “Miles.” Our present Cheap Redemption Values pegs them at 1.45 cents every.
- Finest Use for Factors: Capital One Miles will be transferred to journey companions at a 1:1 ratio and it will normally yield probably the most worth. Our favourite lodge switch companion might be Wyndham Rewards, due to the terrific redemptions that may be had with Vacasa Trip Leases. Airline companions will be a wonderful worth as properly, and embody Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Avios and Turkish Miles and Smiles. Enterprise Rewards cardholders also can use miles to erase journey purchases or redeem them straight via the Capital One Journey Portal at 1 cent per level.
- Incomes Classes:
- 5X flights and resorts booked via Capital one Journey
- 2x in all places else
- Credit:
- $100 International Entry/TSA PreCheck (as soon as each 4 years)
- Further Perks:
- Capital One and Plaza Premium Lounge Entry: Cardholders stand up to 2 visits per 12 months at Capital One Lounges or to a subset of Plaza Premium Lounges.
- Premier Assortment: Get entry to Capital One’s “premium lodge assortment. When reserving via Capital One, get a $50 expertise credit score, day by day breakfast for 2 and different advantages (see phrases and checklist of properties right here).
- Journey Protections:
- Auto Rental Protection: Secondary auto rental CDW (collision injury waiver). Because of this, when you have legitimate private insurance coverage, incidents might be processed via that first. Gives reimbursement for theft and collision injury for rental automobiles within the U.S. and overseas.
- Journey Accident Insurance coverage: Unintentional loss of life or dismemberment protection of as much as $250,000.
- Buy Protections:
- Prolonged Guarantee: One extra 12 months, on eligible warranties of three years or much less (US warranties solely).
- Who’s this card for? People that need a low annual price, flexibility with factors and don’t need to cope with a number of playing cards.
- Is the Capital One Enterprise Rewards a keeper? If you’re in search of a easy one-card answer that gives an honest return on on a regular basis purchases, it might be. For me, the Enterprise X, albeit with a better annual price, is a greater keeper card inside the Capital One ecosystem.
Capital One Enterprise Rewards Execs and Cons
Execs
- Earns 2x in all places
- Usually has the very best welcome provide of the Capital One miles-earning playing cards
- Good number of switch companions
- Miles will be shared throughout playing cards and cardholders
- Unusually for a $95 card, supplies 2 free lounge visits per 12 months
- Factors will be redeemed at 1 cents every for journey for those who don’t need to trouble with transferring to companions (though, as a rule, we don’t suggest doing it)
Cons
- Exterior of Capital One Journey, no bonus classes
- Could be troublesome to get approvals for a number of Capital One playing cards
- Transfers to Alternative Privileges at 1/2 the speed of Citi
- Some of us gained’t like the shortage of home airline switch companions
Capital One Switch Companions
| Rewards Program | Capital One Switch Ratio | Finest Makes use of |
|---|---|---|
| Accor Dwell Limitless | 1000 to 500 | Use to pay lodge invoice with worth of two Euro cents per level. In some instances (similar to lodge to airline switch bonuses) it could make sense to transform Accor factors to the next airline miles at a 1 to 1 ratio: Finnair, Iberia, Qantas, or Virgin Australia |
| Aer Lingus Avios | 1 to 1 through BA | Gasoline surcharges are typically decrease when reserving with Aer Lingus (Avios.com) somewhat than British Airways, Qatar, or Iberia. It is potential to maneuver factors (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See additionally: Avios Candy Spots for Award Tickets. |
| AeroMexico ClubPremier | 1 to 1 | AeroMexico is a SkyTeam companion. Membership Premier factors can be utilized to e book flights on AeroMexico, SkyTeam alliance members (similar to Delta or Korean Air), or on choose companion airways. Sadly many have reported that awards are extraordinarily troublesome to e book via AeroMexico so we don’t suggest transferring factors to this program. If you wish to fly AeroMexico, look to switch factors to a different SkyTeam companion (similar to Air France) after which e book AeroMexico with that program. |
| Air Canada Aeroplan | 1 to 1 | Redeem for Star Alliance flights and/or flights with Air Canada companions (similar to Etihad). No gasoline surcharges; $39 CAD award reserving price; 5,000 factors so as to add stopover on one-way award. See: Air Canada Aeroplan: All the pieces it’s good to know. |
| Air France KLM Flying Blue | 1 to 1 | Month-to-month Air France Promo Awards typically characterize superb worth. Air France miles can be utilized to e book Sky Staff awards, together with Delta awards. Air France typically provides superb enterprise class award pricing between the US and Europe & Israel. |
| Avianca LifeMiles | 1 to 1 | Avianca LifeMiles will be nice for Star Alliance awards. They provide affordable award costs and no gasoline surcharges on awards. In addition they provide shorthaul awards inside the US (for flying United, for instance) for as few as 7,500 miles one-way. Better of all, their mixed-cabin pricing can result in incredible first-class award costs. See this submit for particulars. |
| British Airways Avios | 1 to 1 | Whereas flights on British Airways itself typically incur outrageously excessive gasoline surcharges, many BA companions cost low or no gasoline surcharges. Glorious worth will be had in redeeming BA factors for brief distance flights. It is potential to maneuver factors (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See additionally: Avios Candy Spots for Award Tickets. |
| Cathay Pacific Asia Miles | 1 to 1 | Cathay Pacific has an honest distance primarily based award chart, however they not enable stopovers longer than 24 hours. Cathay Pacific Asia Miles generally is a good choice for reserving American Airways flights with a distance primarily based award chart, particularly if different OneWorld Alliance miles aren’t obtainable. For lengthy distance flights, it’s potential to scale back the price of a premium cabin award by including on a decrease cabin section. See this submit for particulars. |
| Alternative | 1 to 1 | Alternative Privileges factors appear to be randomly invaluable inside the US, however dependably invaluable internationally in costly areas similar to Scandinavia and Japan. Factors can typically provide nice worth when used in the direction of collaborating Most popular Inns of the World. |
| Emirates Skywards | 1 to 1 | The most effective use of Emirates miles has been to fly Emirates itself. Sadly gasoline surcharges will be steep. See: Emirates Candy Spot Awards – Top quality from 30K miles spherical journey. |
| Etihad Visitor | 1 to 1 | Etihad provides a distance primarily based award chart for flying Etihad and one other for its companions. Factors could provide good worth for costly however short-distance flights. |
| EVA Air Infinity MileageLands | 1000 to 750 | If you wish to fly among the finest enterprise class merchandise within the sky, one of the simplest ways to snag EVA flights is with their very own miles since they launch extra award area to their very own members. One-way enterprise class flights from the US to Taipei price 75K to 80K miles. Gasoline surcharges are very low on these routes. |
| Finnair Plus+ | 1 to 1 | Award costs are fairly excessive in comparison with competing packages. Curiously, miles will be exchanged for tier factors (in the direction of elite standing). |
| Iberia Avios | 1 to 1 through BA | Iberia provides very low award costs on their very own flights and a really affordable 25 Euro cancellation price. Companion awards can provide good worth beneath some circumstances as properly, however these are normally nonrefundable. Gasoline surcharges are typically decrease when reserving with Iberia somewhat than British Airways, Aer Lingus, or Qatar. It is potential to maneuver factors (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See additionally: Avios Candy Spots for Award Tickets. |
| Qantas Frequent Flyer | 1 to 1 | Finest use might be for flights on El Al with no gasoline surcharges. Additionally helpful for brief AA flights. Qantas provides distance primarily based award charts much like Cathay Pacific. Each are OneWorld Alliance members. I like to recommend evaluating award costs throughout each packages earlier than transferring to both. Qantas provides around the world enterprise class awards for less than 280,000 factors (however with many restrictions) |
| Qatar Privilege Membership Avios | 1 to 1 through BA | Qatar has affordable award costs for flying Qatar itself. Factors at the moment are transferable 1 to 1 to British Airways (and from there to Aer Lingus or Iberia) |
| Singapore Airways KrisFlyer | 1 to 1 | Use to e book Singapore Airways First Class awards (usually reserved for their very own members), Alaska Airways financial system awards, or for Star Alliance awards (together with United Airways). |
| TAP Air Portugal | 1 to 1 | |
| Turkish Airways Miles & Smiles | 1 to 1 | Miles & Smiles provides plenty of superior sweet-spot awards together with 7.5K one-way wherever inside the US, even to Hawaii. Many awards can’t be booked on-line however will be booked through telephone or e mail. See: Turkish Miles & Smiles Full Information and Turkish enterprise class candy spots from the US. |
| Virgin Atlantic Flying Membership | 1 to 1 | Virgin Atlantic provides just a few nice candy spot awards together with US to Europe on Delta One enterprise class for 50K factors one-way. See: Finest makes use of for Virgin Atlantic factors (Candy Spot Highlight). |
| Wyndham | 1 to 1 | Wyndham typically permits reserving multi-room suites for a similar worth as a regular room. It is typically potential to get nice worth from factors in that means. Bonus: award nights will not be topic to resort charges. Moreover, you possibly can e book Vacasa trip leases for less than 15K factors per room per night time. Wyndham Earner playing cards provide automated 10% low cost on award stays. |
Associated Playing cards
Capital One Shopper Playing cards
| Card Provide and Particulars |
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Capital One VentureOne Rewards Credit score Card
ⓘ $284 1st Yr Worth Estimate
20K miles
Earn 20,000 bonus miles when you spend $500 on purchases inside the first 3 months from account opening. (Charges & Charges)No Annual Payment
FM Mini Evaluate: Respectable welcome bonus for a fee-free card, however different playing cards provide higher rewards for ongoing spend.
Incomes fee: 1.25X miles in all places ⚬ 5X miles on resorts and rental automobiles booked through Capital One Journey
Base: 1.25X (1.81%)
Journey: 5X (7.25%)
Different: 5X (7.25%)
Card Kind: Mastercard
Noteworthy perks: Redeem miles for journey at worth of 1 cent per mile ⚬ Convert “miles” to airline miles & lodge factors ⚬ No overseas transaction charges
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Capital One Enterprise Rewards Credit score Card
ⓘ $1089 1st Yr Worth Estimate
75K Miles + as much as $200 in assertion credit
Earn 75,000 bonus miles after $4K spend in 3 months + as much as $200 in assertion credit once you make an Avelo buy in your first 12 months + precedence boarding on Avelo flights for the primary 12 months. (Charges & Charges)$95 Annual Payment
Details about this card has been collected independently by Frequent Miler. The issuer didn’t present the small print, neither is it answerable for their accuracy.
FM Mini Evaluate: This card earns 2 “miles” per greenback, that are price precisely 1 cent every towards journey. This makes the return on spend much like a 2% money again card (although on this case you need to redeem your miles to offset journey so as to get 1 cent per mile). One huge benefit over money again: Capital One permits transfering their “miles” to airline miles & lodge factors.
Incomes fee: 2X miles in all places ⚬ 5X miles on resorts and rental automobiles booked through Capital One Journey
Base: 2X (2.9%)
Journey: 5X (7.25%)
Different: 5X (7.25%)
Card Kind: Visa Signature
Noteworthy perks: Obtain as much as $100 utility price credit score for International Entry or TSA PreCheck® ⚬ Redeem miles for journey at worth of 1 cent per mile ⚬ Convert “miles” to airline miles & lodge factors ⚬ No overseas transaction charges ⚬ 2 complimentary visits per 12 months to Capital One or Plaza Premium Lounges
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Capital One Enterprise X Rewards Credit score Card
ⓘ $1161 1st Yr Worth Estimate
90K Miles
This provide is out there solely by referral and isn’t obtainable via Frequent Miler. For more information, see this submit by Physician of Credit score.$395 Annual Payment
Details about this card has been collected independently by Frequent Miler. The issuer didn’t present the small print, neither is it answerable for their accuracy.
Latest higher provide: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit score for trip rental spend in first 12 months
FM Mini Evaluate: This card provides annual rebates that simply mitigate the price for many who journey typically. Licensed customers are free and likewise get entry to perks like Precedence Cross, Capital One Lounges, Plaza Premium lounges, and extra. The cardboard earns 2 “miles” per greenback on most purchases identical to the Capital One Enterprise Rewards card, that are price precisely 1 cent every towards journey. This makes the return on most spend much like a 2% money again card (although on this case you need to redeem your miles to offset journey so as to get 1 cent per mile). One large benefit over money again: Capital One permits transfering their “miles” to airline miles & lodge factors.
Incomes fee: 10X miles on resorts and rental automobiles booked through Capital One Journey ⚬ 5x miles on flights booked through Capital One journey. ⚬ 2X miles in all places else.
Base: 2X (2.9%)
Journey: 10X (14.5%)
Different: 10X (14.5%)
Card Kind: Visa Infinite
Noteworthy perks: $300 annual credit score for bookings made via Capital One Journey ⚬ 10,000 bonus miles every year beginning at first anniversary ⚬ As much as $100 utility price credit score for International Entry or TSA PreCheck® ⚬ Precedence Cross membership w/ limitless visitors (lounges solely) ⚬ Plaza Premium lounge entry ⚬ Mobile phone insurance coverage ⚬ Journey insurance coverage ⚬ Major CDW protection ⚬ Redeem miles for journey at worth of 1 cent per mile ⚬ Convert “miles” to airline miles & lodge factors ⚬ No overseas transaction charges
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Capital One Enterprise Playing cards
| Card Provide and Particulars |
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Capital One Spark Miles for Enterprise
ⓘ $721 1st Yr Worth Estimate
50K Miles
Earn a one-time 50K miles bonus once you spend $4,500 within the first 3 months. (Charges & Charges)$0 introductory annual price for the primary 12 months, then $95
Word: Most Capital One Enterprise bank cards (together with this one) DO rely in opposition to Chase’s 5/24 Rule
FM Mini Evaluate: This card is much like the Spark Money Plus card, nevertheless it has the benefit that “miles” earned with this card will be transferred to numerous airline & lodge packages.
Incomes fee: 2X Miles in all places ⚬ Earn 5X miles on lodge and rental automobile
bookings via Capital One Journey Base: 2X (2.9%)
Journey: 5X (7.25%)
Card Kind: Mastercard
Noteworthy perks: Redeem miles for journey at worth of 1 cent per mile ⚬ Convert “miles” to airline miles & lodge factors ⚬ No overseas transaction charges ⚬ Payment credit score for both $85 TSA Pre✓® utility price or $100 International Entry utility price
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Capital One Spark Miles Choose Enterprise Credit score Card
ⓘ $688 1st Yr Worth Estimate
50K Miles
50K after $4,500 spend in 3 months from account openingNo Annual Payment
Word: Most Capital One Enterprise bank cards (together with this one) DO rely in opposition to Chase’s 5/24 Rule
Details about this card has been collected independently by Frequent Miler. The issuer didn’t present the small print, neither is it answerable for their accuracy.
FM Mini Evaluate: This card is much like the Spark Money Choose for Enterprise, however rewards are meant for use to offset journey purchases. This can be a good choice for enterprise homeowners preferring easy rewards with no annual price, and who worth free journey over money again. When you spend greater than $19K per 12 months, although, go for the 2X Spark Miles card.
Incomes fee: 1.5X miles in all places ⚬ Earn 5X miles on lodge and rental automobile bookings via Capital One Journey
Base: 1.5X (2.18%)
Journey: 5X (7.25%)
Card Kind: Mastercard
Noteworthy perks: Redeem miles for journey at worth of 1 cent per mile ⚬ Convert “miles” to airline miles & lodge factors ⚬ No overseas transaction charges
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Capital One Enterprise X Enterprise Card
ⓘ $2005 1st Yr Worth Estimate
150K Miles
Earn 150K miles after $30K spend within the first 3 months$395 Annual Payment
Details about this card has been collected independently by Frequent Miler. The issuer didn’t present the small print, neither is it answerable for their accuracy.
Latest higher provide: Expired 3/31/23: 250K Miles after $50K in spend.
FM Mini Evaluate: Just like the Enterprise X shopper card, the enterprise model provides annual rebates that simply mitigate the price for many who journey typically and might be price it for the lounge entry and journey protections given the price/profit ratio. In contrast to the Enterprise X, free approved customers don’t get Precedence Cross entry. The cardboard earns 2 “miles” per greenback on most purchases identical to the Capital One Enterprise X Rewards card, that are price precisely 1 cent every towards journey. This makes the return on most spend much like a 2% money again card (although on this case you need to redeem your miles to offset journey so as to get 1 cent per mile). One huge benefit over money again: Capital One permits transfering their “miles” to airline miles & lodge factors.
Incomes fee: 10X miles on resorts and rental automobiles booked through Capital One Journey ⚬ 5x on flights booked through Capital One journey. ⚬ 2X in all places else.
Base: 2X (2.9%)
Journey: 10X (14.5%)
Different: 10X (14.5%)
Card Kind: Mastercard
Noteworthy perks: $300 annual credit score for bookings made via Capital One Journey ⚬ 10,000 bonus miles beginning at first anniversary ⚬ As much as $100 utility price credit score for International Entry or TSA PreCheck® ⚬ Precedence Cross w/ limitless visitors (contains eating places) ⚬ Plaza Premium lounge entry ⚬ Mobile phone insurance coverage ⚬ Journey insurance coverage ⚬ Major CDW protection ⚬ Redeem miles for journey at 1 cent per mile ⚬ Convert “miles” to airline miles & lodge factors ⚬ No overseas transaction charges
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