Capital One Enterprise X Card: 14 Causes To Apply

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Hyperlink: Apply now for the Capital One Enterprise X Rewards Credit score Card (Charges & Charges)

The Capital One Enterprise X has rapidly grow to be one of the well-liked premium bank cards. Whereas the cardboard has a $395 annual payment (Charges & Charges), that payment is extraordinarily simple to justify, because of the superb perks, enormous bonus, and nice return on spending.

Whereas I’ve written an in depth overview of this card, on this put up I wished to share 14 causes it is best to apply for the Capital One Enterprise X.

Welcome bonus of 75,000 Capital One miles

The Capital One Enterprise X is providing a superb welcome bonus of 75,000 miles after spending $4,000 on purchases inside the first three months. Personally I worth Capital One miles at 1.7 cents every, so to me 75,000 miles are value ~$1,275, which is an outstanding bonus.

See this put up for Enterprise X software suggestions & tips. Notice that you simply’re eligible for this card (together with the bonus) even you probably have the Capital One Enterprise Rewards Credit score Card (overview) (Charges & Charges).

Redeem 75K Capital One miles for nice flight experiences

2x Capital One miles on on a regular basis spending

The Capital One Enterprise X provides limitless 2x miles on all purchases, making this among the best playing cards for on a regular basis spending. I worth Capital One miles at 1.7 cents every, so to me that’s the equal of a 3.4% return on on a regular basis spending. That is the cardboard that I spend essentially the most cash on these days.

Along with incomes 2x miles on all purchases, the cardboard additionally provides some bonuses:

  • Earn 10x miles for rental automobiles and accommodations booked by means of Capital One Journey
  • Earn 5x miles for flights booked by means of Capital One Journey
Rewards rack up rapidly if you earn 2x miles

No international transaction charges

The Capital One Enterprise X has no international transaction charges (Charges & Charges). Whereas that’s anticipated for a premium card, I feel that’s particularly value calling out, given the cardboard’s in any other case wonderful return on spending. I think about this to be the one finest card to make use of for purchases overseas.

A versatile & worthwhile mileage forex

Capital One miles have grow to be more and more worthwhile lately, and there are many nice methods to redeem these miles. Whilst you can redeem Capital One miles for one cent every towards just about any buy, that’s not my most well-liked use of those miles.

Fairly my desire is to switch miles to Capital One’s airline & resort companions, as you possibly can switch miles at a 1:1 ratio to over a dozen companions. As is the case with all main transferable factors currencies, this lets you get approach outsized worth, particularly when redeeming for first & enterprise class journey.

Switch Capital One miles to Emirates Skywards for firstclass journey

$300 annual Capital One Journey credit score

The Capital One Enterprise X provides a $300 credit score for Capital One Journey each cardmember yr, which can be utilized for flights, accommodations, rental automobiles, and so on. Personally my technique is to simply guide a $300+ flight by means of the portal yearly, and that’s a simple option to recoup the complete worth of that.

As talked about above, the cardboard has a $395 annual payment (Charges & Charges), however that $300 credit score alone ought to simply offset greater than 75% of that payment, which is superior. So whereas the cardboard’s annual payment may appear excessive on the floor, it shouldn’t actually be costing anybody all that a lot to carry onto.

Redeem the $300 journey credit score towards the price of a flight

Anniversary 10,000 Enterprise bonus miles

Not solely does the Capital One Enterprise X supply a $300 credit score each cardmember yr, but it surely additionally provides 10,000 miles in your account anniversary yearly. Personally I worth these 10,000 miles at ~$170, which means your annual payment is greater than coated between these two perks alone.

Precedence Go membership

The Capital One Enterprise X provides a Precedence Go membership, which will get you entry to the world’s largest community of airport lounges, with 1,300+ places world wide. You possibly can convey as much as two friends with you into lounges at no additional value. This is likely one of the finest bank cards for a Precedence Go membership.

Entry 1,300+ lounges worldwide with Precedence Go

Plaza Premium Lounge entry

The Capital One Enterprise X additionally provides entry to 100+ Plaza Premium Lounges world wide, together with Virgin Atlantic Clubhouses in the USA. Whereas Precedence Go now provides entry to many Plaza Premium Lounges, there are nonetheless some lounges solely accessible by means of Plaza Premium, so there’s worth to this.

Entry 100+ Plaza Premium Lounges

Capital One Lounge entry

The Capital One Enterprise X provides limitless entry to Capital One Lounges, with the power to convey two friends with you at no additional value. At present Capital One has three lounges, together with in Dallas (DFW), Denver (DEN), and Washington (IAD), with extra places anticipated sooner or later. These are implausible lounges, among the many finest in the USA, so getting access to Capital One Lounges is a deal with.

The Capital One Lounge DFW is superb

Hertz President’s Circle standing

The Capital One Enterprise X provides Hertz President’s Circle standing for so long as you’re cardmember. This standing with Hertz comes with perks like with the ability to skip the counter, assured upgrades, free extra drivers, and extra. Rental automotive elite standing like this actually takes the ache out of the standard rental automotive expertise.

Get automotive upgrades as a Hertz President’s Circle member

International Entry or TSA PreCheck credit score

The Capital One Enterprise X provides a TSA PreCheck or International Entry credit score as soon as each 4 years. Simply cost the enrollment payment to your card, and it’ll mechanically be reimbursed. Even when you have already got International Entry or TSA PreCheck, you possibly can all the time use this for another person, so long as your card is used to pay.

Get a International Entry or TSA PreCheck credit score

Unmatched approved consumer perks

The Capital One Enterprise X permits you to add as much as 4 approved customers to the cardboard at no additional value (Charges & Charges), and so they obtain some unbelievably beneficiant perks, together with:

  • A Precedence Go membership
  • Entry to Plaza Premium Lounges
  • Entry to the Capital One Lounges
  • Hertz President’s Circle elite standing

In every case, the phrases related to entry are the identical as for the first cardmember, so that really is extra beneficiant than you’ll discover with nearly another card. That makes this the best card for households.

Approved customers get superior perks as properly

Cellular phone safety

The Capital One Enterprise X provides a cellphone safety plan. Simply pay your month-to-month invoice with the cardboard, and also you’ll be protected in case your cellphone is stolen or broken, minus a $50 deductible. Given how costly smartphones are these days, it is a nice perk, and the Enterprise X provides among the many finest protection of any card.

Get cellphone safety with the cardboard

Rental automotive & journey safety

When contemplating a premium credit score, I like to recommend getting one that provides worthwhile journey protection, since that may turn out to be useful if you least anticipate it. The Capital One Enterprise X provides:

  • Rental automotive protection, the place you obtain protection if you happen to decline the collision harm waiver provided by the rental automotive firm, and pay the complete worth of the rental automotive along with your card
  • Journey delay reimbursement, the place you may be reimbursed for as much as $500 for affordable bills when your flight is delayed by greater than six hours
  • Misplaced baggage reimbursement, the place in case your bag is misplaced, you may be reimbursed

Backside line

If there’s such a factor as a bank card that’s too good to be true, I’d say the Capital One Enterprise X is it. The best way I view it, the cardboard’s $395 annual payment (Charges & Charges) is greater than offset by the $300 annual credit score plus 10,000 anniversary bonus miles.

You’re then left with a card providing an enormous new cardmember bonus, an industry-leading return on spending, a tremendous lounge entry program (Precedence Go, Plaza Premium, and Capital One Lounges), journey protection, cellphone safety, and extra. To prime all of it off, you even get lounge entry for 4 approved customers at no additional value (Charges & Charges). This can be a worth proposition that’s very robust to beat, if you happen to ask me.

Hyperlink: Apply now for the Capital One Enterprise X Rewards Credit score Card

Upon enrollment, accessible by means of the Capital One web site or cellular app, eligible cardholders will stay at upgraded standing stage by means of December 31, 2024. Please observe, enrolling by means of the traditional 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.

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

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