The Capital One Enterprise Rewards Credit score Card is a strong choice for journey fans to earn Capital One miles for a modest $95 annual payment.
Nonetheless, if you wish to be accepted for this card, you may wish to ensure you are eligible first. That is very true if you have already got different Capital One playing cards in your pockets.
Capital One lately tightened restrictions for approval throughout its Enterprise household of playing cards, making it much more vital to evaluation your standing earlier than you apply. Here is the whole lot you could know.
Are you eligible to use for the Capital One Enterprise?
There are a number of elements to think about in the event you’re hoping to be accepted for the Enterprise and obtain its bonus, together with the brand new modifications to eligibility throughout the Enterprise lineup.
Capital One utility guidelines
It’s important to wait six months between your Capital One card purposes. So, in the event you’ve been accepted for any Capital One card inside the final six months, you may want to attend if you wish to be accepted for the Enterprise.
What if I acquired a Enterprise card welcome bonus up to now?
When you’ve beforehand acquired the Enterprise’s welcome bonus, you must wait 48 months to be accepted for the cardboard and obtain the bonus once more.
What if I have already got the Enterprise X or VentureOne playing cards?
That is the place the newest change kicks in. Capital One’s latest Enterprise lineup household rule applies the 48-month rule once you transfer “down” inside the Enterprise suite, by way of annual charges.
So, in the event you’ve earned the bonus on the Capital One Enterprise X Rewards Credit score Card ($395 annual payment) within the final 48 months, you are not eligible for the Enterprise card or its bonus. Nonetheless, in the event you’ve earned the bonus on the no-annual-fee Capital One VentureOne Rewards Credit score Card, you might be nonetheless eligible to be accepted for the Enterprise and its bonus — since you are going “up the ladder” almost about annual charges.
Here is what the cardboard’s phrases must say about this:
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“You aren’t eligible for this product you probably have acquired a brand new cardmember bonus for the Capital One Enterprise card or the Capital One Enterprise X card up to now 48 months.”
What credit score rating do I have to qualify for the Enterprise?
TPG recommends a minimal rating of 670 for approval for the Enterprise Rewards, though people with decrease scores have additionally been accepted.
Capital One particularly mentions that it is best to have glorious credit score to qualify. Nonetheless, we have seen a number of studies of individuals getting accepted regardless of having a credit score rating under 670. So, it might be price making use of even in the event you’re under that mark.
In case you have exceptionally low credit score or no credit score, it is best to attend and apply for a credit-building card as an alternative.
Associated: Bank card showdown: Capital One Enterprise vs. Capital One Enterprise X
Capital One Enterprise Rewards particulars
When you’re all in favour of making use of for the Enterprise, listed here are the fundamentals to know in regards to the card.
Present welcome bonus
New candidates can earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months from account opening.
TPG’s November 2025 valuations deem the entire worth of this bonus at $1,388. That is the commonplace welcome supply we usually see on this card.
There are two major methods to redeem these miles. One choice is to redeem them at a flat fee towards any travel-related bills in your assertion. This consists of future bookings by means of the Capital One Journey portal, parking charges, rental automobiles and ride-hailing companies, amongst a number of different kinds of journey. This redemption methodology affords a flat fee of 1 cent per mile.
A extra advantageous different may contain transferring your miles to Capital One’s 15-plus switch companions. Most companions supply an easy switch ratio of 1:1. By transferring your miles to a extremely profitable accomplice, corresponding to Air Canada Aeroplan or Air France-KLM Flying Blue, you’ll be able to simply get vital worth out of your miles.
Annual payment
The Enterprise has an annual payment of $95, which feels affordable given this card’s perks.
Incomes
The Enterprise Rewards presents an incomes fee that is easy but rewarding. You will earn:
This card is a superb choice for individuals who do not wish to observe a number of bonus classes and as an alternative want incomes a flat reward fee on most purchases.
Different advantages
Past the welcome bonus, listed here are the continued advantages of the Enterprise Rewards:
Associated: 7 kinds of purchases it is best to make together with your Capital One Enterprise Rewards card
Backside line
The Enterprise is a unbelievable card for frequent vacationers at a modest annual payment. Sadly, Capital One has rolled out extra utility restrictions relating to those that have already got Enterprise playing cards and wish to apply for the Enterprise and obtain the bonus.
Nonetheless, if you have not acquired a bonus on the Enterprise or Enterprise X in 48 months, wait six months between Capital One card purposes and have a TPG-recommended credit score rating of not less than 670, this strong rewards card will possible be yours.
To study extra, learn our full evaluation of the Enterprise.
Study extra: Capital One Enterprise Rewards Credit score Card
For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and will range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.