The Capital One Enterprise Rewards Credit score Card supplies nice worth to occasional vacationers who wish to maximize the miles they earn. This card contains a $95 annual payment and earns no less than 2 miles per greenback on all purchases.
Its flashier sibling, the $395-annual-fee Capital One Enterprise X Rewards Credit score Card, affords an enhanced journey expertise to compete with different premium merchandise like The Platinum Card® from American Categorical and the Chase Sapphire Reserve® (see charges and costs).
If you happen to do not carry both card — the Enterprise Rewards or the Enterprise X — chances are you’ll surprise: Do you have to apply for the well-established, crowd-pleasing Enterprise Rewards or go premium with the luxe Enterprise X?
Let’s look at each playing cards that can assist you resolve which Capital One card is the best choice.
Capital One Enterprise Rewards vs. Capital One Enterprise X comparability
| Card | Capital One Enterprise Rewards | Capital One Enterprise X |
|---|---|---|
| Annual payment | $95 | $395 |
| Welcome provide | Earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. | Earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. |
| Incomes charges |
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| Different advantages |
|
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| Overseas transaction charges | None | None |
Capital One Enterprise Rewards vs. Capital One Enterprise X welcome provide
The Enterprise Rewards and Enterprise X have the identical welcome provide: New cardholders can earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.
Each affords are value $1,388 based mostly on TPG’s August 2025 valuations, so you may get strong worth from the bonus regardless of which card you select.
Winner: Tie. Each playing cards present the identical welcome provide.
Associated: redeem Capital One’s 75,000 bonus miles welcome provide for max worth
Capital One Enterprise Rewards vs. Capital One Enterprise X advantages
With the Enterprise Rewards, you may rise up to a $120 credit score for TSA PreCheck or International Entry, in addition to rental automobile and journey accident insurance coverage, prolonged guarantee safety and entry to Capital One’s Way of life Assortment of motels and Capital One Leisure.
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Conversely, the Enterprise X has a stronger listing of advantages that greater than justify its greater annual payment when you can maximize them.
As a cardholder, you may get a $300 annual credit score for bookings made by Capital One Journey.
At present, Enterprise X cardholders and their approved customers get complimentary entry to Capital One lounges and may convey two company without spending a dime. Beginning Feb. 1, 2026, you may must spend $75,000 in a calendar 12 months to maintain free visitor entry; in any other case, adults will price $45 every, youngsters 17 and underneath $25, and youngsters underneath 2 stay free.
With the Enterprise X, you may additionally get a Precedence Move lounge membership to over 1,700 places worldwide. Visitors can once more be part of at no further price till Jan. 31, 2026, after which you may need to pay $35 per visitor.
A further advantage of Enterprise X is you could add a restricted variety of approved customers for no further payment. Nonetheless, beginning Feb. 1, 2026, in order for you your approved person to have lounge entry, you may need to pay $125 for the privilege.
You may additionally obtain 10,000 bonus miles, value $185 in keeping with TPG’s August 2025 valuations, at every cardholder anniversary, together with entry to Capital One’s Way of life Assortment and the luxurious Premier Assortment of motels, journey protections, prolonged guarantee safety and cellphone safety.
Winner: Enterprise X. Because the extra premium card providing, it has a way more sturdy listing of advantages than the Enterprise Rewards.
Associated: Is the Capital One Enterprise X well worth the $395 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 spent on all different purchases. Each playing cards additionally earn 5 miles per greenback spent on Capital One Leisure purchases (by Dec. 31, 2025).
With the Enterprise Rewards, you may earn 5 miles per greenback spent on motels, trip leases and rental vehicles booked by Capital One Journey. Nonetheless, if in case you have the Enterprise X, you may earn 10 miles per greenback spent on motels and rental vehicles booked by Capital One Journey and 5 miles per greenback spent on flights and trip leases booked by the identical portal.
Winner: Enterprise X. It earns double the miles because the Enterprise Rewards on motels and rental vehicles 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: 7 sorts of purchases it is best to make along with your Capital One Enterprise Rewards card
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 similar redemption choices.
You may get probably the most worth by transferring your miles to considered one of Capital One’s 15-plus switch companions, however you can even redeem them for a assertion credit score to cowl journey purchases or present playing cards at a flat fee of 1 cent per mile.
Each playing cards permit you to redeem your miles for money again, however you may get a a lot decrease fee of 0.5 cents per mile, so we advocate avoiding this selection every time potential.
Winner: Tie. Each playing cards provide the similar choices to redeem your miles.
Associated: Do you have to switch Capital One miles to companions or redeem instantly for journey?
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 permit you to switch your miles to considered one of Capital One’s 15-plus lodge and airline companions, together with helpful choices like Air France-KLM Flying Blue, British Airways Membership and Turkish Airways Miles&Smiles.
And when you can make the most of a welcome bonus, you may get much more worth out of your miles. For example, TPG senior factors and miles author Ben Smithson will get strong 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 similar charges.
Associated: Cashing in Capital One miles? get the utmost worth when redeeming miles
Ought to I get the Capital One Enterprise Rewards or Capital One Enterprise X?
If you happen to’re targeted on preserving your annual payment prices low, go along with the Enterprise Rewards. You may get a robust incomes fee, the power to make the most of Capital One’s switch companions and a few journey advantages for only a $95 annual payment. Nonetheless, in order for you airport lounge entry and may maximize its $300 annual credit score, the Enterprise X is the higher selection.
Associated: Who ought to (and should not) get the Capital One Enterprise X card?
improve from the Capital One Enterprise Rewards to the Capital One Enterprise X
If you have already got Enterprise Rewards and wish to improve to Enterprise X, you may name the quantity on the again of your card and request a product change. You will not have the ability to make the most of your new card’s welcome provide, nevertheless it’s a great way to get extra advantages with out worrying about eligibility.
You can too downgrade from the Enterprise X to the Enterprise Rewards by the identical methodology.
Associated: How Enterprise X saved me over $6,000 on a summer season journey to France
Backside line
Each the Enterprise Rewards and the Enterprise X are glorious journey rewards playing cards that earn bonus miles on Capital One Journey purchases and no less than 2 miles per greenback on all different purchases.
The Enterprise X is a superb card for many who can make the most of its airport lounge entry and annual journey 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 may get strong journey advantages and earn helpful transferable rewards.
To study extra, learn our full opinions of the Enterprise Rewards and Enterprise X.
Study extra: Capital One Enterprise Rewards
Study extra: Capital One Enterprise X
For Capital One merchandise listed on this web page, among the advantages could also be supplied by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.