The Capital One Enterprise X Rewards Credit score Card launched in 2021 and stays one of the thrilling bank cards in the marketplace.
As Capital One’s flagship card, the Enterprise X is an addition to the world of premium journey rewards playing cards, taking up incumbent gamers just like the American Categorical Platinum Card® and Chase Sapphire Reserve® (see charges and charges).
The $395-per-year Enterprise X not solely undercuts its essential opponents when it comes to an annual price but in addition contains precious perks, together with a $300 annual Capital One Journey credit score, entry to Capital One Lounges and Precedence Move lounges, and a ten,000-mile anniversary bonus for every cardmember 12 months.
In the event you’re contemplating including the Enterprise X to your pockets, listed here are solutions to eight steadily requested questions.
Can I apply for the Enterprise X as an current Enterprise cardholder?
Probably the most urgent questions considerations current Capital One clients — particularly, whether or not you’ll be able to apply for the Enterprise X if you have already got the equally named Capital One Enterprise Rewards Credit score Card.
The short reply is: Sure, you’ll be able to apply for the Enterprise X card as an current Enterprise cardholder.
For instance, TPG’s senior editorial director, Nick Ewen, utilized for the Capital One Enterprise Rewards card shortly after it launched in 2021. Lower than a 12 months after making use of for the Enterprise Rewards, he was accredited for the Enterprise X.
Nonetheless, Capital One has lately up to date its guidelines concerning welcome bonus eligibility within the Enterprise household, introducing a 48-month rule that restricts downward motion with annual charges. This capabilities equally to the American Categorical household restrictions.
Present Enterprise X cardholders who’ve utilized for the cardboard and acquired the bonus within the final 48 months usually are not eligible to open a Capital One Enterprise Rewards Credit score Card or Capital One VentureOne Rewards Credit score Card.
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Fortunately, upward motion within the Enterprise household is allowed. So, in case you plan to open one of many Enterprise playing cards with a decrease annual price, you have to to work your approach up. For instance, apply for the VentureOne, then the Enterprise Rewards after which the Enterprise X.
That is nice information because it means you’ll be able to apply for the Enterprise X’s glorious 100,000-mile welcome bonus (after spending $10,000 on purchases throughout the first six months from account opening) and rack up much more Capital One miles towards journey, even when you have already got the Enterprise Rewards.
Associated: Present supply on the Capital One Enterprise X
What are the applying restrictions for Capital One playing cards?
Capital One has a hard-and-fast rule concerning utility timing. You’ll be able to usually be accredited for just one Capital One card each six months.
Capital One can be delicate to latest credit score inquiries. Anecdotally, although, stories point out that Capital One might have made it simpler to be accredited for the Enterprise X, even in case you’ve had a number of card functions within the latest previous.
Be strategic about once you apply. As an example, chances are you’ll wish to contemplate a Chase bank card earlier than the Enterprise X. That is as a result of this card will fall below Chase’s 5/24 rule, which means you possible won’t be accredited for a Chase bank card in case you’ve opened 5 or extra private bank cards throughout all banks within the final 24 months.
So, in case you’re getting near the restrict of 5 new playing cards and the Enterprise X would put you over it, you may wish to apply for a Chase card first and apply for the Enterprise X later down the road.
Lastly, some Capital One private playing cards — together with the Enterprise X — prohibit current and former cardmembers from making use of for the cardboard if they’ve acquired a new-cardmember bonus for the product up to now 48 months.
Associated: The last word information to bank card utility restrictions
Can I improve to the Enterprise X as an current Enterprise cardholder?
Based on a Capital One spokesperson, present Enterprise cardholders whose accounts are in good standing can contact the issuer’s customer support desk to see if they’re eligible for an improve to Enterprise X.
Every applicant’s state of affairs shall be completely different and evaluated on a case-by-case foundation. Throughout TPG’s take a look at calls to Capital One, cellphone brokers provided to improve most of our Enterprise Rewards playing cards to the Enterprise X. Nonetheless, they reiterated that cardholders wouldn’t be eligible for a welcome bonus.
That mentioned, considered one of our employees members was knowledgeable that they weren’t eligible to improve their Enterprise to the Enterprise X after being denied as a brand new applicant. Because the saying goes, your mileage might differ.
After all, evaluating whether or not it is best to improve or apply as a brand new applicant can be essential.
Upgrades usually have zero affect in your credit score rating. In lots of instances, you may even preserve the identical account quantity. Nonetheless, you may lose out on a big welcome bonus.
That being mentioned, even in case you’re eligible to improve, you may wish to apply for the Enterprise X outright as an alternative.
Associated: Who ought to (and should not) get the Capital One Enterprise X card?
Can I mix my Capital One miles throughout a number of playing cards?
Sure, you’ll be able to mix your Capital One Enterprise miles from playing cards such because the Capital One Enterprise and Capital One Enterprise X.
You have to have the playing cards linked with the identical Capital One on-line profile to do that. Then, log in to your account, navigate to the rewards part and choose the “Transfer Rewards” choice.
Associated: Capital One miles: The way to earn, redeem and switch rewards
Is there a price so as to add licensed customers to the Enterprise X?
There is no such thing as a price so as to add licensed customers. You’ll be able to add as much as 4 licensed customers.
What are the licensed consumer advantages on the Enterprise X?
Enterprise X licensed customers can have the identical advantages as the first cardholder, together with journey, buy, baggage and rental automobile protections (detailed under). As well as, licensed customers obtain complimentary entry for themselves and as much as two company per go to to Capital One Lounges and for themselves and all accompanying company to greater than 1,700 Precedence Move lounges worldwide. Nonetheless, lounge entry insurance policies for licensed customers and company will change beginning Feb 1, 2026.
After this date, in order for you your licensed customers to have lounge entry, you may have to pay $125 yearly per licensed consumer. Moreover, you may have to spend $75,000 in a calendar 12 months to take care of free visitor entry; in any other case, grownup company will value $45 every and kids age 17 and below $25 every (youngsters below 2 will stay free at Capital One lounges).
No matter spending, visitor entry for Precedence Move lounges will value $35 per visitor after Jan. 31, 2026.
Presently, 5 Capital One Lounges and one Touchdown location are open:
The first cardholder and licensed customers obtain Hertz President’s Circle standing*.
Associated: Stacking rental automobile perks with Hertz and the Enterprise X
What journey and buying protections does the Enterprise X supply?
Much like the Chase Sapphire Reserve, the Enterprise X is denoted as a Visa Infinite bank card and features a host of protections when utilizing your card:
- Journey cancellation and interruption insurance coverage: As much as $2,000 per particular person for you and fast relations for pay as you go, nonrefundable tickets.
- Journey delay reimbursement: As much as $500 per particular person for affordable bills like resort rooms, meals, toiletries and garments when your flight is delayed in a single day or by six hours or extra.
- Misplaced baggage reimbursement: For widespread service tickets, as much as $3,000 per lined journey if the airline damages or loses your baggage.
- Cellphone safety: Through the use of the cardboard to pay your month-to-month wi-fi invoice, you are eligible for as much as $800 in protection per declare with a most of two claims and $1,600 per 12-month interval. A $50 deductible applies per incidence.
- Major rental automobile insurance coverage: As much as $75,000 as a result of injury brought on by collision or theft to a rental automobile.
- Buy, prolonged guarantee and return safety: As much as $10,000 per declare and $50,000 per account on purchases; warranties prolonged by a further 12 months; returns as much as $300 per merchandise and $1,000 per account.
Like another premium card packages, the Visa Infinite program additionally features a devoted concierge service that may help with journey and eating preparations, buying, entry to unique occasions, and extra.
Associated: Clear Plus increasing concierge airport service for members
What forms of rental automobile advantages and protections do I obtain with the Enterprise X?
The Enterprise X affords complimentary Hertz President’s Circle standing*, which gives perks corresponding to assured one-class automobile upgrades, 50% bonus factors, a free extra driver (partner or home companion; within the U.S.) and a devoted Hertz customer support quantity.
After logging in, main cardholders should enroll by way of the advantages tab on the Capital One web site or app. Approved customers are additionally eligible for the profit. After profitable registration, Hertz will course of the request, and the standing shall be efficient 24-72 hours after registration.
Via Visa Infinite, you can even get main rental automobile protection for as much as $75,000 as a result of injury to a rental automobile brought on by collision or theft. You are solely eligible for protection once you lease for as much as 15 consecutive days within the U.S. or as much as 31 consecutive days in different nations.
Associated: Bank card rental automobile insurance coverage: Greatest playing cards and the way it works
Backside line
The Capital One Enterprise X Rewards Credit score Card appeals to a bigger viewers than you may understand. In the event you’re a present Enterprise cardholder, it’s higher to use for the Enterprise X than improve, as you’ll be able to earn a welcome bonus.
The Enterprise X affords many advantages, together with an annual $300 Capital One journey credit score, lounge entry, and a strong suite of journey and buy protections, all with a a lot decrease annual price ($395) than related playing cards.
To learn extra concerning the card, take a look at our full evaluate of the Enterprise X.
Study extra: Capital One Enterprise X Rewards Credit score Card with 100,000 bonus miles after you spend $10,000 on purchases within the first six months from account opening.
For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
*Upon enrollment, accessible by way of the Capital One web site or cellular app, eligible cardholders will stay at that standing stage by way of the length of the supply. Please notice, enrolling by way of the conventional Hertz Gold Plus Rewards enrollment course of (e.g., at hertz.com) won’t routinely detect a cardholder as being eligible for this system, and cardholders won’t be routinely upgraded to the relevant standing tier. Extra phrases apply.
