Whether or not it is peanut butter and jelly or airplanes and lie-flat seats, some issues are simply higher collectively. When two issues completely complement one another, they develop into a dynamic duo. That’s precisely what Capital One has finished with two of its hottest bank cards.
The Capital One Enterprise X Rewards Credit score Card is a premium journey rewards card that earns miles on on a regular basis spending. Comparatively, the Capital One Savor Money Rewards Credit score Card provides limitless money again on eating, groceries and extra.
Capital One permits cardholders to switch rewards from cash-back playing cards to journey rewards playing cards (or vice versa) at a price of 1 cent to 1 mile. Merely put, transferring money again makes rewards extra worthwhile, as TPG’s Might 2025 valuations peg Capital One miles at 1.85 cents every, quite than 1 cent alone.
Having the ability to earn money again and redeem these earnings as miles is a promising proposition, and why the mix of the Capital One Enterprise X and the Savor Money is very interesting.
Here is how they work higher collectively.
Spending collectively
The Capital One Savor Money Rewards earns 3% again on eating, leisure, fashionable streaming companies and grocery shops (excluding Walmart® and Goal®). If you wish to e book tickets to see your favourite artist or workforce, you additionally get 8% again on purchases by means of Capital One Leisure and 5% money again on motels and rental automobiles booked with Capital One Journey.
For journey, the Enterprise X earns 10 miles per greenback spent on motels and rental automobiles whereas incomes 5 miles per greenback spent on flights and trip leases bought by means of Capital One Journey.
Regardless of being a journey bank card, the Enterprise X actually excels at maximizing day-to-day spending because it earns an infinite 2 miles per greenback spent on all different purchases.
After changing the money again to miles (and presumably growing the worth of the rewards), this card duo earns an infinite 2 to 10 miles per greenback spent within the following bonus classes:
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- 10 miles per greenback spent on motels and rental automobiles booked by means of Capital One Journey
- 5 miles per greenback spent on flights and trip leases booked by means of Capital One Journey
- 3 miles per greenback spent on eating
- 3 miles per greenback spent on leisure
- 3 miles per greenback spent on fashionable streaming companies
- 3 miles per greenback spent at grocery shops
- 2 miles per greenback spent on the whole lot else
Associated: Greatest Capital One bank cards
Redeeming collectively
The flexibility to switch money again to miles opens up a whirlwind of redemption choices. With the Enterprise X‘s 15-plus switch companions, you need to use your miles to get to the far corners of the world after which keep there on rewards.
For instance, I beforehand booked a $1,500 trip rental for 45,000 Capital One miles as a substitute of receiving $450 in cash-back rewards. This perk really permits this dynamic duo to be so highly effective.
Suppose you do not need to switch miles to one among Capital One’s quite a few companions, together with Air Canada Aeroplan (to e book flights on Star Alliance companions like United Airways), Wyndham Rewards (to e book motels) and Air France-KLM Flying Blue (for SkyTeam flights).
In that case, you may redeem journey costs for an announcement credit score at a price of 1 cent per mile. Successfully, this may be the identical as changing the miles on the Enterprise X to money again on the Savor and cashing out by way of an announcement credit score, test, present card or charitable contribution.
Associated: Do you have to switch Capital One miles to companions or redeem instantly for journey?
Different advantages collectively
These two playing cards complement one another when it comes to the advantages supplied. Along with incomes and redeeming rewards, the Savor Money is a World Elite Mastercard, whereas the Enterprise X is a Visa Infinite product, which doubles the potential advantages.
World Elite Credit cards get free ShopRunner memberships (by means of Sept. 30) and entry to Mastercard’s Luxurious Resort & Resorts Portfolio, which incorporates advantages reminiscent of amenity credit, complimentary room upgrades and free breakfast, amongst others, at over 3,000 properties.
Visa Infinite playing cards obtain entry to the Visa Infinite Luxurious Resort Assortment, which capabilities equally to Mastercard’s portfolio. Cardholders additionally obtain Precedence Go lounge membership, which incorporates entry for the cardholder and as much as two company at greater than 1,700 lounges worldwide, and main rental automotive insurance coverage along with journey cancellation, interruption and delay insurance coverage, misplaced baggage reimbursement and prolonged guarantee safety.
Moreover, the Enterprise X provides Hertz President’s Circle standing*, which is useful when renting a automotive. The cardboard additionally consists of cellphone safety of as much as $800 in case your machine is broken or stolen; all it’s important to do to qualify is pay your telephone invoice with the cardboard (topic to a $50 deductible).
*Upon enrollment, accessible by means of the Capital One web site or cellular app, eligible cardholders will stay at that standing degree by means of the length of the provide. Please notice, enrolling by means of the traditional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) won’t mechanically detect a cardholder as being eligible for this system and cardholders won’t be mechanically upgraded to the relevant standing tier. Further phrases apply.
Along with Precedence Go, the cardboard provides you entry to Capital One’s rising lounge community, together with an superb touchdown at Washington, D.C.’s Ronald Reagan Washington Nationwide Airport (DCA), and an as much as $120 assertion credit score for International Entry or TSA PreCheck.
Lastly, with the Enterprise X, you get an annual $300 credit score by means of Capital One Journey and 10,000 bonus miles each account anniversary. These perks work collectively between the playing cards that will help you create fulfilling journey experiences whereas lowering dangers due to insurance coverage advantages.
Associated: 6 issues to do if you get the Capital One Enterprise X
Charges and welcome bonuses
The Enterprise X provides 75,000 bonus miles after spending $4,000 on purchases throughout the first three months from account opening.
The Savor provides a $200 money bonus after spending $500 on purchases throughout the first three months of account opening.
After finishing the minimal spending necessities and incomes the 2 welcome bonuses throughout these playing cards, it is attainable to accrue an enormous stash of miles — sufficient to doubtlessly cowl a world round-trip flight in enterprise class, a handful of round-trip home flights or a few nights at your favourite resort.
The Capital One Enterprise X’s annual charge is $395, whereas the Savor Money doesn’t cost an annual charge.
Neither card costs international transaction charges or costs so as to add an licensed consumer, a pleasant profit in comparison with another journey playing cards with extra prices.
Backside line
A number of bank card issuers have constructed their merchandise to work higher collectively, which is the case with the Enterprise X and the Savor Money — Capital One’s dynamic card duo.
Add within the protections, yearly advantages and welcome provide bonus miles, and these two playing cards are good for people who wish to preserve a easy, two-card set-up to maximise their each day journey spending.
Be taught extra: Capital One Savor Money Rewards
Be taught 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.