The Capital One Enterprise Rewards Credit score Card supplies nice worth to occasional vacationers who need to maximize the miles they earn. This card encompasses a $95 annual charge and earns not less than 2 miles per greenback on all purchases.
Its flashier sibling, the $395-annual-fee Capital One Enterprise X Rewards Credit score Card, gives 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).
For those who 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 study each playing cards that will help you resolve which Capital One card is your only option.
Capital One Enterprise Rewards vs. Capital One Enterprise X comparability
| Card | Capital One Enterprise Rewards | Capital One Enterprise X |
|---|---|---|
| Annual charge | $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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| International 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 gives are price $1,388 primarily based on TPG’s August 2025 valuations, so you will get strong worth from the bonus regardless of which card you select.
Winner: Tie. Each playing cards present the identical welcome provide.
Associated: Learn how to redeem Capital One’s 75,000 bonus miles welcome provide for max worth
Capital One Enterprise Rewards vs. Capital One Enterprise X advantages
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Conversely, the Enterprise X has a stronger checklist of advantages that greater than justify its larger annual charge for those who can maximize them.
As a cardholder, you will get a $300 annual credit score for bookings made via Capital One Journey.
At the moment, Enterprise X cardholders and their approved customers get complimentary entry to Capital One lounges and may deliver two friends totally free. Beginning Feb. 1, 2026, you will must spend $75,000 in a calendar yr to maintain free visitor entry; in any other case, adults will value $45 every, kids 17 and below $25, and youngsters below 2 stay free.
With the Enterprise X, you will additionally get a Precedence Go lounge membership to over 1,700 areas worldwide. Visitors can once more be part of at no further value till Jan. 31, 2026, after which you will must pay $35 per visitor.
An extra advantage of Enterprise X is you could add a restricted variety of approved customers for no further charge. Nevertheless, beginning Feb. 1, 2026, in order for you your approved person to have lounge entry, you will must pay $125 for the privilege.
You may additionally obtain 10,000 bonus miles, price $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 accommodations, journey protections, prolonged guarantee safety and cellphone safety.
Winner: Enterprise X. Because the extra premium card providing, it has a way more sturdy checklist of advantages than the Enterprise Rewards.
Associated: Is the Capital One Enterprise X well worth the $395 annual charge?
Incomes miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
With the Enterprise Rewards, you will earn 5 miles per greenback spent on accommodations, trip leases and rental vehicles booked via Capital One Journey. Nevertheless, you probably have the Enterprise X, you will earn 10 miles per greenback spent on accommodations and rental vehicles booked via Capital One Journey and 5 miles per greenback spent on flights and trip leases booked via the identical portal.
Winner: Enterprise X. It earns double the miles because the Enterprise Rewards on accommodations and rental vehicles booked via Capital One Journey. The Enterprise X additionally earns bonus miles on flights booked via Capital One Journey, whereas the Enterprise Rewards doesn’t.
Associated: 7 forms of purchases it is best to make together with your Capital One Enterprise Rewards card
Redeeming miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
You may get probably the most worth by transferring your miles to certainly one of Capital One’s 15-plus switch companions, however it’s also possible to redeem them for an announcement credit score to cowl journey purchases or present playing cards at a flat price of 1 cent per mile.
Each playing cards mean you can redeem your miles for money again, however you will get a a lot decrease price of 0.5 cents per mile, so we suggest avoiding this selection every time potential.
Winner: Tie. Each playing cards provide the identical choices to redeem your miles.
Associated: Do you have to switch Capital One miles to companions or redeem straight for journey?
Transferring miles with the Capital One Enterprise Rewards vs. Capital One Enterprise X
Probably the greatest issues about each the Enterprise Rewards and the Enterprise X is that they mean you can switch your miles to certainly one of Capital One’s 15-plus resort and airline companions, together with invaluable choices like Air France-KLM Flying Blue, British Airways Membership and Turkish Airways Miles&Smiles.
And for those who can make the most of a welcome bonus, you will get much more worth out of your miles. As an 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 identical charges.
Associated: Cashing in Capital One miles? Learn how to get the utmost worth when redeeming miles
Ought to I get the Capital One Enterprise Rewards or Capital One Enterprise X?
For those who’re centered on protecting your annual charge prices low, go together with the Enterprise Rewards. You may get a powerful incomes price, the flexibility to make the most of Capital One’s switch companions and a few journey advantages for only a $95 annual charge. Nevertheless, 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?
Learn how to improve from the Capital One Enterprise Rewards to the Capital One Enterprise X
If you have already got Enterprise Rewards and need to improve to Enterprise X, you possibly can name the quantity on the again of your card and request a product change. You will not be capable to make the most of your new card’s welcome provide, but it surely’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 via the identical technique.
Associated: How Enterprise X saved me over $6,000 on a summer time journey to France
Backside line
The Enterprise X is a superb card for individuals 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 maintain their annual charge prices low. No matter which card you select, you will get strong journey advantages and earn invaluable transferable rewards.
To study extra, learn our full evaluations of the Enterprise Rewards and Enterprise X.
Be taught extra: Capital One Enterprise Rewards
Be taught extra: Capital One Enterprise X
For Capital One merchandise listed on this web page, a few of the advantages could also be offered by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
