The Capital One Enterprise X Rewards Credit score Card stands tall within the journey bank card market. That is due to its easy advantages, potential to earn invaluable Capital One miles and annual payment of $395, modest in comparison with its premium counterparts.
In case you’ve been eyeing this rewards card, now’s a unbelievable time to use. That is as a result of the cardboard is providing its highest welcome bonus since its launch in 2021. The one time this card has had a limited-time welcome bonus was throughout the first 4 months after it debuted.
However the provide ends on Jan. 5, 2026, so you will need to act quickly to safe it.
Let’s dive into the Enterprise X’s bonus and advantages that will help you resolve whether or not now’s the time so as to add the cardboard to your pockets.
Present Capital One Enterprise X provide
New Enterprise X candidates can earn 100,000 miles after spending $10,000 on purchases within the first six months of account opening. That is your final probability to earn this bonus, because it ends on Jan. 5, 2026.
Based on TPG’s December 2025 valuations, this bonus is price $1,850.
Capital One miles are most beneficial if you leverage one of many issuer’s 15-plus switch companions. Nevertheless, cardholders even have the choice to redeem at a hard and fast charge of 1 cent per level to cowl current journey purchases on the cardboard or make bookings by means of the Capital One Journey portal. This bonus is price a decent $1,000 in case you redeem it this fashion.
How does this examine to previous provides?
Exterior of the Enterprise X’s November 2021 launch, that is the one elevated provide we have seen within the card’s historical past. The Enterprise X supplied the identical 100,000-mile provide from November 2021 to March 2022. In any other case, it has by no means strayed from its normal 75,000-mile provide (not presently out there).
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This 100,000-mile provide hasn’t been out there in 4 years, making now a good time to use. The provide expires quickly, so make sure to apply by Jan. 5, 2026.
Software guidelines and restrictions
Capital One has imposed a 48-month household rule throughout its lineup of Enterprise playing cards, together with the Capital One VentureOne Rewards Credit score Card and the Capital One Enterprise Rewards Credit score Card.
This new Enterprise household rule restricts you from shifting ‘down’ the Enterprise card household (when it comes to annual charges), that means if you have already got the Enterprise X and earned the bonus within the final 48 months, you will not be accepted for the VentureOne ($0 annual payment) or Enterprise ($95 annual payment). So, that is one thing to bear in mind if you wish to decide up one in every of these two lower-tier playing cards sooner or later.
Moreover, in case you’ve opened the Enterprise X and obtained its bonus within the final 48 months, you will not be eligible for this present bonus.
Capital One’s different utility restrictions require you to attend six months between approvals for brand new Capital One playing cards, together with each private and enterprise playing cards.
Associated: 6 issues to do if you get the Capital One Enterprise X
Why it is best to apply for the Enterprise X
The Enterprise X gives a number of advantages for frequent vacationers to take pleasure in. Key perks embrace:
- Anniversary bonus: The cardboard pays 10,000 bonus miles in your account anniversary, beginning in your first anniversary. As of December 2025, TPG values these 10,000 miles at as much as $185 when utilized with Capital One’s switch companions.
- Annual journey credit score: Cardholders will obtain a $300 annual credit score for bookings made by means of Capital One Journey.
- Licensed customers: Further licensed customers might be added at no cost. Nevertheless, starting Feb. 1, 2026, every licensed consumer will price $125 yearly to retain Capital One and Precedence Go lounge entry.
- World Entry or TSA PreCheck: Cardholders obtain as much as $120 in assertion credit for both TSA PreCheck or World Entry.
- Lounge entry: Cardholders, licensed customers and as much as two friends per go to get complimentary entry to Capital One lounges and greater than 1,300 Precedence Go lounges till Feb. 1, 2026. After this date, you will be required to pay for visitor entry to each varieties of lounges.
- Luxurious lodge perks: The Capital One Premier Assortment provides free breakfast, room upgrades and different perks at collaborating inns and resorts. Cardholders may entry Capital One’s lower-tier Way of life Assortment.
- Stacking automobile rental perks: Cardholders can stack automobile rental perks with Hertz.*
*Upon enrollment, accessible by means of the Capital One web site or cellular app, eligible cardholders will stay at that standing stage by means of the period of the provide. Please be aware, 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.
On high of those advantages, the Enterprise X makes it straightforward to earn Capital One miles at aggressive charges:
- 10 miles per greenback spent on inns 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
- 2 miles per greenback spent on all different purchases
In case you maximize the total worth of simply two of the Enterprise X’s annual perks — the $300 journey credit score and 10,000 bonus factors — you’ll successfully recoup your $395 annual payment. That is as a result of TPG’s December 2025 valuations place the bonus factors at $185. Whenever you add the worth of the $300 credit score to this, you attain a complete annual worth of $485.
Associated: Cashing in Capital One miles? How you can get the utmost worth when redeeming miles
Backside line
The Enterprise X is offering 100,000 miles in its first elevated provide since launch, which makes now a good time to use in case you’re eligible for the bonus.
With the provide expiring quickly, you will need to apply now so you do not miss out. The bonus ends on Jan. 5, 2026.
This card generally is a nice choice for a lot of vacationers, and the cardboard will doubtless change into extra compelling over time as Capital One continues to put money into its rewards program and develop its lounge community.
To be taught extra, learn our full evaluation of the Enterprise X.
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.
