Capital One Enterprise X Enterprise Card Assessment: Is It Value It?

I’m a sucker for journey rewards card. Over time, I’ve collected a small handful of them — not as a result of I like juggling annual charges, however as a result of the precise playing cards can prevent a lot of cash on flights, accommodations, and journey perks you’d in any other case pay out of pocket for.

Not solely do I’ve a bunch for my private bills however I’ve a pair for this enterprise too. Certainly one of my favourite enterprise bank cards is the Capital One Enterprise X Enterprise Credit score Card. It’s Capital One’s top-tier enterprise product. I adore it as a result of there’s a giant welcome supply, lounge entry to over 1,300 airport lounges, annual journey credit, and a easy 2x reward on all spending (which ensures you might be at all times incomes multiples miles per greenback spent).

That will help you resolve if this card is for you, right here’s my full evaluation of the cardboard and why I adore it a lot:

What’s the Capital One Enterprise X Enterprise Card?

The Capital One Enterprise X Enterprise Credit score Card is a journey rewards card issued by Capital One. It comes with a $395 annual charge that’s means decrease than the opposite premium enterprise playing cards on the market. And I feel you’ll be able to simply get far more worth than the annual charge prices. Right here’s a fast have a look at the principle perks:

• 150,000 miles after spending $30,000 within the first 3 months
• 2 miles per $1 on all purchases, no class restrictions
• 5× miles on flights booked via Capital One Journey
• 10× miles on accommodations and rental vehicles booked via Capital One Journey
• $300 annual journey credit score (via Capital One Enterprise Journey)
• Yearly, you’ll get 10,000 bonus miles after your account anniversary date.
• Get pleasure from entry to 1,300+ airport lounges worldwide, together with Capital One Lounge areas and Precedence Go™ lounges, after enrollment
• As much as $120 assertion credit score for TSA Precheck or International Entry
• No international transaction charges

Utilizing Your Capital One Miles

Capital One miles will be redeemed in a couple of methods. One is by reserving journey straight via Capital One’s portal. Whereas I normally don’t suggest reserving via bank card portals, to totally profit from the Enterprise X’s journey credit score (and to get the 5x and 10x miles affords) you’ll want to make use of their portal.

An alternative choice is to make use of your miles to get reimbursed for any journey buy. For 90 days after making such a purchase order, you’ll be able to reimburse your self at a redemption fee of 1 cent per mile. After 90 days, and for all different purchases, you need to use miles as money again, at a redemption fee of 0.5 cents per mile (however keep away from doing this, because it’s not worth).

You can even use your Capital One miles within the Capital One Leisure portal to guide tickets for concert events, sports activities occasions, and extra. Often, Capital One affords cardholder-only occasions and presale alternatives too. When you’ll get simply 0.8 cents per mile for tickets (not the very best worth), it’s nonetheless a enjoyable and distinctive approach to redeem miles.

Nevertheless, you’ll get probably the most out of your miles by transferring them to Capital One’s 15+ airline and lodge companions. Whereas the precise worth varies based mostly on what you guide, you’ll be able to normally discover airline and lodge redemptions value far more than the aforementioned one cent per mile. (The method is fairly easy and will be achieved via your Capital One account.)

Listed here are Capital One’s present journey companions:

• Accor Reside Limitless
• Aeromexico Membership Premier
• Air Canada Aeroplan
• Air France/KLM Flying Blue
• Avianca LifeMiles
• British Airways Government Membership
• Cathay Pacific Asia Miles
• Selection Privileges
• Emirates Skywards
• Etihad Airways Visitor
• EVA Air Infinity MileageLands
• Finnair Plus
• I Choose Lodge Rewards
• Japan Airways Mileage Financial institution
• Qantas Frequent Flyer
• Qatar Airways Privilege Membership
• Singapore Airways KrisFlyer
• TAP Portugal Miles&Go
• Turkish Airways Miles&Smiles
• Virgin Crimson
• Wyndham Rewards

Execs of the Enterprise X Enterprise Card

As somebody who travels continuously for work, I’m at all times on the lookout for methods to earn miles quicker and make airport life rather less painful. I like this card for the easy 2x miles on every thing. I take advantage of loads of different playing cards that may get you 3 or 4x on sure classes like promoting or non-portal journey spend like flights and accommodations. However in the case of eating, museums, transportation, and so forth, there’s not loads of methods to get greater than 2x per greenback spent on a enterprise card. So, I take advantage of this Enterprise X for something I can’t get greater than 2x per greenback.

Right here’s a deep dive into a number of the fundamental perks:

$300 Journey Credit score
Annually, you get a $300 credit score towards bookings made via Capital One Enterprise Journey (flights, accommodations, or automobile leases). If you happen to’re already reserving journey recurrently, this credit score is principally free cash — and it instantly drops your efficient annual charge from $395 to $95.

The catch? You do should guide via Capital One’s journey portal. It’s powered by Hopper, so the interface is clear and costs are normally aggressive. I’ve discovered some good offers there.

Lounge Entry
You get entry to Capital One Lounges and Precedence Go lounges. Capital One’s personal lounges are literally nice — spacious, trendy, good meals — although they’re nonetheless restricted location. However they’re increasing what number of they’ve and I personally suppose they’re means higher than the opposite lounges competitor banks have. You additionally get Precedence Go entry t o over 1,300 lounges globally, which is a typical however very nice perk.

Anniversary Bonus
Yearly in your account anniversary, you’ll get 10,000 bonus miles (value about $100 towards journey). It’s a pleasant “thanks” that helps offset the annual charge even additional.
 

Ought to You Get This Card?

The Capital One Enterprise X Enterprise Credit score Card is greatest for small- to medium-sized enterprise house owners who journey recurrently and may put at the least $30,000 to make sure they meet the welcome supply necessities.

General, I feel the Capital One Enterprise X Enterprise is among the best-value premium enterprise playing cards on the market proper now. It’s not as benefit-packed or as flashy because the Amex Enterprise Platinum or the Chase Sapphire Reserve, however it’s simpler to make use of, has a inexpensive annual charge, will get you lounge entry, and a simple to know incomes construction.

It’s one of many playing cards I take advantage of probably the most usually for my enterprise. I extremely suggest getting it.

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