In relation to journey bank cards, you’ve loads of choices out there. However one which ought to be in your shortlist is the Capital One Enterprise X Credit score Card. It’s a premium journey card with a average annual charge, contemplating the numerous rewards and advantages the cardboard presents.
In reality, we’ve provide you with 13 causes to use for the Capital One Enterprise X Credit score Card.
Desk of Contents
- What Is the Capital One Enterprise X Credit score Card?
- 13 Causes to Apply for the Capital One Enterprise X Card
- 1. Signup Bonus
- 2. Anniversary Bonus
- 3. Rewards
- 4. $300 Annual Journey Credit score
- 5. No International Transaction Price
- 6. Referral Bonus – 100,000 Miles
- 7. Cell Telephone Safety
- 8. International Entry or TSA PreCheck Credit score
- 9. Capital One Eating and Capital One Leisure
- 10. Capital One Lounge
- 11. Journey Reserving Value Safety
- 12. Redeem Miles by means of 15+ Journey Loyalty Applications
- 13. Particular Advantages on Choose Automobile Leases
- Capital One Enterprise X Credit score Card Rewards: Redemption Choices
- Capital One Enterprise X Credit score Card Charges
- How you can Apply for the Capital One Enterprise X Credit score Card
- Capital One Enterprise X Credit score Card Options
- Capital One Enterprise X Credit score Card Professionals & Cons
- Ought to You Apply for the Capital One Enterprise X Credit score Card?
What Is the Capital One Enterprise X Credit score Card?
The Capital One Enterprise X Credit score Card is a journey rewards bank card that pays you again in miles. Typically talking, these miles may be redeemed at 1 cent per mile, although sure classes will redeem at the next or decrease charge.
Along with the ample rewards miles, there’s additionally a really beneficiant sign-up bonus. And as you would possibly anticipate from a premium journey card, it consists of many different journey advantages. Right here’s a have a look at the explanation why you must contemplate the Capital One Enterprise X.
13 Causes to Apply for the Capital One Enterprise X Card
The Capital One Enterprise X Credit score Card presents the next advantages and rewards:
1. Signup Bonus
You’ll begin by incomes 75,000 miles after you spend $4,000 in purchases throughout the first 3 months of opening your account. At one cent per mile, the sign-up bonus is value $750 while you e-book journey by means of Capital One Journey – which you’ll wish to do after studying Motive #11 under.
2. Anniversary Bonus
Along with the signup bonus, Capital One Enterprise X customers earn a yearly Anniversary Bonus beginning on their first anniversary. The Anniversary bonus is 10,000 miles, value $100 for journey.
The Capital One Enterprise X Credit score Card journey rewards are very beneficiant. You’ll earn bonus miles while you make the next purchases together with your card – 2X miles per greenback on all different purchases plus 10X miles per greenback on inns and rental automobiles booked by means of Capital One Journey, 5X miles per greenback on flights booked by means of Capital One Journey.
The 2X Miles on “all different purchases” is beneficiant when in comparison with rewards provided by non-premium bank cards. However if you happen to’re a frequent traveler, 10X Miles on inns and rental automobiles and 5X Miles on air journey could make this card an apparent alternative.
4. $300 Annual Journey Credit score
If the journey miles weren’t beneficiant sufficient, Capital One Enterprise X Credit score Card has a $300 Annual Journey Credit score. The credit score is earned as a press release credit score for bookings by means of Capital One Journey. The credit score can be earned after your annual charge has been paid by means of the cardboard.
The journey credit score basically reduces the $395 annual charge all the way down to solely $95. That’s a typical annual charge on non-premium playing cards, however you get a lot extra with the Capital One Enterprise X Credit score Card.
5. No International Transaction Price
Most bank cards have a international transaction charge of three%, however there is no such thing as a cost with the Capital One Enterprise X. Consider it as a 3% low cost on purchases made throughout worldwide journey only for utilizing the cardboard.
6. Referral Bonus – 100,000 Miles
This is without doubt one of the most attention-grabbing advantages provided by this card. If you refer household or mates to the Capital One Enterprise X Credit score Card, you’ll earn as much as 100,000 bonus miles once they’re authorized. Making only one authorized referral yearly provides many miles to your account.
7. Cell Telephone Safety
Capital One will reimburse you as much as $800 in case your cellular phone is stolen or broken. In your cellphone to be eligible, you could pay your month-to-month cellphone invoice utilizing the Capital One Enterprise X Credit score Card.
8. International Entry or TSA PreCheck Credit score
Capital One will present a International Entry or TSA PreCheck credit score of as much as $100 each 4 years. Just like the cellular phone safety plan, you could pay the charge utilizing the cardboard to be eligible for the credit score.
9. Capital One Eating and Capital One Leisure
Capital One Eating provides you entry to unique reservations at award-winning eating places and tickets to high culinary experiences. In the meantime, Capital One Leisure means that you can entry to music, sports activities, and eating experiences with presales and tickets.
10. Capital One Lounge
Capital One offers airport lounge entry to one of many largest airport lounge networks within the trade, with greater than 1,400 lounges. You’ll be able to benefit from Capital One Lounges, Precedence Cross, and Plaza Premium Lounges.
Visits to Capital One Lounges are limitless, with two complimentary friends per go to, then $45 for every further visitor. Entry to companion lounge networks is topic to availability but in addition presents limitless complimentary entry for 2 friends per go to.
11. Journey Reserving Value Safety
Capital One’s journey reserving worth safety program consists of the next advantages:
- Free worth drop safety: you’ll get a partial refund if you happen to e-book a flight when advisable by Capital One Journey, and there’s a worth drop after you e-book.
- Match or beat opponents’ lodge charges: Capital One Journey checks Expedia and Travelocity to make sure you get one of the best charges.
- Capital One will match a greater worth: Should you discover a higher worth than Capital One Journey presents, they’ll match the distinction. You have to report a lower cost inside 24 hours of your authentic reserving.
- Journey worth alerts: You’ll be able to set worth alerts, and Capital One will watch your flight constantly and notify you if there’s a worth drop.
12. Redeem Miles by means of 15+ Journey Loyalty Applications
Capital One Rewards Miles may be transferred to the next 16 journey loyalty packages on a 1:1 foundation:
- Aeromexico Membership Premier
- Air Canada – Aeroplan®
- Cathay Pacific – Asia Miles
- Avianca LifeMiles
- British Airways Government Membership
- Alternative Privileges®2
- Emirates Skywards
- Etihad Visitor
- Finnair Plus
- Flying Blue
- Qantas Frequent Flyer
- Singapore Airways KrisFlyer
- TAP Miles&Go
- Turkish Airways Miles&Smiles
- Virgin Crimson
- Wyndham Rewards
13. Particular Advantages on Choose Automobile Leases
Capital One presents particular advantages while you e-book a automotive rental with both Hertz or Turo, the world’s largest car-sharing market.
With Hertz, you’ll have enhanced advantages with a complimentary improve to Hertz President’s Circle standing as a Capital One Enterprise X cardholder. That can entitle you to skip the rental counter and benefit from the widest collection of automobiles they’ve out there.
Capital One Enterprise X Credit score Card Rewards: Redemption Choices
The Capital One Enterprise X Credit score Card provides you many choices for redeeming your rewards:
- E book journey (airfare, inns, and automotive leases) by means of Capital One Journey, redeemed at 1 cent per mile.
- Apply miles to journey bought throughout the earlier 90 days.
- Switch your miles to a journey loyalty companion program at a 1:1 ratio (some journey companions might present the next switch ratio).
- Present playing cards and on-line purchasing. Whereas most include a 1-cent-per-mile redemption, buying by means of Amazon or PayPal lowers the conversion to simply 0.8 cents per mile.
- Money again: Whereas that is typically essentially the most handy strategy to redeem your miles, it’s additionally the least useful. Miles may be transformed to money again at simply 0.5 cents per mile.
Capital One Enterprise X Credit score Card Charges
Annual charge: $395 – no cost for extra cardholders
Stability switch charge: 3% of the quantity transferred except Capital One offers a particular supply on steadiness transfers
Money advance charge: The larger of $10 or 3% of the quantity of every money advance
Late charge: As much as $40
How you can Apply for the Capital One Enterprise X Credit score Card
To use for the Capital One Enterprise X Credit score Card, you should be at the least 18 years previous, a authorized resident of the US, and have “glorious credit score.”
Capital One doesn’t outline the parameters for glorious credit score, however you must anticipate they’ll be searching for a rating within the vary of 720 to 740 or greater.
Relating to qualification necessities, I do know from private expertise that one of many questions they ask on the appliance is, “Have you ever been authorized for an additional Capital One card within the earlier six months?”. Since I didn’t have one other Capital One card, I can’t say for sure if having one would’ve disqualified me or anybody else. However it’s one thing to pay attention to.
Aside from the superb credit score requirement, Capital One doesn’t point out minimal employment or revenue necessities, nor different elements corresponding to debt-to-income ratios. That actually doesn’t imply you shouldn’t apply, simply know there is no such thing as a magic components guaranteeing approval.
Capital One Enterprise X Credit score Card Options
The Capital One Enterprise X Credit score Card is a high journey rewards card, however you must at all times store round earlier than you make a remaining alternative. Listed here are some various journey rewards playing cards value contemplating:
Platinum Card from American Specific
The Platinum Card from American Specific is one other high journey bank card. The cardboard comes with a reasonably excessive annual charge of $695, nevertheless it comes with a ton of rewards and advantages.
For starters, there’s a sign-up bonus of 120,000 Membership Rewards factors after you spend $15,000 throughout the first 3 months of opening your account. You’ll be able to take pleasure in 5X factors on flights and inns booked by means of American Specific Journey, plus 1X factors on all different purchases. And the Amex Platinum is presently providing 0% APR on purchases for the primary six months.
There are many different perks, together with a $200 lodge credit score, $200 airline charge credit score, and $200 in Uber Money, in addition to a $100 International Entry credit score or $85 TSA PreCheck credit score. And the cardboard presents automotive rental loss and injury insurance coverage, cellular phone safety, 24/7 International Help Hotline, journey safety, and the power to switch rewards factors to airline and lodge companions.
Chase Sapphire Reserve Card
The Chase Sapphire Reserve Card is one other high journey bank card. The annual charge sits on the average finish of the premium card vary, at $95. However you’ll earn 60,000 Final Rewards factors after you spend $4,000 in purchases throughout the first three months of opening the account, then 10X factors on inns and automotive leases and 5X factors on flights booked by means of Chase Final Rewards.
You’ll additionally earn a $300 annual journey credit score, in addition to 3X factors on different journey, 10X factors on Chase Eating, 3X factors on different eating, and 1X factors on all different purchases. Bonus factors may be redeemed for journey, reward playing cards, assertion credit, and even money. You’ll additionally take pleasure in 24/7 customer support, a $100 credit score for International Entry, TSA PreCheck or NEXUS charge, and room improve and every day breakfast at greater than 1,000 properties booked with The Luxurious Resort & Resort Assortment.
Just like the Capital One Enterprise X Credit score Card, the Chase Sapphire Reserve Card additionally offers varied purchaser journey safety plans and a beneficiant referral program. You’ll be able to earn 10,000 bonus factors for every good friend who applies and is authorized for a card, as much as 50,000 bonus factors per 12 months.
Citi Premier Card
The Citi Premier Card presents 80,000 bonus factors after spending $4,000 in purchases inside three months of opening your account. The bonus factors are redeemable for $800 in reward playing cards.
The rewards are much less beneficiant than the Capital One Enterprise X Credit score Card or the Chase Sapphire Reserve Card, however this can be a low annual charge card. You’ll be able to earn 3X factors at eating places, supermarkets, fuel stations, air journey, and inns, and 1X on all different purchases. Factors may be redeemed for journey rewards, reward playing cards, or purchasing at Amazon.com or BestBuy.com.
There’s additionally a $100 annual lodge financial savings profit as a reduction on a single lodge keep of $500 or extra. In the meantime, you possibly can switch factors to taking part airline loyalty packages. As a cardholder, you’ll additionally have the ability to benefit from Citi Leisure, providing you with particular entry to ticket purchases on 1000’s of occasions and presale tickets to live shows, sporting occasions, and eating experiences.
One of many Citi Premier Card’s finest options is its low annual charge of simply $95. And if that’s not sufficient, there aren’t any international transaction charges.
Capital One Enterprise X Credit score Card Professionals & Cons
- Beneficiant sign-up bonus
- Earn bonus miles while you e-book journey by means of Capital One.
- 10,000-mile anniversary bonus
- Referral bonus of as much as 100,000 miles
- $300 annual journey credit score.
- No international transaction charges.
- No introductory APR.
- $395 annual charge
- No collision injury waiver is obtainable on automotive leases.
Ought to You Apply for the Capital One Enterprise X Credit score Card?
Should you’re searching for an excellent journey rewards bank card, you must actually contemplate the Capital One Enterprise X Credit score Card. There are playing cards that provide greater rewards, however they typically have a lot greater annual charges.
The Capital One Enterprise X Credit score Card presents a superb package deal of rewards and advantages, contemplating the annual charge of simply $395 – which itself is on the low finish of the vary for premium journey playing cards.
The Capital One Enterprise X Credit score Card will work finest in case you are a frequent traveler. Journey is the easiest way to build up rewards miles on the cardboard and the higher strategy to redeem them on the highest worth. Should you’re not a frequent traveler, take a look at our article on the finest cashback bank cards.
Capital One Enterprise X
- Beneficiant sign-up bonus
- Earn bonus miles while you e-book journey by means of Capital One
- 10,000-mile anniversary bonus
- $300 annual journey credit score
- No international transaction charges
- No 0% introductory APR
- $395 annual charge
- No collision injury waiver is obtainable on automotive leases