Capital One Enterprise X Enterprise Credit score Card assessment: Full particulars

The Capital One Enterprise X Enterprise is the enterprise model of the fan-favorite Capital One Enterprise X Rewards Credit score Card. Like its private counterpart, the Enterprise X Enterprise presents luxurious perks for an affordable annual price and a easy incomes construction of a minimum of 2 miles per greenback on all purchases. It is a nice possibility for small-business homeowners who worth simplicity. Card score*: ⭐⭐⭐⭐½

* Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

Since its debut in 2021, the Capital One Enterprise X Rewards Card has been a serious participant within the premium card area, providing luxurious advantages like airport lounge entry and a invaluable journey credit score for a comparatively low annual price.

And since 2023, the Capital One Enterprise X Enterprise has been publicly out there. It comes with the identical $395 annual price (see Enterprise X Enterprise charges and charges; Enterprise X charges and charges) and lots of the similar advantages we have come to like within the Enterprise X. It consists of beneficiant airport lounge entry, annual credit score and the choice so as to add a restricted variety of licensed customers for no extra price.

The foremost distinction between the non-public and enterprise choices, nonetheless, is the welcome provide. The Enterprise X Enterprise is available in swinging with a invaluable welcome provide — together with an eyebrow-raising spending requirement to earn it.

This card requires a superb credit score rating, which Capital One defines as 800 or above.

Here is what it is advisable to know in case you’re contemplating making use of for the Capital One Enterprise X Enterprise card.

The Capital One Enterprise X Enterprise is providing an enormous bonus to those that can meet its lofty spending requirement. New candidates can earn as much as 300,000 bonus Capital One miles: 150,000 bonus miles after spending $20,000 within the first three months from account opening and one other 150,000 after spending $100,000 within the first six months. That is the highest provide we have seen on the cardboard.

You’ll be able to redeem Capital One miles for an announcement credit score to cowl journey purchases at a flat fee of 1 cent per mile. For those who select this route, the complete 300,000-mile bonus is value a formidable $3,000.

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However in case you make the most of the choice to switch your miles to Capital One’s invaluable resort and airline companions, you will get a a lot increased worth of $5,550 from this bonus, based on TPG’s valuations.

Associated: The best way to apply for a Capital One enterprise bank card

The Enterprise X Enterprise has lots of the similar perks which have made its private counterpart so fashionable. As a cardholder, you will get:

For those who can maximize these advantages, you will simply justify the cardboard’s $395 annual price (see charges and charges). Those that spend vital time within the Dallas Fort Value, Dulles or Denver airports will admire this card’s limitless entry to the Capital One Lounges since a single go to usually prices $65.

Associated: An entire information to Capital One’s airport lounges

With the Enterprise X Enterprise, you will earn:

• 10 miles per greenback on motels and rental vehicles booked by means of Capital One Journey
• 5 miles per greenback on flights bought by means of Capital One Journey
• 2 miles per greenback on all different purchases

This straightforward incomes construction means you will not have to fret about whether or not your buy falls in a bonus-earning class. Nevertheless, suppose you spend a lot of your corporation price range in classes like transport and promoting. In that case, you would possibly discover that you will get a greater return on a unique enterprise bank card.

Associated: Concerns in your small-business bank card technique

Your most respected redemption possibility is to switch your miles to any of Capital One’s 15-plus resort and airline companions.

Nevertheless, you can even redeem your miles to guide journey by means of Capital One Journey, for a assertion credit score to cowl journey purchases or to buy reward playing cards at a flat fee of 1 cent per mile. You’ll be able to redeem your miles for money again, however you will get a a lot decrease worth of 0.5 cents per mile with this selection, so we suggest avoiding it every time potential.

Associated: Must you switch Capital One miles to companions or redeem instantly for journey?

Once more, essentially the most invaluable redemption possibility is to switch your miles to considered one of Capital One’s journey companions. You could have 15-plus resort and airline applications to select from, together with Air Canada Aeroplan, Singapore Airways KrisFlyer and Alternative Privileges.

TPG senior bank cards editor Matt Moffitt likes to switch his miles to Air France-KLM Flying Blue to get good offers on business-class flights to Europe and British Airways Government Membership for nonstop American Airways flights inside the U.S.

Associated: One of the best methods to maximise Capital One miles

In order for you extra business-related perks or do not spend sufficient to earn the welcome bonus on the Enterprise X Enterprise, considered one of these playing cards could be a greater match:

For extra choices, see our full lists of the greatest enterprise bank cards and the greatest journey rewards bank cards.

Associated: Capital One Enterprise X vs. Enterprise X Enterprise

The Capital One Enterprise X Enterprise is a superb possibility for small-business homeowners who put a big quantity of spending on their bank card and wish the simplicity of a flat incomes fee on all their purchases. Nevertheless, those that will not meet the spending requirement to earn the cardboard’s welcome bonus or wish to earn extra on particular enterprise purchases ought to go for a unique card.

Apply right here: Capital One Enterprise X Enterprise