The Capital One Enterprise Rewards Credit score Card gives nice worth to occasional vacationers who wish to maximize the miles they earn. This card contains a $95 annual price 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, provides an enhanced journey expertise to compete with different premium merchandise like The Platinum Card® from American Specific and the Chase Sapphire Reserve® (see charges and costs).
In case you do not carry both card — the Enterprise Rewards or the Enterprise X — you might marvel: Must you 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 best choice.
Capital One Enterprise Rewards vs. Capital One Enterprise X comparability
5 miles per greenback spent on lodges, trip leases and rental automobiles booked via Capital One Journey
5 miles per greenback spent on Capital One Leisure purchases (via Dec. 31, 2025)
2 miles per greenback spent on all different eligible purchases
10 miles per greenback spent on lodges and rental automobiles booked via Capital One Journey
5 miles per greenback spent on flights and trip leases booked via Capital One Journey
5 miles per greenback spent on Capital One Leisure purchases (via Dec. 31, 2025)
2 miles per greenback spent on all different eligible purchases
Different advantages
As much as $120 credit score for International Entry or TSA PreCheck
Entry to Way of life Assortment resort bookings
As much as $120 credit score for International Entry or TSA PreCheck
Entry to Capital One Premier Assortment and Way of life Assortment resort bookings
As much as a $300 annual credit score for bookings made via Capital One Journey
Entry to Capital One lounges and a Precedence Move membership
10,000 bonus miles at every cardholder anniversary
Free further cardholders
Overseas transaction feesNoneNone
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 provides are price $1,388 based mostly on TPG’s August 2025 valuations, so you may get stable worth from the bonus irrespective of which card you select.
Winner: Tie. Each playing cards present the identical welcome provide.
Associated: Tips on how to redeem Capital One’s 75,000 bonus miles welcome provide for optimum worth
Capital One Enterprise Rewards vs. Capital One Enterprise X advantages
With the Enterprise Rewards, you may stand up to a $120 credit score for TSA PreCheck or International Entry, in addition to rental automotive and journey accident insurance coverage, prolonged guarantee safety and entry to Capital One’s Way of life Assortment of lodges and Capital One Leisure.
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Conversely, the Enterprise X has a stronger checklist of advantages that greater than justify its greater annual price in the event you can maximize them.
As a cardholder, you may get a $300 annual credit score for bookings made via Capital One Journey.
At present, Enterprise X cardholders and their approved customers get complimentary entry to Capital One lounges and might deliver two friends without cost. Beginning Feb. 1, 2026, you may must spend $75,000 in a calendar 12 months to maintain free visitor entry; in any other case, adults will value $45 every, youngsters 17 and below $25, and youngsters below 2 stay free.
With the Enterprise X, you may additionally get a Precedence Move lounge membership to over 1,700 areas worldwide. Company can once more be part of at no further value till Jan. 31, 2026, after which you may need to pay $35 per visitor.
An extra advantage of Enterprise X is which you can add a restricted variety of approved customers for no further price. Nevertheless, beginning Feb. 1, 2026, if you would like your approved person to have lounge entry, you may need to pay $125 for the privilege.
You will additionally obtain 10,000 bonus miles, price $185 based on 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 lodges, journey protections, prolonged guarantee safety and cellphone safety.
Winner: Enterprise X. Because the extra premium card providing, it has a way more strong checklist of advantages than the Enterprise Rewards.
Associated: Is the Capital One Enterprise X definitely worth the $395 annual price?
Incomes miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
Each the Enterprise Rewards and the Enterprise X earn bonus miles on journey booked via Capital One Journey and a couple of miles per greenback spent on all different purchases. Each playing cards additionally earn 5 miles per greenback spent on Capital One Leisure purchases (via Dec. 31, 2025).
With the Enterprise Rewards, you may earn 5 miles per greenback spent on lodges, trip leases and rental automobiles booked via Capital One Journey. Nevertheless, in case you have the Enterprise X, you may earn 10 miles per greenback spent on lodges and rental automobiles 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 lodges and rental automobiles 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 varieties of purchases you need to make together with your Capital One Enterprise Rewards card
Redeeming miles on the Capital One Enterprise Rewards vs. Capital One Enterprise X
Each the Enterprise Rewards and the Enterprise X earn Capital One miles and provide the similar redemption choices.
You will get essentially the most worth by transferring your miles to certainly one of Capital One’s 15-plus switch companions, however you can even redeem them for an announcement credit score to cowl journey purchases or reward playing cards at a flat charge of 1 cent per mile.
Each playing cards permit you to redeem your miles for money again, however you may get a a lot decrease charge of 0.5 cents per mile, so we suggest avoiding this selection at any time when doable.
Winner: Tie. Each playing cards provide the similar choices to redeem your miles.
Associated: Must you switch Capital One miles to companions or redeem straight for journey?
Transferring miles with the Capital One Enterprise Rewards vs. Capital One Enterprise X
The most effective issues about each the Enterprise Rewards and the Enterprise X is that they permit you to switch your miles to certainly one of Capital One’s 15-plus resort and airline companions, together with helpful choices like Air France-KLM Flying Blue, British Airways Membership and Turkish Airways Miles&Smiles.
And in the event you can make the most of a welcome bonus, you may get much more worth out of your miles. For example, TPG senior factors and miles author Ben Smithson will get stable 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 similar charges.
Associated: Cashing in Capital One miles? Tips on how to get the utmost worth when redeeming miles
Ought to I get the Capital One Enterprise Rewards or Capital One Enterprise X?
In case you’re targeted on preserving your annual price prices low, go along with the Enterprise Rewards. You will get a robust incomes charge, the power to make the most of Capital One’s switch companions and a few journey advantages for only a $95 annual price. Nevertheless, if you would like airport lounge entry and might maximize its $300 annual credit score, the Enterprise X is the higher alternative.
Associated: Who ought to (and should not) get the Capital One Enterprise X card?
Tips on how to improve from the Capital One Enterprise Rewards to the Capital One Enterprise X
If you have already got Enterprise Rewards and wish to improve to Enterprise X, you’ll be able to name the quantity on the again of your card and request a product change. You will not have the ability to make the most of your new card’s welcome provide, nevertheless it’s a great way to get extra advantages with out worrying about eligibility.
You may also 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
Each the Enterprise Rewards and the Enterprise X are wonderful journey rewards playing cards that earn bonus miles on Capital One Journey purchases and not less than 2 miles per greenback on all different purchases.
The Enterprise X is a good 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 price prices low. No matter which card you select, you may get stable journey advantages and earn helpful transferable rewards.
To be taught extra, learn our full critiques of the Enterprise Rewards and Enterprise X.
Study extra: Capital One Enterprise Rewards
Study extra: Capital One Enterprise X
For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and will range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
