The Capital One Enterprise X Rewards Credit score Card has established a fame as a strong journey rewards card, providing its members stellar advantages like a journey credit score, strong reward-earning charges and lounge entry.
In truth, the Enterprise X has grow to be famend for its beneficiant lounge entry coverage for each licensed customers and the first cardholder’s company. Sadly, nevertheless, that is altering in an enormous manner beginning February 2026 (extra on that later).
Let’s dive in and focus on why including accountable licensed customers to your Enterprise X is perhaps a wise transfer and the way it could make your card much more precious whenever you consider its myriad perks.
Enterprise X overview
At present, new Enterprise X candidates can earn 100,000 miles after spending $10,000 on purchases inside the first six months of account opening. Based on our December 2025 valuations, this provide is valued at $1,850.
With regards to incomes charges, cardholders will get pleasure from:
10 miles per greenback spent on motels and rental automobiles booked by way of Capital One Travel5 miles per greenback spent on flights and trip leases booked via Capital One Travel2 miles per greenback spent throughout all different purchases
At $395 a yr, the Enterprise X presents cardholders with glorious worth whenever you take the annual $300 Capital One Journey credit score under consideration, which nearly totally negates the annual payment. That is along with a ten,000-mile anniversary bonus annually, which, per TPG’s December 2025 valuations, is value $185.
Between these two advantages alone, you totally cowl the price of holding the Enterprise X.
Then there’s airport lounge entry: Enterprise X cardholders obtain limitless entry to Capital One Lounges for themselves and as much as two company at no additional value. Every further visitor after the preliminary two will incur a price of $45 per particular person.*
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Cardholders can even obtain a Precedence Move membership that grants them, and as much as two accompanying company, entry to greater than 1,300 Precedence Move lounges worldwide.*
*Capital One and Precedence Move lounge entry will change beginning Feb. 1, 2026.
Associated: 6 issues to do whenever you get the Capital One Enterprise X
Enterprise X lounge coverage modifications
However huge damaging modifications are coming to the Enterprise X’s lounge entry profit subsequent yr.
Starting Feb. 1, Enterprise X cardholders will nonetheless have entry to Capital One Lounges and Precedence Move lounges; nevertheless, they are going to be charged for any further company they carry. Likewise, licensed customers will not obtain complimentary lounge entry.
As a substitute, major cardholders should pay an annual $125 payment per licensed person (for as much as 4 customers) to ensure that them to obtain entry to Capital One Lounges, Capital One Landings and Precedence Move lounges.
Moreover, major cardholders and licensed customers will not have the ability to herald company to Capital One lounges without spending a dime until they spend not less than $75,000 on their Enterprise X card in a calendar yr. In any other case, company will value $45 per grownup and $25 for youngsters 17 and youthful. (Youngsters beneath 2 proceed to enter without spending a dime.)
Equally, Precedence Move visitor entry will not be complimentary. As a substitute, card members can pay $35 per visitor, even when they spend $75,000 or extra on their card.
Enterprise X advantages that apply to further cardholders
Whereas the Enterprise X’s $395 annual payment could seem excessive on paper, one key profit is the power so as to add as much as 4 licensed customers for no further cost.
That is essential contemplating the American Specific Platinum Card® and the Chase Sapphire Reserve® (see charges and charges) each cost $195 per licensed person (see charges and charges for the Amex Platinum). This makes the Enterprise X a way more reasonably priced various, even in the event you pay $125 per licensed person for lounge entry beginning in February 2026.
Airport lounge entry (for now)
In the intervening time, cardholders and licensed customers obtain entry to Capital One’s lounges at:
The facilities in these areas — similar to Peloton bikes and premium, domestically sourced meals — are excellent.
One motive that the Enterprise X has secured its place as essentially the most beneficiant lounge entry card available on the market is that licensed customers get pleasure from the identical lounge entry privileges as the first cardholder. That’s, till February rolls round.
You may at the moment add 4 free licensed customers to your card. Every licensed person can go to all of the lounges listed above and produce their very own company.
However once more, this can change in February 2026 when the cardboard loses visitor lounge entry. Additionally, you will need to pay $125 per licensed person so as to share lounge entry.
Associated: The ten greatest Precedence Move lounges world wide
Complimentary Hertz President’s Circle elite standing
Hertz’s partnership with Capital One grants complimentary Hertz President’s Circle elite standing** to Enterprise X major cardholders and licensed customers. This top-tier standing will get you a assured one-class automobile improve, 50% bonus factors on all leases, entry to a broader vary of automobiles and a devoted customer support line.
Eligible cardholders should enroll via the Capital One web site or cellular app. Cardholders can register by visiting their eligible card’s “Rewards” tab or “Capital One Journey Advantages” tab and clicking on the Hertz profit tile. Main cardholders should enroll licensed customers via this identical course of.
You may as well stack this profit with the power to earn additional miles on rental automobile bookings made with Capital One Journey. You may get your Hertz perks and earn 10 miles per greenback spent on leases booked with Capital One Journey; this is not a stacking mixture accessible with different playing cards, portals or rental businesses. On this manner, you are assured the very best of each worlds.
**Upon enrollment, accessible via the Capital One web site or cellular app, eligible cardholders will stay at that standing stage via the period of the provide. Please be aware that enrolling via the conventional Hertz Gold Plus Rewards enrollment course of (e.g., at hertz.com) is not going to robotically detect a cardholder as being eligible for this system, and cardholders is not going to be robotically upgraded to the relevant standing tier. Extra phrases apply.
Buy and journey protections
The Enterprise X is a Visa Infinite card, so there are a number of essential journey and buy protections that each the first cardholder and licensed customers can depend on.
Cellphone safety: Obtain as much as $800 in protection per declare, with a most of two claims and $1,600 per 12-month interval. A $50 deductible applies per prevalence.Misplaced baggage reimbursement: Obtain as much as $3,000 per lined journey if the airline damages or loses your baggage.Main rental automobile insurance coverage: Obtain as much as $75,000 attributable to injury attributable to collision or theft to a rental automobile.Buy, prolonged guarantee and return protections: Obtain as much as $10,000 per declare and $50,000 per account on purchases. Warranties are prolonged by an extra yr. Return protections are for as much as $300 per merchandise and $1,000 per account.Journey cancellation and interruption insurance coverage: Obtain as much as $2,000 per particular person for pay as you go, nonrefundable tickets for you and rapid members of the family.Journey delay reimbursement: Obtain as much as $500 per particular person for affordable bills, similar to resort rooms, meals, toiletries, or clothes, when your flight is delayed in a single day or by six hours or extra.
Advantages that Enterprise X licensed customers do not obtain
Licensed customers on the Enterprise X don’t obtain their very own $300 annual credit score or one other International Entry or TSA PreCheck utility payment credit score. Every of those is restricted to a single credit score per account. Likewise, solely the first cardholder will obtain the ten,000-mile anniversary bonus.
That stated, licensed customers’ spending earns Capital One miles on the identical charges as the first card, and their purchases depend towards the cardboard’s minimal spending requirement to earn the introductory bonus. So, including customers to your account and having them spend (responsibly) in your behalf may aid you snag these 100,000 bonus miles sooner.
Find out how to add licensed customers to your Enterprise X
When you determine so as to add licensed customers to your Enterprise X, go to your Capital One account and search for the “I Need To” button on the correct facet of the display screen. Then, click on “Add Account Person.”
You will then need to determine the extent of entry you wish to present to your licensed person. You might have two choices:
Account managerAuthorized person
This is what major cardholders, account managers and licensed customers can entry.
When you assessment the choices and make your choice, you may enter your licensed person’s first and final title, telephone quantity, date of delivery and Social Safety quantity.
Backside line
The Capital One Enterprise X offers beneficiant advantages to licensed customers. One of the best half is that you could add 4 further cardholders at no further value, making the Enterprise X reasonably priced for bigger households and teams.
Sadly, nevertheless, the cardboard’s lounge entry insurance policies are altering on Feb. 1, 2026. After this, you possibly can not convey company into Capital One Lounges, and you will have to pay $125 per licensed person to share your lounge entry advantages with them.
For extra info, learn our full assessment of the Capital One Enterprise X.
Study extra: Capital One Enterprise X Rewards Credit score Card
For Capital One merchandise listed on this web page, a few of 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.
For charges and charges of the Amex Platinum, click on right here.
