The Capital One Enterprise Rewards Credit score Card gives nice worth to occasional vacationers who wish to maximize the miles they earn. This card incorporates 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, gives 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 charges).
For those who do not carry both card — the Enterprise Rewards or the Enterprise X — you could surprise: Must you apply for the well-established, crowd-pleasing Enterprise Rewards or go premium with the luxe Enterprise X?
Let’s look at each playing cards that will help you determine which Capital One card is the best choice.
Capital One Enterprise Rewards vs. Capital One Enterprise X comparability
5 miles per greenback spent on resorts, trip leases and rental vehicles booked by Capital One Journey
5 miles per greenback spent on Capital One Leisure purchases (by Dec. 31, 2025)
2 miles per greenback spent on all different eligible purchases
10 miles per greenback spent on resorts and rental vehicles booked by Capital One Journey
5 miles per greenback spent on flights and trip leases booked by Capital One Journey
5 miles per greenback spent on Capital One Leisure purchases (by 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 Life-style Assortment resort bookings
As much as $120 credit score for International Entry or TSA PreCheck
Entry to Capital One Premier Assortment and Life-style Assortment resort bookings
As much as a $300 annual credit score for bookings made by Capital One Journey
Entry to Capital One lounges and a Precedence Move membership
10,000 bonus miles at every cardholder anniversary
Free further cardholders
International transaction feesNoneNone
Capital One Enterprise Rewards vs. Capital One Enterprise X welcome supply
The Enterprise Rewards and Enterprise X have the identical welcome supply: New cardholders can earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.
Each gives are price $1,388 primarily based on TPG’s August 2025 valuations, so you may get strong worth from the bonus irrespective of which card you select.
Winner: Tie. Each playing cards present the identical welcome supply.
Associated: Easy methods to redeem Capital One’s 75,000 bonus miles welcome supply 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 Life-style Assortment of resorts and Capital One Leisure.
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Conversely, the Enterprise X has a stronger listing of advantages that greater than justify its increased annual price when you can maximize them.
As a cardholder, you may get a $300 annual credit score for bookings made by Capital One Journey.
At the moment, Enterprise X cardholders and their approved customers get complimentary entry to Capital One lounges and might carry two visitors totally free. Beginning Feb. 1, 2026, you may have to spend $75,000 in a calendar 12 months to maintain free visitor entry; in any other case, adults will price $45 every, kids 17 and underneath $25, and kids underneath 2 stay free.
With the Enterprise X, you may additionally get a Precedence Move lounge membership to over 1,700 places worldwide. Friends can once more be a part of at no further price till Jan. 31, 2026, after which you may should pay $35 per visitor.
An extra good thing about Enterprise X is you can add a restricted variety of approved customers for no further price. Nonetheless, beginning Feb. 1, 2026, if you’d like your approved consumer to have lounge entry, you may should pay $125 for the privilege.
You may additionally obtain 10,000 bonus miles, price $185 in accordance with TPG’s August 2025 valuations, at every cardholder anniversary, together with entry to Capital One’s Life-style Assortment and the posh Premier Assortment of resorts, journey protections, prolonged guarantee safety and cellphone safety.
Winner: Enterprise X. Because the extra premium card providing, it has a way more strong listing of advantages than the Enterprise Rewards.
Associated: Is the Capital One Enterprise X well 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 by 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 (by Dec. 31, 2025).
With the Enterprise Rewards, you may earn 5 miles per greenback spent on resorts, trip leases and rental vehicles booked by Capital One Journey. Nonetheless, you probably have the Enterprise X, you may earn 10 miles per greenback spent on resorts and rental vehicles booked by Capital One Journey and 5 miles per greenback spent on flights and trip leases booked by the identical portal.
Winner: Enterprise X. It earns double the miles because the Enterprise Rewards on resorts and rental vehicles booked by Capital One Journey. The Enterprise X additionally earns bonus miles on flights booked by Capital One Journey, whereas the Enterprise Rewards doesn’t.
Associated: 7 forms of purchases it’s best to make along 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 may get essentially the most worth by transferring your miles to one in all Capital One’s 15-plus switch companions, however you can even redeem them for an announcement credit score to cowl journey purchases or present playing cards at a flat fee of 1 cent per mile.
Each playing cards mean you can redeem your miles for money again, however you may get a a lot decrease fee of 0.5 cents per mile, so we advocate avoiding this selection every time potential.
Winner: Tie. Each playing cards provide the similar choices to redeem your miles.
Associated: Must you switch Capital One miles to companions or redeem immediately for journey?
Transferring miles with the Capital One Enterprise Rewards vs. Capital One Enterprise X
Top-of-the-line issues about each the Enterprise Rewards and the Enterprise X is that they mean you can switch your miles to one in all Capital One’s 15-plus resort and airline companions, together with precious choices like Air France-KLM Flying Blue, British Airways Membership and Turkish Airways Miles&Smiles.
And when you can reap the benefits of a welcome bonus, you may get much more worth out of your miles. As an illustration, TPG senior factors and miles author Ben Smithson will get strong 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? Easy methods to get the utmost worth when redeeming miles
Ought to I get the Capital One Enterprise Rewards or Capital One Enterprise X?
For those who’re targeted on holding your annual price prices low, go along with the Enterprise Rewards. You may get a powerful incomes fee, the flexibility to reap the benefits of Capital One’s switch companions and a few journey advantages for only a $95 annual price. Nonetheless, if you’d 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?
Easy methods 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 may name the quantity on the again of your card and request a product change. You will not be capable to reap the benefits of your new card’s welcome supply, but it surely’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 by the identical technique.
Associated: How Enterprise X saved me over $6,000 on a summer season 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 reap the benefits of its airport lounge entry and annual journey credit score, whereas the Enterprise Rewards is a greater match for anybody trying to hold their annual price prices low. No matter which card you select, you may get strong journey advantages and earn precious transferable rewards.
To be taught extra, learn our full evaluations 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 should range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
