I’ve simply paid my third annual price for the Capital One Enterprise X Rewards Credit score Card, and I did so with zero hesitation.
The reason being easy: Yr after 12 months, this card basically pays me to maintain it open, and I come out forward.
This is why this card has been one of the rewarding I’ve ever held — lengthy after the thrill of the first-year welcome bonus wore off — and why I plan to maintain it for years to return.
Associated: Capital One Enterprise Rewards vs. Capital One Enterprise X: Value the additional $300?
Why I am glad to pay the annual price once more
Whereas the $395 annual price on the Enterprise X will not be insignificant, it’s decrease than the annual price of most rivals’ premium playing cards.
In my second 12 months, I utilized the cardboard’s advantages to acquire almost $800 in worth from a Caribbean winter getaway to the attractive, sunny island of Grenada, together with my prices for TSA PreCheck and World Entry, which I am loving as they proceed to save lots of me a big period of time each time I go via a U.S. airport.
Listed here are the advantages I worth in my third 12 months of card membership:
Annual credit score: $300 in credit every cardmember 12 months for bookings made via the Capital One Journey portal.Anniversary bonus: 10,000 bonus miles each account anniversary (beginning on my first anniversary), value $185 by TPG’s December 2025 valuations.Lounge entry: Complimentary entry for myself plus as much as two friends to Capital One Lounges and over 1,800 Precedence Go lounges. Sadly, visitor lounge entry can be tightened in 2026.Spectacular portal incomes charges: I earn 10 miles per greenback spent on lodges and automotive leases, and 5 miles per greenback spent on trip leases and flights booked through Capital One Journey.Terrific on a regular basis incomes charges: I earn 2 miles per greenback spent on all different purchases.
Reward your inbox with the TPG Every day publication
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
By signing up, you’ll obtain newsletters and promotional content material and comply with our Phrases of Use and acknowledge the information practices in our Privateness Coverage. Chances are you’ll unsubscribe at any time.
The $300 Capital One Journey credit score and 10,000 anniversary miles simply cowl the $395 annual price for me annually, so the lounge entry and beneficiant incomes charges push me additional forward as I earn tens of hundreds of Capital One miles on this card over and above the anniversary bonus annually.
Associated: Highest supply in 4 years: Simply how good is the Capital One Enterprise X’s 100,000‑mile bonus?
Enterprise X is the default in my pockets
I’ve numerous journey bank cards with completely different perks and incomes charges. It may be exhausting making an attempt to recollect which card earns bonus rewards each time I have to pay for one thing, particularly if there is a line of individuals behind me in a busy cafe or bar.
My Enterprise X card earns 2 miles per greenback spent on all purchases, which is larger than another card I personal, together with the favored Chase Sapphire Most well-liked® Card (see charges and charges). That is why I’ve set it because the default card in my Google Pay app.
My husband is a licensed person on all of my playing cards, and whereas he loves the advantages of redeeming factors and miles, like snagging an award seat in Qatar Airways’ Qsuite enterprise class, he is not almost as obsessive about bank cards as I’m.
It is not logical for him to memorize incomes charges throughout a number of playing cards, so I’ve set him up with the Enterprise X card as his default card in Google Pay. This fashion, when unsure, he can merely faucet to pay and earn 2 miles per greenback spent.
How I am maximizing my Enterprise X as a third-year cardholder
In 2026, I’m planning a tour of the Kentucky Bourbon Path.
I am going to use the $300 journey credit score from my Enterprise X to cut back the resort prices in Lexington, the place the excursions depart from. As I will be staying a number of nights, the overall lodging prices will seemingly exceed $300. Nevertheless, for any out-of-pocket resort prices over that quantity, I am going to earn 10 miles per greenback spent by reserving my keep via the Capital One Journey portal.
I will fly into Cincinnati/Northern Kentucky Worldwide Airport (CVG) on British Airways from London, so I’ll use the ten,000 anniversary miles (in addition to tens of hundreds of miles I’ve earned on the cardboard within the final 12 months) to pay for the flights by transferring them to the British Airways Membership program at a 1:1 ratio.
Provided that I am going to want a automotive to drive from Cincinnati to Lexington, I am going to e-book this via Capital One Journey as effectively, each to earn 10 miles per greenback spent and to benefit from the built-in auto rental collision injury waiver, which I hopefully will not want to make use of.
Associated: Bourbon tasting and baseball bats: Why Louisville is the proper vacation spot for a father-daughter journey
Backside line
My Enterprise X card retains its place because the go-to card in my pockets as a result of its worth outweighs the annual price.
And at present, new candidates can earn a best-ever welcome bonus of 100,000 bonus miles after spending $10,000 on purchases inside the first six months of account opening, so should you’ve ever thought-about including this card to your pockets, there’s by no means been a greater time to use now.
