Capital One Enterprise Rewards vs. Capital One Enterprise X: Is it value paying an additional $300 for extra journey perks?

The Capital One Venture Rewards Credit Card gives nice worth to occasional vacationers who need to maximize their miles-earning. The $95 annual price card (see rates and fees) earns 2 miles per greenback on all purchases and provides a Global Entry/TSA PreCheck credit.

Its flashier sibling, the $395-annual-fee Capital One Venture X Rewards Credit Card (see rates and fees), provides an enhanced journey expertise to compete with The Platinum Card® from American Express and the Chase Sapphire Reserve®.

If you happen to do not carry both card — the Enterprise Rewards or the Enterprise X — you could marvel: Do you have to apply for the well-established, crowd-pleasing Venture Rewards or go premium with the luxe Venture X?

Right here, we’ll intently look at each playing cards that will help you resolve which Capital One card is your only option.

The Venture Rewards and the Venture X have an identical welcome bonuses: 75,000 bonus Capital One miles after spending $4,000 within the first three months of account opening.

These miles are value $1,388 primarily based on TPG’s valuations, so you may get unbelievable worth from the bonus irrespective of which card you select.

Winner: Tie. Each playing cards supply the identical welcome bonus.

Associated: How to redeem 75,000 Capital One miles for maximum value

With the Venture Rewards, you may rise up to a $100 credit score for TSA PreCheck or International Entry as soon as each 4 years, in addition to rental automotive and journey accident insurance coverage, prolonged guarantee safety, Hertz Five Star status and entry to Capital One’s Lifestyle Collection of accommodations and Capital One Entertainment.

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The Venture X, conversely, comes with a stronger checklist of advantages that greater than justify its larger annual price in case you can maximize them.

As a cardholder, you may get a $300 annual credit for bookings made by way of Capital One Journey and complimentary entry to Capital One and Plaza Premium lounges for you and as much as two friends. You may additionally get a Priority Pass lounge membership to over 1,300 areas for you and limitless friends (topic to capability).

You may additionally obtain 10,000 bonus miles, value $185 based on TPG valuations, at every cardholder anniversary, together with entry to Capital One’s Lifestyle Collection and the luxurious Premier Collection of accommodations, Hertz President’s Circle status*, journey protections, prolonged guarantee and cellphone safety.

An extra good thing about the Enterprise X is that you could add a restricted variety of authorized users for no extra price (see rates and fees). These approved customers get pleasure from the identical airport lounge entry as the principle cardholder, together with complimentary entry for themselves and friends.

Winner: Enterprise X. Because the extra premium card providing, it has a way more sturdy checklist of advantages than the Enterprise Rewards.

Associated: Is the Venture X worth its annual fee?

Each the Venture Rewards and the Venture X earn bonus miles on journey booked by way of Capital One Travel and a couple of miles per greenback on all different purchases. Each playing cards additionally earn 5 miles per greenback on Capital One Leisure purchases by way of Dec. 31, 2025.

With the Enterprise Rewards, you may earn 5 miles per greenback on accommodations and rental vehicles booked by way of Capital One Journey. When you’ve got the Enterprise X, nevertheless, you may earn 10 miles per greenback on accommodations and rental vehicles booked by way of Capital One Journey, in addition to 5 miles per greenback on flights booked by way of Capital One Journey.

Winner: Enterprise X. It earns twice the miles because the Enterprise Rewards on accommodations and rental vehicles booked by way of Capital One Journey and bonus miles on flights booked by way of Capital One Journey.

Associated: How (and why) to earn lots of Capital One miles

Each the Venture Rewards and the Venture X earn Capital One miles and provide the identical redemption choices.

You may get probably the most worth by transferring your miles to one in all Capital One’s travel partners, however you may as well redeem them for a statement credit to cover travel purchases or present playing cards at a flat fee of 1 cent per mile.

Each playing cards can help you redeem your miles for money again, however you may get a a lot decrease fee of 0.5 cents per mile, so we suggest avoiding this feature every time attainable.

Winner: Tie. Each playing cards provide the identical choices to redeem and checklist of switch companions.

Associated: Should you redeem your miles directly for travel or transfer them to partners?

Top-of-the-line issues about each the Venture Rewards and the Venture X is that they can help you transfer your miles to any of Capital One’s 15-plus resort and airline companions, together with useful choices like Air France-KLM Flying Blue, British Airways Executive Club and Turkish Airlines Miles&Smiles.

And in case you can benefit from a switch bonus, you may get much more worth out of your miles. As an example, TPG factors and miles senior author Ben Smithson will get good worth from his miles by transferring them to Aeroplan and Flying Blue.

Winner: Tie. Each the Enterprise Rewards and Enterprise X switch to the identical companions on the identical charges.

Associated: How to redeem Capital One miles for maximum value

If you happen to’re centered on holding your annual price prices low, go together with the Venture Rewards. You may get a robust incomes fee, the flexibility to benefit from Capital One’s switch companions, and a few journey advantages for only a $95 annual price (see rates and fees). Nevertheless, if you would like airport lounge entry and may maximize its $300 annual credit score, the Venture X is the higher selection.

Associated: Who should (and shouldn’t) get the Venture X

If you have already got the Venture Rewards and need to improve to the Venture X, you may name the quantity on the again of your card and request a product change. You will not have the ability to benefit from your new card’s welcome supply by going this route, nevertheless it’s a great way to get extra advantages with out worrying about eligibility.

Associated: 4 things to consider before upgrading your credit card

Each the Venture Rewards and the Venture X are glorious journey rewards playing cards that earn bonus factors on Capital One Journey purchases and a couple of miles per greenback on all different purchases. The Enterprise X is a good card for individuals who can benefit from its airport lounge entry and annual credit score, whereas the Enterprise Rewards is a greater match for anybody trying to hold their annual price prices low. You may get strong journey advantages and earn useful transferable rewards no matter which card you select.

For extra particulars, learn our full Venture Rewards and Venture X opinions.

Study Extra: Capital One Venture

Study Extra: Capital One Venture X

For Capital One merchandise listed on this web page, a few of the above advantages are supplied by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

*Upon enrollment, accessible by way of the Capital One web site or cellular app, eligible cardholders will stay at upgraded standing stage by way of Dec. 31, 2024. Please notice, enrolling by way of the traditional Hertz Gold Plus Rewards enrollment course of (e.g., at Hertz.com) is not going to routinely detect a cardholder as being eligible for this system and cardholders is not going to be routinely upgraded to the relevant standing tier. Further phrases apply.