Since its 2021 launch, the Capital One Enterprise X Rewards Credit score Card has developed a strong fan base with its premium perks and cheap annual payment. And in 2023, the Enterprise X Enterprise burst onto the scene with most of the identical advantages we love in regards to the Enterprise X for a similar $395 annual payment (see Enterprise X Enterprise charges and charges; Enterprise X charges and charges).

At first look, the Enterprise X Enterprise seems nearly similar to the Enterprise X — simply with a better welcome bonus and far increased spending requirement. However there are just a few different variations between the playing cards that may doubtless put one forward of the opposite for you.

This is what you should know earlier than selecting the Enterprise X or the Enterprise X Enterprise.

Enterprise X vs. Enterprise X Enterprise comparability

Enterprise X vs. Enterprise X Enterprise welcome bonus

Each the Enterprise X and the Enterprise X Enterprise include precious welcome bonuses. New Enterprise X cardholders will get 75,000 bonus miles after spending $4,000 within the first three months of account opening. TPG values Capital One miles at 1.85 cents every, making this bonus price $1,388.

The Enterprise X Enterprise, alternatively, comes with a a lot increased welcome bonus together with a considerably increased spending requirement. New cardholders will get 150,000 bonus miles after spending $30,000 within the first three months of account opening. This bonus is price $2,775, in keeping with TPG valuations.

Whereas you do not have to be a conventional enterprise proprietor so as to qualify for a enterprise bank card, the spending requirement for the Enterprise X Enterprise welcome bonus appears to be geared extra towards conventional enterprise house owners who put important spending on their card. If you cannot hit the excessive spending requirement and earn the upper bonus, you will need to go along with the Enterprise X for its simpler path to a precious bonus.

Winner: Enterprise X Enterprise. In case you can meet the spending requirement, you will get double the bonus that you’d with the Enterprise X.

Associated: 10 methods to satisfy a spending requirement

Enterprise X vs. Enterprise X Enterprise advantages

Initially, each the Enterprise X and Enterprise X Enterprise seem to have the identical record of advantages. Irrespective of which card you select, you will get:

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Nonetheless, the 2 playing cards even have some key variations in the advantages they provide.

Essentially the most important edge the Enterprise X has is that approved customers get the identical airport lounge entry as the first cardholder, together with entry for as much as two visitors per go to. Moreover, the Enterprise X comes with Hertz President’s Circle standing* and cellphone safety.

In the meantime, the Enterprise X Enterprise does not prolong airport lounge advantages to approved customers however contains entry to Precedence Cross eating places.

One other method they differ is that the Enterprise X is a Visa Infinite card, whereas the Enterprise X Enterprise is a World Elite Mastercard. Each include precious advantages, however this might be a figuring out distinction for you.

As a Visa Infinite card, the Enterprise X provides cardholders extra automobile rental privileges, entry to the Visa Infinite Luxurious Lodge Assortment, Visa Infinite Concierge, major rental automobile insurance coverage, journey cancellation and interruption insurance coverage, misplaced baggage reimbursement, and prolonged guarantee and buy safety.

As a World Elite Mastercard, the Enterprise X Enterprise provides cardholders extra service provider provides, World Elite Concierge, rental automobile standing, a ShopRunner membership, entry to the Mastercard Luxurious Accommodations & Resorts Portfolio and cellphone safety.

Be aware that whereas the Enterprise X Enterprise does not have cellphone safety in its advantages record, cardholders obtain cellphone safety as one in all their World Elite Mastercard perks.

The community distinction may appear minor, however with so many different similarities, this distinction may be what suggestions the scales in favor of 1 card over the opposite for you. As an example, anybody who spends important cash at Costco and desires to earn miles on these purchases will need to select the Enterprise X since Costco solely accepts playing cards within the Visa community.

Winner: Enterprise X. The worth potential of lounge entry for approved customers and Visa Infinite journey protections makes its advantages record price greater than that of the Enterprise X Enterprise.

Incomes miles on the Enterprise X vs. Enterprise X Enterprise

Each the Enterprise X and the Enterprise X Enterprise have the identical incomes charges:

• 10 miles per greenback on lodges and rental automobiles booked by Capital One Journey
• 5 miles per greenback on flights bought by Capital One Journey
• 2 miles per greenback on all different purchases

Since each playing cards have the identical incomes charges, if you wish to earn bonus rewards on any particular classes, corresponding to eating, basic journey or different widespread enterprise bills, you will doubtless need to discover totally different card choices.

Winner: Tie. Each playing cards have the identical incomes construction.

Associated: The perfect bank cards for every spending class

Redeeming miles on the Enterprise X vs. Enterprise X Enterprise

Each the Enterprise X and the Enterprise X Enterprise earn transferable Capital One miles and have the identical redemption choices.

Essentially the most precious redemption possibility is to switch your miles to any of Capital One’s 18 resort and airline journey companions.

Each playing cards additionally provide the less complicated choice to redeem your miles for a press release credit score to cowl journey bills or for reward playing cards at a price of 1 cent per mile. You can too redeem your miles for money again, however you will solely get 0.5 cents per mile, so we suggest avoiding this redemption route as a lot as doable.

Winner: Tie. Each playing cards have the identical redemption choices.

Associated: Do you have to switch your Capital One miles or redeem them immediately for journey?

Transferring miles with the Enterprise X vs. Enterprise X Enterprise

Each the Enterprise X and the Enterprise X Enterprise earn miles that you could switch to any of Capital One’s 18 resort and airline companions, together with choices like Air Canada Aeroplan, Avianca LifeMiles and Wyndham Rewards.

TPG’s personal Kyle Olsen and Matt Moffitt each recognize the choice to switch their miles to Air France-KLM Flying Blue to get nice worth on business-class flights to Europe, particularly after they can make the most of a switch bonus. With the wide selection of choices obtainable, you will simply discover a switch possibility that works along with your journey preferences and objectives.

Winner: Tie. Each playing cards have the identical switch choices.

Associated: How one can maximize your Capital One miles

Ought to I get the Enterprise X or the Enterprise X Enterprise?

In case you can meet the spending requirement to earn the welcome bonus and wish Precedence Cross restaurant entry, the Enterprise X Enterprise is probably going your higher possibility. Nonetheless, in order for you your approved customers to have their very own airport lounge entry, the Enterprise X is your winner. And should you desire Visa Infinite advantages, you will need to go along with the Enterprise X, however World Elite Mastercard followers will need to select the Enterprise X Enterprise.

Backside line

The Enterprise X and Enterprise X Enterprise have some key similarities, together with an annual credit score, airport lounge entry and anniversary bonus miles for a similar $395 annual payment. Nonetheless, they’ve some important variations in advantages, corresponding to lounge entry for approved customers and journey protections, that may doubtless make one card a greater match for you than the opposite. Whether or not you select the non-public or enterprise model, (Enterprise) X marks the spot for premium perks and an inexpensive annual payment.

For extra particulars, take a look at our full overview of the Enterprise X and our full overview of the Enterprise X Enterprise.

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

*Upon enrollment, accessible by the Capital One web site or cell app, eligible cardholders will stay at upgraded standing stage by December 31, 2024. Please observe enrolling by the traditional Hertz Gold Plus Rewards enrollment course of (e.g., at Hertz.com) won’t robotically detect a cardholder as being eligible for this system, and cardholders won’t be robotically upgraded to the relevant standing tier. Further phrases apply