The Capital One Venture Rewards Credit Card offers nice worth to occasional vacationers who wish to maximize the miles they earn. This card incorporates a $95 annual payment (see rates and fees) and earns 2 miles per greenback on all purchases.
Its flashier sibling, the $395-annual-fee Capital One Venture X Rewards Credit Card (see rates and fees), affords an enhanced journey expertise to compete with different premium merchandise like The Platinum Card® from American Express and the Chase Sapphire Reserve®.
In the event you do not carry both card — the Enterprise Rewards or the Enterprise X — it’s possible you’ll marvel: Must you apply for the well-established, crowd-pleasing Venture Rewards or go premium with the luxe Venture X?
Let’s study each playing cards that will help you determine which Capital One card is your best choice.
Capital One Enterprise Rewards vs. Capital One Enterprise X comparability
| Card | Capital One Enterprise X | Capital One Enterprise Rewards |
|---|---|---|
| Annual payment | $395 (see rates and fees) | $95 (see rates and fees) |
| Welcome provide | Earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. | Earn a $250 Capital One Journey credit score within the first cardholder 12 months. Plus, earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening. |
| Incomes charges |
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| Different advantages |
|
|
| International transaction charges | None (see rates and fees) | None (see rates and fees) |
Capital One Enterprise Rewards vs. Capital One Enterprise X welcome provide
The Enterprise Rewards at present affords a $250 Capital One Travel credit score to new candidates within the first cardholder 12 months. Plus, earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.
The Enterprise X affords new cardmembers 75,000 bonus miles after they spend $4,000 within the first three months of account opening.
The Enterprise Rewards provide is valued at $1,638, primarily based on TPG’s July 2024 valuations, when including collectively the worth of the bonus miles and the Capital One Journey credit score.
In the meantime, the Enterprise X provide is value $1,388 primarily based on TPG’s valuations, so you will get unimaginable worth from the bonus regardless of which card you select.
Winner: Enterprise Rewards. The provide of a journey credit score for a similar spending requirement because the Enterprise X makes its welcome provide extra useful.
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Associated: How to redeem 75,000 Capital One miles for maximum value
Capital One Enterprise Rewards vs. Capital One Enterprise X advantages
With the Enterprise Rewards, you will rise up to a $100 credit score for TSA PreCheck or World Entry as soon as, in addition to rental automotive and journey accident insurance coverage, prolonged guarantee safety and entry to Capital One’s Lifestyle Collection of accommodations and Capital One Entertainment.
Conversely, the Enterprise X has a stronger listing of advantages that greater than justify its greater annual payment in the event you can maximize them.
As a cardholder, you will get a $300 annual credit for bookings made by Capital One Journey and complimentary entry to Capital One and Plaza Premium lounges for you and as much as two company. You may additionally get a Priority Pass lounge membership to over 1,300 areas for you and limitless company (topic to capability).
You may additionally obtain 10,000 bonus miles, value $185 in line with TPG valuations, at every cardholder anniversary, together with entry to Capital One’s Life-style Assortment and the posh Premier Collection of accommodations, journey protections, prolonged guarantee safety and cellphone safety.
An extra good thing about the Enterprise X is you could add a restricted variety of authorized users for no further payment (see rates and fees). These licensed customers take pleasure in the identical airport lounge entry as the primary cardholder, together with complimentary entry for themselves and company.
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 Venture X worth its annual fee?
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 pair of miles per greenback on all different purchases. Each playing cards additionally earn 5 miles per greenback on Capital One Leisure purchases by Dec. 31, 2025.
With the Enterprise Rewards, you will earn 5 miles per greenback on hotels and rental vehicles booked by Capital One Journey. When you’ve got the Enterprise X, nevertheless, you will earn 10 miles per greenback on accommodations and rental vehicles booked by Capital One Journey and 5 miles per greenback on flights booked by the identical portal.
Winner: Enterprise X. It earns twice the miles because the Enterprise Rewards on accommodations 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: 6 easy strategies I use to earn over 500,000 points and miles a year
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 identical redemption choices.
You may get probably the most worth by transferring your miles to considered one of Capital One’s travel partners, however it’s also possible to redeem them for a statement credit to cover travel purchases or reward playing cards at a flat price of 1 cent per mile.
Each playing cards permit you to redeem your miles for money again, however you will get a a lot decrease price of 0.5 cents per mile, so we suggest avoiding this selection every time doable.
Winner: Tie. Each playing cards provide the identical choices to redeem your miles.
Associated: Should you redeem your miles directly for travel or transfer them to partners?
Transferring miles with the Capital One Enterprise Rewards vs. Capital One Enterprise X
The most effective issues about each the Enterprise Rewards and the Enterprise X is that they permit you to transfer your miles to any of Capital One’s 15-plus lodge and airline companions, together with useful choices like Air France-KLM Flying Blue, British Airways Executive Club and Turkish Airlines Miles&Smiles.
And in the event you can reap the benefits of a switch bonus, you will 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 Air Canada 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
Ought to I get the Capital One Enterprise Rewards or Capital One Enterprise X?
In the event you’re targeted on preserving your annual payment prices low, go together with the Enterprise Rewards. You may get a powerful incomes price, the power to reap the benefits of Capital One’s switch companions and a few journey advantages for only a $95 annual payment (see rates and fees). Nevertheless, in order for you airport lounge entry and might maximize its $300 annual credit score, the Enterprise X is the higher alternative.
Associated: Who should (and shouldn’t) get the Venture X
How you can improve from the Capital One Enterprise Rewards to the Capital One Enterprise X
If you have already got the Enterprise Rewards and wish to improve to the Enterprise X, you’ll be able to name the quantity on the again of your card and request a product change. You will not have the ability to reap the benefits of your new card’s welcome provide by going this route, however it’s a great way to get extra advantages with out worrying about eligibility.
Associated: How Venture X saved me over $6,000 on a summer trip to France
Backside line
Each the Enterprise Rewards and the Enterprise X are wonderful journey rewards playing cards that earn bonus factors on Capital One Journey purchases and a pair of miles per greenback on all different purchases.
The Enterprise X is a good card for many who can reap the benefits of its airport lounge entry and annual credit score, whereas the Enterprise Rewards is a greater match for anybody trying to hold their annual payment prices low. No matter which card you select, you will get stable journey advantages and earn useful transferable rewards.
To study extra, learn our full opinions of the Venture Rewards and Venture X.
Be taught extra: Capital One Venture
Be taught extra: Capital One Venture X
Associated: How to pick the right travel credit card for you
For Capital One merchandise listed on this web page, a number 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.
