Friday, June 14, 2024

What’s This Card Value? Assessing Capital One Enterprise X Worth

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Capital One credit cards

Capital One Enterprise X

I’ve had glorious Capital One experiences through the years.  My Capital One 360 account goes again to the ING Direct days, and I’ve labored with an excellent personal banker since final yr.  However periodically, Capital One jogs my memory how peculiar they’re.  Regardless of my greatest efforts, I’ve by no means been authorized for a Capital One private card.  I don’t know why, and I don’t care sufficient to determine that out.  Anyway, I’m a certified person on a Capital One Enterprise X account.  I’ve low expectations of selecting it up as a main cardholder.  Nonetheless, I’m curious what worth the total suite of Capital One Enterprise X perks would carry me.  Much like what I explored with extremely premium playing cards from Amex and Chase, right here’s how the advantages of the $395 annual price Capital One Enterprise X would measure up in my scenario.

Maximizing the new Venture X card

Present welcome provide and extra data for the Capital One Enterprise X

Annual Journey Credit score

Let’s begin with a easy one.  Enterprise X cardholders obtain an annual $300 journey credit score for bookings by Capital One’s journey portal.  That’s not as versatile because the Chase Sapphire Reserve’s $300 journey credit score which isn’t restricted to such a portal.  However in my previous expertise with the Capital One Spark Journey Elite, it’s simple sufficient to make use of.  Extra importantly, I’ve discovered aggressive charges utilizing the portal.

Annual Profit Worth:  $300

Capital One Enterprise X Anniversary Bonus

Capital One Enterprise X cardholders obtain 10k miles as an anniversary bonus.  They’re transferrable to companions but in addition helpful on the portal at one cent every.  Many will get extra worth by shifting these miles to journey companions, however I’ll conservatively place a minimal worth for portal use.

Annual Profit Worth:  $100

World Entry/TSA PreCheck Credit score

Enterprise X cardholders obtain a $100 credit score for World Entry or TSA PreCheck bills.  Hobbyists, from informal to very energetic ones, have this credit score on seemingly numerous different bank cards.  Subsequently, this might be an enormous fats donut when it comes to worth for me.

Annual Profit Worth:  $0

Lounge Entry

My expertise on the Capital One Lounge DFW was excellent.  The catch?  That’s the one Capital One Lounge presently open.  New places are opening in Denver and Washington Dulles quickly, although.  That’s nice, however that brings their whole as much as a whopping three.  To be truthful, the Enterprise X additionally grants entry to Precedence Cross and Plaza Premium lounges.  These lounges are accessible with different playing cards, together with the Schwab Platinum which is a long-term keeper for me.

Might I find yourself in a Capital One Lounge this yr?  Perhaps.  However as of proper now, I’ve no particular plans, particularly given their restricted footprint.

Annual Profit Worth:  $25

The whole lot Else = Noise

Capital One additionally provides Enterprise X cardholders Hertz President’s Circle standing.  I can’t keep in mind the final time I rented a automotive, and even once I did, Hertz has by no means been my first choice.  In my expertise, Hertz all the time tends to price greater than another high quality choices.

Cellular phone safety means nothing to me, as my virtually free wi-fi technique would preclude me from paying with the Enterprise X for protection.  Major rental automotive insurance coverage, journey delay reimbursement, and buy/prolonged/return safety are superfluous.

Annual Profit Worth:  $0

Capital One Enterprise X – Conclusion

Okay, math time.  The annual profit worth I might obtain from the Capital One Enterprise X as a main cardholder is $425, coming in simply $30 over the $395 annual price.  Once more, that’s a low annual price for what some contemplate an extremely premium card.  However for larger annual charges, I’m shopping for into premium money out choices with the Schwab Amex Platinum and Chase Sapphire Reserve.  From that perspective, I’m not shedding sleep over lacking out on the Enterprise X as a main cardholder.  I nonetheless get my Capital One Lounge entry as a certified person, if I ever want it.

Larger image, the Enterprise X is a no brainer for a lot of who’re eligible for approval and the stable welcome provide.  The more durable query will are available in yr two, as cardholders ought to assess whether or not the cardboard supplies sufficient worth for his or her respective conditions.  How do you worth the Capital One Enterprise X?

Present welcome provide and extra data for the Capital One Enterprise X

Disclosure: Miles to Reminiscences has partnered with CardRatings for our protection of bank card merchandise. Miles to Reminiscences and CardRatings might obtain a fee from card issuers.

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Opinions, critiques, analyses & suggestions are the writer’s alone, and haven’t been reviewed, endorsed or authorized by any of those entities.

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