Capital One VentureOne vs. Enterprise vs. Enterprise X

Attempting to navigate the Capital One Enterprise lineup? The Capital One VentureOne Rewards Credit score Card, the Capital One Enterprise Rewards Credit score Card, and the Capital One Enterprise X Rewards Credit score Card all provide wealthy rewards, simple redemptions, a scarcity of international transaction charges, and entry to Capital One’s journey switch companions. 

However relating to the annual charges, rewards, and journey perks, these three playing cards considerably differ. Right here’s what you could know.

Capital One VentureOne Rewards Credit score Card vs. Capital One Enterprise Rewards Credit score Card vs. Capital One Enterprise X Rewards Credit score Card

Capital One VentureOne Rewards Credit score Card vs. Capital One Enterprise Rewards Credit score Card vs. Capital One Enterprise X Rewards Credit score Card: Annual charge

In relation to the annual charge, there’s a transparent winner: the VentureOne Rewards card. For $0 a yr, VentureOne Rewards cardholders get modest rewards and an honest welcome bonus. 

Nonetheless, you’ll additionally get extra perks by paying the upper annual charge on the Enterprise Rewards and Enterprise X Rewards playing cards.

The Enterprise Rewards card has a $95 annual charge, however cardholders obtain as much as a $100 credit score for International Entry or TSA PreCheck® together with a $50 expertise credit score.

For these searching for amore luxurious journey expertise, the $395-annual-fee Enterprise X Rewards Cardis value contemplating. It gives premium perks resembling $300 again yearly for bookings made by way of Capital One Journey, 10,000 bonus miles (equal to $100 in direction of journey) yearly, beginning in your first anniversary, as much as $100 credit score for International Entry or TSA PreCheck®, and lounge entry by way of a Precedence Go membership. Enterprise X cardholders achieve limitless entry to Capital One Lounges, too.

Whilst you’ll must pay the next annual charge to unlock these additional advantages, the selection between the playing cards hinges in your willingness to pay the worth and whether or not the perks can be helpful to you.

Winner: Toss-up

Capital One VentureOne Rewards Credit score Card vs. Capital One Enterprise Rewards Credit score Card vs. Capital One Enterprise X Rewards Credit score Card: Welcome bonus

All three playing cards provide beneficiant welcome bonuses. 

With the VentureOne Rewards card, you’ll earn 20,000 miles after spending $500 on purchases inside 3 months from account opening. Assuming a redemption worth of 1 cent per 1 mile, this interprets to $200 or a formidable 40% price of return. Transferring your rewards to considered one of Capital One’s loyalty switch companions may yield even larger worth per level.

The Enterprise and Enterprise X playing cards provide equivalent welcome bonuses: Cardholders obtain 75,000 bonus miles after spending $4,000 on purchases throughout the first 3 months from account opening. Assuming a redemption worth of 1 cent per 1 mile, that is value $750—or an 18.75% price of return. As with the VentureOne, this might probably be even larger worth if transferred to a loyalty accomplice. 

Though the VentureOne Rewards welcome bonus boasts the next price of return, the Enterprise and Enterprise X bonuses take the lead—a 75,000 mile bonus can go a great distance relating to redeeming your factors for journey or different purchases.

Winner: Enterprise

Capital One VentureOne Rewards Credit score Card vs. Capital One Enterprise Rewards Credit score Card vs. Capital One Enterprise X Rewards Credit score Card: Incomes miles

All the playing cards provide a flat rewards price on all eligible purchases plus the next price on journey purchases booked by way of the Capital One Journey Portal. 

With the VentureOne Rewards card, you’ll earn 1.25x miles per greenback on each buy and 5x miles on lodges and rental vehicles booked by way of Capital One Journey. 

Although you’ll should cough up the next annual charge with the Enterprise Rewards and Enterprise X Rewards playing cards, the trade-off is healthier rewards. Enterprise and Enterprise X rewards cardholders earn a flat rewards price of 2x miles per greenback on all eligible purchases. So, what precisely is the distinction between the 2 playing cards? 

Enterprise Rewards cardholders earn 5x miles on lodges and rental vehicles booked by way of Capital One Journey. 

Enterprise X cardholders get a extra beneficiant price on journey purchases booked by way of Capital One among 10x miles on lodges and rental vehicles booked by way of Capital One Journey and 5x miles on flights booked by way of the issuer.

Whereas Enterprise X Rewards cardholders earn greater rewards charges on journey booked by way of Capital One, the distinction between the Enterprise X and Enterprise Rewards isn’t substantial, particularly for cardholders who don’t plan on reserving plenty of journey by way of the portal and simply need to earn rewards on on a regular basis spending. For that cause, the Enterprise Rewards card narrowly beat out the Enterprise X. 

Winner: Enterprise

Methods to redeem Capital One Miles

Once you’re able to put your miles to make use of, there are a number of the way you should utilize them, whether or not it’s through the use of them to e book resort stays by way of Capital One, transferring them to a loyalty program and even simply incomes money again. 

Cowl previous journey purchases

Should you don’t e book journey by way of Capital One, you should utilize your miles to cowl previous journey purchases like lodges, automotive leases, and cruises. Simply e book journey along with your Capital One bank card, after which you may decide to obtain a press release credit score to cowl your prices.

Ebook journey by way of Capital One

You should use your factors to e book flights, resort stays, automotive leases, and extra by way of the Capital One Journey portal. Usually, while you redeem factors this fashion one mile is value 1 cent.

Switch factors to journey companions

Should you’re a member of a resort or airline loyalty program, you might be able to switch your Capital One miles to that program. Capital One has greater than 15 journey companions, together with Air Canada – Aeroplan, Flying Blue, Wyndham Rewards, and extra. 

To switch miles to those loyalty packages, you’ll want a minimal of 1,000 Capital One miles. Most companions provide a 1:1 switch worth. The worth of your miles transferred this fashion could possibly be value roughly than 1 cent, relying on the money worth of the flight.

Pay with factors and purchase present playing cards

Cardholders can use their factors for on-line buying, too. You may pay for purchases on Amazon and PayPal, the worth of a mile is value 0.7 cents per mile this fashion.

It’s also possible to use rewards to buy present playing cards from all kinds of retailers which is mostly value 1 cent per mile though it may well range.

Earn money again

Regardless that all three playing cards are journey bank cards, you may redeem your miles for money by both getting a press release credit score or verify. Nonetheless, we don’t suggest this feature as cash-back for something apart from a earlier journey buy on the Capital One Enterprise playing cards is value simply 0.6 cents per level.

Capital One VentureOne Rewards Credit score Card vs. Capital One Enterprise Rewards Credit score Card vs. Capital One Enterprise X Rewards Credit score Card: Journey perks

There are notable variations between the VentureOne, Enterprise, and Enterprise X playing cards relating to perks.

The VentureOne is a no-frills card for budget-conscious clients, so the perks are minimal . The Enterprise Card, although, is only one step above the VentureOne. 

The Enterprise is finest for infrequent vacationers or those that can’t abdomen a steep annual charge however can profit from the assertion credit score to cowl TSA PreCheck or International Entry prices and two complimentary visits per yr to Capital One Lounges or lounges within the Companion Lounge Community, which embrace Precedence Go and Plaza Premium Lounges. These perks alone are value greater than the annual price to personal the cardboard.

Enterprise cardholders additionally get a $50 expertise credit score which they will use to improve their journey expertise. The credit score can be utilized to pay for room service, purchases at resort eating places, and extra while you e book a resort keep by way of the Way of life Assortment.

The Enterprise X Rewards card, nevertheless, stands tall for its premium advantages together with limitless lounge entry, $300 again yearly for bookings made by way of Capital One Journey portal, and 10,000 bonus miles (equal to $100 in direction of journey) yearly, beginning in your first anniversary. This journey credit score can solely be used. 

Although the Enterprise X has the very best price ticket, clocking at $395 a yr, the perks can outweigh the price if totally utilized.

Enterprise X cardholders additionally get limitless entry to Capital One, Plaza Premium and Precedence Go lounges for themselves and as much as two company. Plus, all licensed customers additionally get this perk, making it vital for individuals who journey in massive teams. a number of expertise credit for resort stays booked by way of the Way of life and Premium Collections. When cardholders e book a resort keep by way of the Premium Assortment, they will use their $100 expertise credit score to cowl eating or spa purchases. And once they e book by way of the Way of life Assortment, they get a $50 expertise credit score.

All-in-all, the Enterprise X rewards card’s advantages knock it out of the park, particularly for cardholders who prioritize a premium journey expertise.

Winner: Enterprise X 

Capital One VentureOne Rewards Credit score Card vs. Capital One Enterprise Rewards Credit score Card vs. Capital One Enterprise X Rewards Credit score Card: Journey protections and insurances

Whereas each the Enterprise One and Enterprise Rewards playing cards provide the identical protections and insurances—journey accident insurance coverage and an auto rental collision injury waiver for individuals who are accepted for the Visa Signature model of the cardboard—the Enterprise X Rewards card takes journey advantages to the following stage. 

Whether or not your journey is delayed or your baggage will get misplaced, Enterprise X cardholders are lined. Enterprise X cardholders obtain misplaced baggage reimbursement, journey delay reimbursement, and journey cancellation and interruption advantages. Plus, Enterprise X cardholders get mobile phone safety, value as much as $800 per yr, which kicks in in case your telephone is broken or misplaced.

The Enterprise X Rewards card emerges because the best choice, providing a sturdy set of protections and insurances that transcend the usual choices of its counterparts.

Winner: Enterprise X Rewards card

Is the Capital One VentureOne Rewards Credit score Card, Capital One Enterprise Rewards Credit score Card or Capital One Enterprise X Rewards Credit score Card card best for you?

Although the Enterprise X Rewards emerges because the winner between the three playing cards, the posh bank card won’t be one of the best match for everybody. 

The Enterprise X Rewards Card is a superb alternative for frequent vacationers who prioritize luxurious perks, limitless lounge entry, and complete journey protections. With an annual journey credit score, an anniversary bonus, airport lounge entry, the Enterprise X is tailor-made for these prepared to put money into a premium journey expertise. 

For vacationers trying to keep away from the Enterprise X’s $395 annual charge, the Enterprise Rewards emerges as a strong possibility for people who need stellar rewards and an inexpensive annual charge. With a $95 annual charge, cardholders get a strong 2X miles again on all eligible purchases and advantages like a press release credit score for International Entry or TSA PreCheck. It’s best for people searching for enhanced journey advantages with out the upper annual charge.

But when paying an annual charge for a bank card holds little attraction, the VentureOne Rewards Card could possibly be a becoming alternative. With its $0 annual charge, it gives 5x miles per $1 on lodges and rental vehicles booked by way of Capital One and 1.25X miles per $1 spent on all eligible purchases.  It could be an interesting entry-level possibility for cardholders who don’t journey continuously however need to redeem their rewards for flights, lodges, cruises and extra.

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