Capital One Venture X Business Card Review: Is It Worth It?

I’m a sucker for a superb journey rewards card. Through the years, I’ve collected a small handful of them — not as a result of I like juggling annual charges, however as a result of the appropriate playing cards can prevent a lot of cash on flights, inns, and journey perks you’d in any other case pay out of pocket for.

Not solely do I’ve a bunch for my private bills however I’ve a pair for this enterprise too. One in every of my favourite enterprise bank cards is the Capital One Enterprise X Enterprise Credit score Card. It’s Capital One’s top-tier enterprise product. I find it irresistible as a result of there’s a giant welcome supply, lounge entry to over 1,300 airport lounges, annual journey credit, and a easy 2x reward on all spending (which ensures you’re all the time incomes multiples miles per greenback spent).

That can assist you resolve if this card is for you, right here’s my full evaluate of the cardboard and why I find it irresistible a lot:

 

What’s the Capital One Enterprise X Enterprise Card?

The Capital One Enterprise X Enterprise Credit score Card is a journey rewards card issued by Capital One. It comes with a $395 annual payment that’s approach decrease than the opposite premium enterprise playing cards on the market. And I believe you’ll be able to simply get far more worth than the annual payment prices. Right here’s a fast have a look at the principle perks:

• LIMITED-TIME OFFER: Earn as much as 400K bonus miles: 200K miles while you spend $30K within the first 3 months, and a further 200k miles while you spend $150k within the first 6 months
• 2 miles per $1 on all purchases, no class restrictions
• 5× miles on flights booked via Capital One Journey
• 10× miles on inns and rental automobiles booked via Capital One Journey
• $300 annual journey credit score (via Capital One Enterprise Journey)
• Yearly, you’ll get 10,000 bonus miles after your account anniversary date.
• Take pleasure in entry to 1,300+ airport lounges worldwide, together with Capital One Lounge places and Precedence Go™ lounges, after enrollment
• As much as $120 assertion credit score for TSA Precheck or World Entry
• No international transaction charges

 

Utilizing Your Capital One Miles

Capital One miles will be redeemed in just a few methods. One is by reserving journey immediately via Capital One’s portal. Whereas I normally don’t suggest reserving via bank card portals, to totally profit from the Enterprise X’s journey credit score (and to get the 5x and 10x miles provides) you’ll want to make use of their portal.

Another choice is to make use of your miles to get reimbursed for any journey buy. For 90 days after making such a purchase order, you’ll be able to reimburse your self at a redemption charge of 1 cent per mile. After 90 days, and for all different purchases, you should use miles as money again, at a redemption charge of 0.5 cents per mile (however keep away from doing this, because it’s not a superb worth).

You can too use your Capital One miles within the Capital One Leisure portal to guide tickets for live shows, sports activities occasions, and extra. Often, Capital One provides cardholder-only occasions and presale alternatives too. When you’ll get simply 0.8 cents per mile for tickets (not the most effective worth), it’s nonetheless a enjoyable and distinctive technique to redeem miles.

Nonetheless, you’ll get probably the most out of your miles by transferring them to Capital One’s 15+ airline and resort companions. Whereas the precise worth varies primarily based on what you guide, you’ll be able to normally discover airline and resort redemptions price rather more than the aforementioned one cent per mile. (The method is fairly easy and will be completed via your Capital One account.)

Listed below are Capital One’s present journey companions:

• Accor Dwell Limitless
• Aeromexico Membership Premier
• Air Canada Aeroplan
• Air France/KLM Flying Blue
• Avianca LifeMiles
• British Airways Govt Membership
• Cathay Pacific Asia Miles
• Selection Privileges
• Emirates Skywards
• Etihad Airways Visitor
• EVA Air Infinity MileageLands
• Finnair Plus
• I Want Resort Rewards
• Japan Airways Mileage Financial institution
• Qantas Frequent Flyer
• Qatar Airways Privilege Membership
• Singapore Airways KrisFlyer
• TAP Portugal Miles&Go
• Turkish Airways Miles&Smiles
• Virgin Purple
• Wyndham Rewards

 

Execs of the Enterprise X Enterprise Card

As somebody who travels consistently for work, I’m all the time searching for methods to earn miles quicker and make airport life rather less painful. I like this card for the easy 2x miles on every part. I take advantage of numerous different playing cards that may get you 3 or 4x on sure classes like promoting or non-portal journey spend like flights and inns. However in relation to eating, museums, transportation, and many others, there’s not numerous methods to get greater than 2x per greenback spent on a enterprise card. So, I take advantage of this Enterprise X for something I can’t get greater than 2x per greenback.

Right here’s a deep dive into a few of the major perks:

$300 Journey Credit score
Every year, you get a $300 credit score towards bookings made via Capital One Enterprise Journey (flights, inns, or automotive leases). For those who’re already reserving journey often, this credit score is principally free cash — and it instantly drops your efficient annual payment from $395 to $95.

The catch? You do need to guide via Capital One’s journey portal. It’s powered by Hopper, so the interface is clear and costs are normally aggressive. I’ve discovered some good offers there.

Lounge Entry
You get entry to Capital One Lounges and Precedence Go lounges. Capital One’s personal lounges are literally nice — spacious, fashionable, good meals — although they’re nonetheless restricted location. However they’re increasing what number of they’ve and I personally assume they’re approach higher than the opposite lounges competitor banks have. You additionally get Precedence Go entry t o over 1,300 lounges globally, which is a standard however very nice perk.

Anniversary Bonus
Yearly in your account anniversary, you’ll get 10,000 bonus miles (price about $100 towards journey). It’s a pleasant “thanks” that helps offset the annual payment even additional.
 

Ought to You Get This Card?

The Capital One Enterprise X Enterprise Credit score Card is greatest for small- to medium-sized enterprise homeowners who journey often and might put no less than $30,000 to make sure they meet the welcome supply necessities.

Total, I believe the Capital One Enterprise X Enterprise is likely one of the best-value premium enterprise playing cards on the market proper now. It’s not as benefit-packed or as flashy because the The Enterprise Platinum Card® from American Specific or the Chase Sapphire Reserve for Enterprise?, nevertheless it’s simpler to make use of, has a cheaper annual payment, will get you lounge entry, and a simple to know incomes construction.

It’s one of many playing cards I take advantage of probably the most typically for my enterprise. I extremely suggest getting it.