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The Capital One Enterprise Rewards Credit score Card has the very best flat rewards charge of all of the journey playing cards on our radar. And in contrast to most flat-rate bank cards, it even affords you a bonus rewards class for resort and rental automotive purchases booked via Capital One’s journey portal.
The Enterprise Rewards Card has comparable playing cards beat in relation to additional journey advantages and credit. Whereas many travel credit cards supply some type of insurance coverage advantages with account possession, Capital One takes it a step additional and affords a handful of perks, together with a credit score for TSA PreCheck or International Entry. The catch? You will want good to excellent credit, and are on the hook for a $95 annual price.
So far as the rewards program goes, it is the only amongst its closest opponents, so you will not must do lots of planning to reap the advantages — although another playing cards might web you extra rewards worth. The welcome bonus can be on par with different journey playing cards.
Learn on for extra details about the rewards program, reserving via the Capital One portal, the additional perks and different playing cards you could wish to contemplate.
On this article
Rewards and the journey portal
Rewards are earned within the type of miles with the Capital One Enterprise Rewards Credit score Card, as they’re with many journey bank cards. You will earn 2 miles per greenback spent on all purchases, in addition to 5 miles per greenback spent on hotels and rental vehicles via Capital One Journey, the issuer’s reserving portal.
You need to use the miles you earn to make journey purchases (not simply resort and automotive leases — flights and experiences, too) via Capital One Journey, or you possibly can redeem the miles as assertion credit for journey purchases not booked via the portal. This provides you some flexibility. Miles are value 1 cent every when redeemed.
Welcome bonus
The welcome bonus is in-line with different journey bank cards with a $95 annual price. You get 60,000 bonus miles after spending $3,000 in purchases inside the first three months of account opening. The bonus is equal to $600 in journey purchases via Capital One Journey or in assertion credit towards different journey purchases. Not solely is it aggressive for its style, however it’s additionally equal to among the affords on our general picks for the best welcome bonus credit cards.
Journey advantages
That is the place the Capital One Enterprise Rewards card begins diverging from its closest opponents. The Enterprise card affords a bunch of journey associated perks that you simply usually discover extra with the premium journey playing cards which have several-hundred-dollar annual charges.
International Entry or TSA PreCheck credit score: Whenever you use your Enterprise card to use for Global Entry or TSA PreCheck, you may get reimbursed as much as $100. These applications will show you how to breeze via lengthy traces at airports.
Hertz 5 Star® standing: With this perk, you possibly can skip the road on the automotive rental kiosk and select from a wider number of vehicles. Observe that to enroll on this profit, you will have to take action in your account beneath the Rewards tab.
Capital One Lounge: You get two free visits per 12 months to Capital One Lounges, which supply meals and luxurious facilities. The difficulty with this perk, nevertheless, is that this program continues to be in its infancy. Just one Capital One lounge is presently open — at Dallas-Fort Value airport. However two extra are slated to open in 2022, on the Denver Worldwide Airport and Dulles Worldwide Airport.
No international transaction charges: Like with most journey playing cards and all Capital One cards, you will not pay any additional charges while you make purchases together with your Enterprise card whereas exterior of the US. Foreign transaction fees are usually about 3% of the transaction, to allow them to add up shortly.
Comparable playing cards
Capital One VentureOne Rewards Credit score Card
The Capital One VentureOne Rewards Credit score Card is the no-annual-fee model of the Enterprise card. You will earn a diminished 1.25 miles per greenback on every buy, although you will nonetheless get 5 miles per greenback spent on motels and rental vehicles booked via Capital One Journey. The welcome bonus can be much less — although extra accessible — at 20,000 bonus miles for spending $500 within the first three months of account opening. You do not actually get any of the extras (aside from no international transaction charges), however this card does include a 0% intro APR on purchases and balance transfers for 15 months (15.24% to 25.24% variable APR after that).
Chase Sapphire Most popular® Card
The Chase Sapphire Most popular is a direct competitor of the Enterprise card. It additionally prices $95 per 12 months and has a really comparable welcome bonus. Whereas it would not supply journey extras as good because the Enterprise card, it does have a rewards program that might web larger returns for the typical cardholder — to not point out boosted redemption worth on rewards when utilized to journey booked on Chase’s portal, Chase Final Rewards.
See extra particulars in our full evaluate of the Chase Sapphire Preferred Card.
Citi Premier® Card
The Citi Premier Card is one other journey card with a $95 annual price and roughly equal welcome bonus. Relying in your spending patterns, its rewards program could also be extra profitable than the Chase Sapphire Most popular. This card undoubtedly ranks final in relation to journey extras, nevertheless.
See extra particulars in our full evaluate of the Citi Premier Card.
FAQs
How do journey bank cards work?
Journey bank cards flip purchases into factors or miles that may be redeemed for journey purchases, like flights and resort stays. Generally you possibly can redeem these factors for money or a present card, however you usually get one of the best charge when utilizing them to e book journey. The highest playing cards have their very own journey reserving portals via which yow will discover flights, motels and rental vehicles. Generally, factors are value extra when utilized in bank card firm portals.
Airline bank cards and resort bank cards function like loyalty applications in that you simply keep in a closed-loop rewards system. You earn rewards while you buy flights or e book motels via your chosen corporations, and you need to use these factors for perks or future bookings via the identical airline or resort group.
How do you select one of the best journey bank card?
The factors and journey advantages that you simply accrue via a journey rewards program are sometimes redeemed via your bank card issuer’s web site (or app), or they seem as an announcement credit score reimbursing you for previous purchases you made together with your bank card. Factors or miles can be transferred to journey companions — largely motels and airways — at a fluctuating conversion charge, the place they will then be used to e book a flight or resort room.
In selecting one of the best journey bank card, there are a number of key components to think about:
- Annual charges: Most journey rewards applications have annual charges, with some climbing as excessive as $695, however these charges are normally mitigated by month-to-month or annual credit.
- Unique perks: Some journey rewards card choices additionally grant entry to unique journey perks, like airline lounges, precedence boarding or VIP welcomes at motels. The worth of these perks is subjective and one thing you will have to guage based mostly in your wants and needs.
- International transaction charges: One of the best journey playing cards do not make customers pay a international transaction price, in order that’s not one thing you must fear about.
What additional advantages do journey bank cards normally supply?
Most journey bank cards, a few of which carry hefty annual charges, embrace advantages that add worth to these playing cards, reminiscent of journey accident insurance coverage, journey cancellation insurance coverage, journey delay reimbursement or safety, misplaced baggage reimbursement and rental automotive collision insurance coverage.
Our method to bank card analysis
We evaluate the playing cards which can be within the highest demand and supply one of the best advantages. We scour the high-quality print so there are not any surprises while you open an account. We discover the important thing components that make a card stand out and examine them to different high playing cards. That method, readers can go for a special card with comparable options if our decide is not proper for them. Our critiques are recurrently checked and up to date to include new suggestions, in addition to to replicate adjustments in affords and the market.
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