Should I Get the Capital One Venture X Card?
The Capital One Enterprise X Rewards Credit score Card is a premium journey card that comes with top-flight advantages like lounge entry, annual journey credit score, wealthy rewards charges and a large sign-up bonus: Earn 100,000 bonus miles while you spend $10,000 on purchases within the first 6 months from account opening, equal to $1,000 in journey.
The cardboard additionally comes with a large $395 annual charge. However this charge consists of top-tier journey perks that may make it price paying. If you happen to can meet the spending threshold, the cardboard’s bonus alone can cowl its annual charge for 2 years.
Deciding whether or not to get the cardboard comes all the way down to when you can benefit from all of the wealthy advantages that make it price holding, even with a weighty annual charge. Listed below are some inquiries to ask your self to find out whether or not the cardboard is best for you.
Am I prepared to ebook journey by Capital One?
By the Capital One Journey portal, cardholders can ebook 1000’s of flights, motels and rental vehicles, and entry perks like worth drop safety, worth match assure and extra. A big portion of the Capital One Enterprise X Rewards Credit score Card’s worth is tied to reserving journey by this portal.
The cardboard earns the next spectacular rewards charges for travel-related purchases made by the issuer’s journey reserving website:
-
5 miles per greenback on flights booked through Capital One Journey.
-
10 miles per greenback on motels and rental vehicles booked through Capital One Journey.
The Capital One Enterprise X Rewards Credit score Card comes with a $300 annual journey credit score for bookings made by Capital One’s journey portal. If you happen to do not thoughts reserving journey by the portal, that credit score may also help compensate for the cardboard’s annual charge.
However when you’re not prepared to make your bookings by the issuer, the cardboard’s important worth proposition is misplaced. Reserving journey by a third-party portal creates a “center man,” making it extra difficult if it’s a must to change or cancel your plans than when you’d booked straight. Plus, when you’ve got elite standing with a resort or airline, you might not be entitled to any advantages or earn rewards that you just’d in any other case get.
Will I benefit from the issuer’s airport lounge entry?
Cardholders have entry to greater than 1,300 Precedence Move airport lounges worldwide, in addition to limitless entry to the Capital One lounges. These lounges, which price $65 per go to for ineligible cardholders and most people, are situated within the Dallas-Fort Price, Denver and Washington-Dulles worldwide airports. (As of 2021, solely the Dallas-Fort Price lounge is open.)
Holders of the Capital One Enterprise X Rewards Credit score Card have limitless complimentary entry to the lounges, in addition to free entry for 2 visitors per go to. They’ll additionally get discounted pricing of $45 per go to for added visitors.
Lounge facilities embrace nursing rooms, full bars, biking and yoga rooms, bathe suites and extra.
If you happen to don’t assume you’ll make use of this perk by touring by airports with Capital One lounge entry just a few occasions a 12 months, contemplate different playing cards with lounge entry in areas you frequent.
Does it match my spending and redemption fashion?
Along with incomes bonus miles for travel-related spending, the cardboard earns a base fee of two miles per $1 for all different non-bonus purchases. This makes the Capital One Enterprise X Rewards Credit score Card a very good choice for individuals who worth the simplicity of incomes a flat fee on all purchases. You possibly can earn extra on sure classes with different playing cards, however when you’d moderately not must preserve observe of a number of earn charges or classes like is important for some comparable premium playing cards, then it could possibly be a very good match.
And redeeming factors could be equally as hassle-free and versatile as incomes them. You’ll get essentially the most simple worth, 1 cent per mile, while you redeem for journey. Cardholders can redeem factors both for assertion credit score to cowl the price of a journey buy, or for flights, motels, rental vehicles and trip packages by the issuer’s journey portal.
