Capital One Enterprise Rewards Credit score Card Overview 2023

The card_name is among the many prime journey rewards bank cards, providing a bounty of advantages and rewards-earning potential. The cardboard has a comparatively low annual charge, plus a number of redemption choices for extra versatile rewards for on a regular basis vacationers. 

Maintain studying to study extra in regards to the card_name, how you can earn and redeem your Capital One miles, and different playing cards to think about.

TIME’s Take

With an enormous sign-up bonus and excessive flat-rate rewards on all purchases, the card_name is a best choice amongst vacationers. The cardboard options a number of redemption choices, together with transfers to greater than a dozen journey companions. Its most versatile choice could be redeeming miles to cowl latest journey purchases. card_name does not supply the luxurious journey advantages of card_name however offers sufficient worth to warrant the annual_fees annual charge. 

Execs & cons

Who’s the cardboard for?

The card_name is right for informal and frequent vacationers who need to earn versatile rewards with no luxurious price ticket. The annual_fees annual charge is low sufficient to supply an entry level into journey rewards and advantages whereas offering sufficient worth by its incomes potential and perks for extra seasoned vacationers. 

For those who’re on the lookout for luxurious advantages, like airport lounge membership or elite standing, you will not discover it with card_name. As an alternative, look in the direction of Capital One’s premium journey card, the card_name.

Capital One is among the solely card issuers to publicly share the credit score degree wanted to qualify for its merchandise. To be eligible for card_name requires wonderful credit score, which typically means a FICO rating of 800 and above. Remember that bank card issuers use elements apart from credit score scores to find out eligibility.  

The high-quality print

Rates of interest

• Common APR: reg_apr,reg_apr_type.
• Buy Intro APR: intro_apr_rate,intro_apr_duration.
• Stability Switch Intro APR: balance_transfer_intro_apr,balance_transfer_intro_duration.

Charges

• Annual Price: annual_fees.
• Stability Switch Price: balance_transfer_fees.
• Money Advance: cash_advance_fee.

Extra perks

card_name is filled with advantages and perks, providing worth effectively past its annual_fees yearly price. Here is a have a look at the advantages it consists of.

Beneficiant sign-up bonus

Incomes a card’s sign-up bonus is among the quickest methods to spice up your rewards steadiness. The card_name comes with a high-value sign-up bonus supply: New cardholders can bonus_miles_full.

RELATED: Greatest Signal Up Bonus Credit score Playing cards

Flat-rate rewards

card_name retains incomes rewards easy with flat-rate rewards. As a cardholder, you may earn:

• Limitless 2x miles per greenback on each buy.
• Limitless 5x miles on lodges and rental vehicles booked by Capital One Journey.

There are not any classes to trace, excellent for anybody beginning with journey rewards. Capital One miles by no means expire, however you’ll lose unredeemed miles in case your account is closed. 

Versatile redemptions

The most effective options of the card_name is the power to redeem miles in a number of methods, making it one of the vital versatile loyalty rewards applications. Cardholders have a number of choices for redeeming miles, together with: 

• Ebook flights, lodges, and rental vehicles by Capital One Journey.
• Cowl latest journey purchases.
• Switch miles to associate loyalty applications.
• Share miles with household or buddies.
• Present playing cards.
• Assertion credit.
• Money through paper examine.
• Use factors to pay for Amazon.com purchases.
• Use factors on eligible purchases on-line with PayPal.
• Tickets and occasions by Capital One Leisure.

The most effective methods to maximise your miles is by transferring them to one in every of Capital One’s 18 airline and lodge loyalty program companions. Here is an inventory of present Capital One switch companions. All associate transfers are at a 1:1 ratio except in any other case marked. Switch companions embody:

• Aeromexico Membership Premier.
• Air Canada – Aeroplan®.
• ALL – Accor Dwell Limitless (2:1 switch ratio).
• Avianca LifeMiles.
• British Airways Government Membership.
• Cathay Pacific – Asia Miles.
• Selection Privileges.
• Emirates Skywards.
• Etihad Visitor.
• EVA Air – Infinity MileageLands (2:1.5 switch ratio). 
• Finnair Plus.
• Flying Blue.
• Qantas Frequent Flyer.
• Singapore Airways KrisFlyer.
• TAP Miles&Go.
• Turkish Airways Miles&Smiles.
• Virgin Pink.
• Wyndham Rewards.

Switch redemptions begin at 1,000 Capital One miles.

Capital One Leisure

The card_name comes with entry to Capital One Leisure. This system offers cardholders early entry to ticket presales and unique occasions, together with live shows, theater and comedy reveals, sporting occasions, and culinary experiences. 

Capital One Eating

You may additionally obtain entry to Capital One Eating, which incorporates the prospect to e book hard-to-get restaurant reservations at award-winning eating places and unique culinary occasions. 

International Entry or TSA Precheck credit score

Enterprise Rewards cardholders obtain as much as a $100 credit score to cowl International Entry software charges or as much as $85 for TSA Precheck software charges each 4 years. 

Hertz standing

Cardholders who enroll within the Hertz Gold Plus Rewards utilizing the promotional hyperlink in the advantages part of their Capital One account obtain Hertz 5 Star standing. 5 Star standing comes with advantages like automobile upgrades when accessible, elevated rewards charges, and a wider collection of rental autos. 

Capital One Lounge passes

card_name comes with two complimentary visits to Capital One Lounges or Plaza Premium Lounges. At present, the one Capital One Lounges are at Dallas Fort Price (DFW) and Washington Dulles (IAD), with a Denver location slated to open later this yr. 

No international transaction charges

Capital One does not cost international transaction charges on purchases made exterior of the U.S. along with your card_name. No additional charges make the cardboard an excellent choicel for worldwide vacationers. 

Journey protections

The card_name features a few journey protections for cardholders, together with auto rental collision harm waiver, journey accident insurance coverage, and 24-hour journey help companies.

Shopper protections

Along with journey protections, card_name comes with a number of shopper protections. Advantages embody prolonged guarantee safety, safety alerts, a card lock characteristic in Capital One’s cell app, credit score monitoring, and alerts by CreditWise and digital card numbers. 

What may very well be improved?

card_name primarily gives basic journey advantages exterior of Hertz 5-Star standing and two lounge passes per yr. It does not present lodge, airline, or airport perks like elite standing, precedence boarding, or lounge membership. 

The card_name has no 0% intro APR gives for purchases or steadiness transfers. Introductory APR gives aren’t essentially a standard characteristic of journey rewards bank cards however can be found with different kinds of rewards playing cards. 

Card alternate options

Backside line

The card_name gives an interesting mix of rewards-earning potential, beneficial advantages, and versatile redemptions. It is a wonderful card in case you’re getting into the world of journey rewards, even with a annual_fees annual charge. The cardboard gives greater than sufficient worth to outweigh the yearly expense. 

Often requested questions (FAQs)

How do the ‘miles’ work on the card_name?

Cardholders earn limitless 2x miles on all card purchases and limitless 5x miles on lodges and rental vehicles booked by Capital One Journey. You need to use miles to e book journey by Capital One or cowl latest journey purchases. Different redemptions embody transfers to journey associate loyalty applications, money through a mailed examine, or assertion credit score, reward playing cards or Capital One Leisure occasions and experiences. 

Is the card_name a Visa or a Mastercard?

The Capital One Enterprise Rewards Credit score Card is a Visa Signature card. 

RELATED: Visa vs. Mastercard: What’s The Distinction?

Is the card_name onerous to get?

You want wonderful credit score to qualify for the card_name and meet the issuer’s different standards. A wonderful credit score rating is usually accepted as a FICO rating of 800 or increased. 

Is the card_name good for newbies?

card_name is a superb entry-level alternative for these new to journey rewards bank cards. The cardboard gives a number of beneficial advantages, easy flat-rate rewards, and versatile redemptions.