Amex Enterprise Platinum vs. Capital One Enterprise X: A Complete Comparability

Phrases apply to American Specific advantages and affords. Go to americanexpress.com to be taught extra.

Two of probably the most outstanding enterprise rewards bank cards are The Enterprise Platinum Card® from American Specific and the Capital One Enterprise X Enterprise Credit score Card. Each premium playing cards provide beneficial advantages that improve your journey expertise and assist offset their annual charges.

Cardholders get pleasure from perks corresponding to airport lounge entry, journey credit and versatile rewards. Nonetheless, every card has a unique strategy to delivering worth. The Amex Enterprise Platinum Card, which has an annual price of $895, is designed for top spenders who can successfully make the most of a number of assertion credit.

In distinction, the Enterprise X Enterprise Card, with a $395 annual price, affords an easier worth proposition, with an uncomplicated incomes construction and beneficiant insurance policies on visitor entry to airport lounges. It is necessary to notice that these visitor privileges are set to vary considerably.

Let’s take a more in-depth take a look at these two enterprise playing cards that will help you decide which one belongs in your pockets.

The annual price distinction is substantial: $895 for the Amex Enterprise Platinum versus $395 for the Enterprise X Enterprise. That is a $500 hole that issues, particularly whenever you’re operating a enterprise and watching bills.

Nonetheless, annual charges solely inform a part of the story. Each playing cards provide credit and perks that may assist offset these prices; you may simply need to resolve which advantages you may truly use.

The Amex Enterprise Platinum affords 200,000 Membership Rewards® factors after you spend $20,000 in eligible purchases throughout the first three months of card membership. Amex Membership Rewards® factors are sometimes valued at 2 cents every towards journey, making this welcome bonus (plus the factors you may earn by assembly the minimal spending requirement) value $4,400 in journey.

Whereas the Amex Enterprise Platinum’s bonus has a decrease spending requirement, the worth you may get from incomes the Enterprise X Enterprise bonus is sort of double. However you may have to satisfy the mammoth $150,000 spending threshold to earn the complete bonus. 

The Amex Enterprise Platinum is a robust selection for those who make massive purchases or steadily ebook journey by means of Amex Journey. The 2X price on enterprise classes like transport and software program is effective for a lot of small companies.

The Capital One Enterprise X Enterprise has an easy rewards construction, incomes:

• 10X miles on motels and rental automobiles booked by means of Capital One Enterprise Journey
• 5X miles on flights and trip leases booked by means of Capital One Enterprise Journey
• 2X miles on all different purchases

The Enterprise X Enterprise retains issues refreshingly easy: You earn a minimum of 2X miles on every thing, in all places. There isn’t any want to trace bonus classes or fear about spending caps. This simplicity is interesting if you wish to earn rewards with out overthinking each buy.

Each playing cards present enticing incomes buildings, however the Enterprise X Enterprise earns 2X miles in all places, plus the identical or higher charges when reserving by means of the cardboard issuer’s journey portal.

The Amex Enterprise Platinum affords entry to in style switch companions like Delta SkyMiles, Hilton Honors and Air Canada Aeroplan. One standout profit: You may get 35% of your factors again (as much as 1 million factors again yearly) whenever you use Membership Rewards to ebook flights by means of Amex Journey together with your chosen qualifying airline.

The Capital One Enterprise X Enterprise permits you to switch miles to loyalty packages corresponding to British Airways, Flying Blue (Air France-KLM) and Turkish Airways. You may as well redeem miles for journey purchases at 1 cent per mile to erase journey prices made within the final 90 days or to ebook journey by means of Capital One Enterprise Journey.

Beneath is a comparability of the switch companions out there with every program. All switch ratios are 1:1 except famous:

The flexibleness is comparable, although Capital One affords extra switch companions. Your choice could come right down to which airline and resort packages you employ most steadily.

The Amex Enterprise Platinum takes a extra sophisticated strategy with a $200 airline price credit score that solely covers incidental charges (like checked baggage and seat choices) with one qualifying airline you choose yearly. It will not sometimes cowl ticket purchases, which limits its usefulness.

Moreover, the Amex Enterprise Platinum affords as much as $600 in assertion credit for pay as you go High quality Inns + Resorts or The Resort Assortment bookings by means of Amex Journey (as much as $300 semiannually; The Resort Assortment requires a minimal two-night keep). You may as well earn as much as $200 in Hilton credit per 12 months (as much as $50 again per quarter; enrollment required). Whereas beneficial for luxurious motels and Hilton stays, these advantages require extra planning and are extra restrictive.

Though the Capital One Enterprise X Enterprise affords a smaller journey credit score, it’s far simpler to make use of and applies to a broader vary of journey.

Airport lounge entry

That is the place issues get attention-grabbing — and the place the Enterprise X Enterprise loses a few of its edge.

The Amex Enterprise Platinum affords in depth lounge entry by means of the American Specific World Lounge Assortment, together with:

• Centurion Lounges
• Delta Sky Golf equipment (10 visits yearly when flying Delta or limitless with $75,000 in annual spending)
• Precedence Go lounges
• Plaza Premium lounges
• Escape Lounges
• Lufthansa lounges

Nonetheless, complimentary visitor entry at Centurion Lounges is not computerized. As a substitute, you want to spend $75,000 per calendar 12 months to deliver two complimentary visitors.

The Enterprise X Enterprise at the moment affords entry to:

• Capital One Lounges
• Capital One Landings (smaller lounges for shorter waits)
• Precedence Go lounges
• Two complimentary visitors in any respect these lounges

Necessary lounge entry adjustments coming February 2026

Beginning February 1, 2026, the Enterprise X Enterprise is implementing vital adjustments to its lounge visitor insurance policies:

For Capital One Lounges and Landings:

• Visitors will not obtain complimentary entry
• Visitors will value $45 per go to ($25 for visitors 17 and below; youngsters below two are free)
• Exception: Major cardholders who spend $75,000 or extra on their card in a calendar 12 months can deliver as much as two complimentary visitors to Capital One Lounges and one visitor to Capital One Landings; spending in 2025 counts towards 2026 advantages, and complimentary entry is legitimate for the calendar 12 months you hit the brink plus the next 12 months

For Precedence Go lounges:

• Enterprise X Enterprise major cardholders will proceed to obtain complimentary entry for 2 visitors
• Extra visitors past two will value $35 per visitor per go to

For extra cardholders (worker playing cards):

• Beforehand, Enterprise X Enterprise did not provide lounge entry for extra cardholders in any respect
• Now, major cardholders can add lounge entry for worker playing cards by paying $125 yearly per card
• Those that pay the price get entry to Capital One Lounges, Landings and Precedence Go lounges
• These eligible extra cardholders additionally obtain complimentary entry for 2 visitors at Precedence Go lounges

The upcoming adjustments to the Enterprise X Enterprise card diminish its worth, particularly for many who steadily journey with household or colleagues. The Amex Enterprise Platinum has a bonus in lounge amount and high quality.

Assertion credit and perks

The Amex Enterprise Platinum is loaded with assertion credit, although utilizing all of them requires effort:

• As much as $360 in Certainly credit (as much as $90 per quarter; enrollment required)
• As much as $209 in CLEAR Plus credit yearly for an auto-renewing membership
• As much as $150 in Dell assertion credit yearly, plus an extra $1,000 credit score after spending $5,000+ with Dell per calendar 12 months (enrollment required)
• As much as $250 in Adobe assertion credit after spending $600+ yearly (enrollment required)
• As much as $120 in wi-fi credit yearly (enrollment required)
• Obtain both a press release credit score each 4 years after you apply for World Entry ($120) or a press release credit score each 4.5 years after you apply for a five-year membership for TSA PreCheck® (as much as $85 by means of a TSA PreCheck official enrollment supplier) and pay the appliance price together with your Enterprise Platinum Card®

The cardboard additionally offers Hilton Honors Gold and Marriott Bonvoy Gold elite standing, plus The Main Inns of the World Leaders Membership Sterling standing.

For companies that may use Certainly, Dell, Adobe and wi-fi providers credit, these perks add as much as over $1,000 in annual worth. However for those who do not want these providers, they’re nugatory to you. For bigger companies, after spending $250,000+ on eligible purchases in a calendar 12 months, you may obtain:

• As much as $1,200 in assertion credit for flights booked by means of AmexTravel.com
• As much as $2,400 in assertion credit for Amex One AP month-to-month charges (Amex’s account payable service)

The Enterprise X Enterprise retains issues easier with fewer however extra universally helpful advantages:

• 10,000 anniversary bonus miles (value $100 in journey)
• As much as $120 in World Entry or TSA PreCheck credit each 4 years
• Entry to Capital One’s Premier Assortment (luxurious resort reserving with elite-like perks together with room upgrades, every day breakfast credit, late checkout and extra)
• Entry to Capital One’s Way of life Assortment motels

Journey protections

Each playing cards provide complete journey insurance coverage advantages. The Amex Enterprise Platinum offers journey cancellation and interruption protection, journey delay, baggage insurance coverage and secondary rental automobile protection.*

The Enterprise X Enterprise affords related protections, together with journey cancellation/interruption insurance coverage, misplaced baggage reimbursement, rental automobile collision injury protection, journey accident insurance coverage and prolonged guarantee safety.

These advantages are comparable, and each playing cards provide strong safety for enterprise vacationers.

*Eligibility and Profit degree varies by Card. Phrases, Circumstances and Limitations Apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by AMEX Assurance Firm. Automobile Rental Loss or Harm Protection is obtainable by means of American Specific Journey Associated Companies Firm, Inc.

Extra cardholder charges

The Enterprise X Enterprise permits you to add free worker playing cards with no extra value. You possibly can set particular person spending limits and pool all rewards into your account. Beginning in February 2026, you may choose so as to add lounge entry to worker playing cards for $125 per card yearly.

The Amex Enterprise Platinum prices $400 per Worker Enterprise Platinum Card® yearly (up from $350). These cardholders get entry to among the major card’s advantages. You may as well add Worker Enterprise Expense Playing cards for no annual price.

Each the Amex Enterprise Platinum and Capital One Enterprise X Enterprise are wonderful premium enterprise playing cards, however they cater to completely different wants. On the finish of the day, one of the best card is determined by what you are promoting spending patterns and which perks you may truly use.

Select the Amex Enterprise Platinum if:

• You are a frequent flyer who values premium lounge entry
• Can use a number of area of interest assertion credit
• Need complimentary resort elite standing

Alternatively, select the Enterprise X Enterprise for those who:

• Want simplicity with flat-rate rewards and simple journey credit score
• Desire a decrease annual price
• Can meet the $150K spending requirement for the welcome bonus

Atone for CNBC Choose’s in-depth protection of bank cards, banking and cash, and comply with us on TikTok, Fb, Instagram and Twitter to remain updated.

For charges and costs of The Enterprise Platinum® Card from American Specific, click on right here.

For Capital One merchandise listed on this web page, among the above advantages are offered by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.