Capital One Enterprise X Holders Are Dropping Beloved Lounge Entry Perks

When it launched, the Capital One Enterprise X Rewards Credit score Card shortly gained reputation for its beneficiant lounge entry insurance policies. However beginning in 2026, a lot of these advantages are altering or going away.

On Feb. 1, 2026, approved customers will lose their complimentary airport lounge entry. That’s a significant shift for the premium journey rewards bank card, which boasted of its means to share advantages with approved customers when it first launched in 2021.

Capital One Enterprise X Rewards Credit score Card holders may also lose complimentary entry for friends to lounges within the Precedence Go community. Capital One Enterprise X Enterprise cardholders is not going to be affected and can nonetheless be capable to carry two friends to Precedence Go lounges.

“As airport lounges proceed to develop in reputation throughout the trade, we’ve seen our prospects more and more encounter wait occasions to enter them,” Capital One stated in a press release explaining the modifications.

These card updates mirror steps that American Specific has taken to restrict the variety of individuals in its Centurion lounges.

Beginning Feb. 1, 2026, you’ll now not be capable to use the Capital One Enterprise X Rewards Credit score Card to carry friends to lounges at no cost.

To regain free visitor entry for Capital One Lounges and Landings, you’ll have to spend a minimum of $75,000 in your card in a single calendar yr. After that, you’ll be capable to herald two friends at no cost to Capital One Lounges by means of the next calendar yr. For visits to Capital One Landings, you’ll be restricted to at least one visitor. (Landings are sit-down eating places, not conventional lounges.)

Capital One Enterprise X Rewards Credit score Card holders may also lose complimentary entry for friends to lounges within the Precedence Go community.

Whereas major cardholders on the Capital One Enterprise X Rewards Credit score Card will nonetheless be capable to add or preserve approved customers at no cost, these extra cardholders received’t get complimentary lounge entry (even when they’re an account supervisor). As an alternative, you’ll have to pay an annual lounge entry charge of $125 for every extra cardholder. This may grant them entry to Capital One Lounges, Capital One Landings and Precedence Go lounges.

Should you at the moment have extra cardholders in your account, discuss to them and work out what the precise strategy is. Your approved consumer could also be keen to pay you $125 to cowl the charge, or they could resolve to get a Capital One Enterprise X Rewards Credit score Card (or one other journey card) of their very own.

Beginning Feb. 1, 2026, you’ll now not be capable to carry friends in at no cost to Capital One Lounges and Landings, until you spend $75,000 in your card in a calendar yr. Should you hit that spending requirement, the visitor coverage is similar as earlier than: two for Lounges and one for Landings. You’ll nonetheless be capable to carry two friends at no cost into Precedence Go lounges as soon as the brand new guidelines go into impact.

On the Capital One Enterprise X Enterprise, as much as 4 extra cardholders can obtain lounge entry at an annual charge of $125 per particular person. They may get their very own Precedence Go memberships and be capable to carry two friends at no cost. Beforehand, approved customers didn’t get any complimentary lounge entry.

Capital One is reducing its pricing for minors at its places for each Capital One Enterprise X Rewards Credit score Card and Capital One Enterprise X Enterprise holders.

If you wish to herald extra friends past these included at no cost, you’ll proceed to pay a reduced fee of $45 per grownup visitor per go to. (The usual fee is $90 per go to.)

Efficient instantly, Capital One will decrease the speed for every visitor 17 and below to $25. Kids below 2 can enter at no cost.

Further friends for Precedence Go lounges are $35 every.

The Capital One Enterprise X Rewards Credit score Card has at all times stood out for its beneficiant lounge entry insurance policies for approved customers in addition to friends, and sadly, I am not shocked by the modifications. It was solely a matter of time earlier than Capital One adopted within the footsteps of American Specific and Chase, which require a further charge for approved customers every year for their very own flagship journey bank cards.

Until you are a solo traveler, these modifications are a significant blow to the worth proposition of the cardboard, and it is perhaps time to rethink.

For one factor, Capital One doesn’t have that many places to start with. In the meantime, American Specific and Chase accomplice with Delta Air Strains and Air Canada, respectively, to supply cardholders much more lounge entry when flying with these airline companions — one thing that Capital One additionally lacks.

However at $395 a yr, Capital One’s premium journey card nonetheless presents compelling worth for vacationers — even with the lowered lounge entry advantages. The cardboard comes with a $300 annual journey credit score that can be utilized in Capital One’s journey portal, in addition to 10,000 bonus miles on every account anniversary. Plus, it earns 2 miles per $1 on each buy. That’s stable, particularly in case you solely need one card in your pockets and don’t take pleasure in determining which one presents the most effective rewards for every buy.

Miles may be redeemed at 1 cent per mile within the journey portal or transferred to certainly one of Capital One’s resort or airline companions. In comparison with different premium journey playing cards, the Capital One Enterprise X Rewards Credit score Card remains to be comparatively simple to make use of. Capital One hasn’t adopted American Specific’ “coupon e-book” mannequin, the place the issuer justifies a sky-high annual charge with onerous credit which might be tough to make use of and preserve monitor of.

So long as you employ the annual journey credit score and bonus miles, that helps recoup the price of your entire charge.

If lounge entry is your prime precedence and also you’re able to ditch your Capital One card, you would possibly contemplate the Chase Sapphire Reserve®, which has its personal community of well-regarded lounges. Cardholders can carry two friends at no cost into Precedence Go lounges, together with its Chase Sapphire Lounges by The Membership.

The cardboard does include a hefty $550 annual charge and expenses $75 a yr for approved customers, who will get their very own Precedence Go memberships. Different advantages embrace incomes 3 factors per $1 spent on journey and eating purchases, in addition to a $300 annual credit score for journey purchases. Not like the Capital One journey credit score, this doesn’t include the restriction of getting to make use of Chase’s journey portal.