Enterprise X Enterprise vs. AmEx Enterprise Platinum: Which Card Ought to You Select?

The Enterprise Platinum Card® from American Categorical and the Capital One Enterprise X Enterprise are atop NerdWallet’s checklist of the greatest enterprise journey playing cards. However which is healthier for you? The selection comes right down to the perks you need and the way a lot work you’ll put in to maximise them.

The case for the Enterprise X Enterprise Card is a simple one. You get a excessive rewards charge and simple perks, together with a $300 annual journey credit score that just about cancels out the cardboard’s $395 annual payment. (See charges and charges.)

The argument for The Enterprise Platinum card is extra difficult. This card has a decrease reward charge than the Enterprise X Enterprise however much more perks. Lots of these extras are coupon-style reductions on software program or journey. In case you money these all in every year, the cardboard’s sky-high annual payment ($695) could also be value it. However that may take numerous effort.

The mathematics on this one is easy. The annual payment on the Capital One Enterprise X Enterprise is $395 (see charges and charges). The Enterprise Platinum Card® from American Categorical is sort of double that at $695.

Each charges might be recouped with every card’s advantages. It simply takes much more effort to cancel out that $695 every year.

You possibly can internet a large number of factors with both card’s bonus provide.

If your organization spends closely, the present limited-time provide from the Enterprise X Enterprise is difficult to beat.

For a restricted time, earn as much as 350,000 bonus miles: 150,000 miles when you spend $30,000 within the first 3 months, and an extra 200,000 miles when you spend $200,000 within the first 6 months.

However the Enterprise Platinum’s present welcome provide is arguably extra attainable and may straight offset the price of upcoming journey.

Restricted Time Journey Supply: Earn 150,000 Membership Rewards® factors after you spend $20,000 on eligible purchases in your Enterprise Platinum Card® throughout the first 3 months of Card Membership. Plus, earn a $500 assertion credit score after you spend $2,500 on qualifying flights booked straight with airways or by American Categorical Journey along with your Enterprise Platinum Card® throughout the first 3 months of Card Membership. You possibly can earn one or each of those provides. Supply ends 6/30/25. Phrases Apply.

The Capital One Enterprise X Enterprise earns twice the rewards for half the worth. That’s arduous to disregard. You get 2X miles on each $1 spent and may earn larger rewards (5-10X miles) on journey booked by Capital One’s reserving web site.

The Enterprise Platinum Card® from American Categorical solely earns 1X level per $1 on most purchases. Certain, you’ll get 1.5X factors in choose classes (as much as $2 million per card account per calendar 12 months) and 5X factors on journey booked through AmexTravel.com. Phrases apply. However the fact is, you’ll get extra factors per $1 from just about another enterprise journey card than you’ll from the Enterprise Platinum.

The Enterprise Platinum and Enterprise X Enterprise each include a cache of helpful perks. The distinction comes right down to which of them you’ll really use — and, maybe, which airport lounges you like.

The Enterprise X Enterprise Card’s checklist of advantages is shorter than the Enterprise Platinum, however easier.

• $300 annual journey credit score for bookings by Capital One’s journey portal.

• $120 assertion credit score on TSA PreCheck® or World Entry.

• Entry to greater than 1,300 airport lounges, together with Capital One, Precedence Cross and Plaza Premium Group lounges.

The Enterprise Platinum Card, alternatively, has an inventory of perks a mile lengthy — the trick is to make use of them. It doesn’t damage that the checklist contains entry to AmEx’s personal Centurion airport lounges; these are a favourite amongst frequent vacationers and really a members-only lounge. You possibly can’t buy a membership or day move.

• $200 annual assertion credit score for incidental charges (baggage, leisure, and so forth.) on one airline that you choose every year.

• $199 annual assertion credit score towards the price of a CLEAR Plus membership if you pay for it along with your Enterprise Platinum Card.

• $120 assertion credit score on World Entry software payment, or $85 for TSA PreCheck®, when it is charged to the cardboard.

• $200 annual assertion credit score for eligible purchases at Hilton properties.

• Entry to greater than 1,400 airport lounges, together with Centurion Lounges, Delta Sky Golf equipment (when flying Delta) and Precedence Cross lounges

• Computerized Gold standing within the Marriott Bonvoy and Hilton Honors applications.

• $400 Dell assertion credit score yearly.

• $360 Certainly assertion credit score (as much as $90 quarterly).

• $120 in assertion credit per 12 months ($10 monthly) for wi-fi telephone service.

• $150 Adobe assertion credit every year for eligible pay as you go marketing strategy purchases.

• Enrollment required. Phrases and situations apply.

The Enterprise X Enterprise Card is a real enterprise cost card, so all expenses should be paid in full every month.

The Enterprise Platinum Card affords a bit extra flexibility for individuals who want it, with pay-in-full and pay-over-time choices.

Pay Over Time: That is an non-compulsory function that lets you carry a stability, with curiosity, from one month to the following, identical to purchases on a daily bank card. If in case you have this selection activated, eligible purchases of $100 or extra are routinely labeled as Pay Over Time. The continued APR is eighteen.49%-27.49% Variable APR.

The Enterprise Platinum Card® from American Categorical doesn’t have a preset spending restrict, that means your spending restrict is versatile. In contrast to a standard card with a set restrict, the quantity you may spend adapts primarily based on components reminiscent of your buy, cost and credit score historical past.

The cardboard does, nevertheless, impose a restrict in your Pay Over Time stability. any purchases above that restrict turn out to be Pay In Full. Phrases apply.

Pay In Full: These purchases should be paid off utterly every month, so they don’t incur curiosity. All purchases of lower than $100 are Pay In Full, as are any purchases over your Pay Over Time stability restrict. In case you select to not use Pay Over Time, then all purchases are Pay In Full. Phrases apply.

We’d decide the Capital One Enterprise X Enterprise for many companies, because of its decrease annual payment, larger ongoing rewards and simple journey perks.

However in case you’re after elite standing and entry into Centurion lounges, The Enterprise Platinum Card® from American Categorical could also be simply the ticket.