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

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 all the way 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 straightforward one. You get a excessive rewards fee 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 costs.)

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

The mathematics on this one is easy. The annual payment on the Capital One Enterprise X Enterprise is $395 (see charges and costs). 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 multitude of factors with both card’s bonus supply.

If your organization spends closely, the present limited-time supply 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 supply is arguably extra attainable and might instantly offset the price of upcoming journey.

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

The Capital One Enterprise X Enterprise earns twice the rewards for half the value. That’s laborious to disregard. You get 2X miles on each $1 spent and might earn larger rewards (5-10X miles) on journey booked by means of Capital One’s reserving website.

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 all the way down to which of them you’ll truly 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.

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 cross.

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

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

Pay Over Time: That is an optionally available function that permits you to carry a steadiness, with curiosity, from one month to the subsequent, similar to purchases on a daily bank card. You probably have this selection activated, eligible purchases of $100 or extra are routinely categorized as Pay Over Time. The continuing 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 conventional card with a set restrict, the quantity you possibly can spend adapts primarily based on components equivalent to your buy, fee and credit score historical past.

The cardboard does, nevertheless, impose a restrict in your Pay Over Time steadiness. 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 steadiness restrict. In the event 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, due to 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.