It has develop into tougher to earn welcome bonuses on a number of well-liked Capital One playing cards, as Capital One has applied a 48-month restriction throughout its Enterprise household of playing cards.
This consists of the Capital One VentureOne Rewards Credit score Card ($0 annual charge), the Capital One Enterprise Rewards Credit score Card ($95 annual charge) and the Capital One Enterprise X Rewards Credit score Card ($395 annual charge).
The brand new rule primarily limits cardholders from transferring “down” throughout the Enterprise suite (by way of annual charges) in the event that they’ve opened a brand new Enterprise-family card and earned a bonus within the final 48 months.
Capital One nonetheless permits these with the lower-annual-fee merchandise to be authorised for a Enterprise-family card that prices a better annual charge, so “upward” motion throughout the lineup is allowed.
Listed below are the complete particulars.
Capital One’s new Enterprise household rule
As a result of this new Enterprise household rule restricts “downward” motion by way of annual charges, present Enterprise X cardholders who’ve utilized for the cardboard and acquired the bonus within the final 48 months are probably the most affected.
That is as a result of Enterprise X cardholders who’ve opened the $395-annual-fee product or acquired the bonus within the final 48 months is not going to be allowed to open a VentureOne or Enterprise card. A Capital One consultant confirmed to TPG that those that are denied the VentureOne or the Enterprise could also be eligible for a “terms-modified model of VentureOne” with no welcome bonus.
Let’s break it down by card to grasp how the rule pertains to every product.
- If you happen to’re making use of for the VentureOne: You aren’t eligible for the cardboard or the bonus should you’ve earned the VentureOne, Enterprise or Enterprise X bonus throughout the final 48 months.
- If you happen to’re making use of for the Enterprise: You aren’t eligible for the cardboard or the bonus should you’ve earned the Enterprise or Enterprise X bonus throughout the final 48 months. If you happen to’ve solely opened or acquired the VentureOne bonus, you might be eligible for the Enterprise card and bonus.
- If you happen to’re making use of for the Enterprise X: You aren’t eligible for the cardboard or bonus should you’ve opened or earned the Enterprise X bonus throughout the final 48 months. If you happen to’ve solely opened or acquired the Enterprise or VentureOne bonus, you might be eligible for the Enterprise X card and its bonus.
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Capital One has restricted cardholders to a 48-month ready interval between incomes welcome bonuses on the identical private card since 2023, so this new rule primarily expands the restriction to all Enterprise-branded playing cards.
Capital One’s different software restrictions require you to attend six months between approvals for brand spanking new Capital One playing cards, together with each private and enterprise playing cards.
Associated: 6 issues to do while you get the Capital One Enterprise X
Capital One Enterprise lineup welcome bonuses
If you happen to’re eligible for a brand new Capital One card in its Enterprise household, you could wish to put in your software to safe one in every of these welcome affords:
- VentureOne: Obtain $100 to make use of on Capital One Journey in your first cardholder yr (no spending required), plus earn 20,000 miles after spending $500 on purchases within the first three months of account opening.
- Enterprise: Earn 75,000 miles after spending $4,000 on purchases throughout the first three months of account opening.
- Enterprise X: Earn 75,000 miles after spending $4,000 on purchases throughout the first three months of account opening.
TPG’s October 2025 valuations deem Capital One miles as price 1.85 cents apiece, and there are numerous methods you may maximize your rewards to make them m
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