Capital One Undertaking X vs. Undertaking X Industry bank card comparability

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Since its 2021 release, the Capital One Undertaking X Rewards Credit score Card has evolved a forged fan base with its top rate perks and cheap annual rate. And in 2023, the Undertaking X Industry burst onto the scene with most of the identical advantages we adore concerning the Undertaking X for a similar $395 annual rate (see Undertaking X Industry charges and charges; Undertaking X charges and charges).

To start with look, the Undertaking X Industry seems virtually just like the Undertaking X — simply with a better welcome bonus and far upper spending requirement. However there are a couple of different variations between the playing cards that can most likely put one forward of the opposite for you.

Here is what you wish to have to understand sooner than opting for the Undertaking X or the Undertaking X Industry.

Undertaking X vs. Undertaking X Industry comparability

	Undertaking X	Undertaking X Industry
Annual rate	$395	$395
Welcome be offering	Earn 75,000 bonus miles after spending $4,000 within the first 3 months from account opening.	Earn 150,000 bonus miles after spending $30,000 within the first 3 months from account opening.
Incomes charges	10 miles according to greenback on lodges and condominium vehicles booked thru Capital One Go back and forth 5 miles according to greenback on flights booked thru Capital One Go back and forth 2 miles according to greenback on all different purchases	10 miles according to greenback on lodges and condominium vehicles booked thru Capital One Go back and forth 5 miles according to greenback on flights booked thru Capital One Go back and forth 2 miles according to greenback on all different purchases
Advantages	$300 again in credit once a year for bookings made thru Capital One Go back and forth 10,000 bonus miles on each account anniversary Complimentary get entry to for cardholders and as much as two visitors according to discuss with to Capital One lounges, Precedence Go lounges and Plaza Top rate lounges Upload as much as 4 licensed customers for no further price, and licensed customers get the similar living room privileges as the main cardholder Get right of entry to to Capital One’s Premier Assortment and Way of life Choice of lodges Hertz President’s Circle standing* As much as $100 in observation credit for TSA PreCheck or World Access as soon as each 4 years Mobile phone coverage Visa Endless card advantages	$300 again in credit once a year for bookings made thru Capital One Go back and forth 10,000 bonus miles on each account anniversary Complimentary get entry to for cardholders and as much as two visitors according to discuss with to Capital One lounges, Precedence Go lounges and Plaza Top rate lounges Complimentary get entry to to Precedence Go non-lounge airport reviews, together with eating places Get right of entry to to Capital One’s Premier Assortment and Way of life Choice of lodges As much as $100 in observation credit for TSA PreCheck or World Access as soon as each 4 years Mastercard Global Elite for Industry advantages

Undertaking X vs. Undertaking X Industry welcome bonus

Each the Undertaking X and the Undertaking X Industry include treasured welcome bonuses. New Undertaking X cardholders gets 75,000 bonus miles after spending $4,000 within the first 3 months of account opening. TPG values Capital One miles at 1.85 cents each and every, making this bonus price $1,388.

The Undertaking X Industry, alternatively, comes with a far upper welcome bonus along side a considerably upper spending requirement. New cardholders gets 150,000 bonus miles after spending $30,000 within the first 3 months of account opening. This bonus is price $2,775, in line with TPG valuations.

Whilst you do not need to be a standard enterprise proprietor as a way to qualify for a enterprise bank card, the spending requirement for the Undertaking X Industry welcome bonus appears to be geared extra towards conventional enterprise homeowners who put vital spending on their card. If you’ll’t hit the prime spending requirement and earn the upper bonus, you will want to move with the Undertaking X for its more uncomplicated trail to a treasured bonus.

Winner: Undertaking X Industry. If you’ll meet the spending requirement, you’ll be able to get double the bonus that you’d with the Undertaking X.

Undertaking X vs. Undertaking X Industry advantages

First of all, each the Undertaking X and Undertaking X Industry seem to have the similar listing of advantages. Regardless of which card you select, you’ll be able to get:

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On the other hand, the 2 playing cards even have some key variations in the advantages they provide.

Essentially the most vital edge the Undertaking X has is that licensed customers get the similar airport living room get entry to as the main cardholder, together with get entry to for as much as two visitors according to discuss with. Moreover, the Undertaking X comes with Hertz President’s Circle standing* and mobile phone coverage.

In the meantime, the Undertaking X Industry does not lengthen airport living room advantages to licensed customers however contains get entry to to Precedence Go eating places.

In a different way they range is that the Undertaking X is a Visa Endless card, whilst the Undertaking X Industry is a Global Elite Mastercard. Each include treasured advantages, however this can be a figuring out distinction for you.

As a Visa Endless card, the Undertaking X provides cardholders further automotive condominium privileges, get entry to to the Visa Endless Luxurious Resort Assortment, Visa Endless Concierge, number one condominium automotive insurance coverage, go back and forth cancellation and interruption insurance coverage, misplaced baggage compensation, and prolonged guaranty and buy coverage.

As a Global Elite Mastercard, the Undertaking X Industry provides cardholders further service provider gives, Global Elite Concierge, condominium automotive standing, a ShopRunner club, get entry to to the Mastercard Luxurious Motels & Accommodations Portfolio and mobile phone coverage.

Notice that whilst the Undertaking X Industry does not have mobile phone coverage in its advantages listing, cardholders obtain mobile phone coverage as one in every of their Global Elite Mastercard perks.

The community distinction would possibly appear minor, however with such a lot of different similarities, this distinction may well be what pointers the scales in prefer of 1 card over the opposite for you. As an example, somebody who spends vital cash at Costco and desires to earn miles on the ones purchases will need to make a choice the Undertaking X since Costco most effective accepts playing cards within the Visa community.

Winner: Undertaking X. The price doable of living room get entry to for licensed customers and Visa Endless shuttle protections makes its advantages listing price greater than that of the Undertaking X Industry.

Incomes miles at the Undertaking X vs. Undertaking X Industry

Each the Undertaking X and the Undertaking X Industry have the similar incomes charges:

10 miles according to greenback on lodges and condominium vehicles booked thru Capital One Go back and forth
5 miles according to greenback on flights bought thru Capital One Go back and forth
2 miles according to greenback on all different purchases

Since each playing cards have the similar incomes charges, if you wish to earn bonus rewards on any particular classes, akin to eating, basic shuttle or different commonplace enterprise bills, you’ll be able to most likely need to discover other card choices.

Winner: Tie. Each playing cards have the similar incomes construction.

Redeeming miles at the Undertaking X vs. Undertaking X Industry

Each the Undertaking X and the Undertaking X Industry earn transferable Capital One miles and feature the similar redemption choices.

Essentially the most treasured redemption possibility is to switch your miles to any of Capital One’s 18 lodge and airline shuttle companions.

Each playing cards additionally provide the more effective way to redeem your miles for a observation credit score to hide shuttle bills or for present playing cards at a charge of one cent according to mile. You’ll be able to additionally redeem your miles for money again, however you’ll be able to most effective get 0.5 cents according to mile, so we suggest warding off this redemption direction up to conceivable.

Winner: Tie. Each playing cards have the similar redemption choices.

Shifting miles with the Undertaking X vs. Undertaking X Industry

Each the Undertaking X and the Undertaking X Industry earn miles that you’ll switch to any of Capital One’s 18 lodge and airline companions, together with choices like Air Canada Aeroplan, Avianca LifeMiles and Wyndham Rewards.

TPG’s personal Kyle Olsen and Matt Moffitt each admire the way to switch their miles to Air France-KLM Flying Blue to get nice price on business-class flights to Europe, particularly when they are able to benefit from a switch bonus. With the big variety of choices to be had, you’ll be able to simply discover a switch possibility that works along with your shuttle personal tastes and targets.

Winner: Tie. Each playing cards have the similar switch choices.

Will have to I am getting the Undertaking X or the Undertaking X Industry?

If you’ll meet the spending requirement to earn the welcome bonus and need Precedence Go eating place get entry to, the Undertaking X Industry is most likely your more sensible choice. On the other hand, if you wish to have your licensed customers to have their very own airport living room get entry to, the Undertaking X is your winner. And should you choose Visa Endless advantages, you will want to move with the Undertaking X, however Global Elite Mastercard enthusiasts will need to make a choice the Undertaking X Industry.

Final analysis

The Undertaking X and Undertaking X Industry have some key similarities, together with an annual credit score, airport living room get entry to and anniversary bonus miles for a similar $395 annual rate. On the other hand, they’ve some vital variations in advantages, akin to living room get entry to for licensed customers and shuttle protections, that can most likely make one card a greater are compatible for you than the opposite. Whether or not you select the non-public or enterprise model, (Undertaking) X marks the spot for top rate perks and an affordable annual rate.

For extra main points, take a look at our complete evaluation of the Undertaking X and our complete evaluation of the Undertaking X Industry.

For Capital One merchandise indexed in this web page, one of the above advantages are equipped by means of Visa® or Mastercard® and might range by means of product. See the respective Information to Advantages for main points, as phrases and exclusions observe.

*Upon enrollment, out there in the course of the Capital One site or cell app, eligible cardholders will stay at upgraded standing stage thru December 31, 2024. Please observe enrolling in the course of the customary Hertz Gold Plus Rewards enrollment procedure (e.g., at Hertz.com) is not going to mechanically stumble on a cardholder as being eligible for this system, and cardholders may not be mechanically upgraded to the appropriate standing tier. Further phrases observe

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