It has grow to be tougher to earn welcome bonuses on a number of widespread Capital One cards, as Capital One has applied a 48-month restriction throughout its Enterprise household of playing cards.
This contains the Capital One VentureOne Rewards Credit Card ($0 annual price), the Capital One Venture Rewards Credit Card ($95 annual price) and the Capital One Venture X Rewards Credit Card ($395 annual price).
The brand new rule basically limits cardholders from transferring “down” throughout the Enterprise suite (when it comes to 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 accepted for a Enterprise-family card that expenses the next annual price, so “upward” motion throughout the lineup is allowed.
Listed below are the total particulars.
Capital One’s new Enterprise household rule
As a result of this new Enterprise household rule restricts “downward” motion when it comes to annual charges, present Venture X cardholders who’ve utilized for the cardboard and obtained 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 obtained the bonus within the final 48 months won’t be allowed to open a VentureOne or Venture 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” and not using a welcome bonus.
Let’s break it down by card to know how the rule pertains to every product.
- In case you’re making use of for the VentureOne: You aren’t eligible for the cardboard or the bonus in case you’ve earned the VentureOne, Enterprise or Enterprise X bonus throughout the final 48 months.
- In case you’re making use of for the Enterprise: You aren’t eligible for the cardboard or the bonus in case you’ve earned the Enterprise or Enterprise X bonus throughout the final 48 months. In case you’ve solely opened or obtained the VentureOne bonus, you’re eligible for the Enterprise card and bonus.
- In case you’re making use of for the Enterprise X: You aren’t eligible for the cardboard or bonus in case you’ve opened or earned the Enterprise X bonus throughout the final 48 months. In case you’ve solely opened or obtained the Enterprise or VentureOne bonus, you’re eligible for the Enterprise X card and its bonus.
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Capital One has restricted cardholders to a 48-month waiting period between incomes welcome bonuses on the identical private card since 2023, so this new rule basically expands the restriction to all Enterprise-branded playing cards.
Capital One’s different application 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 things to do when you get the Capital One Venture X
Capital One Enterprise lineup welcome bonuses
In case you’re eligible for a brand new Capital One card in its Enterprise household, you could wish to put in your software to safe one among these welcome presents:
- VentureOne: Obtain $100 to make use of on Capital One Travel 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.
- Venture: Earn 75,000 miles after spending $4,000 on purchases throughout the first three months of account opening.
- Venture 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 lots of methods you possibly can maximize your rewards to make them much more precious.
Associated: The best credit card welcome bonuses this month
Backside line
It is now tougher to be accepted for and obtain a bonus on playing cards inside Capital One’s Enterprise household if you have already got a Enterprise product and obtained it within the final 48 months.
That is an particularly unfavourable change for Venture X cardholders who’ve earned the bonus on that card within the final 48 months, since they’re unable to be accepted for or obtain the bonus for some other private Enterprise card till that 48-month window expires.
You possibly can nonetheless “transfer up” the Enterprise-family ladder, beginning with the VentureOne earlier than going to the Venture or Enterprise X (or going from the Enterprise to the Enterprise X). Nonetheless, it is vital to contemplate all software restrictions when making use of for a brand new card.
Associated: 8 reasons why your credit card application was denied