When it launched, the Capital One Enterprise X Rewards Credit score Card rapidly gained recognition for its beneficiant lounge entry insurance policies. However beginning in 2026, lots of these advantages are altering or going away.

On Feb. 1, 2026, licensed customers will lose their complimentary airport lounge entry. That’s a significant shift for the premium journey rewards bank card, which boasted of its potential to share advantages with licensed customers when it first launched in 2021.

Capital One Enterprise X Rewards Credit score Card holders will even lose complimentary entry for friends to lounges within the Precedence Cross community. Capital One Enterprise X Enterprise cardholders is not going to be affected and can nonetheless be capable to convey two friends to Precedence Cross lounges.

“As airport lounges continue to grow in popularity across the industry, we’ve seen our customers increasingly encounter wait times to enter them,” Capital One stated in an announcement explaining the modifications.

These card updates mirror steps that American Specific has taken to restrict the variety of individuals in its Centurion lounges.

Beginning Feb. 1, 2026, you’ll not be capable to use the Capital One Enterprise X Rewards Credit score Card to convey friends to lounges without spending a dime.

To regain free visitor entry for Capital One Lounges and Landings, you’ll have to spend at the least $75,000 in your card in a single calendar yr. After that, you’ll be capable to herald two friends at no cost to Capital One Lounges by means of the next calendar yr. For visits to Capital One Landings, you’ll be restricted to at least one visitor. (Landings are sit-down eating places, not conventional lounges.)

Capital One Enterprise X Rewards Credit score Card holders will even lose complimentary entry for friends to lounges within the Precedence Cross community.

Whereas main cardholders on the Capital One Enterprise X Rewards Credit score Card will nonetheless be capable to add or preserve licensed customers without spending a dime, these further cardholders received’t get complimentary lounge entry (even when they’re an account supervisor). As an alternative, you’ll have to pay an annual lounge entry price of $125 for every further cardholder. This can grant them entry to Capital One Lounges, Capital One Landings and Precedence Cross lounges.

When you at present have further cardholders in your account, speak to them and work out what the suitable strategy is. Your licensed person could also be prepared to pay you $125 to cowl the price, or they could determine to get a Capital One Enterprise X Rewards Credit score Card (or one other journey card) of their very own.

Beginning Feb. 1, 2026, you’ll not be capable to convey friends in without spending a dime to Capital One Lounges and Landings, until you spend $75,000 in your card in a calendar yr. When you hit that spending requirement, the visitor coverage is similar as earlier than: two for Lounges and one for Landings. You’ll nonetheless be capable to convey two friends without spending a dime into Precedence Cross lounges as soon as the brand new guidelines go into impact.

On the Capital One Enterprise X Enterprise, as much as 4 further cardholders can obtain lounge entry at an annual price of $125 per individual. They may get their very own Precedence Cross memberships and be capable to convey two friends without spending a dime. Beforehand, licensed customers didn’t get any complimentary lounge entry.

Capital One is decreasing its pricing for minors at its places for each Capital One Enterprise X Rewards Credit score Card and Capital One Enterprise X Enterprise holders.

If you wish to herald further friends past these included without spending a dime, you’ll proceed to pay a reduced fee of $45 per grownup visitor per go to. (The usual fee is $90 per go to.)

Efficient instantly, Capital One will decrease the speed for every visitor 17 and beneath to $25. Youngsters beneath 2 can enter without spending a dime.

Further friends for Precedence Cross lounges are $35 every.

The Capital One Enterprise X Rewards Credit score Card has all the time stood out for its beneficiant lounge entry insurance policies for licensed customers in addition to friends, and sadly, I am not shocked by the modifications. It was solely a matter of time earlier than Capital One adopted within the footsteps of American Specific and Chase, which require a further price for licensed customers annually for their very own flagship journey bank cards.

Until you are a solo traveler, these modifications are a significant blow to the worth proposition of the cardboard, and it could be time to rethink.

For one factor, Capital One doesn’t have that many places to start with. In the meantime, American Specific and Chase accomplice with Delta Air Strains and Air Canada, respectively, to supply cardholders much more lounge entry when flying with these airline companions — one thing that Capital One additionally lacks.

However at $395 a yr, Capital One’s premium journey card nonetheless gives compelling worth for vacationers — even with the decreased lounge entry advantages. The cardboard comes with a $300 annual journey credit score that can be utilized in Capital One’s journey portal, in addition to 10,000 bonus miles on every account anniversary. Plus, it earns 2 miles per $1 on each buy. That’s strong, particularly if you happen to solely need one card in your pockets and don’t get pleasure from determining which one gives the very best rewards for every buy.

Miles may be redeemed at 1 cent per mile within the journey portal or transferred to one in all Capital One’s resort or airline companions. In comparison with different premium journey playing cards, the Capital One Enterprise X Rewards Credit score Card remains to be comparatively straightforward to make use of. Capital One hasn’t adopted American Specific’ “coupon book” mannequin, the place the issuer justifies a sky-high annual price with onerous credit which might be troublesome to make use of and preserve monitor of.

So long as you utilize the annual journey credit score and bonus miles, that helps recoup the price of the whole price.

If lounge entry is your high precedence and also you’re able to ditch your Capital One card, you may take into account the Chase Sapphire Reserve®, which has its personal community of well-regarded lounges. Cardholders can convey two friends without spending a dime into Precedence Cross lounges, together with its Chase Sapphire Lounges by The Membership.

The cardboard does include a hefty $550 annual price and costs $75 a yr for licensed customers, who will get their very own Precedence Cross memberships. Different advantages embrace incomes 3 factors per $1 spent on journey and eating purchases, in addition to a $300 annual credit score for journey purchases. Not like the Capital One journey credit score, this doesn’t include the restriction of getting to make use of Chase’s journey portal.