Venture X Business

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Venture X Business
4.5

Annual fee:
$395

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

No APR since the balance is due in full every month

Buy Now, Pay Later N/A

N/A

Credit Score

740-850 (Excellent)

Rewards Earn 10x miles on hotels and rental cars and 5x miles on flights and vacation rentals booked through Capital One Business Travel. Plus, earn 2x miles on all other purchases.

2x - 10x Miles

Welcome Offer Earn 400,000 bonus miles total: Get 200,000 miles after spending $30,000 in the first 3 months, plus an additional 200,000 miles after spending $150,000 in the first 6 months.

400,000 Miles

Welcome Offer

  • Earn 400,000 bonus miles total: Get 200,000 miles after spending $30,000 in the first 3 months, plus an additional 200,000 miles after spending $150,000 in the first 6 months.

Rewards

  • 10x Miles on Hotels and Rental Cars booked through Capital One Business Travel.
  • 5x Miles on Flights and Vacation Rentals booked through Capital One Business Travel.
  • 2x Miles on All Other Purchases.
  • Annual Bonus: Earn 10,000 bonus miles every year starting on your first card anniversary.

Lounge Access

  • Priority Pass™: Cardholders receive a Priority Pass™ membership with access to more than 1,300 participating airport lounges worldwide on a pay-per-visit basis.
  • Capital One Lounge Access: Relax at Capital One Lounges with all-inclusive amenities like wellness and workspaces, high-speed Wi-Fi, and locally inspired food you can enjoy in the lounge or grab to go.

Redemption Options

  • Redeem miles for flights, hotels, vacation rentals, and more, with no blackout dates or redemption restrictions.
  • 1:1 Mile Transfer: Transfer your miles to top airline and hotel loyalty programs at a 1:1 value.

Fees and APR

  • Annual Fee: $395.
  • Your balance must be paid in full every month, as this card does not allow carrying a balance.
  • Foreign Transaction Fee: None.

Business Perks

  • Free Employee Cards: Issue employee cards at no extra cost and earn rewards on their purchases while keeping spending easy to track.
  • Spend Limits: Set custom spending limits for employee cards and view transactions as soon as they post.
  • Virtual Card Numbers: Make safer online payments without sharing your actual card number with merchants.
  • Flexible Spend Capacity: This card has no preset spending limit and adjusts based on your spending patterns, payment history, and credit profile.
  • Automatic Payments: Set up AutoPay to pay your balance automatically, so you don’t have to log in and pay manually each month.
  • Year-End Summaries: Get an itemized report of your spending to make budgeting and tax time easier.
  • Account Managers: Assign account managers to make purchases and payments, review transactions, and help resolve issues.
  • Purchase Records: Easily and securely download your purchase records in multiple formats, including Quicken®, QuickBooks®, and Excel®.
  • Transaction Details: Stay on top of your spending with detailed merchant information like addresses, logos, phone numbers, and maps when available.
  • Recurring Transactions: Easily view a list of merchants that charge your business card each month, such as subscriptions and recurring bills.
  • Capital One Business Travel: Manage business travel in one place by adding employees and setting travel policies, all through Capital One Business Travel.
  • 24/7 Customer Support: Get help from Capital One Business representatives who are specially trained to support business owners and answer your questions.
  • Easy Vendor Payments: Manage vendor bills by sending and tracking payments directly from your Capital One Business account. Pay by card or ACH bank transfer from any bank, and choose how your vendors receive payments.

Travel Benefits

  • Annual Travel Credit: Get a $300 credit each year for travel booked through Capital One Business Travel.
  • Global Entry/TSA PreCheck®: Get up to $120 every four years for the application fee.
  • Premier Collection: Upgrade your stays at luxury hotels, resorts, and vacation rentals in the Premier Collection. Enjoy a $100 experience credit and other premium benefits with every booking.
  • Hertz President’s Circle® Status: Enjoy top-tier rental car perks just for being a Venture X Business cardholder. Skip the counter at select locations, choose from the widest selection of vehicles, and enjoy faster, more flexible rentals.

Purchase Protections

  • Purchase Protection: Covers eligible new purchases against damage or theft.
  • Extended Warranty Protection: Get extra warranty protection at no cost on eligible items you purchase with your card.

Additional Features

  • Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month - and decide whether to pay your balance in full or just the minimum due.
  • Emergency card replacement and a cash advance.
  • Security Alerts: Get notified by text, email, or phone if Capital One detects potential suspicious activity on your account.
  • Fraud alerts: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
  • Card Lock: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen.
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Capital One Venture X Business is a premium travel credit card designed for business owners who spend heavily on travel and want luxury perks without complicated rewards structures. With unlimited 2X miles on every purchase, a generous sign-up bonus, no foreign transaction fees, valuable travel credits, lounge access, Global Entry or TSA PreCheck®, and strong purchase protections, it offers excellent value that can justify the annual fee. It’s best suited for established businesses that prioritize simple earning, premium travel benefits, and convenient business management tools.