Venture X Business from Capital One: Premium Travel Perks for High-Spending Businesses
Earn unlimited 2X miles on every purchase, enjoy airport lounge access, a $300 annual travel credit, and premium travel perks for a $395 annual fee. New cardholders can earn 150,000 bonus miles after spending $30,000 in the first three months.
The Bottom Line
4.6
BIG4CREDIT RANKING
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fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
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This premium business travel card earns unlimited 2X miles on every purchase and includes a generous sign-up bonus, lounge access, travel credits, Global Entry or TSA PreCheck®, no foreign transaction fees, and strong purchase protections. It offers excellent value for business owners who travel frequently and want premium perks with simple rewards.
Venture X Business from Capital One
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Annual fee:
$395
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
25.74% Variable APR
Credit Score
670-850 (Good/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 150,000 bonus miles after spending $30,000 in the first 3 months.
150,000 Miles
Pros and Cons
Pros:
- Simple 2X flat-rate miles
- Up to 10X miles on travel booked through Capital One Business Travel
- Sign-up bonus
- Priority Pass™ membership
- $300 Annual Travel Credit
- Global Entry/TSA PreCheck® Statement Credit
- No foreign transaction fees
- Miles can be transferred to over 15 airline and hotel partners
Cons:
- High annual fee
- Capital One transfer partners do not include any large U.S. airlines
- Welcome offer spending requirement is high
Welcome Offer
Earn 150,000 bonus miles after spending $30,000 in the first 3 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.
Redemption Options
- Redeem miles for flights, hotels, vacation rentals, and more, with no blackout dates or redemption restrictions.
Big4credit Tip: Use miles for travel redemptions for the best value.
- Book a trip: 1 cent per mile
- Cover travel purchases: 1 cent per mile
- Redeem with PayPal: 0.8 cent per mile
- Shop with Amazon: 0.8 cent per mile
- Get gift cards: 0.8 cents - 1 cent per mile
- Redeem for cash: 0.5 cent per mile
- Transfer Miles to Travel Partners: Transfer your miles to 15+ airline and hotel loyalty programs for added travel flexibility.
Capital One airline transfer partners:
- Aeromexico Rewards (1:1 ratio)
- Air Canada Aeroplan® (1:1 ratio)
- Avianca Lifemiles (1:1 ratio)
- British Airways Club (1:1 ratio)
- Cathay Pacific Asia Miles (1:1 ratio)
- Emirates Skywards (2:1.5 ratio)
- Etihad Guest (1:1 ratio)
- EVA Air (2:1.5 ratio)
- Finnair Plus (1:1 ratio)
- Flying Blue (1:1 ratio)
- Japan Airlines Mileage Bank (2:1.5 ratio)
- JetBlue (5:3 ratio)
- Qantas Frequent Flyer (1:1 ratio)
- Qatar Airways Privilege Club (1:1 ratio)
- Singapore Airlines KrisFlyer (1:1 ratio)
- TAP Miles&Go (1:1 ratio)
- Turkish Airlines Miles&Smiles (1:1 ratio)
- Virgin Red (1:1 ratio)
Capital One hotel transfer partners:
- Accor Live Limitless (2:1 ratio)
- Choice Privileges (1:1 ratio)
- I Prefer Hotel Rewards (1:2 ratio)
- Wyndham Rewards (1:1 ratio)
Fees and APR
- Annual Fee: $395.
- No Preset Spending Limit: Unlike traditional credit cards with a fixed credit limit, this card has no preset spending limit. Your purchasing power adjusts based on factors such as your payment history, credit profile, and financial resources.
- Pay in Full: Your balance must be paid in full every month, as this card does not allow carrying a balance.
- Pay Over Time: You have the option to carry over a portion of your balance with interest if needed.
- APR for Pay Over Time Purchases: 25.74% Variable APR.
- Foreign Transaction Fee: None.
Annual Credits & Statement Credits
- $300 Annual Travel Credit: Receive a $300 credit each year for travel booked through Capital One Business Travel.
- Annual Bonus: Earn 10,000 bonus miles every year starting on your first card anniversary.
- Up to $120 Global Entry or TSA PreCheck® Credit: Receive a statement credit (up to $120 every four years) as reimbursement for your Global Entry® or TSA PreCheck® application fee.
Lounge Access
- Capital One Lounge Access: Primary cardholders receive complimentary access to Capital One Lounges and Landings.
- Additional Cardholder Lounge Access: Employee and authorized users do not have complimentary lounge access. Primary cardholders can purchase lounge access for additional cardholders for $125 per year.
- Guest Lounge Access: Spend $75,000 in purchases on your Venture X Business account in a calendar year to bring up to two complimentary guests to Capital One Lounges and one complimentary guest to Capital One Landings per visit.
- Discounted Guest Passes: Purchase guest passes for $45 per adult, $25 per guest age 17 and under, while children under 2 receive free admission.
- Priority Pass™ membership: Primary cardholders receive complimentary Priority Pass membership with access to 1,500+ participating airport lounges worldwide (enrollment required).
- Additional Cardholder Lounge Access: Employee and authorized users do not have complimentary Priority Pass access. Lounge access can be added for $125 per additional cardholder annually.
- Guest Lounge Access: Primary cardholders and eligible additional cardholders with the $125 annual lounge access option can bring up to two complimentary guests per visit to participating Priority Pass lounges.
- Additional Guest Passes: Beyond the two complimentary guests, additional guests can access participating Priority Pass lounges for $35 per person, per visit.
Travel Benefits
- 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
- Extended Warranty: Get extra warranty protection at no cost on eligible items you purchase with your card.
Business Tools & Controls
- Free Employee Cards: Add employee cards at no extra cost, earn rewards on their purchases, and set individual spending limits.
- Capital One Business Travel: Manage business travel in one place by adding employees and setting travel policies, all through Capital One Business Travel.
Additional Features
- Virtual Card Numbers: Make safer online payments without sharing your actual card number with merchants.
Ratings
- Net Value & Cost Efficiency: 8/10
- Rewards & Earnings Power: 9.7/10
- Welcome Bonus Value: 8.5/10
- First-Year Earning Boost: 0/10
- APR & Interest Structure: 3/10
- Simplicity & Transparency: 9.4/10
- Perks, Benefits & Protections: 5.1/10
- Issuer Credibility & Stability: 7.6/10
- Installment & BNPL Features: 0/10
- Eligibility & Approval Accessibility: 6.5/10
Terms and Conditions
Click Apply Now to see the terms and conditions.
Capital One credit card customer service: 1-800-227-4825