Capital One Venture X Business review
The convenience, simplicity, and lucrative rewards offered by this credit card make it a powerful addition to your corporate wallet. Plus, a valuable welcome bonus starts membership off on the right foot.
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Credit Score: credit_score_neededKey Features
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- Earn signup_reward miles once you spend signup_bonus_spend_amount in the first three months.
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel.
- Receive 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Business Travel.
- This card is a charge card, not a traditional credit card. That said, you'll be expected to pay your balance, in full, at the end of each billing cycle. This may not be ideal for all consumers.
Capital One Venture X Business Card welcome offer
If you plan to use your Capital One Venture X Business as your "go-to" card for corporate expenses, you’ll be able to take advantage of a lucrative welcome offer. Earn signup_reward miles once you spend signup_bonus_spend_amount in the first three months.
Capital One Venture X Business Card benefits
Capital One Venture X Business is a strong card offering numerous benefits for your business. The majority of these benefits center on travel.
In addition to the eye-popping welcome bonus, you can earn 5X miles on flights and vacation rentals and 10X miles on car rentals and hotel stays booked through Capital One Business Travel. You earn 2X miles on all other purchases.
What does this translate to in terms of rewards? If you were to spend $4,000 a month on flights, $3,000 a month on hotel stays and another $2,000 on car rentals, you would earn 70,000 miles a month. That would be worth $700 when redeemed for travel-related expenses through Capital One Business Travel. Over the course of a year with those same habits, you would earn 840,000 miles, worth $8,400 in travel.
Beyond what you earn, you will also receive 10,000 bonus miles each year on your card anniversary and a $300 annual credit for travel booked through Capital One Business Travel.
Card membership also comes with unlimited free access to Capital One lounges and 1,300+ airport lounges globally including Capital One Lounge locations and Priority Pass™ lounges, after enrollment. In addition, you receive up to $120 in statement credits for your TSA PreCheck or Global Entry application fee.
Additional benefits include:
- No pre-set spending limits
- No foreign transaction fees
- Free additional cards and virtual cards for employees
- The flexibility to transfer your miles to Capital One travel partners, including Air Canada, British Airways and Virgin Red
- Cell phone protection up to $600 per claim
- $0 fraud liability for unauthorized use
- Extended warranty
How do you earn miles with the Capital One Venture X Business Card?
The rewards program with Capital One Venture X Business is delightfully simple, which is important for busy business owners. You earn 2X miles for every dollar spent, and there are no limits on how many miles you can earn.
In addition, when you do your travel booking through Capital One Business Travel, you can earn 5X miles on all your flights and vacation rentals and 10X miles on your hotel stays and car rentals. If you and your staff do a great deal of travel for business, these rewards can add up in a hurry.
You also receive 10,000 annual bonus miles on your card anniversary, as well as an annual $300 travel credit when you book through Capital One Business Travel.
Redeeming miles with the Capital One Venture X Business Card
Capital One Venture X Business offers a few different options for redeeming your miles through the Venture Miles app.
If you redeem your miles for travel-related expenses through Capital One Business Travel, each mile is worth $0.01. Earn 100,000 miles, that works out to $1,000 worth of travel expenses.
CardRatings Tip
Miles can also be transferred to more than 15 partner airline and hotel programs. The value then depends on the specific program; you can learn more in our Guide to Capital One Miles.
What are the potential downsides of the Capital One Venture X Business Card ?
- Like most premium cards, Capital One Venture X Business requires an excellent credit score for approval, though, other factors may also be considered.
- The annual_fees annual fee can be off-putting, but its easily covered by the welcome bonus, the annual travel credit, annual bonus miles and other perks.
- You need to remember that this card is not a credit card, it’s a charge card. You are expected to pay your balance, in full, at the end of each billing cycle. This is important to note for budgeting purposes.
How does the Capital One Venture X Business Card compare to other business cards?
Capital One Venture X Business vs. Ink Business Preferred(R) Credit Card
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While Capital One Venture X Business offers a higher welcome offer of signup_reward miles once you spend signup_bonus_spend_amount in the first three months. The Ink Business Preferred(R) Credit Card bonus of signup_reward bonus points after you spend signup_bonus_spend_amount on purchases in the first three months from account opening; that’s $900 cash back, or $1,125 toward travel when redeemed through Chase Travel℠.
Capital One Venture X Business offers a higher standard rewards rate (2X miles to 1X points) and Ink Business Preferred(R) Credit Card cannot match the 5X miles on flights and vacation rentals and 10X miles on car rentals and hotel stays offered through Capital One Business Travel. That said, the Ink Business Preferred(R) Credit Card does offer 3X points on the first $150,000 spent on travel, shipping, advertising, internet, cable and cell services.
Ink Business Preferred(R) Credit Card also doesn’t offer the same travel-related perks as Capital One such as airport lounge access and reimbursement for a TSA PreCheck or Global Entry application fee. However, accrued points are worth more when redeemed through Chase Travel℠. That means the welcome bonus of 90,000 miles can be worth as much as $1,125 towards travel.
Finally, the Ink Business Preferred(R) Credit Card annual fee is much more manageable at annual_fees.
Capital One Venture X Business vs. The Business Platinum(R) Card from American Express
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While Capital One Venture X Business is a charge card, The Business Platinum(R) Card from American Express is a hybrid. Purchases of under $100 must be "Paid in Full" each month. Purchases of $100 or more are eligible to be "Paid over Time," with a starting interest rate of reg_apr,reg_apr_type. American Express is a CardRatings advertiser; See Rates and Fees
The Business Platinum(R) Card from American Express offers a similar welcome bonus, though it is somewhat easier to attain. New cardholders can earn signup_reward Membership Rewards® points after you spend signup_bonus_spend_amount in eligible purchases within the first three months of card membership.
The Business Platinum(R) Card from American Express matches Capital One Venture X Business with 5X rewards points earned on flights (booked on AmexTravel.com), but only offers that same rate on hotels (booked on AmexTravel.com), compared to the 10X miles on car rentals and hotel stays the Capital One Venture X Business can earn on bookings made through Capital One Business Travel.
The Business Platinum(R) Card from American Express also offers 2X points on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus; and 1X points on other eligible purchases.
When it comes to the annual fee, the annual_fees charged by The Business Platinum(R) Card from American Express is steep. See Rates and Fees
Is the Capital One Venture X Business card worth it?
When it comes to the Capital One Venture X Business, it’s all about your company’s level of spending and amount of travel. This card is not for everyone. The annual fee is hefty, but it can be easily covered if your spending and travel habits allow you to take full advantage of the Venture Miles rewards program. If they do, then the convenience, simplicity and lucrative rewards of the Capital One Venture X Business card make it a powerful addition to your corporate wallet.
Frequently asked questions
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Our Methodology
Survey methodology: CardRatings commissioned Slice MR in November 2024 to survey 1,666 cardholders nationwide. CardRatings’ website analytics from Jan. 1, 2024-Oct. 31, 2024 were used to determine a selection of the most popular cards. Responses to 10 questions were given on a scale of 1-10. For nine of these questions, respondents’ scores were averaged under broad topics. The overall rating represents an average of respondents’ responses to their overall rating of each card.
Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.
For Capital One products listed on this page, some of the benefits may be provided by Visa(R) or Mastercard(R) and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply. For rates and fees for the American Express cards mentioned in this article, please see the following links: The Business Platinum(R) Card from American Express (See Rates and Fees); American Express(R) Business Gold Card (See Rates and Fees)
