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.
author Jennifer Doss

Capital One Venture X Business

Capital One Venture X Business
Our Rating:   
Excellent

CardRatings Editor's Analysis: Pros & Cons

  • Earn 150,000 bonus miles once you spend $30,000 in the first three months from account opening.
  • Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel.
  • Receive 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One 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.
Terms and Limitations Apply.

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card_name Card Welcome Offer

If you plan to use your card_name as your "go-to" card for corporate expenses, you'll be able to take advantage of a lucrative welcome offer. Cardholders can earn 150,000 bonus miles once you spend $30,000 in the first three months from account opening.

Top Features

 Cash Back on Gas
2X Miles on every purchase
 Cash Back on Groceries
2X Miles on every purchase
 Cash Back on Other
2X Miles on every purchase

card_name Card Benefits

card_name 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 10X miles on car rentals and hotel stays booked through Capital One 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 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 Travel.

Capital One Travel offers a few features designed to save cardholders money. These include price drop protection, price alerts and a price match guarantee. With the latter, if you find a lower price offered on another site, Capital One Travel will match it.

Card membership also comes with unlimited free access to Capital One and Priority Pass lounge access for you and guests at airports around the world. In addition, you receive up to $100 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
  • Extended warranty
See Rates and Fees

How do you earn miles with the card_name Card?

The rewards program with card_name 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 Travel, you can earn 5X miles on all your flights 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 Travel.

Redeeming miles with the card_name Card

card_name 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 Travel, each mile is worth $0.01. Earn 100,000 miles, that works out to $1,000 worth of travel expenses.

Additionally, you could transfer your miles to an eligible travel partner which may offer a boost in your rewards. You can learn more in our Guide to Capital One Miles.

What are the potential downsides of the card_name Card ?

  • Like most premium cards, card_name 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. See Rates and Fees

How does the card_name card compare to other business cards?

card_name card vs. card_name

card_name

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While card_name offers a higher welcome offer of 150,000 bonus miles once you spend $30,000 in the first three months from account opening, the card_name bonus of 120,000 is more easily attainable, requiring just $8,000 in spending over the first three months of account membership.

card_name offers a higher standard rewards rate (2X miles to 1X points) and card_name cannot match the 5X miles on flights and 10X miles on car rentals and hotel stays offered by Capital One. That said, the card_name does offer 3X points on the first $150,000 spent on travel, shipping, advertising, internet, cable and cell services.

card_name 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 25% more when redeemed through Chase Travel℠. That means the welcome bonus of 100,000 miles can be worth as much as $1,500 towards travel.

Finally, the card_name annual fee is much more manageable at annual_fees.

card_name card vs. card_name

discontinued_disclaimer

While card_name is a charge card, the card_name is a hybrid. Purchases of under $100 must be "Paid in Full" each month, like a charge card. Purchases of $100 or more are eligible to be "Paid over Time," like a credit card, with a starting interest rate of reg_apr,reg_apr_type.

card_name offers a similar welcome bonus, though it is somewhat easier to attain. You can earn 150,000 reward points if you spend $20,000 in the first three months after your card is issued.

card_name matches card_name 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 card_name can earn on bookings made through Capital One Travel.

card_name also offers 1.5X points on eligible U.S. construction materials, hardware supplies, at electronic goods retailers, on software and cloud systems, and at shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to two million of these purchases per calendar year. All other eligible purchases earn 1X point.

When it comes to the annual fee, the annual_fees charged by card_name is steep. American Express is a CardRatings advertiser.

card_name Card vs. card_name

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card_name is the less glamorous sister card of the AMEX Business Platinum (see above), with a lower annual fee  of annual_fees, but also a less robust rewards rate and welcome offer.

The biggest difference between card_name and card_name is the structure and complexity of the rewards programs. While card_name has a straightforward and easy-to-understand program (outlined above), the program offered by card_name is a little more complicated and difficult to take full advantage of.

card_name has a more modest welcome bonus of 70,000 points when you spend $10,000 in the first three months after your card is issued. As far as ongoing rewards go, cardholders earn 4X membership points in the two categories where your business spends the most each billing cycle from six eligible categories. While your top two categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top two categories in each billing cycle will count towards the $150,000 cap. Additionally, earn 3x Membership Rewards points on flights and prepaid hotels booked on amextravel.com using your Business Gold card. For the right cardholder, there’s a lot of value to be had here, but clearly it’s a bit more complicated than the rewards offering you get with the Venture card.

Like its sister card, card_name is a hybrid card. Purchases under $100 must be paid in full, like a charge card, while purchases in excess of $100 can be paid over time, like a credit card.

Is the card_name card worth it?

When it comes to the card_name, 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 card_name card make it a powerful addition to your corporate wallet.


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: card_name (See Rates and Fees); card_name (See Rates and Fees)

Capital One Venture X Business Compared to Other Cash back Cards

Apply online for Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Apply online for Chase Freedom Unlimited®
Chase Freedom Unlimited®
Apply online for Citi Double Cash<sup>®</sup> Card
Citi Double Cash® Card
Cash Back on Gas
2X Miles on every purchase 
Cash Back on Gas
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 
Cash Back on Gas
1.5% cash back on all other purchases. 
Cash Back on Gas
1% when you buy plus 1% as you pay 
Cash Back on Gas
1.5% Cash Back on every purchase, every day 
Cash Back on Groceries
2X Miles on every purchase 
Cash Back on Groceries
6% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) 
Cash Back on Groceries
1.5% cash back on all other purchases. 
Cash Back on Groceries
1% when you buy plus 1% as you pay 
Cash Back on Groceries
1.5% Cash Back on every purchase, every day 
Cash Back on other
2X Miles on every purchase 
Cash Back on other
1% Cash Back on other purchases. 
Cash Back on other
1.5% cash back on all other purchases. 
Cash Back on other
1% when you buy plus 1% as you pay 
Cash Back on other
1.5% Cash Back on every purchase, every day 

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.

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