The Capital One Venture X Business is a good option for collecting rewards on all business related purchases and the best travel benefits – all for ‘fairly reasonable annual fee’.

If you’re a business owner looking for slash cards to make the most of multiple types of spending, there are no such card as simple on the market. But, you’ll want to know whether you would rather take advantage of bonus categories or get more business-related perks. You may be better off with another business card if you are, or should I.e.

Despite some good travel benefits and regular incomes, I think the Venture X Business is a great option for many of my friends. ************** 1-2**, **Card rating*.

*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

Venture X Business: The basics

In Capital One’s best travel rewards business card, The Venture X Business is the highest-tier travel Rewards program with transferable Capital Two miles on purchases and solid benefits for cardholders. Unless you know the personal Capital One Venture X Rewards Credit Card, then the business version is basically the same in terms of income and benefits.

In addition, features of the Venture X Business card include airport lounge access and an annual $300 statement credit on tickets booked via Capital One business travel.

The card makes a minimum of 2 miles per dollar on most purchases, with two bonus categories that apply only to certain purchases made within the Capital One Business Travel portal.

The miles you earn to offset travel purchases at a 1 cent per mile value can be used as an example of how Capital One’s 15-plus transfer partners could help unlock more value.

These perks come for a $395 annual fee modest considering the card’s competition.

Related: Is the Venture X Business worth the $395 annual fee?

Venture X Business pros and cons

| Pros | Cons |
| — | — |
| * Simple earning structure * Anniversary bonus miles * Annual travel credit * Employee cards * Lounge access | * Has an annual fee * Small Capital One Lounge footprint * Travel credit must be redeemed through Capital One Business Travel |

Venture X Business benefits

What is the long list of statement credits and extra benefits you expect from a for $395 annual fee? Yet for business travelers, the Venture X Business still offers great benefits to business people.

Annual travel credit and bonus miles

Both of these advantages effectively offset the annual fee for Venture X Business by themselves. Its annual travel credit reduce a true $95 annual fee, as it cuts 300 off any booking from Capital One Business Travel (the company’s business travel portal) to $9.95.

I’d recommend using this statement credit for boutique hotel stays, car rentals or flights.

CLINT HENDERSON/THE POINTS GUY

The Venture X Business also offers 10,000 bonus miles per year, starting on your first anniversary. The value of these miles is $1855, according to TPG’s January 2026 valuations.

If you pair that value with the $300 travel credit, you get $485 in total value — more than offsets card’s annual fee.

Global Entry or TSA PreCheck application fee statement credit

The TSA PreCheck or Global Entry application fees are up to $120 for Venture X Business cardholders. This perk is still useful if you already have a card with this benefit. That’s because you can use this credit for anyone as long as you pay the fee with your Venture X Business.

Lounge access

The Venture X Business provides access to Capital One’s issuer lounge network to primary cardholders. These lounges are located at:

• Dallas Fort Worth International Airport (DFW)
• Denver International Airport (DEN)
• Dulles International Airport (IAD) near Washington, D.C.
• Harry Reid International Airport (LAS) in Las Vegas
• John F. Kennedy International Airport (JFK) in New York City

ZACH GRIFF/THE POINTS GUY

The lounge concept, which contrasts with traditional Capital One Lounge concepts, also provides access to Cardholders via two separate spaces one full-food, bar and seating areas; another grab-and-go coffee shop style area ‘The capital One Landings is an exclusive space for cardholder.

• Ronald Reagan Washington National Airport (DCA) near Washington, D.C.

Capital One will also open another lounge at Charlotte Douglas International Airport (CLT) and a new Landing at LaGuardia Airport(LGA) in New York City.

If the new lounge access policies are passed by Capital One on Feb, when it is ? If you add up to four authorized users with lounge access for $125 each, 1, you’ll be able to add them. A calendar year will see primary cardholders who spend at least $75,000 on their credit in a single month, and can bring in guests to Capital One lounges for free.

You also receive unlimited access to 1,300-plus Priority Pass lounges worldwide for you and up to two guests.

Other benefits

There are multiple additional benefits cardholders can enjoy, including access to Capital One’s Premier Collection and Lifestyle Collection hotels.

You’ll also receive various travel and shopping protections, including:

• Emergency medical protection
• Extended warranty
• Lost luggage reimbursement
• Purchase protection
  The * Ride-hailing protection (a special benefit that covers coverage for covered property incidents, accidental death and accidental medical events while riding ride-hail services) is * Rider-Hailing insurance (in addition to the coverage of covert property incident), accident death or unforeseen medical event.
• Trip delay reimbursement

On the Venture X Business, business-related benefits include addition of employee cards for no additional cost (lounge access costs $125 per month), itemized spending reports and no preset spending limits (which means you have to pay your bill in full) each month.

Finally, this is a great card to use abroad since it charges no foreign transaction fees.

Related: Should you transfer Capital One miles to partners or redeem directly for travel?

How to earn and use Capital One miles

Earning miles

In a straightforward income structure, on the Venture X Business, it’s not necessary for you to worry whether your purchase is in if they are considered pursuing – bonus-earning category. You’ll make.

Capital One Business Travel (18) * 10 miles per dollar spent on hotels and rental cars booked through CapitalOne Business Tours. Raise 5 per cent on TPG’s valuations of January 2026 (5% return)

• 5 miles per dollar spent on flights and vacation rentals purchased through Capital One Business Travel (9.25% return)
• 2 miles per dollar spent on all other purchases (3.7% return)

Yet when you spend a lot of your business capital in certain fields such as shipping and advertising, it’s not about the types of business-related bonuses that are being limited to what you think is most important for businesses.

Redeeming miles

When I send them to one of Capital One’s 15-plus airline and hotel partners you’ll get the best value out of your miles.

Nevertheless, you can also redeem your miles at just 1 cent per mile. For example, redemption examples include booking through Capital One Business Travel, redeeming miles as a statement credit to cover travel purchases and purchasing gift cards.

CARLY HELFAND/THE POINTS GUY

TPG director of points, miles and credit card content Carly Helfand once earned 100,000 Capital One miles to take $1,000 off a last-minute Airbnb stay.

Transferring miles

Most redeeming of the mileage would be to transfer them to a Capital One travel partner. A total of 15-plus hotel and airline programs are your choice Air Canada Aeroplan, Choice Privileges or Singapore KrisFlyer.

I like to use SkyTeam alliance partners when transferring my Capital One miles. I transferred 15,000 miles to Air France-KLM Flying Blue (and paid $35 in taxes and fees) last year on Delta Air Lines for a wedding from Greenville-Spartanburg International Airport (GSP) in South Carolina to Detroit Metropolitan Wayne County Airport(DTW) on two one-way domestic tickets that were issued.

Related: Cashing in Capital One miles? How to get the maximum value when redeeming miles

Where the Venture X Business could fall short

The Venture X Business may not be the best choice for every business owner. Here are some downsides worth considering:

• Capital One’s issuer lounge footprint is smaller than some of its competitors.
• The $300 annual travel credit is limited to Capital One Business Travel purchases.
• There are no additional statement credits for making more money than the annual travel credit, but no further statements were added to make it possible. This may be a good thing for cardholders who hate “coupon-heavy” cards (e.g. ) and.
  Unlike other businesses, there is no business-related bonus categories which may discourage business owners who often spend in one area (such as advertising or general travel).

THOMAS BARWICK/GETTY IMAGES

But if you are more about simplicity and would rather not pay an annual fee that is sky-high, it’s wise to choose the Venture X Business as your travel rewards business card.

Venture X Business vs. Venture X Rewards

As mentioned above, it’s natural to compare the Venture X Business card with the personal Venture (Violta-X) card as both offer virtually the same benefits and earn rates.

On the other hand, there are two important considerations to weigh ‘It is one thing that does. In addition to itemized spending reports, the Venture X Business offers business benefits (including itemised spending reporting), and the balance of the card must be paid in full every month because it has no preset spending limit. But this is not the case with a personal Venture X.

Related: Capital One Venture X vs. Venture X Business: Small but important differences

When to apply for the Venture X Business

A new applicant can earn 150,000 bonus miles with the Capital One Venture X Business, which allows them to spend $30,000 on purchases in the first three months from account opening.

According to TPG’s January 2026 valuations, this welcome bonus is worth $2,775.

If a company is established and can organically spend the $30,000 needed to earn the full bonus, it’s best for its welcome bonus.

Related: How to apply for a Capital One business credit card

Other cards to consider instead of the Venture X Business

If you’ve decided against adding the Venture X Business, one of these cards might be a better fit:

• If you want to earn more on business spending: The

Ink Business Preferred® Credit Card

For purchases on travel and in common business spending categories, (see rates & fees) is great for shopping. Plus it costs a lower $95 annual fee than . Read our full review of the Ink Business Preferred to us for more information.

• If you want more business benefits:

The Business Platinum Card® from American Express

More statement credits than the Venture X Business, which offers more airport lounge facilities and more statement credit than that of the . See also our full review of Amex Business Platinum to learn more.
****** If you want to make money off of business expenses*** * **The Capital One Spark Cash Plus makes cash back rather than the travel rewards provided by Venture X Business’. Both give low incomes for s. Read our full review of Spark Cash Plus for more to learn more.

For additional options, see our full list of the best business credit cards.

Bottom line

It is an excellent option for business travelers, who want to earn at least 2 miles per dollar on all purchases and enjoy a solid package of travel related benefits.

This card is a good choice for busy travel-oriented business owners who want ‘a card that will be guaranteed to earn at. reasonable annual fee,’ as you wont find dozens of statement credits or bonus categories on this card.

Learn more: Capital One Venture X Business

Capital One products listed on this page may be provided by Visa® or Mastercard® for some of the benefits, and may vary according to product. Terms and exclusions apply, see the respective Guide to Benefits for details.

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