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The Capital One Venture X Business Credit Card is the business version of the popular Capital One Venture X Rewards Card, carrying over many aspects of the consumer card — including airport lounge access, an annual travel credit and a $395 annual fee.
Business owners who travel will appreciate the card's premium travel perks, access to transfer partners and simple but solid rewards rates. The card's welcome bonus is potentially very lucrative if you can meet the spending requirements, but it might be hard for smaller businesses or sole proprietors to earn.
Here's everything to know about the card and how it stacks up to the competition.
The Capital One Venture X Business Credit Card has all the benefits you expect with a premium business card, including flexible travel rewards, airport lounge access and travel insurance.
- Extremely valuable welcome bonus
- 10,000 bonus miles after every card anniversary
- Unlimited complimentary access to 1,300+ airport lounges, including Capital One Lounge and Landing locations
- Annual $300 credit for bookings through Capital One Business Travel
- Limited bonus spending categories compared to other business credit cards
- High annual fee
- No airport lounge access for employee cardholders
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
- Top rated mobile app
Welcome bonus
Earn 150,000 bonus miles once you spend $30,000 in the first three months from account opening.
Benefits and perks
The Venture X Business comes with several statement credits and travel perks. Most of these are the same as the ones offered on the consumer Venture X.
Statement credits
- $300 annual travel credit: Every year, cardholders get a $300 credit for travel bookings through Capital One Business Travel. This credit is applied directly to your Capital One Business Travel account and can be used at checkout on a single purchase or multiple purchases. The credit expires on the next account open anniversary date.
- $120 TSA PreCheck/Global Entry credit: Cardholders get up to a $120 statement credit every four years when they use their card to pay for their TSA PreCheck or Global Entry application fee. The credit will only apply to one program and will reflect the actual fee charged, so it's best to use it on the more expensive Global Entry program (which automatically grants TSA PreCheck benefits).
- 10,000 anniversary bonus miles: Cardholders get 10,000 bonus miles each account anniversary starting from their first, which can be redeemed for a $100 statement credit against recent travel (or spent on any of the card's other redemption options).
The above benefits provide up to $520 in tangible value each year, which is more than enough to cover the card's $395 annual fee.
Airport lounge access
A major perk of the Venture X Business is its lounge access, which grants primary cardholders unlimited access to over 1,300 airport lounges worldwide through Priority Pass™ (enrollment required) and Capital One Lounge and Landing locations.
These lounges offer a dedicated space for travelers to relax before their flight and often have amenities like complimentary food and beverages. Lounge access is available on a first-come, first-served basis and requires an eligible ticket for a departing or connecting flight.
You can add lounge access for additional cardholders for a $125 annual fee per cardholder. Here's a closer look at access requirements:
Capital One Venture X Business Credit Card airport lounge changes
| Lounge access policy |
|---|
| Complimentary Capital One and Priority Pass lounge access for additional cardholders who pay a $125 annual lounge access fee per cardholder (up to four additional cardholders); no lounge access for additional cardholders who don’t pay the fee, or for their guests |
| Primary cardholders and eligible additional cardholders, who spend at least $75,000 per calendar year on their card account, can bring two complimentary guests to Capital One Lounges and one complimentary guest to Capital One Landings; cardholders who don’t meet the spending requirements can’t bring complimentary guests to Capital One Lounges/Landings but can purchase guest passes at a discounted rate |
| Primary cardholders and eligible additional cardholders can each bring two complimentary guests to Priority Pass lounges, with no spending requirement |
The $75,000 spending threshold is based on spend from all cardholders across the account (including the primary cardholder, authorized users and account managers) per calendar year. Complimentary guest access is available for the calendar year in which the $75,000 spend occurs, the entirety of the following calendar year, and until Jan. 31 of the year after that.
Additional offerings
- The Premier Collection hotel benefits: Cardholders get a $100 experience credit when booking hotels or vacation rentals from the Premier Collection through Capital One Business Travel. The experience credit can be used on things like hotel restaurants, in-home chefs and other activities.
- Hertz President's Circle status*: Cardholders get automatic President's Circle status with rental car company Hertz (enrollment required). This status grants benefits like a dedicated customer service line, guaranteed upgrades and more.
- Extended warranty: Cardholders get complimentary extended warranty on eligible items purchased with their card.
- Free employee cards: Business owners can add employee cards for free and set customized spending limits for those cards.
- Business management tools: The Venture X Business comes with several business management features, including the ability to choose your own payment due date, download purchase records in multiple formats and designate an account manager to review transactions and make payments.
- No preset spending limit: The card has no preset spending limit. Keep in mind this doesn't mean unlimited spending, and you must pay your balance in full every month.
*Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.
How to earn and redeem Capital One miles
Earning Capital One miles
The Venture X Business earns:
- 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
The Venture X Business's flat rewards rate on all purchases (with the exception of the bonuses for Capital One Business Travel bookings) is perfect for business owners seeking simplicity or who want a flat-rate "catch-all" card to pair with a category-specific rewards card. If you're willing to book all your business travel through the Capital One portal, the higher earning rates on hotels, rental cars, flights and vacation rentals can help you quickly rack up miles.
Your miles don't expire as long as your account is open and in good standing.
Redeeming Capital One miles
You can redeem your Capital One miles in the following ways:
- A statement credit to cover eligible recent travel expenses
- Booking travel through Capital One Business Travel
- Cash back
- Gift cards
- Shop with Rewards at eligible retailers (including Amazon and PayPal)
- Transfer miles to Capital One hotel and airline partners
The value of miles may vary by redemption option. Generally, redeeming your miles for a statement credit toward past travel, making new bookings through Capital One Business Travel or transferring miles to partners will give you the best value.
Capital One has 22 transfer partners — 18 airline and four hotel loyalty programs. Unless otherwise noted, miles transfer at a 1:1 ratio. The partners are as follows:
Capital One transfer partners
| Capital One transfer partners | Transfer ratio |
|---|---|
| Accor Live Limitless | 2:1 |
| Aeromexico Rewards | 1:1 |
| Air Canada Aeroplan | 1:1 |
| Avianca LifeMiles | 1:1 |
| British Airways Club | 1:1 |
| Cathay Pacific Asia Miles | 1:1 |
| Choice Privileges | 1:1 |
| Emirates Skywards | 4:3 |
| Etihad Guest | 1:1 |
| EVA Air Infinity MileageLands | 4:3 |
| Finnair Plus | 1:1 |
| Flying Blue (Air France/KLM) | 1:1 |
| I Prefer Hotel Rewards | 1:2 |
| JAL Mileage Bank | 4:3 |
| JetBlue TrueBlue | 5:3 |
| Qantas Frequent Flyer | 1:1 |
| Qatar Airways Privilege Club | 1:1 |
| Singapore KrisFlyer | 1:1 |
| TAP Air Portugal Miles&Go | 1:1 |
| Turkish Airlines Miles&Smiles | 1:1 |
| Virgin Red | 1:1 |
| Wyndham Rewards | 1:1 |
To transfer miles, you'll need at least 1,000 miles in your account, and the name on your loyalty account must match the name on your Capital One account. All mile transfers are final.
Rates and fees
The Venture X Business charges a $395 annual fee, the same as the consumer version of the card. That's on the low end for premium credit cards with airport lounge access, making this card one of the most affordable ways to get unlimited lounge access for yourself (but not necessarily your guests, after January 2026). The card also comes with no foreign transaction fees, making it good for international travelers.
The Venture X Business is a pay-in-full card, so there's no option to carry a balance from month to month and no APR. If you don't pay your full balance every month, you'll be charged a late fee of 2.99% of the outstanding balance, and your account will be considered past due until you pay in full.
Card comparison
The Capital One Venture X Business can provide great value for business owners who enjoy traveling and want perks to make their experience even better. But is the Venture X Business the best business travel credit card for you? CNBC Select analyzed two other premium travel credit cards for business to see how they match up.
Capital One Venture X Business vs. The Business Platinum Card® from American Express
If you want even more premium benefits, consider The Business Platinum Card® from American Express. The card's $895 annual fee (see rates and fees) is more than double the Venture X Business's, but the Business Platinum comes with a long list of business and travel credits. They include:
- A $300 semi-annual credit on prepaid bookings through Amex Travel with Fine Hotels + Resorts or The Hotel Collection (two-night minimum stay required for The Hotel Collection)
- Up to $200 in annual airline incidental fee credits for one eligible airline of your choice (enrollment required)
- Up to $209 in annual CLEAR+ credits (subject to auto-renewal; excluding applicable taxes and fees)
- Up to $1,150 annually in credits for U.S. purchases directly with Dell (up to $150 on U.S. purchases directly with Dell Technologies), and an additional $1,000 statement credit after spending $5,000 or more per calendar year on these purchases; enrollment required)
Cardholders also get travel insurance, Marriott and Hilton elite status and access to Priority Pass and Amex's own Centurion® Lounges. The Business Platinum's rewards rates are relatively lackluster, so the main reasons to get this card are if you can maximize the credits or if you want access to Amex's lounge network and transfer partners.
The Business Platinum Card from American Express is a premium business card loaded with statement credit offers for business services and travel that help justify its steep annual fee.
- Access to 1,550 airport lounges, including Priority Pass (Enrollment required) and Amex Centurion lounges
- Hotel and rental car elite status perks
- Earns flexible rewards you can transfer to 20+ airline and hotel loyalty programs (Enrollment required for select benefits mentioned; Benefits may be subject to auto-renewal)
- High annual fee
- Limited bonus spending categories
- Some statement credit offers are earned in small increments or only apply to purchases from a single brand
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. 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.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
- See Rates & Fees
Capital One Venture X Business vs. Capital One Venture Business
If you don't care about premium perks and want a cheaper way to earn Capital One miles, consider the Capital One Venture Business. This card charges a $95 annual fee but offers similar rewards rates as the Venture X Business: 2X miles on every purchase, plus 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel.
You don't get complimentary airport lounge access, but you do get:
- $120 TSA PreCheck/Global Entry credit every four years
- $50 annual travel credit for Capital One Business Travel bookings
- $50 annual statement credit for qualifying advertising or software merchants.
You also get access to the same transfer partners as the Venture X Business. Most notably, the Venture Business and Venture X currently feature matching welcome bonuses, albeit with slightly different earning requirements. With the Venture Business, you can earn up to 150,000 bonus miles: 75,000 miles once you spend $7,500 in the first three months, and an additional 75,000 miles once you spend $30,000 in the first six months.
The Capital Venture Business has a simple and lucrative rewards program because you earn at least 2X miles on every purchase and you can transfer those miles to travel partners.
- Earns flexible travel rewards you can transfer to airline and hotel loyalty programs such as Air Canada Aeroplan, Choice Privileges and Emirates Skywards
- Application fee credit for Global Entry or TSA PreCheck
- Up to $100 in annual credits
- Has an annual fee
- High spending requirement to earn the full welcome bonus
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Limited-time offer: Earn up to 150,000 bonus miles—75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
Is the Venture X Business right for you?
If you're a business owner looking for premium travel perks, the Venture X Business provides excellent value for your money. The $395-annual-fee card is one of the cheapest ways to get airport lounge access, and the annual travel credit and anniversary bonus miles are enough to fully offset the annual fee. Plus, the card's rewards rates are simple but solid.
One potential sticking point is the welcome bonus. Its welcome bonus is one of the best we've seen, but the spending requirement may be out of reach for smaller businesses. Large business owners with lots of expenses should definitely jump on this offer, but smaller proprietors might want to consider a card with a more accessible bonus, like the Ink Business Preferred® Credit Card (see rates and fees).
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For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For rates and fees of The Business Platinum Card® from American Express, click here.
