Capital One Venture Business Credit Card Review
Key Takeaways
We recommend beginning your Capital One journey by first applying for the personal Capital One Venture card or Venture X card (keeping the Venture Family Rule in mind), especially since this business card still counts against your 5/24. The current welcome offer of 50,000 (current special 75,000) miles is decent, and it has a couple credits that can offset its $95
Why This Card Could Be Right For You
The sign-up bonus of 50,000 (current special 75,000) miles is decent, though not exceptional, and requires $4,500 (currently $7,500) in spending within the first 3 months. There is a small $95 annual fee that could be recouped pretty easily with two annual $50 credits:
- $50 in annual travel credits when booking through the Capital One Business Travel portal
- $50 in annual statement credits on eligible advertising and software purchases
Here are some other benefits of the card:
- Straightforward Earning: Earn 2x miles on all purchases, making it simple to accumulate miles quickly toward your bonus. Earn 5x miles on hotels and rental cars booked through the Capital One portal.
- TSA PreCheck or Global Entry Credit: Receive a credit (up to a $120 value) toward TSA PreCheck or Global Entry. However, if you follow typical rewards advice, you might already have this perk from another card. Since these memberships last four years, this benefit might not hold significant value if you already have it.
- Transfer Flexibility: Capital One offers over 15 airline and hotel transfer partners, providing numerous redemption options.
- Purchase Eraser Feature: Capital One’s unique "purchase eraser" function allows you to use miles to offset travel-related expenses, including travel purchases like vacation rentals, which typically don’t have direct credit card partnerships.
When The Usual Advice Doesn't Apply
This card may not be right for you if:
- You're new to points and miles, and a personal Capital One card would be more beneficial.
- Other business cards provide better benefits or higher sign-up bonuses that better align with your business needs, and most don't count against your 5/24 like this one does.
What to Know About Capital One Miles
Capital One is a flexible point system we use for travel items that other systems don't cover
- Partner transfers are niche airlines and hotel brands, making the points more difficult to maximize
- Using an award search tool such as PointsYeah makes finding flights with those airlines more realistic
- Simple redemptions for erasing travel can be useful for cruises & rental cars (at 1¢/point so value isn’t maximized)
- Capital One is particularly attractive to businesses with large spending
How The Capital One Venture Business Credit Card Fits In The Capital One Miles Ecosystem
Capital One offers six total business cards - three cash back cards and three miles-earning cards. We always recommend applying for cards that earn transferable miles rather than cash back because utilizing transfer partners typically offers the highest value. With Capital One, though, if you have a cash back card, you can convert your rewards into miles, provided you also hold a miles-earning card (personal or business)
Remember, however, Capital One limits approvals to one new card every six months, so plan your applications strategically. Here are the other five business cards available from Capital One:
- Capital One Spark 2% Cash: Welcome offer of 100,000 points in the form of cash back after $10,000 in spending. It has a $95 annual fee that is waived the first year.
- Capital One VentureOne Business: Welcome offer of 50,000 miles after $4,500 in spending. There is no annual fee on this card and it earns 1.5x miles on every purchase with no restrictions.
- Capital One Spark 1.5% Cash Select: Welcome offer of 75,000 points in the form of cash back after $6,000 in spending. There is no annual fee on this card and it earns 1.5% cash back on every purchase with no restrictions.
- Capital One Spark 2% Cash Plus: High signup bonus potential for big spenders with 200,000 points in the form of cash back after spending $30,000, and an additional $2,000 cash back bonus for every $500,000 spent in the first year.
- Capital One Venture X Business: High welcome bonus of 150,000 miles matches the $30,000 spending requirement of the Spark Cash Plus. However, the Venture X Business includes additional perks and benefits not found with the Spark Cash Plus card.
If you're considering a premium business card, compare the options carefully and choose the one that best suits your needs.
Card Information
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Historical Card Offers
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Capital One Venture Business Application Rules
Card approval not subject to 5-personal-cards-in-24-months rule
You won’t be approved for a second Capital One card if you’ve opened one in the past six months
