Best in Class
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Capital One Venture X Business Credit Card Review
Key Takeaways
If you can comfortably meet the high spending requirement to earn the large sign-up bonus, the Capital One Venture X Business card is worth considering — and possibly keeping beyond the first year. Its $395 annual fee is lower than many other business cards, and the $300 annual travel credit (through the Capital One portal) means you only need to use around $100 worth of other perks to justify holding on to the card.
Why This Card Could Be Right For You
The Capital One Venture X Business card comes with a substantial welcome bonus of 150,000 points — more than most cards offer. Combined with a variety of perks and benefits, it can be extremely valuable if you can meet the $30,000 spending requirement in the first three months. Here’s what makes it stand out:
- Low Annual Fee and Travel Credit: At $395 a year, this card’s annual fee is relatively low compared to similar business cards. It also provides a $300 annual travel credit (redeemed through Capital One’s portal), which helps offset the cost right away.
- Valuable Travel Perks: Frequent travelers will appreciate the Global Entry/TSA Precheck credit and access to the Partner Lounge Network and Capital One Lounges. Booking through the Premier Collection provides a $100 experience credit for each stay.
- Rewarding Earning Rates: The card offers 10x points on hotels and rental cars, 5x points on flights (all booked through the Capital One portal), and 2x points on everything else. These multipliers can accumulate rewards quickly for a business with steady expenses.
- Flexible Redemption Options: Capital One’s “purchase eraser” allows you to erase any travel-related purchase at a 1:1 redemption rate. You can also transfer points to more than 15 Capital One travel partners, giving you multiple ways to use your rewards.
When The Usual Advice Doesn't Apply
This card may not be ideal if:
- Your business struggles to meet the $30,000 spending requirement in 3 months.
- You can find other business cards offering a larger sign-up bonus for a lower spending requirement.
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 X Business Credit Card Fits In The Capital One Miles Ecosystem
Capital One currently offers seven business cards, but the only one that truly compares to the Venture X Business is the Capital One Spark Cash Plus Business card. Here’s a quick look at how the Spark Cash Plus Business stacks up:
- Offers a $2,000 cash back sign-up bonus after you spend $30,000 in the first three months
- Awards an additional $2,000 sign-up bonus for every $500,000 spent in the first year
- Charges a $150 annual fee, which is waived if you spend $150,000 on the card during the year
- Provides a flat 2% back on all purchases, but lacks perks such as lounge access, travel credits, or Global Entry/TSA Precheck credits
If your business spending is especially high—particularly in the first year—you might want to do some number-crunching to determine whether the Spark Cash Plus Business would provide greater overall value than the Venture X Business. Meanwhile, the other five Capital One business cards offer lower sign-up bonuses and fewer benefits, so they’re generally less comparable to either the Venture X Business or the Spark Cash Plus Business.
Card Information
Bonus Points
150,000
Minimum Spend
$30,000 / 3mo
Point Value
1.3 ¢
Annual Value
Annual Fee
$395
1st Year Value
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Differentiating Perks
Yearly $300 Travel Portal Credit
Priority Pass & Capital One Lounge Access
Anniversary 10,000 Bonus Miles
Rules
Card Extras
Extra
Worth/Fit
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Card Benefits
No benefits are available for this card.
Historical Card Offers
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Estimated Next Offer
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Minimum Spend
Spend Categories
13¢
Per Dollar
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13¢
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6.5¢
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6.5¢
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2.6¢
Per Dollar
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Capital One Venture X Business Application Rules
This business card will not show on your personal credit report, so it won't count against your 5/24 status
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
