Capital One Venture X Business card is offering 350,000 after spending $200,000 in 6 months(Earn 150,000 bonus after you spend $30,000 on purchases within the first 3 months of account opening. Plus earn an additional 200,000 bonus after you spend $200,000 total on purchases within 6 months) with a $ 395 annual fee.. That's up 200,000 points over their standard offer of 150,000 after spending $30,000 in 3 months.
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
- Car Rentals, cruises, and vacation home rentals top our list of uses for Capital One Miles
- Partner transfers are niche airlines and hotel brands, making the points less attractive
- Point redemptions are so similar to cash that they can be less satisfying for the hobbyist
- Capital One is particularly attractive to businesses with large spends
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 | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 350,000 | $200,000 | 1.1 ¢ | $0 | $395 |
$5655
|
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| 10x Miles at hotels.com, 2x miles everything else | 5/24 |
AWARD SYSTEM
SPECIAL OFFER
350,000 points for
$200,000 spend.
$200,000 spend.
Spend Categories
Airfare - »
5X points
5.5¢ Per Dollar Spent
All Other = »
2X points
2.2¢ Per Dollar Spent
Hotels - »
10X points
11¢ Per Dollar Spent
Rideshare and Transit - »
10X points
11¢ Per Dollar Spent
Card Benefits
Travel Credits »
Get $300 in statement credits annually for bookings made through Capital One including flights, hotels, car rentals, etc.
Get $300 in statement credits annually for bookings made through Capital One including flights, hotels, car rentals, etc.
TSA Pre Check »
Get up to $120 statement credit for Global Entry, or TSA PreCheck.
Get up to $120 statement credit for Global Entry, or TSA PreCheck.
No Foreign Transaction Fees »
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Extended Warranty »
You can double the warranty up to 1 additional year on eligible purchases with warranties of 3 years or less.
You can double the warranty up to 1 additional year on eligible purchases with warranties of 3 years or less.
Point Transfer Options
Transfer To Spouse/Partner Yes
Transfer To Friends Yes
Travel Partner Transfers
Capital One Miles Outside Point System
Transfers Out To
Air Canada Aeroplan
1:1 127% value retained
Avianca LifeMiles
1:1 127% value retained
British Airway Executive Avios
1:1 91% value retained
Cash in Cents
1:1 91% value retained
Cathay Pacific
2:1.5 82% value retained
Etihad Guest
1:1 109% value retained
Flying Blue and Air France
1:1 109% value retained
Qantas Frequent Flyer
1:1 109% value retained
Singapore KrisFlyer
1:1 118% value retained
Turkish Airways
1:1 109% value retained
Virgin Atlantic Flying Club
1:1 127% value retained
Wyndham Rewards
1:1 91% value retained
Capital One Venture X Business Application Rules
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
Ranking of Cards Offering Capital One Miles
Breaking Points
April 16, 2025
