Capital One VenturesX Business Overview
Capital One Venture X Business is the business version of the fan-favorite Capital One Venture X Rewards credit card. Like its personal counterpart, Venture X Business offers luxurious benefits with a reasonable annual fee and an easy-to-understand income structure. This is a great option for small business owners who value simplicity. Card level*: ⭐⭐⭐⭐⭐
*Card ratings are based on the opinions of TPG editors and are not influenced by card issuers.
Since its launch in 2021, the Capital One Venture X has been a major player in the premium card space. It offers luxurious perks such as airport lounge access and valuable travel points for a reasonable annual fee.
As of 2023, a business version of the card – Venture X Business – is already available. It has the same annual fee as Venture X, $395, and has many of the same benefits we loved in Venture X. Key benefits include generous airport lounge access, annual travel credits and the option to add an employee card at no additional cost.
The main difference between the Personal and Enterprise versions is the welcome offer, with the Enterprise version offering more generous bonuses.
TPG recommends a credit score of 740 or above for this card.
If you’re considering applying for Capital One Venture X business, here’s what you need to know.
Capital One VenturesX Business Pros and Cons
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Capital One VenturesX Business Welcome Offer
The Capital One Venture X business is offering a limited-time tiered welcome bonus to those who can meet its high spending requirements. New applicants can earn up to 400,000 bonus miles: 200,000 bonus miles when you spend US$30,000 in the first 3 months after account opening, and an additional 200,000 bonus miles when you spend US$150,000 in the first 6 months.
Based on TPG’s November 2025 valuation, this welcome bonus is worth up to $7,400. This is the highest bonus we’ve seen this card offer. The previous best award offered up to 350,000 bonus miles (no longer available) but required a hefty $200,000 outlay. This offer still requires a hefty outlay of $150,000 to take full advantage.
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This welcome bonus is best for established businesses that can organically spend $150,000 to receive the full bonus.
Related: How to Apply for a Capital One Business Credit Card
Capital One VenturesX Business Benefits
Venture X businesses have many of the same perks that make personal businesses so popular. As a cardholder you will receive:
- Earn $300 in credits annually for travel booked through Capital One Business Travel
- Earn 10,000 bonus miles each year on your cardmember anniversary, worth $185 according to TPG
These two benefits alone are enough to offset the card’s $395 annual fee.
You will also receive the following benefits:
RELATED: Complete Guide to Capital One Airport Lounges
Earn miles with Capital One Venture X Business
With Venture X business, you will get:
- Book hotels and rental cars with Capital One Business Travel and earn 10 miles for every $1 spent (18.5% return, according to TPG valuation)
- Earn 5 miles for every $1 spent on flights and vacation rentals with Capital One Business Travel (9.25% return)
- Earn 2 miles per $1 spent on all other purchases (3.7% return)
This simple income structure means you don’t have to worry about whether your purchases fall into the bonus income category.
However, let’s say you spend a large portion of your business budget on categories like shipping and advertising. In this case, you may find that you get a better return on your spending with a different business credit card.
Related: How to Choose a Strategy for Your Small Business Credit Card
Redeem miles with Capital One Venture X Business
Your most valuable redemption option is to transfer your miles to any of Capital One’s more than 15 airline and hotel partners.
However, you can also redeem your miles to book travel through Capital One Business Travel, receive statement points toward travel purchases, or purchase gift cards at a flat rate of 1 cent per mile.
Related: Should you transfer Capital One miles to a partner or redeem them directly for travel?
Transfer miles with Capital One Venture X Business
Again, the most valuable redemption option is to transfer your miles to one of Capital One’s travel partners. You have more than 15 hotel and airline plans to choose from, including Air Canada Aeroplan, Singapore KrisFlyer and Choice Privileges.
TPG Contributing Editor Matt Moffitt likes to transfer miles to Air France KLM Flying Blue to get great deals on business-class flights to Europe and nonstop flights within the U.S. on American Airlines with British Airways Club
Related: Cashing in a Capital Mile? How to get the most value when redeeming miles
What cards compete with Capital One Venture X Business?
If you want more business-related benefits or haven’t spent enough to earn Venture X Business’s welcome bonus, one of the following cards might be a better fit:
For other options, see our complete lists of the best business credit cards and the best travel rewards credit cards.
Information on preferred ink businesses is independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: Capital One Venture X vs. Venture X Business: Small but Important Differences
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Capital One Venture
However, those who don’t meet the spending requirements to earn the card’s welcome bonus or who want to earn more in a specific business category should choose another business card.
Learn More: Capital One VenturesX Business
For the Capital One products listed on this page, some offers may be provided by Visa® or Mastercard® and may vary by product. Please see the appropriate benefits guide for details as terms and exclusions apply.
