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Capital One Venture X Business Review: Classy Travel Perks and Simple Rewards

Review Updated
Joel O'Leary
Author: Joel O'Leary
Joel O'Leary
Joel O'Leary
Full-Time Personal Finance Writer

Joel is a full-time Personal Finance Writer at Motley Fool Money, where he brings a clear, approachable voice to topics ranging from credit cards to side hustles. He’s been writing about money since 2018, covering topics like credit cards, savings hacks, and the FIRE movement. Before joining the team, he managed editorial content for the How To Money podcast. When he’s not behind the laptop, Joel is likely at the beach surfing, or out and about with his family.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

I've reviewed a lot of business credit cards over the years. And most of them fall into one of two camps: overly complicated or a bit underwhelming.

But the Capital One Venture X Business (see rates and fees) hits differently.

It's refreshingly simple. You earn 2X miles on all other purchases outside Capital One Travel categories with no bonus games to play. And the travel perks are actually useful -- including my favorite: airport lounge access.

Add in the $300 annual travel credit and a massive welcome bonus… it's one of the easiest premium cards to justify, even with its annual fee.

If your business spends big and you travel even a few times a year, this card might just be your new best friend.

Ratings Methodology

Capital One Venture X Business

Apply Now for Capital One Venture X Business

On Capital One's Secure Website.

Rates & Fees External Link Icon

Capital One Venture X Business
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Apply Now for Capital One Venture X Business

On Capital One's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

N/A

Rewards Circle with letter I in it. 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's travel booking site

2X-10X miles

Annual Fee

$395

Welcome Offer Circle with letter I in it. 150,000 Miles once you spend $30,000 in the first 3 months from account opening

150,000 Miles

  • For businesses looking to earn rewards while enjoying premium travel benefits, we think this card strikes a strong balance between value and simplicity. It offers unlimited 2X miles on every purchase, along with 10X miles on hotels and rental cars booked through Capital One's travel booking site. With top-tier perks like unlimited lounge access, annual travel credits, and flexible redemption options, this card is designed for business owners who prioritize travel rewards. It’s an excellent option for companies seeking both rewards and premium travel perks without the hassle.

    • Huge travel rewards bonus
    • High rewards rate
    • Travel credits
    • Useful business management tools
    • Spending requirement for sign-up bonus
    • Annual fee
    • Pay-in-full card
    • 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's travel booking site
    • 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's travel booking site
    • Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and 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
    • This is a pay-in-full card, so your balance is due in full every month

At Motley Fool Money, we rate business credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and integration with expense-tracking software.

Our highest-rated credit cards have:

  • An average rewards rate above 2% (or 2x points or miles)
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks that make running a business easier, like integration with expense-tracking software, premium travel benefits, and free employee cards.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best business credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

At Motley Fool Money, we rate business credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and integration with expense-tracking software.

Our highest-rated credit cards have:

  • An average rewards rate above 2% (or 2x points or miles)
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks that make running a business easier, like integration with expense-tracking software, premium travel benefits, and free employee cards.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best business credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

What I like about the Capital One Venture X Business

After digging into a few of the top features, it's pretty clear what sets this card apart from the other top business credit cards… An immediate return on investment.

Here's what you can look forward to with the Capital One Venture X Business:

$300 annual travel credit

This perk alone knocks out most of the card's $395 annual fee (see rates and fees). And it's super easy to use.

Each year, you get $300 back when you book flights, hotels, or car rentals through Capital One's travel booking site.

The credit is automatic, too -- no hoops, no claims, no weird exclusions.

If you take even one work trip a year (or tack a vacation onto a business trip), you're almost guaranteed to get this value back. For me, it's one of the cleanest, most straightforward travel credits out there.

10,000 bonus miles each anniversary

Here's the other credit that offsets the rest of the annual fee. Every year you keep the card, Capital One drops 10,000 bonus miles into your account, just as a thank you for sticking around.

That's worth at least $100 toward travel, too. I see this as a built-in discount for keeping the card long term -- and it's a nice little surprise to wake up to each year.

2X miles on everyday purchases

Unlike category-based business cards, this one keeps it simple. You get:

  • 10X miles on hotels and rental cars booked through Capital One's travel booking site
  • 5X miles on flights and vacation rentals booked through Capital One's travel booking site

Then 2X miles per dollar on all other purchases.

That means no rotating categories, no complicated tracking of where you spent money. It's just steady, predictable rewards.

Better yet, miles never expire as long as you keep the account open. So if you want to bank them up and save for a big redemption, go for it!

Massive welcome bonus

Right now, you can earn 150,000 Miles when you spend $30,000 in the first 3 months of account opening.

Pro tip: This card is best for businesses with high early spend. If you're outfitting an office, stocking up inventory, or covering vendor payments, this is a golden welcome offer opportunity.

Premium travel perks

This card brings the heat when it comes to travel benefits.

  • Unlimited lounge access: Capital One Lounges + Priority Pass Select
  • TSA PreCheck/Global Entry: Statement credit every four years
  • Cellphone protection and trip insurance built in

I usually recommend business owners pair a solid business card with a personal travel card to cover all the bases. But honestly, this one already includes most of the big perks. It's nice not having to stack multiple cards just to get the good stuff.

Free employee cards

There's no extra fee for adding authorized users to your account. That means you can equip your team (or your spouse who helps with biz expenses) with cards linked to the same account and watch those 2X miles roll in, without paying a penny more.

Downsides you should consider

As much as I like this card, it's not perfect for everyone. Here are a couple potential drawbacks to keep in mind before you apply.

Pay-in-full requirement

This isn't a typical credit card. The Capital One Venture X Business is a charge card. This means it doesn't have a preset spending limit, but you're expected to pay the full balance each month.

It's a great way to avoid business debt… but not ideal if you need to carry a balance.

High minimum spend for the welcome bonus

That 150,000-mile bonus is sweet… but the $30,000 spending requirement in 3 months is a tall order for some businesses. Make sure you've got big purchases planned before applying.

Our Top Business Credit Card Alternate Options

We suggest taking a good look at various options to pick the perfect card for you and your small business. Remember, not all business credit cards are created equal, and every business has unique needs. To help you out, we've put together a short list of top-notch business credit cards that offer great value across a variety of business types.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Earn up to $750 bonus cash back Circle with letter I in it. Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. Earn 5% cash back in select business categories Circle with letter I in it. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Intro: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular: 17.49% - 25.49% Variable

Apply Now for Ink Business Cash® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Earn $750 bonus cash back Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Earn unlimited 1.5% cash back on every purchase Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Intro: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular: 17.49% - 23.49% Variable

Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
150,000 Miles Circle with letter I in it. 150,000 Miles once you spend $30,000 in the first 3 months from account opening 2X-10X miles Circle with letter I in it. 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's travel booking site

Intro:

Purchases: N/A

Balance Transfers: N/A

Regular: N/A

Apply Now for Capital One Venture X Business

On Capital One's Secure Website.

Rates & Fees External Link Icon

Is the Capital One Venture X Business worth the annual fee?

Yes, the annual fee is extremely reasonable and can be easily offset by just a couple perks.

If you add up the $300 annual travel credit and the 10,000 anniversary bonus points, there's $400 in travel value right there. So you'll have earned the cost of the $395 fee back if you take advantage of those perks.

Everything is gravy after that!

How to apply for the Capital One Venture X Business

Applying is straightforward. Here's a quick rundown of the process:

  1. Visit this sign-up link for the Capital One Venture X Business
  2. Fill out basic business info (EIN, industry, annual revenue)
  3. Receive an approval decision -- sometimes instantly

Note: Capital One may pull your personal and business credit. Having good to excellent credit typically makes you the best-qualified candidate for approval.

Final thoughts

I've always liked the Venture card lineup, both business and personal versions. They've got the rare combo of simplicity and real value.

The 2X miles make everyday spending really easy. And the travel perks are genuinely useful. This all makes the annual fee a non-issue for small business owners.

If your business spends big and you travel even occasionally, the Venture X Business is a great way to go. Just make sure you can pay off that balance each month, every month.

Ready to start racking up those miles? Apply for the Capital One Venture X Business card today and unlock elite travel perks for your business.

FAQs

  • It's super easy. Just log into the Capital One Travel portal and search for flights, hotels, or rental cars like you normally would. You'll see the credit available at checkout! And it's reloaded each year as an annual perk.

  • No. This is a charge card, not a traditional credit card. You must pay off your balance in full each month.

  • Not at all. Sole proprietors, freelancers, and side hustlers are welcome to apply -- you'll just use your Social Security number instead of an EIN.

  • Yes! While travel redemptions usually offer the best value, you can also redeem miles for statement credits, gift cards, or transfers to airline and hotel partners.