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Capital One Venture X Business
For most people, I think the Capital One Venture X is the best super premium credit card on the market. It’s easy to understand the benefits it yields and how you can recoup the$395 annually through them. Plus, it offers great travel portal bonus points + unlimited 2x earning and great priority pass lounge access. Simplicity is the path forward for Capital One and it makes a TON of sense to most people. So it’s natural that Capital One doubled down. Say hello to the Capital One Venture X Business!
Here’s a rundown of the bennies which mimic the Capital One Venture X aside from the MASSIVE bonus which comes with a hefty spend requirement as well, detailed below.
Capital One Venture X Business Details
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Assuming your purchases were all non-bonus spend, you’d earn 210k Capital One Miles ( 150k + 2*30k )
- Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
- The annual fee on this card is $395
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel
- 10k bonus miles every year
- after your account anniversary date.
- $300 Annual credit for bookings through Capital One Travel
- Up to a $100 statement credit
- TSA PreCheck(R) or Global Entry.
- Unlimited complimentary access to Capital One Lounges
- + a Network of 1,300+ lounges worldwide, including Priority Pass(TM) and Plaza Premium Group lounges
- This is a pay-in-full card, so your balance is due in full every month
- Access to Premier Collection Hotels
- $100 experience credit and other premium benefits on every booking
The grab n go section at the new Capital One Lounge in DC
10k Capital One Miles every year you keep the card
Yep, you read that right. Upon your account anniversary, Capital One will credit your account with 10k miles which, at a minimum, is worth $100 in the Capital One travel portal, and potentially much more if you transfer them out to partners.
$300 Annual Credit on Capital One Travel bookings
This credit is applied to any travel that you book in the Capital One travel portal. When you combine that with the 10k Capital One Mile Anniversary Bonus, you’re effectively getting $400 a year back in credits on a card that has a $395 annual fee.
Capital One Venture X Business has access to the Premier Collection Collection properties
How does this card compare to the personal Capital One Venture X?
The personal version is a the best super premium card on the market for most people and includes Hertz President’s Club status, and authorized users get access to lounges as well. With the business version, AUs don’t gain lounge access and there isn’t any Hertz status associated.
Both are very good cards and offer Capital One travel portal credits that offset the annual fee starting in year two. However, on a head to head basis, the personal version offers more benefits than the business version; however, the business version has a higher welcome bonus, but also a higher minimum spend requirement.
Capital One Transfer Partners continue to get more valuable
A couple of years ago, Capital One decided to lace up their gloves throw heavy punches in the transferrable rewards ring. Early on they landed some punches, but the program was too confusing with 4:3 transfer ratios and people just didn’t get it. We’re entering the middle game and bit by bit, Capital One has upped their game immensely. They made nearly all of their partners 1:1, added new partners, and more ways to redeem outside travel. Their program is quickly becoming one of the best.
- The following partners are now 1:1
- Aeromexico Club Premier
- Air Canada Aeroplan
- Avianca LifeMiles
- Air France Flying Blue
- British Airways Executive Club
- Cathay Pacific Asia Miles
- Choice Privileges
- Etihad Guest
- Emirates Skywards
- Finnair Plus
- Qantas Frequent Flyer
- Singapore Airlines
- TAP Air Portugal Miles&Go
- Turkish Airlines Miles and Smiles
- Virgin Red
- Wyndham Rewards
- Accor transfer 2:1
- EVA transfers 2:1.5
Read this article to see the 50 best ways to use Capital One Miles
Would you/will you get it?
It’s a very, very high minimum spend requirement, and I’m not saying I won’t get it, but I’ll likely hold off for the time being. I do love my Capital One Venture X, and would love to have this business iteration, but I may wait and see if, at some point, the minimum spend requirement is lowered, or if the spend requirement stays the same, the bonus is raised.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.