Credit Cards

Capital One Venture X Business Review

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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 with the  Capital One Venture X Business!

Here’s a rundown of the bennies which closely mimic the Capital One Venture X – note that the Priority Pass with the business version includes restaurants.

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Capital One Venture X Business

4.9
4.9/5

If you’re looking for a super premium small business card, take a serious look at the Capital One Venture X Business. This is the business version of the Capital One Venture X and comes packed with benefits. 

Welcome Offer

  • Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening

Annual Fee

$395

Points Earned

Transferrable Capital One Miles

 

The Capital One Venture X Business is a home run of a small business card earning unlimited 2x, travel portal bonuses, and a $300 annual credit in the Capital One Travel portal every year. Note that this is a charge card meaning your bill must be paid in full each month

You also get 10k Capital One Miles on each account anniversary.

Don’t forget you get unlimited access to Capital One Lounges, a Priority Pass (TM) membership, and access to Plaza Premium Group lounges

The biggest reason to hesitate is the high required minimum spend, but if that isn’t a problem for you, this is a helluva card.

  • 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
  • Rates and Fees

Reminder: If you hold a Spark business card you are eligible unless it’s the Spark Cash Plus

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Capital One Venture X Business Details

  • 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
  • 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
    • Authorized Users do not get a free Priority Pass (TM) membership
  • 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 DCa man standing in a room with shelves and a counter

Who is eligible?

If you currently hold the Capital One Spark Cash Plus then you’re ineligible; however, if you had it in the past this doesn’t apply. Other than that, you as long as you’re a small business owner, you should be good to go.

I don’t have a small business, Miles. You may, and not know it. Keep reading.

Chase is very friendly to entrepreneurs and small business owners. In fact, if you haven’t been in business for long, or you haven’t established yourself with an EIN, you can still apply as a Sole Proprietor ( fill in your SSN ).

Who qualifies?

  • Online Coaches, tutors, etc
  • Uber and Lyft drivers (assuming they still get 1099s whenever you’re reading this).
  • DoorDash, GrubHub and Postmates
  • Social Media income ( TikTok, Instagram, YouTube )
  • Cater Waiters
  • Personal Trainers
  • Dog Walkers
  • Freelance graphic designers and web designers
  • Singers, artists, dancers, models, etc
  • Virtual Assistants
  • Ebay, Amazon and Facebook resellers

If you run a small side business and want a card to segregate your business income from your personal income at tax time…this is a great opportunity to earn a load of points and help yourself out. Personally, I have 3 businesses that I run, two have an EINs, and one doesn’t. I still need to keep all of their records separate, and so I have cards for each business.

If you want more information on this, read our full small business guide here

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

a screenshot of a hotel

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.

Priority Pass(TM) Membership

Two notable differences compared to the personal Venture X

  1. The business version comes with restaurant access as part of the Priority Pass Select Membership and the personal Venture X does not.
  2. The business version DOES NOT include Priority Pass for free authorized users.
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Capital One Venture X Rewards Credit Card

4.9
4.9/5

If you’re looking to add a super premium card to your wallet without having to calculate whether you’re recouping the annual fee every year… the Capital One Venture X Rewards Credit Card may very well be the best fit for you.  2x miles everywhere, lounge perks, and great travel partners make this a killer card

Welcome Offer

75k Capital One Miles after $4k in 3 months

Annual Fee

      $395

Points Earned

Transferrable Capital One Miles

The Capital One Venture X Rewards Credit Card offers 2x miles on every single purchase you make, a $300 annual credit when booking in Capital One Travel, 10k Miles every year you keep the card ( worth a minimum of $100 in portal ), Priority Pass, Cap1 Lounge Access + when booking via the Capital One Travel Portal you’ll earn 10x miles on hotels and car rentals + 5x miles on flights. 

The travel credit and 10k anniversary bonus miles alone recoup the $395 annual fee and they have a great list of transfer partners. 

It’s an absolutely killer offer from Capital One.

Leave your referrals here: 

  • 2x miles on every single purchase without limit
    • 10x miles hotels and rentals cars in Capital One Travel Portal
    • 5x miles flights in Capital One Travel Portal
  • $300 Annual Credit within the Capital One Travel Portal
  • 10k bonus miles after each anniversary
  • Lounge access
    • Capital One Lounge Access
      • 1 location currently and 2 more scheduled for 2022
      • 2 guests allowed and $45 for every guest after that
      • Authorized Users get access as well
        • Add 4 Authorized Users free of charge
    • Priority Pass Select access
    • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Plaza Premium lounges
  • Up to $100 TSA PreCheck or Global Entry credit
    • Credit valid every 4 years
  • Complimentary Cell Phone Insurance
  • Hertz President’s Circle Status
  • No fee for up to 4 authorized users
  • $395 Annual 

The best ever offer was 100k after $10k spend in 6 months when the card first debuted, but 75k has been the offer ever since.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

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.

a group of logos on a white background

  • 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

a man in a black shirt

Would you/will you get it?

It’s a very high minimum spend requirement, and I’m actually kind of tempted to go for it. I do love my Capital One Venture X, and would love to have this business iteration. I held off on getting it when it required a $30k spend in 6 months, and this lower minimum spend requirement is within doable range, so I may pull the trigger.

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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Chase Sapphire Preferred® Card


4.8
4.8/5
The Chase Sapphire Preferred® is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 

Annual Fee

$95

Points Earned

Transferrable Chase Ultimate Rewards

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • That’s $750 when you redeem through Chase Travel℠
  • 5x on all travel purchased through Chase Travel℠
  • 3x on dining, including eligible delivery services for takeout & dining out
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • $50 Annual Chase Travel Hotel Credit via Chase Travel℠
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 2x on all other travel
  • 10% Anniversary Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
  • Points are transferrable to 14 Ultimate Rewards partners
  • Redeem in Chase Travel℠ for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Auto Rental Collision Damage Waiver is my favorite
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024
  • $95 Annual Fee

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex®  and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners

Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.

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.

9 Comments

  • Colten March 4, 2024

    Zach, referral link for venture x business please.

  • Colten March 4, 2024

    Zach, please provide me with referral link for venture x business. Thanks

  • Bob December 11, 2023

    Buyer beware when signing up: it’s now been 4 weeks since I was approved and still haven’t received my card. So that 30K spend in three months is essentially reduced to 2 months because of excessively long processing times + USPS lag time.

    • Miles December 11, 2023

      Eeeesh! That’s terrible, have you contacted them?

      • Bob December 11, 2023

        I have, yes. They said they can’t expedite a new card, even if it’s a replacement of a new card.

  • GetToThePoints July 27, 2022

    You left off a Lounge partner that holders have access to. The Plaza Premium Lounges

  • Jules July 25, 2022

    “Dropped” in the title implies the removal or loss of the card from the market. “Launched” or “Released” would be more appropriate in this context.

    • Miles July 25, 2022

      Sorry for the confusion Jules! I can see what you’re saying, but it’s more in reference to when a brand releases a new product.

    • Christian July 25, 2022

      I thought the same. Glad to know that’s not the case.

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