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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
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
150,000 Capital One Miles after $30k spend in 3 months
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 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
- 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
- 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.
- Best Super Premium Card
Non- Affiliate Link
Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.
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
90k 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.
- 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
- Capital One Lounge Access
- 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.
- 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.
Chase Sapphire Preferred® Card
Welcome Offer
60k Points after $4k spend in 3 months
In Chase branch: 70k Points after $4k spend in 3 months ( make appt with banker –Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.)
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 3x on dining
- including eligible delivery services for takeout
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- 5x on all travel purchased through Chase Ultimate Rewards – Chase Travel Portal
- $50 Annual Credit on hotel stays purchased via Ultimate Rewards/Chase Travel
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 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 Portal and the slew of other benefits remain in tact including primary rental car insurance, purchase protections, etc.
- Points are transferrable to 13 Ultimate Rewards partners
- Redeem in the Chase Travel center for 1.25 cents per point
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Primary rental car coverage is my favorite
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.