Capital One Venture X Business Card vs. Capital One Venture X Card [Detailed Comparison]

When a credit card issuer introduces a popular card, it’s not uncommon to see both a consumer version and a business version.

Take, for example, the Platinum Card^® from American Express and The Business Platinum Card^® from American Express, or the Chase Sapphire Preferred^® Card and the Ink Business Preferred^® Credit Card.

Today, we’ve chosen a similar card match-up with the Capital One Venture X Business Card and the Capital One Venture X Rewards Credit Card.

While the cards are strikingly similar, the business version of the card is obviously designed for business owners, and the consumer card for personal use.

There are even more features that differentiate the cards, and that’s the focus of our article today.

We’ll examine whether one card is better for your situation or if you might want to consider both of the cards. Just keep that thought in mind as we move forward with our card comparison.

Overview

We’ll expand on the features and benefits of the Capital One Venture X Business card and the Capital One Venture X card next.

But first, here’s an abbreviated summary of how the cards compare when we look at the key attributes of both cards side-by-side.

Comparing Welcome Bonus Offers

Once you’re approved for either the Capital One Venture X Business card or the Capital One Venture X card, you’ll have an opportunity to earn a generous welcome bonus offer of Capital One miles. This is a unique chance to jumpstart your rewards earnings.

The welcome bonus is earned by meeting minimum spending amounts in the specified period after card approval.

It’s worth noting that the Capital One Venture X Business card has had a much larger welcome offer than the Capital One Venture X card but also has had a much higher spending requirement. Keep this in mind when comparing welcome offers between the 2 cards.

Offers do change, so you’ll want to check for the most current one before applying. Here are some snapshots of current welcome offers and more information on our featured cards:

LIMITED-TIME OFFER

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

Earn 100,000 bonus miles once you spend $10,000 on purchases in the first 6 months from account opening - equal to $1,000 in travel.

100,000 miles

UP's Offer Valuation*:

$1,800

Annual Fee

$395

APR

Purchases: 19.99% - 28.99% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent (740-840)

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• LIMITED-TIME OFFER: Earn 100,000 bonus miles once you spend $10,000 on purchases in the first 6 months from account opening - equal to $1,000 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

• APR: Purchases: 19.99% - 28.99% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

Bottom Line:

Both the Capital One Venture X Business card and Capital One Venture X card come with the opportunity to earn a generous welcome bonus by meeting minimum spending requirements in the specified period immediately after card approval.

Earning Potential

There are several ways to start earning Capital One miles the minute you receive your Capital One Venture X Business card or Capital One Venture X card.

Let’s look at how spending on the card and earning bonus miles at renewal can help rewards add up quickly.

Spending on the Card

Capital One is known for its simplicity when it comes to earning structures, and the Capital One Venture X Business card and Capital One Venture X card continue to follow that philosophy.

Earning on either card is consistent — you’ll earn well on travel purchased via Capital One and 2x miles on every other purchase.

Card Anniversary Bonus Miles

You’ll receive 10,000 Capital One bonus miles at card renewal, starting with your first renewal for either the Capital One Venture X Business card or the Capital One Venture X card.

Learn more about all the best ways to earn Capital One miles.

Bottom Line:

Earn miles on the Capital One Venture X Business card and Capital One Venture X card by spending on the card, and receiving bonus miles when renewing your card.

Redemption Options

At redemption time, you’ll want to maximize those hard-earned rewards. Here are the options you’ll have on both the Capital One Venture X Business card and the Capital One Venture X card:

Redeeming Capital One miles for travel via Capital One Travel or a statement credit for previous travel purchases results in a value of 1 cent for each mile. Redeeming miles for a general statement credit results in far less value.

Hot Tip:

Book your flight with Capital One Travel to take advantage of complimentary price drop protection. If the price drops within 10 days after booking, you could receive up to $50 in travel credits for the price difference. Capital One Travel also has a price match guarantee.

The best potential value for your miles will be to transfer them to airline partners and purchase award flights.

While there are dozens of great redemption options, one good use of Capital One miles is to transfer them to Avianca Lifemiles and book transcontinental U.S. Polaris business class (with lie-flat seats!) on United Airlines. You can book transcontinental flights between New York and California for as few as 25,000 miles.

For inspiration on some of the best ways to redeem Capital One miles, we’ve done the work for you and put together a long list of ideas.

Bottom Line:

You can redeem miles earned on the Capital One Venture X Business card through Capital One Business Travel. You can also redeem miles with the Capital One Venture X card by purchasing travel via Capital One Travel. On both cards, other redemption options include transferring miles to partners or a statement credit for recent travel purchases. Additionally, you can redeem for gift cards, shopping on Amazon, or for checkout with PayPal. The best potential redemption option is to transfer miles to airline or hotel partners.

Travel Benefits Comparison

The Capital One Venture X Business card and Capital One Venture X card are both premium cards with plenty of premium benefits.

Here are some of the key benefits you’ll find on both cards:

Worldwide Airport Lounge Access

Enjoy a complimentary Priority Pass Select membership providing unlimited access to over 1,300 lounges worldwide. Registration is required. You’ll also have access to Capital One Lounges.

$300 Annual Travel Credit

Each year with the Capital One Venture X card, receive a $300 annual credit toward travel purchases via Capital One Travel. The Capital One Venture X Business card also has a $300 annual credit for Capital One Business Travel.

Global Entry or TSA PreCheck Fee Reimbursement

Pay for your Global Entry or TSA PreCheck application or renewal fee with your card and receive reimbursement as a statement credit, with a maximum of 1 statement credit of up to $120 every 4 years.

Premier Collection and Lifestyle Collection Hotel Benefits

Book your Premier Collection or Lifestyle Collection hotel stay with your Capital One Venture X card via Capital One Travel and enjoy a room upgrade (when available), daily breakfast for 2, complimentary Wi-Fi, early check-in/late checkout, and, best of all, up to $100 in credit for an onsite experience during your stay! You get the same benefits when you book via Capital One Business Travel with the Capital One Venture X Business card.

No Foreign Transaction Fees

You’ll find the Capital One Venture X Business card and Capital One Venture X card are excellent travel companions as neither card charges foreign transaction fees.

Note that we have not included all of the travel protections and benefits that come with each card and the descriptions here have been abbreviated. Although the cards have similar features, you’ll want to refer to each card’s Guide to Benefits for a complete list of protections/benefits, full descriptions, and terms/conditions.

Capital One Venture X Card

You can review each travel insurance benefit of the Capital One Venture X card in detail, though there is one unique set of perks compared to the business card.

Car Rental Program Benefits

Capital One Venture X card members will enjoy complimentary Hertz President’s Circle status*. As a Venture X cardholder, get the most out of your car rental with complimentary Hertz President’s Circle^® status. Skip the rental counter and choose from the widest selection of cars. Plus, enjoy guaranteed upgrades. Just make sure you register for status through the link in your Capital One account

Travel Protections

Travel protections can offer peace of mind knowing that you’ll receive assistance or help negating the unexpected expense if something goes wrong during your trip. Travel benefits can make your trip more comfortable and even provide a bit of luxury.

The Capital One Venture X Business card and Capital One Venture X card are both premium cards with plenty of premium benefits.

Here are some of the protections you’ll find on both cards:

Auto Rental Collision Damage Waiver

Count on built-in auto rental coverage. Save money by saying no at the counter – rent with your covered Visa Infinite card and get built-in Auto Rental Coverage.

Trip Delay Reimbursement

Anticipate delays when you purchase air travel with your covered Visa Infinite card, with Trip Delay coverage of up to $500 when you’re stuck for more than six hours or require an overnight stay.

Baggage Delay Reimbursement

Your bags are covered against common carrier-caused loss or theft with Lost Luggage Reimbursement when you use your Venture X card to purchase common carrier tickets.

Bottom Line:

The Capital One Venture X Business card and the Capital One Venture X each come with a long list of key travel protections and benefits that include primary car rental insurance, a $300 annual Capital One travel credit, worldwide lounge access, and Global Entry or TSA PreCheck fee reimbursement.

Shopping Protections and Benefits

Shopping protections come in handy when an eligible purchase gets damaged, stolen, or even if the item stops working for a covered reason during the warranty period.

Shopping benefits can help you save money when shopping online or in person at select retailers — and these can be easy to utilize.

Here are the shopping protections and benefits you’ll find on both the Capital One Venture X Business card and the Capital One Venture X card.

Return Protection and Extended Warranty Protection

Purchase security allows you to keep your options open with 90 days of Return Protection, here to help when you make a qualifying purchase with your card.

Extended warranty protection extends your qualifying product warranties automatically when you purchase using your Venture X card.

Capital One Venture X Card

Cell Phone Protection

Protect your cell phone every time you pay your bill. When you pay your monthly wireless bill with your covered Capital One card, your cell phone is protected for the next calendar month. So, you can get reimbursed if your cell phone is stolen or damaged ($50 deductible).

Bottom Line:

Don’t forget to use your Capital One Venture X Business card or Capital One Venture X card for shopping. Purchase security and extended warranty protection may provide coverage if something goes wrong with your purchase. And, when you pay your monthly bill with the Capital One Venture X card, you may have protection if your cell phone is damaged or stolen.

Qualifying for Capital One Cards

Capital One states that you will need an excellent credit score to be approved for the Capital One Venture X Business card or the Capital One Venture X card. It may also be possible to be approved with a very good score with a strong credit history.

Capital One also clarifies its requirements by asking if this statement describes you: “I’ve never declared bankruptcy or defaulted on a loan; I haven’t been more than 60 days late on any credit card, medical bill, or loan in the last year; I’ve had a loan or credit card for 3 years or more with a credit limit above $5,000.”

Additionally, Capital One will not approve you if you have secured too many credit cards in the recent past. The card issuer is also known to pull credit from all 3 major credit bureaus, Equifax, Experian, and TransUnion.

For more information on Capital One Venture X card requirements and tips for applying, our article on the topic can help.

Alternative Travel Rewards Cards

If you travel frequently, you’ll appreciate having a rewards card that earns well on travel purchases, has travel-related redemption options, and benefits that bring peace of mind or comfort during your travels.

Here are 2 alternative travel rewards cards that fit this description well.

Ink Business Preferred^® Credit Card

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

90,000 points

UP's Offer Valuation*:

$1,800

Annual Fee

$95

APR

19.99% - 25.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Financial Snapshot

• APR: 19.99% - 25.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

With a generous welcome offer and a long list of travel benefits, the Ink Business Preferred card is a likely choice for the business owner. We like that the card earns 3x points on travel and select business categories, up to $150,000 in purchases each card anniversary year.

At redemption time, your points could be worth more when redeemed for select travel via Chase Travel. And, when you transfer points to airline or hotel programs, you have the potential for even greater value.

Chase Sapphire Preferred^® Card

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

60,000 75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.74% - 27.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Financial Snapshot

• APR: 19.74% - 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Preferred card is one of our favorite cards for a starter travel rewards card as it has a lower-than-average annual fee and elevated earnings on common everyday purchases. The card has a long list of travel benefits, including primary car rental insurance, trip cancellation, interruption, and delay, lost luggage coverage, and more.

The card also earns flexible Ultimate Rewards points that are worth more toward select travel booked via Chase Travel or you can transfer to Chases’s airline and hotel partners for potentially more value.

Final Thoughts

Most likely, you would make the choice between a business card and a personal consumer card based on whether you have a need for one or the other.

In the case of the Capital One Venture X Business card and the Capital One Venture X card, it could make sense to have both cards.

If cell phone protection or worldwide lounge access is a priority, the Capital One Venture X card has the edge — the card offers cell phone protection for service paid for monthly with your card.

If you own a business with high monthly expenses, the Capital One Venture X Business card will ensure every purchase earns double miles. And, as a busy business owner, you won’t have to worry about keeping track of bonus spending categories.

Plus, both cards offer enough economic value to offset the relatively lower annual fee of these premium travel rewards cards.

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For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

*Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.