Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

Capital One Venture X Business Card — Full Review [2024]

Jarrod West's image
Jarrod West
Jarrod West's image

Jarrod West

Senior Content Contributor

446 Published Articles 1 Edited Article

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Stella Shon
Stella Shon's image

Stella Shon

News Managing Editor

101 Published Articles 709 Edited Articles

Countries Visited: 25U.S. States Visited: 22

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
& Keri Stooksbury
Keri Stooksbury's image

Keri Stooksbury

Editor-in-Chief

36 Published Articles 3291 Edited Articles

Countries Visited: 47U.S. States Visited: 28

With years of experience in corporate marketing and as the executive director of the American Chamber of Commerce in Qatar, Keri is now editor-in-chief at UP, overseeing daily content operations and r...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Capital One Venture X Business Card

Capital One Venture X Business Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
4.5
  • 150,000 miles

  • $395

  • All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.

Capital One Venture X Business Card

The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
4.5

The information regarding the Capital One Venture X Business card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.


The Capital One Venture X Business card is a great all-around premium rewards card that helps you rack up miles on all of your business expenses.

From 2x miles on all purchases, airport lounge access, an annual travel credit, complimentary employee cards, and more, there is plenty to love about the Capital One Venture X Business card.

Card Snapshot

Welcome Bonus & Info

  • Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
  • This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
  • Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
  • Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
  • Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you’ll get the best prices on thousands of options
  • Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
  • 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
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
  • This is a pay-in-full card, so your balance is due in full every month
  • Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking

Rewards Center

Capital One Miles

Customer Service Number

877-383-4802

Login Link

capitalone.com

Pros

  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
  • $300 annual travel credit on bookings made through Capital One Travel
  • 10,000 bonus miles awarded on your account anniversary each year
  • Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and Priority Pass lounges
  • Global Entry or TSA PreCheck credit
  • No-additional-fee employee cards (rates and fees)
  • No preset spending limit
  • No foreign transaction fees (rates and fees)

Cons

  • $395 annual fee (rates and fees)
  • 10x and 5x bonus categories are limited to Capital One Travel bookings

Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

  • Content by Leading Industry Experts
  • Routine Updates and Fact-Checks
  • First-Hand Credit Card Experience
  • Shared Across 200+ Top Outlets
  • Methodical “U.P. Rating” System
  • 1044+ Expert Credit Card Guides

Great Card If

  • You want a card with premium perks like airport lounge access
  • You don’t mind making all of your travel bookings through Capital One Travel

Don’t Get If

  • You prefer a card that offers bonus categories for certain business expenses
  • You book most of your airfare and hotels direct in order to earn elite status

Capital One Venture X Business Card — Is It Worth It?

If you’re a business owner looking for a premium travel rewards card with a relatively straightforward setup, then the Capital One Venture X Business card can be well worth it for you.

With it, you’ll always earn at least 2x Capital One miles per dollar spent, access Capital One’s transfer partners and 1,300+ airport lounges, and breeze through airports with priority security screening thanks to the Global Entry/TSA PreCheck application credit.

Capital One Venture X Business Card — Top Benefits

Airport Lounge Access

Most premium credit cards worth their salt offer airport lounge access, and the Capital One Venture X Business card is no exception. Cardholders receive a Priority Pass Select membership, which grants access to more than 1,300 airport lounges worldwide.

You’ll also receive access to the top-notch Capital One Lounges and select Plaza Premium Lounges worldwide.

Annual Travel Credit and Bonus Miles

Every year, you’ll receive a $300 travel credit for any purchase made through the Capital One Travel portal and 10,000-anniversary bonus miles.

At a minimum, your miles can be redeemed for 1 cent per point through the Capital One Travel portal, making the combined value of these benefits worth (at least) $400. Great news for cardholders, as this easily offsets the $395 annual fee before factoring in other perks and benefits (rates & fees).

Global Entry or TSA PreCheck Credit

Tired of waiting in security lines? Then you need Global Entry or TSA PreCheck. Global Entry or TSA PreCheck helps you bypass the standard lines, giving you an expedited security experience both when traveling domestically and returning from abroad.

How To Earn and Redeem Capital One Miles

Thanks to the card’s bonus categories, you’ll earn plenty of Capital One miles just by using it for all your business expenses. That said, there are many other great ways to earn Capital One Miles that you’ll want to be aware of.

Once you’re ready to redeem your miles, you’ll be pleased to know that you have plenty of options, whether it’s for travel, cash-back, or merchandise. In our view, the best way to redeem Capital One miles is via the Capital One transfer partners, as they allow you to book incredible travel experiences for far less than the usual cash price.

Alternative Cards to the Capital One Venture X Business Card

The Business Platinum Card® from American Express

150K OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points
$3,300
$695
19.49% - 28.49% Variable
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 cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros
  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Cons
  • High annual fee of $695 (rates & fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Those looking for one of the best premium business cards on the market should consider the Amex Business Platinum card. With it, you’ll receive over $1,000 in annual business value via statement credits, access to over 1,400 airport lounges (including Amex’s proprietary Centurion Lounge!), a 35% airline bonus when redeeming points, complimentary elite status with select hotels and rental car programs, and more. Enrollment is required for some benefits.

Ink Business Preferred® Credit Card

100K-POINT OFFER
Ink Business Preferred® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Learn More(at Chase's secure site)
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.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel
100,000 points
$2,000
$95
21.24%-26.24% Variable
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 cardapplication.
Good to Excellent (670-850)

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
  • 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
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 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 25% 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: 21.24%-26.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

If you prefer a card that is great at earning points and has access to transfer partners for a much lower annual fee, then the Ink Business Preferred card is a great option.

Issued by Chase, the Ink Business Preferred card earns 3x Ultimate Rewards points per dollar spent on the first $150,000 spent in combined purchases on shipping, advertising purchases made with social media sites and search engines, and travel, internet, cable, and phone services. Besides having access to Chase’s transfer partners, your points receive a 25% value boost when redeeming them through the Chase travel portal.

The information regarding the Capital One Venture X Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Business Platinum Card® from American Express, click here.

Frequently Asked Questions

Can you get the Capital One Venture X Business card?

Previously, the card was only available in person at Capital One branches. Now the Capital One Venture X Business card is available online to anyone who would like to apply for it.

Is the Capital One Venture X card a business credit card?

The Capital One Venture X Rewards Credit Card is the personal version and the Capital One Venture X Business card is the business version.

Is the Capital One Venture X Business card worth it?

If you are looking for a card with strong bonus categories, access to transfer partners and airport lounges, and don’t mind making your travel bookings through the Capital One Travel portal, then the Capital One Venture X Business card could be very worth it for you.

What is the annual fee on the Capital One Venture X Business card?

The annual fee on the Capital One Venture X Business card is $395.

Can you bring guests into the lounge with you with the Capital One Venture X Business card?

Yes, you can bring 2 guests free of charge into eligible airport lounges with your Capital One Venture X Business card.

Jarrod West's image

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

DMCA.com Protection Status