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Capital One Venture X Business vs Home Depot Commercial Revolving Charge Card
Both are well-respected travel cards. The Capital One Venture X Business comes from Capital One at $395/yr; the Home Depot Commercial Revolving Charge Card from Citi Retail Services at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
If you're not sure you'll use premium perks, start with the Home Depot Commercial Revolving Charge Card, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | Capital One Venture X Business | Home Depot Commercial Revolving Charge Card |
|---|---|---|
| Annual fee | $395 | $0 |
| Sign-up bonus | 150,000 bonus miles | |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | $30,000 in 3 mo | - |
| Issuer | Capital One | Citi Retail Services |
| Card category | travel | business |
| Best earning category (Other) | 2x | 1x |
| Transfer partners | capital-one | None |
| Headline benefits |
Read the full review
Capital One Venture X Business
$395/yr · 150,000 bonus miles
Read the full review
Home Depot Commercial Revolving Charge Card
$0/yr ·
Editorial take: Home Depot Commercial Revolving Charge Card
Common questions
- Which card has the bigger sign-up bonus, Capital One Venture X Business or Home Depot Commercial Revolving Charge Card?
- Neither card has a publicly advertised sign-up bonus today. Watch for limited-time offers from each issuer.
- Is the Capital One Venture X Business's $395 annual fee worth it compared to the Home Depot Commercial Revolving Charge Card?
- At $395/yr, the Capital One Venture X Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Home Depot Commercial Revolving Charge Card's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Venture X Business and Home Depot Commercial Revolving Charge Card?
- Yes, since they're from different issuers (Capital One and Citi Retail Services) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Capital One Venture X Business or the Home Depot Commercial Revolving Charge Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Venture X Business: $30,000 spend in 3 months. Home Depot Commercial Revolving Charge Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.