Capital One Venture X Business vs Sephora Visa Credit Card

Common questions

Which card has the bigger sign-up bonus, Capital One Venture X Business or Sephora Visa Credit Card?

The Sephora Visa Credit Card has a public bonus (25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase, worth roughly $25), while the Capital One Venture X Business doesn't advertise one right now.

Is the Capital One Venture X Business's $395 annual fee worth it compared to the Sephora Visa Credit 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 Sephora Visa Credit Card's, pick the one whose perks you'll actually use.

Can I have both the Capital One Venture X Business and Sephora Visa Credit Card?

Yes, since they're from different issuers (Capital One and Comenity) 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 Sephora Visa Credit 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. Sephora Visa Credit Card: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.