Editorial take: Capital One Venture X
The best value premium travel card. $300 travel credit, Priority Pass, 10,000 anniversary miles, and a massive transfer partner list — all for $395. It's hard to beat.
All credit cards
Side-by-side
Capital One Venture X vs United Business Card
Both are well-respected travel cards. The Capital One Venture X comes from Capital One at $395/yr; the United Business Card from Chase at $99/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 United Business 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 | United Business Card |
|---|---|---|
| Annual fee | $395 | $99 |
| Sign-up bonus | 75,000 miles | 75,000 miles |
| Bonus value (est.) | $1,350 | $1,050 |
| Min spend to unlock bonus | $4,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | travel | business |
| Best earning category (Hotels) | 10x | 1x |
| Transfer partners | capital-one | mileageplus |
| Headline benefits |
|
|
Read the full review
Capital One Venture X
$395/yr · 75,000 miles
Read the full review
United Business Card
$99/yr · 75,000 miles
Editorial take: United Business Card
Strong United business card under $100 fee. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit easily cover the AF for any United-leaning small business.
Common questions
- Which card has the bigger sign-up bonus, Capital One Venture X or United Business Card?
- The Capital One Venture X has the bigger bonus — 75,000 miles, worth roughly $1,350, versus 75,000 miles (~$1,050) on the United Business Card.
- Is the Capital One Venture X's $395 annual fee worth it compared to the United Business Card?
- At $395/yr, the Capital One Venture X is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Business Card's — pick the one whose perks you'll actually use.
- Can I have both the Capital One Venture X and United Business Card?
- Yes, since they're from different issuers (Capital One and Chase) 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 or the United Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Venture X: $4,000 spend in 3 months. United Business Card: $5,000 in 3 months. 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.