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.
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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 $150/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 | $150 |
| Sign-up bonus | 75,000 miles | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | $1,238 | $1,500 |
| 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_capital_one) | 10x | 1x |
| Transfer partners | capital-one | None |
| Headline benefits |
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Read the full review
Capital One Venture X
$395/yr · 75,000 miles
Read the full review
United Business Card
$150/yr · 100,000 miles + 2,000 PQP
Editorial take: United Business Card
Strong United business card. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit help cover the $150 AF for any United-leaning small business. The 100k + 2,000 PQP bonus is the sweetener. Post-2025 refresh swapped the old $100/$10k-spend credit for a $125 travel credit unlocked by 5 United flight purchases of $100+.
Common questions
- Which card has the bigger sign-up bonus, Capital One Venture X or United Business Card?
- The United Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus 75,000 miles (~$1,238) on the Capital One Venture X.
- 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.