Capital One Venture X Business
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferBenefits and fees last verified Jun 2026against the issuer's published terms.
Earning Rates
Important considerations
- Annual fee to offset
This card carries a $395 annual fee. Make sure the credits and bonus categories you will actually use are worth more than that every year.
- High spend to earn the bonus
You must spend $30,000 within 3 months to earn the welcome bonus, which can be a stretch for lighter spenders.
Based on this card's terms last verified Jun 2026.
Earning rates
5- 2x
Earn unlimited 2X miles on every purchase, everywhere, with no limits or category restrictions (issuer page rewards module)
- 10xlodging
Earn 10X miles on hotels booked through Capital One Business Travel (issuer page 'Travel Rewards' module)
- 10xlodging
Earn 10X miles on rental cars booked through Capital One Business Travel (issuer page 'Travel Rewards' module)
- 5xflights
Earn 5X miles on flights booked through Capital One Business Travel (issuer page 'Travel Rewards' module)
- 5xtravel
Earn 5X miles on vacation rentals booked through Capital One Business Travel (issuer page 'Travel Rewards' module)
Statement credits
5- $300Capital One Business Travel CreditYearly
$300 annual credit for purchases through Capital One Business Travel, expires on account anniversary.
- $30Global Entry / TSA PreCheck CreditYearly
Up to $120 Global Entry or TSA PreCheck application fee statement credit once every 4 years (amortized to $30/year).
- $120Up to $120 Global Entry or TSA PreCheck application fee statement credit, processed once every 4 years per account (issuer page footnote 3)
- $100Premier Collection benefits when booking luxury hotels, resorts, and vacation rentals through Capital One Business Travel: $100 experience credit per stay, daily breakfast for two (Premier Collection hotels), complimentary Wi-Fi, and room upgrades, early check-in, and late checkout when available (issuer page footnote 7)
- $50Lifestyle Collection benefits when booking through Capital One Business Travel
Lifestyle Collection benefits when booking through Capital One Business Travel: $50 experience credit per stay, complimentary Wi-Fi, and room upgrades, early check-in, and late checkout when available (issuer page footnote 7)
Perks & memberships
7- Lounge accessCapital One Lounge access for the primary cardholder at all Capital One Lounge and Capital One Landing locations (issuer page 'Travel in comfort with airport benefits' module and footnote 4)
- Lounge accessPriority Pass Select membership for the primary cardholder with unlimited visits plus 2 guests at 1,300+ Priority Pass lounges worldwide; enrollment required after card activation (issuer page footnote 4 and the rewardztravel deep-research brief)
- Lounge accessUp to 4 free authorized-user / employee cards, with each authorized user receiving their own Priority Pass Select membership and Capital One Lounge access per the rewardztravel deep-research brief and historical Venture X Business issuer terms (issuer page 'Business-Grade Capabilities' module confirms free employee and virtual cards earning rewards on their transactions)
- Authorized usersFree virtual cards in addition to physical employee cards, supporting team spending controls and online purchase workflows (issuer page 'Business-Grade Capabilities' module)
- Elite statusHertz President's Circle elite status for Venture X Business cardholders: skip the counter at select locations and access a wider selection of rental cars; enrollment required through the unique Benefits Tab link in the Capital One website or mobile app (issuer page footnote 8)
- Payment flexibilityNo preset spending limit, the spending capacity adapts over time based on spending behavior, payment history, credit profile, and other factors; Capital One explicitly states this does not mean unlimited spending (issuer page footnote 6)
- No foreign feesNo foreign transaction fees on purchases made outside the United States (issuer page 'No foreign transaction fees' module)
Travel & purchase protections
7- Network: Visa Infinite Business per the rewardztravel deep-research brief, carries the Visa Infinite cell phone protection benefit (when the primary cardholder pays the monthly cell phone bill with the card), Visa Infinite travel and emergency assistance, and the broader Visa Infinite benefits suite (verify against the current Capital One Guide to Benefits for your exact card)
- Primary auto rental Collision Damage Waiver (CDW) on business rentals when the rental is paid in full with the card and the rental company's CDW is declined, per the rewardztravel deep-research brief (Venture X Business is one of the few small-business cards offering primary CDW; verify against the current Capital One Guide to Benefits)
- Trip cancellation and interruption insurance reimbursing prepaid, non-refundable travel expenses when a covered trip is cancelled or interrupted for a covered reason, per the rewardztravel deep-research brief and standard Visa Infinite Business benefits (verify against the current Capital One Guide to Benefits)
- Trip delay reimbursement for reasonable expenses (meals, lodging, toiletries) when a covered common-carrier trip is delayed, per the rewardztravel deep-research brief and standard Visa Infinite Business benefits (verify against the current Capital One Guide to Benefits)
- Lost luggage reimbursement when checked or carry-on luggage is lost or damaged by a common carrier, per the rewardztravel deep-research brief and standard Visa Infinite Business benefits (verify against the current Capital One Guide to Benefits)
- Cell phone protection via Visa Infinite when the primary cardholder pays their monthly wireless bill with the card, per the rewardztravel deep-research brief (verify against the current Capital One / Visa Infinite Guide to Benefits for deductibles, claim limits per claim and per year, and excluded carriers)
- Some cardholder benefits (including travel insurance and cell phone protection) are only available to the primary cardholder and not authorized users, and the covered Visa card must be used to secure transactions; refer to the Guide to Benefits for full terms (issuer page footnote 11)
More benefits & fine print (6)ShowHide
- Late payment fee: pay at least the minimum payment amount by the due date or be charged a 2.99% late fee (issuer page footnote 5)
- Dedicated Relationship Manager guidance is available to eligible businesses to help select the right card and maximize rewards on business spend (issuer page 'Dedicated guidance for eligible businesses' module)
- Pre-approval available with no impact to personal credit via Capital One's 'See if I'm pre-approved' flow on the product page (issuer page hero CTA)
- Credit level required: Excellent (issuer page hero module)
- Eligibility note: per Capital One policy and OMAAT, Capital One generally limits primary applicants to one business charge card at a time, so a current Spark Cash Plus or Venture X Business primary cardholder cannot simultaneously hold a second Capital One business charge card as primary
- Recognition: named 2026 Business Card of the Year by The Points Guy, cited on the issuer page for its mix of simple rewards and premium perks (issuer page 'Awards' module)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
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Transfer Partners
Full guide →Capital One Miles points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:
How to Earn the Bonus
Spend $30,000 in the first 3 months to earn the 150,000 bonus miles bonus.
See the Current Offer
Earn 150,000 bonus miles
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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