Capital One
Venture Business
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | 100,000 bonus miles |
| Rewards Rate | 5X travel, 2X miles purchases |
| Regular APR | 24.49% variable APR |
| Other Fees | No foreign transaction fees |
About this card
The Capital One Venture Business card earns an overall rating of 4.3 out of 5.0, placing it firmly in the 'Excellent' category. This card truly shines in its core value proposition for business travelers: exceptional rewards and an outstanding fee structure. The rewards program offers a robust unlimited 2X miles on all business purchases, boosted to 5X on travel booked through Capital One Business Travel, coupled with a very generous 100,000 bonus miles sign-up offer. Redemption flexibility, including valuable transfer partners, further solidifies its position as a top-tier rewards card. The fee structure is remarkably favorable, as the $95 annual fee is effectively negated by the combination of a $50 annual travel credit and a $50 advertising/software credit, providing $100 in value. The absence of foreign transaction fees is also a critical benefit for a travel-focused card. The card's primary drawback is its high variable APR of 24.49%, with no introductory offer. While this is a significant concern for businesses that may carry a balance, it is often less impactful for the target audience of this card, who typically pay balances in full to maximize rewards and avoid interest. For businesses with excellent credit that can leverage the travel and business credits, and prioritize rewards over low interest rates, the Venture Business card offers compelling value and robust features, making it an excellent choice despite its high APR.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Transfer partners
- Travel benefits and credits
- Business management tools
Things to consider
- Annual fee
- High regular APR
- Requires excellent credit
What this card offers
Sign-up bonuses
- Earn 100,000 bonus miles when you spend $10,000 in the first 3 months
Rewards
- Unlimited 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
- Earn unlimited 2X miles on every purchase for your business.
Other features
- Receive an annual $50 travel credit for bookings through Capital One Business Travel.
- Get an annual $50 statement credit for purchases at qualifying advertising or software merchants.
- Receive up to a $120 credit for Global Entry or TSA PreCheck every 4 years.
- Hertz Five Star Status Skip the counter at select locations, enjoy a wider selection of rental cars and more, just for being a Venture Business cardholder.
- Lifestyle Collection Unlock premium benefits with every stay, like a $50 experience credit, room upgrades when available and more. Plus, earn 5X miles on hotel stays booked through Capital One Business Travel.
- Flexible miles redemption Redeem your miles through our travel site, or get reimbursed for travel expenses made with your card—plus you may be able to transfer miles to one of our 15+ partners.
- Manage business travel & expenses in one place Save time and money with complimentary access to an all-in-one business travel management solution.
- No foreign transaction fees Pay zero foreign transaction fees on purchases made outside of the United States.
- $0 fraud liability If your card is lost or stolen, you can get an emergency replacement and a cash advance.
- Security alerts Get notified via text, email and phone if Capital One notices potential suspicious transactions on your account.
- Purchase records Quickly and securely download your purchase records into multiple formats including Quicken, QuickBooks and Excel.
- Virtual cards Make safer payments online without exposing your actual card number with merchants.
- Accounts Payable Manage your accounts payable process by sending and tracking payments all in one place.
- Expense Management You and your employees can quickly add expense details—including receipts and notes—for faster reporting.
- Choose your due date Pick your own monthly due date. Your business has the control to pay when you want.
- Transaction details Stay on top of your purchases. You can find merchant information like an address, logo, phone number and map, when available.
- Recurring transactions View a list of merchants that charge your business card monthly like subscriptions and bills.
- Automatic payments Set up AutoPay so you don’t have to worry about signing into your account every month.
- Year-end summaries Get an itemized report of your spending to simplify budgeting and tax time.
- Free employee cards Track employee spending while earning all the rewards from their purchases.
- Spend limits Set customized spending limits for employee cards and see transactions as soon as they post.
- Account managers Assign an account manager to make purchases and payments, review transactions and resolve any problems.
- Account access Manage your account online or use the mobile app to get account activity alerts, see payment options, download past account statements and more.
- Card lock Lock your card or an employee’s if it has been misplaced, lost or stolen.
- Fraud & security alerts Receive an email or text message alert if we detect a potential mistake or suspicious charge on your account.
- Customer support Our Capital One business specialists are specially trained to work with business owners and are available to answer any questions you may have.
- Extended warranty Get free additional warranty and protection on eligible items you purchase with your card.
- 10 minute application It takes about 10 minutes to apply and you'll get a decision in seconds.
- Business owner information You'll need to know legal names, addresses and SSNs for all business owners.
- Business information Gather your legal business name, address and business tax ID number (TIN).
Additional Notes
Excellent credit