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Capital One

Venture X Business

BusinessTravelFlat-Rate RewardsExcellent CreditNo Foreign Transaction FeesHotelAirline

Key Features

Annual Fee$395.00
Regular APR
Your balance is due in full every month which means there is no APR.
Other Fees
If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance.
Read the full review
Best for those with
Very Good Credit

About this card

The Capital One Venture X Business card is an excellent premium travel card for business owners, meriting an overall rating of 4.3. Its strengths lie in its generous rewards program, valuable travel benefits, and the absence of APR. The 2x miles on all purchases, coupled with higher rates on travel booked through Capital One Business Travel, make it easy to accumulate rewards. The significant sign-up bonus, annual travel credit, and anniversary bonus effectively offset the annual fee for frequent travelers. The lack of an APR (since it's a charge card) is a significant advantage. However, the $395 annual fee is a notable consideration, and some users have reported issues with the Capital One Travel portal, which is necessary to maximize certain rewards. The card's strong reputation and positive user sentiment further contribute to its high rating. The combination of high rewards rate, travel perks, and business-friendly features make it a compelling option for businesses with significant travel expenses.

4.3
Overall Rating

Pros & Cons

What's great

  • Generous sign-up bonus
  • High rewards rate
  • Annual travel credit
  • Lounge membership
  • No foreign transaction fees
  • Automatic elite status

Things to consider

  • High annual fee
  • Requires excellent credit
  • High late payment fee

What this card offers

Sign-up bonuses

  • Earn 150,000 bonus miles when you spend $30,000 in the first 3 months, which is equal to $1,500 in travel.

Rewards

  • Earn unlimited 2X miles on every purchase.
  • Book through Capital One Business Travel to earn 10X miles on hotels and rental cars, and 5X miles on flights and vacation rentals.

Other features

  • Flexible Rewards Redeem miles on flights, hotels, vacation rentals and more, with no restrictions or blackout dates.
  • Elevated Travel Benefits Skip the lines with TSA PreCheck® or Global Entry and enjoy a network of 1,300+ lounges worldwide.
  • Business-Grade Capabilities Empower your team to make purchases while earning rewards on their transactions, with free employee and virtual cards.
  • Pay-in-full card Your balance must always be paid off in full every month.
  • Flexible spend capacity This card comes with no preset spend limit that adapts to your needs based on spending behavior, payment history and credit profile.
  • Annual travel credit Receive an annual $300 credit for bookings through Capital One Business Travel. You will also get 10,000 bonus miles every year, starting on your first anniversary.
  • Automatic payments Set up AutoPay so you don’t have to worry about signing into your account every month.
  • $0 fraud liability If your card is lost or stolen, you can get an emergency replacement and a cash advance.
  • Year-end summaries Get an itemized report of your spending to simplify budgeting and tax time.
  • Account managers Assign an account manager to make purchases and payments, review transactions and resolve any problems.
  • Purchase records Quickly and securely download your purchase records into multiple formats including Quicken®, QuickBooks® and Excel®.
  • Virtual card numbers Make safer payments online without exposing your actual card number with merchants.
  • 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.
  • 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.
  • Capital One Business Travel Earn 10X miles on hotels and rental cars, and 5X on flights and vacation rentals. Plus, manage business travel by adding employees and setting policies.
  • 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.
  • Premier Collection Elevate your stay at luxury hotels, resorts and vacation rentals from the Premier Collection with a $100 experience credit and other premium benefits on every booking.
  • Hertz President's Circle Status Skip the counter at select locations, enjoy the widest selection of rental cars and more, just for being a Venture X Business cardholder.
  • Global Entry or TSA PreCheck® Receive up to a $120 statement credit on Global Entry or TSA PreCheck®.
  • No Foreign Transaction Fees You won't pay a transaction fee when making a purchase outside of the United States.
  • 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.
  • Security alerts Get notified via text, email and phone if Capital One notices potential suspicious transactions on your account.
  • Fraud & security alerts Receive an email or text message alert if we detect a potential mistake or suspicious charge on your account.
  • Card lock Lock your card or an employee’s if it has been misplaced, lost or stolen.
  • Extended warranty Get free additional warranty and protection on eligible items that you purchase with your card.
  • Customer support Our Capital One Business representatives are specially trained to work with business owners and are available to answer any questions you may have.

Additional Notes

Credit Level: EXCELLENT

Ratings

4.3
4.6
3.8
5
2.8