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Capital One · venture

Capital One Venture Business

4.1 / 5

Capital One Miles · Business card

A flat 2X business card with a $95 fee, transferable miles and $100 a year in credits that offset most of the fee. The 5X rate and both annual credits are tied to Capital One's own booking and merchant categories.

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At a glance

Welcome bonus: 100,000 miles; Spend $10,000 in 3 months
Annual fee: $95; Year-one and ongoing
Purchase APR: 24.49%; No intro APR
FX fee: None

Editorial

Our take

Verdict

Pros & cons

Pros

Unlimited 2 miles per dollar on every purchase
100,000-mile bonus after $10,000 in the first 3 months
No foreign transaction fees
$100 a year in travel and advertising or software credits against a $95 fee

Cons

5X earning only applies to Capital One Business Travel bookings
Single 24.49% purchase APR with no intro APR offer
The bonus may not be available to existing or previous Capital One business cardholders

Earnings

Earn rates

Category	Rate	Notes
Travel via Capital One Business Travel	5x miles	Hotels, vacation rentals and rental cars booked through Capital One Business Travel.
All other purchases	2x miles	Unlimited 2X miles on every purchase for your business.

Benefits

Key benefits

Unlimited 2X miles

Every business purchase earns 2 miles per dollar with no blackout dates or category restrictions.

Annual travel and software credits

A $50 Capital One Business Travel credit and up to a $50 statement credit at qualifying advertising or software merchants each year.

Global Entry or TSA PreCheck credit

Up to a $120 statement credit for the application fee once every four years.

No foreign transaction fees

Capital One charges no fee on purchases made outside the United States.

Transfer to 15+ travel partners

Miles can be moved to Capital One's airline and hotel partners or used to cover travel purchases on your statement.

Fit

Who this is best for

Businesses with spending spread across categories
Owners who want transferable miles rather than fixed-value rewards
Frequent international business travel

FAQ

Frequently asked questions

What is the Capital One Venture Business welcome bonus?

Earn 100,000 bonus miles when you spend $10,000 in the first 3 months

Does the Capital One Venture Business charge an annual fee?

Yes. The annual fee is $95 every year.

Does the Capital One Venture Business have a foreign transaction fee?

No. The Capital One Venture Business charges no foreign transaction fee, so it works well for international purchases.

What APR does the Capital One Venture Business charge?

The purchase APR is 24.49% variable.

Who is the Capital One Venture Business best for?

Businesses with spending spread across categories. Owners who want transferable miles rather than fixed-value rewards. Frequent international business travel.

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