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Capital One · rewards

Capital One Venture X Business

4.6 / 5

Capital One Miles · Business card

Venture X Business earns 2x miles on everything with no preset spending limit, and the $300 annual travel credit plus 10,000 anniversary miles cover most of the $395 fee on their own. The February 2026 lounge changes mean free guest and authorized-user access are gone, so check those costs before counting on them.

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At a glance

Welcome bonus: 150,000 miles; Spend $30,000 in 3 months
Annual fee: $395; Year-one and ongoing
Purchase APR: See terms; No intro APR
FX fee: None

Editorial

Our take

Verdict

Pros & cons

Pros

Uncapped 2x miles on every purchase, 10x/5x via Capital One Travel
$300 annual travel credit + 10,000 anniversary miles largely offset the fee
Complimentary Capital One Lounge, Landing, and Priority Pass access for the primary cardholder

Cons

$395 annual fee
Authorized users now cost $125/year each for lounge access (as of Feb 2026)
Free guest lounge access requires $75,000/year spend, otherwise $35 per extra Priority Pass guest

Earnings

Earn rates

Category	Rate	Notes
Hotels & rental cars via Capital One Travel	10x miles	Hotels and rental cars booked through Capital One Business Travel.
Flights via Capital One Travel	5x miles	Flights and vacation rentals booked through Capital One Business Travel.
All other purchases	2x miles	Unlimited 2 miles per dollar on every purchase.

Benefits

Key benefits

$300 Annual Travel Credit

Get a $300 statement credit every year for bookings through Capital One Business Travel.

10,000 Anniversary Miles

Receive 10,000 bonus miles every account anniversary, worth about $100 toward travel.

Lounge Access

Complimentary entry for the primary cardholder to Capital One Lounges, Capital One Landing, and 1,300+ Priority Pass lounges. Since February 2026, guest and authorized-user access are no longer automatically free.

$120 Global Entry/TSA PreCheck Credit

Get reimbursed up to $120 for Global Entry or TSA PreCheck every 4 years.

Free Employee Cards

Add employee cards at no extra cost and earn miles on their spending too.

Fit

Who this is best for

Businesses with heavy travel spend
Simple 2x-miles-on-everything earning
Frequent flyers who value lounge access

FAQ

Frequently asked questions

What is the Venture X Business welcome bonus?

Earn 150,000 bonus miles (worth about $1,500 in travel) after spending $30,000 on purchases in the first 3 months. Not available to existing or previous Capital One business cardholders.

Does the Venture X Business charge an annual fee?

Yes. The annual fee is $395 every year.

Does the Venture X Business have a foreign transaction fee?

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

What APR does the Venture X Business charge?

The purchase APR is See terms variable.

Who is the Venture X Business best for?

Businesses with heavy travel spend. Simple 2x-miles-on-everything earning. Frequent flyers who value lounge access.

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