Pros & Cons

Pros

  • +Welcome Bonus: 150,000 points
  • +Lounge access included
  • +Purchase protection included

Cons

  • High annual fee ($395/yr)

Our Review

Elevate Your Business Travel with the Capital One Venture X Business Card

  • 150,000 bonus miles after $30,000 in purchases within 3 months
  • 10X miles on hotels and rental cars booked through Capital One Travel
  • 5X miles on flights and vacation rentals booked through Capital One Travel
  • 2X miles on all other purchases, everywhere
  • $300 annual travel credit for bookings through Capital One Travel
  • $120 statement credit for TSA PreCheck® or Global Entry® application fee
  • Unlimited lounge access at 1,300+ Priority Pass and Capital One lounges
  • $100 experience credit on Premier Collection hotel and vacation rental bookings
  • No foreign transaction fees
  • $395 annual fee
  • Charge card: pay your balance in full each month

This card is tailored for business owners who value premium travel perks and powerful earning rates. Flexibly redeem miles through Capital One Travel or transfer to leading airline and hotel partners. Between generous credits, lounge access and elevated rewards, you’ll more than offset the annual fee and enjoy a seamless global journey.

Terms apply. Welcome bonus and credits require minimum spending. See issuer’s site for full details.

Rewards

All Spending

2x

Capital One Miles pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries2x
$700/mo
Gas & EV2x
$200/mo
Transit2x
$100/mo
Restaurants2x
$300/mo
Pharmacy2x
$50/mo
Travel2x
$150/mo
Bills & recurring payments2x
$250/mo
Telecom2x
$150/mo
Entertainment & streaming2x
$100/mo
Office supplies2x
$0/mo
All other spending2x
$500/mo

Points Earned

60,000

Capital One Miles/yr

Estimated Value

$600

After Fees

+$205

1st Year Value

$1,705

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 2x16,800 pts
Gas & EV$2,400/yr × 2x4,800 pts
Transit$1,200/yr × 2x2,400 pts
Restaurants$3,600/yr × 2x7,200 pts
Pharmacy$600/yr × 2x1,200 pts
Travel$1,800/yr × 2x3,600 pts
Bills & recurring payments$3,000/yr × 2x6,000 pts
Telecom$1,800/yr × 2x3,600 pts
Entertainment & streaming$1,200/yr × 2x2,400 pts
All other spending$6,000/yr × 2x12,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year2x
Total points earned60,000 pts
Value of points accumulated in the first year$600

Annual benefits

  • $300
Total benefits$0

Perks & Benefits

Airport lounge access

Priority PassUnlimited (Contrairement à la carte personnelle, 2 invités restent gratuits.)
Capital One LoungeUnlimited

Concierge

24/7

NEXUS membership

Included

Capital One Business Travel credit

$300

Additional Benefits

No preset spending limit that adapts to your needs based on spending behavior, payment history and credit profile. The card is designed to be paid in full, with the option to carry over a portion of the balance with interest. Free employee cards with customized spend limits, account managers and virtual cards. Accounts Payable and Expense Management tools. Purchase records downloadable into Quicken, QuickBooks and Excel. $0 fraud liability, security alerts and card lock. Choose your own monthly due date; year-end summaries; recurring transaction tracking. Unlimited access to Capital One Lounges and Landing for eligible cardholders, plus a network of 1,300+ lounges worldwide; lounges offer working spaces, high-speed Wi-Fi and locally inspired food. Up to a $120 statement credit on Global Entry or TSA PreCheck. Premier Collection: elevate your stay at luxury hotels, resorts and vacation rentals with a $100 experience credit and other premium benefits on every booking. Hertz President's Circle status: skip the counter at select locations and enjoy a wider selection of rental cars. Complimentary access to Capital One Business Travel, an all-in-one business travel management solution. No foreign transaction fees. Redeem miles through Capital One Business Travel or as reimbursement for travel expenses, and transfer miles to 15+ partners. Receive an annual $300 credit for bookings through Capital One Business Travel, plus 10,000 bonus miles every year starting on your first anniversary. Premier Collection: $100 experience credit on every booking. Receive up to a $120 statement credit on Global Entry or TSA PreCheck. Lounge access: Capital One Lounges and Landing.

Travel Insurance

Travel Medical

Included

Trip Cancellation

Up to $1,500

Trip Interruption

Up to $1,500

Delayed Baggage

Up to $300

Lost Baggage

Up to $1,500

Travel Accident

Up to $1,000,000

Purchase Protection

Purchase Protection

Up to $10,000 / 90 days

Extended Warranty

+1 years

Mobile Device

Up to $800

Auto Rental Collision (secondary, primary for business rentals, primary abroad)

Included

Price protection

Included

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $395
  • Foreign currency conversion fee
    0%

Terms & Conditions

Card Features

  • Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
  • Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
  • Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One’s travel booking site
  • With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
  • Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
  • Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
  • Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One’s travel booking site
  • Receive up to a $120 credit for Global Entry or TSA PreCheck. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass lounges, after enrollment
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • This is a pay-in-full card, so your balance is due in full every month

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Capital One. All trademarks are property of their respective owners.