Why the Capital One Venture X Business Card is a game-changer for travelers

Reviews Why the Capital One Venture X Business Card is a game-changer for travelers

Milesopedia recommends this card from Capital One

Capital One Venture X Business

150,000 Miles

Apply Now

Terms Apply See rates & fees

Learn More

The Capital One Venture X Business card is a premium travel rewards credit card for small-business owners with high-end benefits and a straightforward earning structure. Launched to compete with more expensive options like The Business Platinum Card^® from American Express, it has quickly become a favorite among business travelers with its competitive annual fee and generous perks that rival those of pricier cards.

And Capital One has been rapidly expanding its airport lounge offerings. It provides complimentary, unlimited access to Capital One Lounges and over 1,300 additional partner lounges through Priority Pass, including lounges in major airports like Dallas Fort Worth International Airport (DFW), Denver International Airport (DEN) and Washington’s Dulles International Airport (IAD).

The card offers a $300 annual travel credit for bookings through Capital One Travel and 10,000 bonus miles annually starting on your first account anniversary, making it easy to offset the $395 annual fee. Additionally, it provides up to $120 in statement credits for TSA PreCheck or Global Entry application fees.

These benefits, combined with no preset spending limit and the ability to add employee cards at no additional cost, make the Venture X Business card an excellent choice for small-business owners seeking luxury travel perks without the higher costs associated with some competitor cards.

Capital One Venture X Business welcome offer

The Capital One Venture X Business currently offers a welcome offer of 150,000 miles after spending $30,000 on purchases within the first three months of account opening.

The card has an annual fee of $395.

Capital One Venture X Business earning rates

Just like the Capital One Venture X Credit Card, as a cardholder of the Capital One Venture X Business, you earn:

10 miles per dollar on hotels and rental cars booked through Capital One Travel.
5 miles per dollar on flights booked through Capital One Travel.
2 miles per dollar on all other purchases.

Capital One Venture X Business benefits

The Capital One Venture X Business card offers a range of key annual benefits that provide substantial value for business travelers:

$300 annual travel credit: This credit can be used for bookings made through Capital One Travel, helping to offset the annual fee.
10,000 bonus miles annually: Starting on your first account anniversary, you receive 10,000 bonus miles each year, which are worth $100 or more toward travel.
Complimentary airport lounge access: You have access with up to two guests per visit to Capital One lounges, Priority Pass lounges and Plaza Premium lounges.
Travel protections: Includes up to $120 in statement credits for TSA PreCheck or Global Entry application fees, trip delay reimbursement up to $500 per person when your trip is delayed more than six hours, auto rental collision damage waiver and extended warranty protection.
Additional perks: Offers free cell phone protection (up to $800 coverage), no foreign transaction fees, access to luxury hotel collections.

While the $395 annual fee might seem high, cardholders can easily recoup it through the $300 travel credit, 10,000 anniversary miles, lounge access and various travel and purchase protections. These benefits make the Venture X Business card a compelling choice for small-business owners who frequently travel.

Capital One miles

You can redeem Capital One miles for:

Travel bookings through Capital One Travel at 1 cent per mile.
Statement credits against travel purchases.
Transfers to airline and hotel partners (often a better value).
Gift cards (typically at a lower value).

Transferring Capital One miles and sweet spots

Capital One has 15 airline partners and three hotel partner programs. You can often greatly increase their value by strategically transferring your Capital One miles to airline and hotel partners.

While Capital One doesn’t have any direct U.S. airline partners, you can still use your Capital One miles to book award flights on major U.S. carriers through their partner airlines. For example:

For American Airlines flights:

Transfer to British Airways Executive Club: Book short-haul AA flights starting at 12,000 Avios each way. For example, New York John F. Kennedy International Airport (JFK) to Miami International Airport (MIA) costs 16,000 Avios in economy and 32,000 Avios in business class.
Transfer to Etihad Guest: Book AA flights often at lower rates than using AAdvantage miles. For instance, Los Angeles International Airport (LAX) to Phoenix Sky Harbor International Airport (PHX) costs 6,000 Eithad miles in economy.

For United Airlines flights:

Transfer to Turkish Airlines Miles&Smiles: Book domestic United flights for just 7,500 miles each way in economy or 12,500 in business class. This is especially a great value on Hawaii flights when award space is available.
Transfer to Air Canada Aeroplan: Book United flights starting at 6,000 points for flights under 500 miles. Longer domestic flights cost 10,000 to 12,500 points in economy.

For Delta Air Lines flights:

Transfer to Air France-KLM Flying Blue: Book economy flights from Boston Logan International Airport (BOS) to London’s Heathrow Airport (LHR) for 23,000 miles. Delta flights from Newark Liberty International Airport (EWR) to Hartsfield-Jackson Atlanta International Airport cost 10,500 miles in economy and 28,000 miles in business class.
Transfer to Virgin Red: Economy class tickets between the East Coast and London start at just 10,000 miles.

In many of these cases, you get a better value than booking directly through the airlines’ own loyalty programs. Additionally, Capital One occasionally offers transfer bonuses to various partners, which can increase the value of your miles even further.

Here are some of our favorite ways to use Capital One miles by leveraging partner program sweet spots:

Air France-KLM Flying Blue for flights to Europe: Economy flights from the U.S. to Europe start at just 25,000 miles in economy, 40,000 miles in premium economy and 60,000 miles in business class.
Turkish Airlines Miles&Smiles for domestic U.S. flights: Book domestic flights for 7,500 miles in economy or 12,500 miles in business class.
Air Canada Aeroplan for Star Alliance flights: Book business class flights from San Francisco International Airport (SFO) to Singapore Changi Airport (SIN) for 87,500 points on Singapore Airlines. Flights on carriers like Austrian, Lufthansa, Swiss, United and Brussels Airlines cost either 60,000 or 70,000 points from the continental U.S. to Europe, and you can add a stopover for 5,000 points.
British Airways Avios for short-haul flights: Awards start at just 9,250 Avios in economy and 15,000 in business class for flights like London to Václav Havel Airport Prague (PRG). This can also be a good option on partner flights like Cathay Pacific from Hong Kong International Airport (HKG) to Taiwan Taoyuan International Airport (TPE) for 9,750, 14,300 and 20,800 Avios in economy, premium economy and business class respectively.
Virgin Red for flights to London: You can fly on saver tickets from JFK to London from 6,000, 10,500 and 29,000 Virgin points in economy, premium economy and business class respectively.

Comparable cards to the Capital One Venture X Business

Here are some comparable business credit cards to the Capital One Venture X Business with competitive rewards, benefits and credits for frequent travelers.

The Business Platinum Card® from American Express

Supercharge Your Business Travel with the American Express^® Business Platinum Card

5X Membership Rewards^® points on flights and prepaid hotels booked through AmexTravel.com
1.5X points on eligible purchases in key business categories or on spends of $5,000 or more
1X point on all other purchases
Up to $200 Hilton statement credit (enroll) and up to $209 CLEAR^® Plus credit annually
Complimentary access to 1,400+ lounges worldwide via the American Express Global Lounge Collection^®
Complimentary Gold status with both Hilton Honors^® and Marriott Bonvoy^® (enroll)
Fine Hotels + Resorts^® perks—daily breakfast, upgrades and late checkout at luxury properties
No foreign transaction fees
$695 annual fee

Tailored for entrepreneurs on the move, this card turns travel and large business expenses into valuable rewards and VIP privileges. Earn enhanced points on airfare and accommodations, then offset your fee with generous hotel and security‑through‑security credits. Take advantage of automatic elite hospitality benefits, seamless enrollment in premium lounge networks, and unmatched concierge services. With flexible point redemptions across travel, statement credits and more, the Business Platinum Card ensures every trip delivers maximum return.

Terms apply. Enrollment required for select benefits and statement credits; see issuer for details.

American Express Business Gold Card

Unlock Customized Rewards with the American Express Business Gold Card

100,000 Membership Rewards^® points after $15,000 in purchases within the first 3 months
4X points on your top two spend categories each billing cycle—from advertising and U.S. software to gas stations, restaurants, transit and wireless—on up to $150,000 in combined purchases per year
1X point on all other purchases
$20 statement credits each month for eligible U.S. spending at FedEx, Grubhub and office supply stores (up to $240 per year)
$12.95 monthly credit for Walmart+ membership (enrollment required)
$375 annual fee

Perfect for businesses that want to tailor rewards to their most essential expenses, this card adapts each month to where you spend most, maximizing your point-earning potential. Enjoy flexible buying power, Pay Over Time options and intuitive expense management in the American Express app.

Terms apply. Bonus points and statement credits require enrollment and qualifying purchases. 4X points cap of $150,000 combined spend per calendar year then 1X. See terms for details.

Ink Business Preferred® Credit Card

Maximize Business Travel Rewards with the Chase Ink Business Preferred^® Credit Card

90,000 bonus points after spending $8,000 in the first 3 months
3X points per $1 on the first $150,000 spent on travel and select business categories annually
1X point per $1 on all other purchases
1:1 transfers to leading airline and hotel loyalty programs
Primary rental car coverage and trip cancellation/interruption protection
$95 annual fee
No foreign transaction fees

Reward everyday business spend—from shipping and advertising to telecom and travel—with elevated earning rates and seamless redemptions. Combine points across your Chase portfolio, redeem them for 1.25¢ each toward travel booked through Chase Travel℠, or transfer them to more than a dozen top loyalty partners. Stay in control with an intuitive dashboard, real‑time alerts and powerful digital tools built for busy entrepreneurs.

Terms apply. Bonus points require $8,000 spend in 3 months. Rewards cap at 150,000 bonus-category points per anniversary year. See issuer for full details.

Each of these business credit cards offers a unique set of perks for different needs, from extensive travel rewards and lounge access to valuable statement credits and business-specific benefits. Be sure to consider your company’s spending habits and travel needs to select the card that maximizes your rewards and benefits.

Is the Capital One Venture X Business worth it?

If you can use the $300 annual travel credit and take advantage of the complimentary lounge access, the Capital One Venture X Business card can easily justify its $395 annual fee. The card’s straightforward earning structure and flexible redemption options make it valuable even for less frequent travelers.

With benefits like 10,000 bonus miles annually and access to over 1,300 airport lounges, the Venture X Business card provides significant value for those who can leverage its travel perks effectively.

Bottom line

The Capital One Venture X Business card offers valuable perks, including a $300 annual travel credit, up to 10 miles per dollar on select travel purchases and access to over 1,300 airport lounges. It’s a strong choice for small-business owners who travel. With flexible redemption options and a straightforward earning structure, it provides excellent value for businesses looking to maximize travel rewards while keeping costs manageable.

FAQs – Capital One Venture X Business

What is the Capital One Venture X Business Card?

The Capital One Venture X Business is a premium travel rewards credit card for small-business owners. It offers luxury travel benefits, high earning rates, lounge access, and flexible redemption options for a $395 annual fee.

How much is the Capital One Venture X Business annual fee?

The card has a $395 annual fee, which is offset by a $300 annual Capital One Travel credit and 10,000 anniversary miles (worth at least $100 toward travel).

What are the earning rates on the Venture X Business Card?

Earn 10 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights booked through Capital One Travel, and 2 miles per dollar on all other purchases.

Does the Venture X Business Card offer lounge access?

Yes. The card includes unlimited complimentary access to Capital One Lounges, Plaza Premium, and Priority Pass lounges for the cardholder and up to two guests.

Can I add employee cards with the Venture X Business?

Yes. You can add employee cards at no additional cost. Employees also receive benefits like lounge access and Hertz status.

What is the welcome offer for the Capital One Venture X Business?

You can earn 150,000 bonus miles after spending $30,000 within the first three months of opening your account.

Can I transfer Venture X Business miles to travel partners?

Yes. Capital One miles can be transferred to over 15 airline and hotel partners, including Air Canada Aeroplan, Flying Blue, Turkish Airlines Miles&Smiles, and British Airways Executive Club.

Does the card include TSA PreCheck or Global Entry credit?

Yes. You get up to $100 in statement credits every four years for TSA PreCheck or Global Entry application fees.

Marc Delaney

Marc Delaney is a bilingual (English/French) travel rewards strategist and credit card expert at Milesopedia USA. Born in the U.S. to a French-American family, Marc combines North American know-how with a deep understanding of international loyalty programs. With over a decade of experience in personal finance, he specializes in helping high-income individuals, digital nomads, and frequent flyers optimize their credit card points and travel benefits. His insights focus on maximizing value from programs like Chase Ultimate Rewards®, Amex Membership Rewards®, Aeroplan® and Flying Blue®. Marc started his career advising startups on business credit strategies and later transitioned into rewards consulting for cross-border entrepreneurs. He holds a degree in economics from the University of Vermont and has contributed to financial newsletters, webinars, and loyalty-focused communities across North America and Europe. A passionate traveler, Marc has explored more than 40 countries using points and miles to fly in premium cabins and stay in luxury hotels. When he's not analyzing credit card ecosystems, you'll find him hiking remote trails or reviewing airport lounges for Milesopedia readers.

All posts by Marc Delaney