Key facts
Don’t get hung up on the annual fee. We’ll explain below how you get the value back from the card’s annual fee – and more – with the card benefits.
Annual Fee:
$395Min. Credit Score for Approval:
800-850 * ExcellentForeign Transaction Fee:
0%Between airport lounge access that includes guests, no preset spending limit, no foreign transaction fees, a a $300 annual travel credit and 10,000 miles at every renewal, this premium travel credit card pays for itself. And it won’t report your account to your personal credit file as long as your account remains in good standing.
Virgin Red converts 1:1 to Virgin Atlantic.
As always, your best uses are to fly Delta One to Europe (excluding England) for 50,000 miles – IF you can find available award space and to book ANA First and Business class awards.
Business Class on ANA to Japan would be 35,000 – 37,000 points while First Class would be 56,000 – 66,000 points (depending on if you are on the West Coast (cheaper) or East Coast.
One more great use is domestically on Delta within the US or US-Mexico/Canada from 7,500 Virgin points.
Reward multipliers
You’ll get an amazing 10X miles on hotels and rental cars booked through the Capital One Travel Portal and 5X miles on flights booked in their Travel Portal. You’ll earn 2X miles on eligible purchases, meaning your everyday spending.
Earns bonus points for spend in the following bonus categories:
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
Estimated Rewards Value: 16%
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
Estimated Rewards Value: 16%
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
Estimated Rewards Value: 8%
Estimated Rewards Value: 3.2%
Key features
Unique Card Benefits
The Capital One Premier Hotel Collection
You can earn unlimited 10X miles on luxury hotels and resorts when you book within the Premier Collection, exclusively for Venture X Business cardholders. Premier Collection hotels come with special perks. You’ll get an experience credit worth up to $100 USD (or the local equivalent) to use on dining, spa and other activities during your stay as well as daily breakfast for two and WiFi. When available upon arrival, you may receive extra perks like early check-in, late checkout, a room upgrade and more.
Has No Preset Spending Limit
Your purchasing power flexes to your needs, allowing businesses with high spend to avoid constantly having to ask for credit line increases like with a traditional business credit card.
Airport Lounge Access
The Venture X Business includes unlimited complimentary access to many airport lounges, including Capital One Lounges and their Partner Lounge Network including Plaza Premium and complimentary Priority Pass membership.
You’ll be able to bring 2 guests to each Capital One Lounge and Plaza Premium lounge you visit and unlimited guests with your Priority Pass membership (enrollment required)
Note: Unlike the Venture X which excludes Priority Pass non-lounge airport experiences (like dining, retail shopping and spa discounts), Venture X Business cardholders DO receive these benefits.
However, unlike the personal Venture X credit card, your authorized users do not get their own Priority Pass membership.
Enrollment required. Certain terms applied. Lounge access is not guaranteed and is subject to space availability.
Annual Statement Credits
You’ll get a total of $400 worth of annual statement credits as follows:
Each year you hold the Venture X Business card, starting immediately upon account opening, you will have $300 in credits to spend on travel booked via the Capital One Travel Portal, including flights booked, car rentals, and hotels.
You’ll also receive 10,000 bonus miles every account anniversary (equal to $100 towards travel)
Secondary Car Rental CDW Waiver
When you book and pay with your Capital One Venture X Business card and decline the Collision Damage Waiver, you’ll be covered against accidental damage to your rental vehicle.
As this is a brand new card, we are still working to confirm if coverage is Primary or Secondary.
As with all CDW card benefits, this does not include any other type of insurance, including liability and property, so it will not protect you in the event of an accident.
Does Not Report Credit Line to Personal Credit Profile
This business card will not report to your personal credit file (although Capital One will still do a hard inquiry on your personal credit to evaluate you for card approval).
Earns Transferable Points
You’ll earn Capital One miles which can be redeemed for cash at one cent per point or transfer to Capital One’s large range of airline and hotel transfer partners.
Capital One Miles never expire as long as you have your card.
These are the current Capital One airline and hotel transfer partners:
| Capital One Miles | ||
|---|---|---|
| Transfer Ratio | Expected Transfer Time | |
| Air Canada (Aeroplan) | 1:1 | Instant |
| Air France / KLM Flying Blue | 1:1 | Instant |
| Avianca Lifemiles | 1:1 | Instant |
| Aeromexico | 1:1 | Instant |
| British Airways Avios | 1:1 | TBD |
| Cathay Pacific Asia Miles | 1:1 | Nearly instant |
| Choice Hotels | 1:1 | 1 day |
| Emirates Skywards | 1:1 | Instant |
| Etihad Guest | 1:1 | 1-2 days |
| Finnair | 1:1 | Instant |
| Qantas | 1:1 | 1-2 days |
| Singapore Airlines KrisFlyer | 1:1 | 1-2 days |
| TAP Air Portugal | 1:1 | TBD |
| Turkish Airlines Miles&Smiles | 1:1 | TBD |
| Wyndham Rewards Hotel Program | 1:1 | Instant |
| EVA | 2:1.5 | 1-2 days |
| Accor Live Limitless (ALL) Hotel Program | 2:1 | 1-2 days |
| Virgin Red | 1:1 | TBD |
Extended Warranty
Get free additional warranty on eligible items that you purchase with your card.
No Fees for Authorized Users
You can add authorized users at no cost. They will not, however, get their own airport lounge access (although they can be your guest when you are traveling together).
Global Entry / TSA PreCheck Reimbursement
Receive a statement credit to reimburse you for either TSA PreCheck ($85) or Global Entry ($100) fees once every four years.
Cell Phone Protection
You’ll need to pay your monthly cell phone bill with your Capital One Venture X Business card to be eligible for a claim on this benefit, which offers coverage of up to $800 per claim (max two claims and $1,600 per 12 months). There is a $50 deductible per claim.
No Foreign Transaction Fees
Capital One cards never charge you foreign transaction fees.
Earn more rewards by combining credit cards
Pros & cons
- The annual fee is more than covered by annual credits
- Comes with access to Capital One lounges, Priority Pass lounges, Plaza Premium lounges - all with generous guest policies
- Free authorized users also get the same airport lounge access benefits and Hertz status as the primary card holder
- No Preset Spending Limit
- The annual fee, while effectively negative $5 after credits, can feel like a lot.
- Aside from bonus points for booking through Capital One travel, there are no bonus categories. Still, all eligible purchases do earn 2X miles per dollar spent which is great.
- Points don't transfer to any domestic airlines, although you can use other partners to book domestic award tickets on domestic airlines.
Our review
The Capital One Venture X Business card is a very well rounded travel credit card that is easy to recommend to almost anyone, especially with No Preset Spending Limit – meaning that heavy business spenders will have an easier time.
The first objection is always the annual fee, but once you see that the $300 annual travel credit and 10,000 miles anniversary bonus (worth $100 or more) nets out the annual fee, it’s much easier to go and focus on the benefits.
If you consider the annual fee to effectively be -$5 as I do based on the above though process, then you are looking a a TON of benefits for a card where you aren’t out a ton on the annual fee with nothing in return.
You’re getting No Preset Spending Limit, Plaza Premium and Priority Pass lounge access, Capital One Lounges, Global Entry (or PreCheck) fee reimbursement, the ability to earn up to 10X miles on travel booked via Capital One, and cell phone protection.
See, that’s a mouthful! You would expect to be paying a massive annual fee for all of that (without credits that net it out) and in this case, you’re just not. Of course, you’ll still have to pay the $395 fee upfront, but you’ll also be able to get that early spend bonus. That offsets it nicely!
In our opinion, this card is simply one of the best travel business cards around in terms of both benefits and value for money.
And as icing on the cake, aside from the initial hard pull on your personal credit to qualify you for approval, it won’t report to your personal credit file as long as your account remains in good standing.
Frequently asked questions
Does the Capital One Venture X Business card have an annual fee?
Yes, it’s $395.
What credit bureaus will Capital One pull when you apply for the Capital One Venture X Business Card?
In most cases, Capital One will pull all three bureaus: Experian, Equifax, and TransUnion.
After a successful approval, this card will not report to your personal credit as long as your account remains in good standing.
Does the Capital One Venture X Business card get you into airport lounges?
The Capital One Venture X Business card includes unlimited access to many airport lounges, including Capital One Lounges and their Partner Lounge Network including Plaza Premium and Priority Pass.
You’ll be able to bring 2 guests to each Capital One Lounge and Plaza Premium lounge you visit and unlimited guests with your Priority Pass membership (enrollment required)
Is it hard to get the Capital One Venture X Business card?
While many people get flummoxed by why they did not get approved for other Capital One cards, the Capital One Venture X Business card seems to be an easy approval for those with excellent credit lines and Capital One seems to be generous with the credit line offered as well.
Is it worth getting the Capital One Venture X?
This card is simply one of the best premium travel business cards around in terms of both benefits and value for money.
How do I earn points / cash with the Capital One Venture X?
You’ll earn 2X Capital One miles per dollar spent on all purchases. If you buy airfare via the Capital One Travel Portal powered by Hopper, you’ll earn 5X miles on those purchases. Hopper is great because you’ll get free price drop protection. Hotels and car rentals booked via the Capital One Travel Portal will earn a generous 10 miles per dollar spent.
You can redeem the points towards travel at a penny each (i.e. 10,000 points equals $100 in travel) or you can transfer your miles to a variety of airline and hotel partners as described in this article.
Is there a better business card than the Capital One Venture X rewards credit card?
It all depends on your individual preferences. Use our interactive card explorer to see if there is a card that has features and benefits that more closely align with what you want in a card.
Does the Capital One Venture X Business card charge foreign transaction fees?
It does not. No Capital One cards do!
Does the the Capital One Venture X rewards credit card have cell phone protection coverage?
You’ll need to pay your monthly cell phone bill with your Capital One Venture X Business card to be eligible for a claim on this benefit, which offers coverage of up to $800 per claim (max two claims and $1,600 per 12 months). There is a $50 deductible per claim.
What credit score do I need to get a Capital One Venture X Business card?
You’ll need excellent credit, probably a 740 FICO or better, to be approved.
What can I do with the points earned for spending on the Capital One Venture X rewards credit card?
You can either cash out your points like cash for travel purchases to easily cover travel expenses (for example, 10,000 points equals $100 in travel purchases, or you can transfer your miles to a range of airline and hotel partners as described in the article and in our Capital One Miles Guide.
Does the Capital One Venture X Business card have Cell Phone Protection?
Yes. You’ll need to pay your monthly cell phone bill with your Capital One Venture X to be eligible for a claim on this benefit, which offers coverage of up to $800 per claim (max two claims and $1,600 per 12 months). There is a $50 deductible per claim.
Does the Capital One Venture X Business card offer Roadside Assistance?
No, the Capital One Venture X Business card does not offer a Roadside Assistance benefit.
Is there a lower fee version of the Capital One Venture X Business card?
Not exactly, since this is the only Capital One card with No Preset Spending Limit.
However, there are $95 annual fees on both the Spark Miles for Business and the Spark Cash Select.
How does the Capital One Venture X Business card compare to the Chase Business Premier?
You can compare the Capital One Venture X Business card to the Chase Business Premier card here.
How does the Capital One Venture X Business card compare to the Business Platinum Card from American Express?
Of course, the Venture X earns Capital One miles and the Business Platinum Card from American Express earns Membership Rewards points, but you can compare both cards extensively here.
