Key facts
The Capital One Venture Business card has replaced the Capital One Spark Miles for Business Card.
- Earn unlimited 2X miles on every purchase, everywhere—no limits, no category restrictions, and miles never expire.
- Up to $220 in credits: $50 annual travel credit through Capital One Business Travel, up to $50 statement credit on purchases at qualifying advertising or software merchants, plus up to $120 credit for Global Entry or TSA PreCheck® every four years. Terms apply.
- Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
- Flexible redemption: Transfer miles to 15+ travel loyalty programs or redeem instantly for any travel-related purchases, including flights, hotels, and rideshares.
- $95 annual fee
- Free employee cards that earn unlimited 2X miles.
- Top-rated mobile app for managing rewards on the go.
Annual Fee:
$95Min. Credit Score for Approval:
800-850 * ExcellentOngoing APR:
24.49% VariableBalance transfer fees
Balance transfers are not available on Venture BusinessForeign Transaction Fee:
0%Note that if you are an existing Spark Miles for Business cardmember, you will not be converted to this card.
Transfer bonus of 1,000 Capital One Miles = 975 Infinity MileageLands Miles ends 11:59PM Eastern Time on 07/31/2026. This is a 30% transfer bonus as this normally transfers 4:3 and this makes it nearly 1:1.
Keep in mind that Citi ThankYou points also transfer to EVA at a 1:1 ratio so this only makes sense if you not only use the program but also don’t have ThankYou points.
Typically, the main use of EVA Air miles are to book business class awards on EVA. These are not released to partners, most of the time, although it’s been flagged by Tim @ Roame.travel that they have recently been making some available to partners 7 days before the flight. Still, if you want to advance plan, you need EVA miles.
It can take up to 36 hours for the transfer to go through, so you can’t find space and then transfer, but there is really good award space for its own members so as long as you have some flexibility, you should be able to find a flight.
They do offer Star Alliance Round the World awards and with ANA no longer offering their really generous RTW award, this could be a nice option. These are 180,000 miles for economy, 325,000 miles for business class, and 480,000 miles in first class, although good luck finding 1st award space for that many segments!
While you can book other Star Alliance awards with EVA (like US to Europe in Business Class for 65,000 miles), the prices aren’t compelling enough to use EVA for them, especially without instant transfers. Surcharges are applied.
Reward multipliers
You’ll earn 2X Miles (with no cap) on all of your everyday business purchases, plus 5X Miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
Earns bonus points for spend in the following bonus categories:
Earn 5X Miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
Estimated Rewards Value: 3.2%
Earn 5X Miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
Estimated Rewards Value: 3.2%
Estimated Rewards Value: 3.2%
Key features
Unique Card Benefits
Lifestyle Collection
Unlock premium benefits with every stay, like a $50 experience credit, room upgrades when available and more.
Plus, earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel.
Annual Statement Credits
Up to $220 in Statement Credits
- Receive up to a $50 annual travel credit through Capital One Business Travel, up to $50.
- Receive up to a $50 annual statement credit on purchases at qualifying advertising or software merchants. This is determined by the MCC matching an advertising or software merchant code and you may not receive the credit if the merchant code is not one of these (i.e. buying software at a general retailer).
- Up to $120 credit for Global Entry or TSA PreCheck® every four years. Terms apply.
To clear up any confusion on the statement credits….
The (up to) $50 Capital One Business Travel is annually on a cardmember year basis: Each annual Credit will expire on the next account open date anniversary.
The (up to) $50 statement credit on purchases at qualifying advertising or software merchants is not a pre-set list of vendors, but requires that the Merchant Code (MCC) match advertising or software. This is also on a cardmember year basis.
Earns Transferable Points
This card earns Capital One Miles which can be redeemed for statement credits on travel at 1 cent a piece, but the real value lies in their 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 |
| EVA | 2:1.5 | 1-2 days |
| Finnair | 1:1 | Instant |
| JAL (Japan Airlines) Mileage Bank | 2:1.5 (Account must be open for 7 days before transfer) | TBD |
| JetBlue | 5:3 | TBD |
| Qantas | 1:1 | 1-2 days |
| Qatar Avios | 1:1 | TBD |
| 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 |
| Virgin Red | 1:1 | TBD |
| Accor Live Limitless (ALL) Hotel Program | 2:1 | 1-2 days |
| I Prefer Hotel Rewards: | 1:2 | TBD |
Does Not Report Credit Line to Personal Credit Profile
For new Venture Business customers, Capital One will not report to personal credit bureaus as long as an account remains in good standing.
Grants Car Rental Status
You’re eligible to upgrade to Hertz Five Star® Status.
This is Hertz’s second-highest membership tier, offering perks such as a wider selection of rental vehicles, upgrades to the next car class, and a dedicated customer service line.
Eligible cardholders must enroll in the Hertz® Gold+™ status upgrade through the unique Benefits Tab link found within the Capital One website or mobile app after logging in.
Global Entry / TSA PreCheck Reimbursement
You will be eligible for up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms apply.
No Fees for Authorized Users
You can request free employee cards that earn unlimited 2X miles.
Earn more rewards by combining credit cards
Pros & cons
- Unlimited 2X Miles on purchases with no cap and a low annual fee
- Capital One Miles transfer to a nice range of air and hotel partners
- Available Statement credits can be worth more than the annual fee
- No bonus categories outside of bookings via Capital One Business Travel
Our review
💳 This card earns Capital One Miles. Capital One often runs transfer bonuses where you can get even more points when you transfer to airline or hotel partners at designated times. Transfer bonuses are awesome. Get 20%, 30%, 40% or more bonus miles when you transfer points at the right times. But they are easy to miss!
You can see all past Transfer Bonuses from Capital One Miles here.
Even better? Get notified when a new transfer bonus comes out and again before it ends (either or both, your choice). Sign up for free alerts right here. 🔔
The Capital One Venture Business card is a uniquely simple small business credit card.
With 2X Capital One Miles earned per dollar spent on all eligible purchases (plus the option to earn 5X miles on hotels, rental cars, and vacation rentals booked through Capital One Business Travel), you can really rack up the miles fast.
And while Capital One Miles used to simply be worth a penny each towards travel, that’s changed entirely since Capital One made their miles transferable.
Many small business owners don’t worry about bonus categories, but they do want as many rewards points for their business spend as possible. And they want, on top of that simplicity, to know they are getting a top end rate of return on spend.
The Capital One Venture Business accomplishes both goals. 2X miles on everything with no limit is among the best options among all small business credit cards. While the Blue Business® Plus Credit Card from American Express also earns 2X points on purchases, it is capped at $50,000 in spend per year whereas the Capital One Venture Business has no limit.
And then for redeeming your points, you can simply spend them for travel at a penny a point, or you can use the airline and hotel transfer partners which have really expanded to include some great transfer partners like JAL Mileage Bank.
As an additional bonus, this low annual fee business card comes with up to a $120 credit for Global Entry or TSA PreCheck® every four years.
Overall, it’s a super simple card that is an excellent choice for small business owners that love to travel on their time off.
Need to Know: Capital One generally will make a credit inquiry with all three credit bureaus. For new Venture Business customers, Capital One will not report to personal credit bureaus as long as an account remains in good standing. This card is on our list of credit cards that do not report the credit line to your personal credit profile.
Frequently asked questions
Will the Capital One Venture Business report to my personal credit file?
For new Venture Business customers, Capital One will not report to personal credit bureaus as long as an account remains in good standing.
