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* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
Capital One Launches Venture Business
Today, Capital One launched the Capital One Venture Business card. Of course, our sister site Your Best Credit Cards has all the details on the Venture Business and we just sent out an alert to our free bonus offer alert subscribers with details of the welcome offer which is a Limited-time offer to earn up to 150,000 bonus miles:
75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months.
Capital One Venture Business
(4.43) Our Review
- 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.
- 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.
Pros
- 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
Cons
- No bonus categories outside of bookings via Capital One Business Travel
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2x-5x
Hotels
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2x-5x
Car Rentals
-
2x
Everything Else
Capital One Venture Business – Won’t Report to Personal Credit
Here’s the excellent news that I confirmed earlier today with a Capital One spokesperson:
For new Venture Business customers, Capital One will not report to personal credit bureaus as long as an account remains in good standing.
Capital One has a long standing history of reporting some but not all business credit cards to personal credit. So much so that I made a dedicated post: Which Capital One Business Cards Report to Personal Credit.
While this card replaces the Spark Miles for Business card (no longer available, but existing accounts remain unchanged and will not convert to a Venture Business), the Spark Miles notably did report to your personal credit file and the Spark Cash cards all do as well. So the Capital One Venture Business joins the Venture X Business and Spark Cash Plus in not reporting to your personal credit file as long as your account remains in good standing.
Other highlights of the card are substantially similar to the now-replaced Spark Miles, but with some extra statement credits:
- 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.
- Hertz 5 Star status.
Some clarifications 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.
I am waiting to hear back on what payment network this card is running on and will update that here when I have a definitive answer.
Questions?
Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group. And don’t forget to follow me on Instagram for all sorts of tips on miles, points, credit cards, and travel.
