Built for business owners with substantial monthly expenses, the Capital One Venture X Business pairs premium travel benefits with a simple, unlimited 2x earning rate on everyday company purchases.
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Overview
High-volume business purchases
Capital One and Priority Pass lounge access
Annual portal travel bookings
The Capital One Venture X Business easily offsets its $395 annual fee for companies that can leverage its recurring travel credits and meet its large spending requirements. Primary cardholders receive a $300 annual credit for bookings made through Capital One Business Travel, along with complimentary access to Capital One Lounges and Priority Pass locations worldwide.
This card delivers outstanding value for established business owners who spend heavily and travel frequently, though smaller businesses may struggle with the steep spending requirement for the welcome bonus.
Welcome Offer
once you spend $30,000 in the first 3 months from account opening
Est. Value
$2,175
Required Spend
$30,000
Time Frame
3 Months
Est. Value
$2,175
Required Spend
$30,000
Time Frame
3 Months
Earning
Cardholders earn flexible Capital One miles on every transaction, featuring accelerated rates when booking travel through the Capital One portal alongside a high flat rate on all other company purchases.
Hotels (Capital One Business Travel), Rental Cars (Capital One Business Travel)
Flights (Capital One Business Travel), Vacation Rentals (Capital One Business Travel)
Every Purchase
Rewards percent based on a valuation of 1.45¢ per Capital One mile
Annual Credits & Perks
A suite of premium travel perks, annual statement credits, and complimentary lounge passes help reduce trip expenses and offset the card's recurring annual cost.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
Global Entry & TSA PreCheck®Benefits
Extended warranty
Get free additional warranty and protection on eligible items you purchase with your card.
Cell phone protection
Protect your cell phone every time you pay your bill. If it’s stolen or damaged, you’ll get reimbursed up to $800. Certain terms, conditions and exclusions apply.
Benefits
Priority Pass™ Lounges
Venture X Business primary cardholders can enjoy complimentary access to 1,300+ lounges worldwide from Priority PassTM. For more details, see Terms & Conditions. To access Capital One Lounges, eligible cardholders must present their physical Venture X Business card or digital lounge pass, found within the Capital One Mobile app. Access is not guaranteed and is subject to space availability. In order to access Priority Pass lounges, eligible cardholders will need to enroll after card activation. To learn more about lounge access policies, please visit the applicable Terms and Conditions for additional details.
Capital One Lounges and Landing
Recharge with luxurious, all-inclusive amenities at Capital One Lounges and Landing, like working spaces, high-speed Wi-Fi and locally inspired food to savor. To access Capital One Lounges, eligible cardholders must present their physical Venture X Business card or digital lounge pass, found within the Capital One Mobile app. Access is not guaranteed and is subject to space availability. In order to access Priority Pass lounges, eligible cardholders will need to enroll after card activation. To learn more about lounge access policies, please visit the applicable Terms and Conditions for additional details.
Capital One Lounge guest access
Through January 31, 2026, Venture X Business primary cardholders enjoy complimentary lounge guest access. Beginning February 1, 2026, spend $75,000 total across your Venture X Business account per calendar year to unlock complimentary guest access to Capital One Lounges. Access is not guaranteed and is subject to space availability. Terms and conditions apply. Select “Learn more” below for more information.
Premier Collection
Elevate your stay at luxury hotels, resorts, and vacation rentals from the Premier Collection with a $100 experience credit, daily breakfast for 2 (hotels and resorts only), and other premium benefits on every stay. In addition, earn 10X miles on Premier Collection hotel bookings and 5X miles on vacation rentals through Capital One Business Travel.
Hertz President's Circle® status
Enjoy enhanced benefits with a complimentary upgrade to Hertz President's Circle® status—just for being a Venture X Business cardholder. Skip the rental counter and enjoy a wider selection of cars. Terms apply.
Benefits
Price match guarantee
If you book your trip through Capital One Business Travel and then find a better price on another site within 24 hours, let us know and you’ll get a travel credit for the difference.
Airport Butler discount
Get a $75 discount every time you book airport meet and greet services with Airport Butler. Receive dedicated airport assistance exactly when you need it throughout your journey - your personal Airport Butler concierge can greet you curbside or at your gate, help navigate the busy terminal and stay by your side until your departure. Terms apply.
Eligibility
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$395
Purchase APR
25.74%
Variable
Foreign Transaction Fee
None
Balance Transfer
None
Cash Advance
$5
Late Payment
None
MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.
MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit
Once you spend $30,000 in the first 3 months
Annual Fee
$150
Rec. Credit
Excellent
Earn 100,000 Miles
Worth $1,450
Once you spend $10,000 on purchases within the first 3 months from account opening
Annual Fee
$95
Rec. Credit
Excellent
Earn a $1,000 cash bonus plus for a limited time, earn a $250 Capital One Business Travel credit
When you spend $10,000 within 3 months of account opening
Annual Fee
$0 intro for first year; $95 after that
Rec. Credit
Excellent
