Capital One Venture X Business
- Annual fee
- $395
- Earns
- Capital One miles
- Point value
- 1.85 CPP
- Credits a year
- Up to $420
Welcome offer
Earn 300,000 Capital One miles after you spend $120,000 in 4 months
≈ $5,550 at 1.85 CPP
Earning rates
| Category | Earns | Return |
|---|---|---|
| Travel booked through Capital One Business Travel | 10x | 18.5% |
| Travel | 2x | 3.7% |
| Dining | 2x | 3.7% |
| Groceries | 2x | 3.7% |
| Gas | 2x | 3.7% |
| Everything else | 2x | 3.7% |
Return is what each $1 of spend is worth with points valued at 1.85 CPP.
Credits and benefits
- Annual Travel Credit$300 a calendar year
- Global Entry/TSA PreCheck Credit$120 every 4 years
- Annual 10k MilesIncluded
Up to $420 a year if you use every credit. Track them in the benefits tracker
Lounge access
Primary cardholders get unlimited Capital One Lounge and Landing visits and Priority Pass with 2 free guests per visit ($35 each after that). Capital One Lounge guests cost $45 per adult ($25 ages 2-17) unless the account spends $75,000 in a calendar year (then 2 free guests at Lounges, 1 at Landings); authorized users can get lounge access for $125/year.
Guests
- Capital One: no free guests, then $45 per guest; 2 free after $75,000 of spend in a year
- Priority Pass Select: 2 free guests, then $35 per guest
Transfer partners for Capital One miles
| Partner | Ratio | Transfer time |
|---|---|---|
| Accor Live Limitless | 2:1 | Up to 48 hours |
| AeroMexico | 1:1 | Almost Instant |
| Air Canada Aeroplan | 1:1 | Almost Instant |
| Avianca Airlines | 1:1 | Almost Instant |
| British Airways | 1:1 | Almost Instant |
| Cathay Pacific | 1:1 | Up to 5 days |
| Choice | 1:1 | Up to 24 hours |
| Emirates | 4:3 | Almost Instant |
| Etihad | 1:1 | Up to 36 hours |
| EVA Air | 2:1.5 | Up to 36 hours |
| Finnair | 1:1 | Almost Instant |
| Flying Blue AIR FRANCE KLM | 1:1 | Almost Instant |
| Japan Airlines | 2:1.5 | Almost Instant |
| JetBlue | 5:3 | Almost Instant |
| Preferred Hotels and Resorts | 1:2 | Almost Instant |
| Qantas Airways | 1:1 | Up to 36 hours |
| Qatar Airways | 1:1 | Almost Instant |
| Singapore Airlines | 1:1 | Almost Instant |
| TAP Air Portugal | 1:1 | Almost Instant |
| Turkish Airlines | 1:1 | Up to 24 hours |
| Virgin Atlantic | 1:1 | Almost Instant |
| Virgin Red | 1:1 | Almost Instant |
| Wyndham Rewards | 1:1 | Almost Instant |
Application rules
Business bonus eligibility
Capital One says its business card welcome bonuses may not be available if you have or have had a Capital One business card.
6 month rule
Capital One generally approves only one new card every six months, personal or business, so a recent Capital One approval can lead to a denial.
About the Capital One Venture X Business
The Capital One Venture X Business is a business Visa card from Capital One with a $395 annual fee that earns Capital One miles. It earns 10x on travel booked through Capital One Business Travel and 2x on everything else. The current welcome offer: earn 300,000 Capital One miles after you spend $120,000 in 4 months. It comes with 2 statement credits worth up to $420 a year if you use them all. Cardholders get access to Priority Pass Select, Capital One Lounges and Plaza Premium Lounges. Points transfer to 23 airline and hotel partners, including Accor Live Limitless, AeroMexico and Air Canada Aeroplan. AwardHack values Capital One miles at 1.85 CPP.
Frequently asked questions
What is the Capital One Venture X Business annual fee?
The Capital One Venture X Business has a $395 annual fee. Its statement credits add up to $420 a year if you use all of them.
What is the Capital One Venture X Business welcome bonus?
Earn 300,000 Capital One miles after you spend $120,000 in 4 months. AwardHack values that at about $5,550.
Does the Capital One Venture X Business include airport lounge access?
Yes: Priority Pass Select, Capital One Lounges and Plaza Premium Lounges. Primary cardholders get unlimited Capital One Lounge and Landing visits and Priority Pass with 2 free guests per visit ($35 each after that). Capital One Lounge guests cost $45 per adult ($25 ages 2-17) unless the account spends $75,000 in a calendar year (then 2 free guests at Lounges, 1 at Landings); authorized users can get lounge access for $125/year.
Where can I transfer Capital One miles?
To 23 partners: Accor Live Limitless (2:1), AeroMexico (1:1), Air Canada Aeroplan (1:1), Avianca Airlines (1:1), British Airways (1:1), Cathay Pacific (1:1), Choice (1:1), Emirates (4:3), Etihad (1:1), EVA Air (2:1.5), Finnair (1:1), Flying Blue AIR FRANCE KLM (1:1), Japan Airlines (2:1.5), JetBlue (5:3), Preferred Hotels and Resorts (1:2), Qantas Airways (1:1), Qatar Airways (1:1), Singapore Airlines (1:1), TAP Air Portugal (1:1), Turkish Airlines (1:1), Virgin Atlantic (1:1), Virgin Red (1:1) and Wyndham Rewards (1:1).
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Offers, fees and benefits change often. Check the issuer's site before you apply.