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Annual Fee: $395
Earn 150,000 miles once you spend $30,000 in the first 3 months of account opening.
Earn 150,000 miles once you spend $30,000 in the first 3 months of account opening.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by products. See the respective Guide to Benefits for details, as terms and exclusions apply.
Capital One Rewards are some of the most valuable and flexible when it comes to redeeming for travel. This card offers no preset spending limit, but it's important to note that your balance must always be paid off in full every month. You can also add employee cards for free in order to boost overall earning potential from their transactions. Additionally, you'll get a whole host of desirable travel perks that we would expect to see from a high-end Capital One card.
[.redeem]10x[.redeem] miles per $1 on hotels and rental cars booked through Capital One Travel
[.redeem]5x[.redeem] miles per $1 on flights booked through Capital One Travel
[.redeem]2x[.redeem] miles per $1 on every purchase (yay!)
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by products. See the respective Guide to Benefits for details, as terms and exclusions apply.
🏆 Best for $0 Annual Fee (Business)
🏆 Best for $0 Annual Fee (Business)
Annual Fee: $0
🏆 Best Chase Welcome Offer
🏆 Best Chase Welcome Offer
Annual Fee: $95
Earn 150,000 miles once you spend $30,000 in the first 3 months of account opening.
The Capital One Venture X Business card is a powerhouse for business travelers. Seriously y’all…it’s a game-changer with its high miles earnings and travel perks. While the $395 annual fee might seem hefty, the benefits easily outweigh the cost, especially with the annual $300 travel credit and lounge access. If you’re traveling often for work (or have the means to even own a business card), this is a must-have.
Better yet, Capital One Rewards allows you to book travel or cover travel expenses from the past 90 days at one cent per mile. This means the Venture X Business can cover $1,500 in travel costs, even retroactively! Plus, Capital One Miles can be transferred to various airline programs at a 1:1 ratio. The current offer is 150,000 bonus miles after spending $10,000 in the first 3 months. This offer is valued at just over $2,000, which is incredible. Our team unanimously agrees that the Venture X Business Card is a top pick.
[.pro]Each year, you’ll receive various travel perks and benefits that completely offset the annual fee[.pro]
[.pro]The Venture X Business covers $1,500 on travel[.pro]
[.pro]Capital One Miles can be transferred to various airline programs offering great flexibility for booking reward flights[.pro]
[.con]High annual fee[.con]
[.redeem]10x[.redeem] miles per $1 on hotels and rental cars booked through Capital One Travel
[.redeem]5x[.redeem] miles per $1 on flights booked through Capital One Travel
[.redeem]2x[.redeem] miles per $1 on every purchase (yay!)
When it comes to Capital One Miles, the best way to maximize your miles is to redeem them for travel. And to take it one step further, the Venture X Business card will let you pay for any type of travel with miles. You can use miles to cover any travel purchases made in the last 90 days on your Venture X card, with no minimum amount required.
[.dontreco] We don’t recommend: Turning your Capital One Miles into cash [.dontreco]
With a Capital One rewards card, you earn cash back or miles on every dollar you spend. The amount you earn varies based on the card and how you use it. However, this method simply doesn’t provide the best value.
[.sometimesreco] We sometimes recommend: Booking through Capital One’s portal [.sometimesreco]
Booking travel through Capital One lets you redeem miles at 1 cent each, but you won't earn extra rewards or elite perks. It's better to book directly and then use your miles to cover the cost.
[.alwaysreco] We always recommend: Redeeming your miles for travel [.alwaysreco]
If a flight or hotel room can be bought with cash, you can use your miles to book it. Redeem your miles at 1 cent each for travel purchases made in the last 90 days on your Venture X Business card. This means you could redeem for airlines, hotels, rail lines, car rentals, limousines, buses, cruises, taxis, travel agents, and more. Taking advantage of these $1,500 worth of credits is what makes the Venture X Business so valuable. By redeeming your miles for travel, you’ll absolutely maximize their value.
But how can I actually transfer my Capital One Miles? Transferring your Capital One Miles is a super simple process. Just follow these steps:
Oh yeah, did we mention that the Venture X Business has a pretty nice list of transfer partners? In case you need convincing, here’s that list:
If you’ve been following Daily Drop, you might have heard of ANA’s “The Room.” “The Room” is one of the most luxurious business-class experiences, featuring closing doors, personal catering, and a lie-flat bed. Capital One Miles can be transferred to ANA at a 1:1 ratio, making it an incredible redemption option. Want to learn how? Check out this video 👇
Why? The Capital One Venture card is a stellar personal travel card that pairs beautifully with the Capital One Venture X Business card. The Venture Rewards card earns 2x miles on every purchase, every day, making it an uncomplicated option for personal spending. When used alongside the Venture X Business card, you’re maximizing your rewards on both business and personal expenses without the hassle of managing multiple rewards programs. The Venture Rewards card also comes with a solid welcome offer and offers the same 1:1 transfer ratio to numerous travel partners as the Venture X Business card. This means you can pool your miles from both cards to book even more valuable travel redemptions. Plus, with its low annual fee, the Venture Rewards card is a cost-effective way to complement the premium benefits of the Venture X Business. Together, these cards provide a seamless experience for all your travel and business needs, helping you get the most value out of every dollar spent.
Why? The Ink Business Preferred® is a fantastic companion to the Capital One Venture X Business card for several reasons. With the Ink Business Preferred, you’re looking at a modest annual fee, but the perks and rewards are substantial. This card shines with its 3x points on travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines (on up to $150,000 in combined purchases each account anniversary year). The Capital One Venture X Business card complements this by offering straightforward, high-value rewards across all purchases. The Ink Business Preferred is also known for its solid travel protections and the ability to transfer Chase Ultimate Rewards® points to tons of travel partners, maximizing your redemption value. When you pair this with the Venture X Business’s flexibility in redeeming miles for any travel purchase, you’ve got a powerhouse combo for earning and redeeming rewards efficiently. Plus, the Ink Business Preferred’s high welcome offer can give your points balance a significant boost right from the start, making it an excellent card for business owners looking to boost their travel rewards.
1. The Traveling Business Owner
If your business involves frequent travel, the Capital One Venture X Business Card is a solid choice. Earn 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, and 2x miles on all other purchases. It also comes with unlimited access to Capital One Lounges and Priority Pass lounges, which is freaking awesome. Plus, the $300 annual travel credit and 10,000-mile anniversary bonus more than offset the higher annual fee, making this card a no-brainer for frequent travelers.
2. The High-Spending Entrepreneur
If your business racks up significant monthly expenses, the Venture X Business Card’s earning potential makes it a smart choice. With 2x miles on all purchases, you'll accumulate rewards…like really quickly. This card provides great returns on your investment, especially if your business spends heavily in categories outside of travel. The flexibility to redeem miles for any travel purchase or transfer them to various airline programs at a 1:1 ratio adds even more value, ensuring that every dollar spent works harder for your business.
💡 If you’re turned off by the word “business” being in the card name, check out this article which helped thousands of Daily Drop readers open business cards last year.
Here’s a good rule of thumb: You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is below 670, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Venture X Business Card, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.
An excellent credit score of 740 or higher is recommended for the Venture X Business Card. But again, if you’re in a solid place with your credit and feel you are ready for a new card, don’t let the fear of being rejected keep you from applying. We’ve known several people to be rejected on their first application, use the reconsideration line, and be granted the Venture X Business Card. The worst they can say is “no,” and more often than not, we’ve found these people want to help!
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