Venture X Business
Capital One$395 a yearVisa InfiniteNo foreign transaction feeIssuer's page
Wait for a bigger offer if you can: a higher one ran recently.
Already have it? Keep it.
Welcome bonus
150,000miles
after $40,000 in purchases in the first 120 days
Not counted: another 150,000 at $120,000 of total spend within 120 days, more than a typical household spends in that time.
Lower than the 200,000-point offer (advertised up to 400,000 points) we last recorded in January 2026.
48 Month Rule, Card Limit and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus150,000 points at 1.45¢ | $2,175 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$293 |
| Credits you'll likely useof $330 face value | +$192 |
| Annual fee | −$395 |
| Meeting the $40,000 minimumearns 2.9% here, the same as Double Cash | $0 |
| First year | $2,265 |
| Each year after | +$555 |
Not counted in the first year: lounge access, status and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 5X | Flights booked through Capital One Travel | 7.2% |
| 10X | Hotels booked through Capital One Travel | 14.5% |
| 5X | Capital One Entertainment purchases | 7.2% |
| 10X | Rental cars booked through Capital One Travel | 14.5% |
| 2X | Everything else | 2.9% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 5X | Vacation rentals booked through Capital One Travel | 7.2% |
Noteworthy perks
- Capital One Travel$300 a year
- Capital One Lounges
- Hertz Gold Plus Rewards President's Circle (enrollment required)
- Global Entry/TSA PreCheck$30 a year
Business card · Earns Capital One Miles · Authorized user fee $0
Benefits
Credits & Perks (2)
- Capital One Travel: $300 (Annual Cardmember Year)
Annual credit for bookings made through Capital One Business Travel. Credit expires on next account anniversary and can be used in full or in part over multiple purchases.
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
Lounge Access (2)
- Priority Pass Select (Unlimited): 2 free guests, paid guests allowed
- Capital One Lounges (Unlimited): paid guests allowed
Elite status (1)
- Hertz Gold Plus Rewards: President's Circle
Protections (9)
- Travel Accident Insurance, up to $1,000,000, Up to $1,000,000 door-to-door travel accident coverage. Pay for the entire common carrier fare with your card to be eligible for this benefit.
- Trip Cancellation/Interruption, up to $2,000, Up to $2,000 per person for nonrefundable tickets. Pay for the entire fare with your card to be eligible for this benefit.
- Trip Delay, up to $500, Up to $500 per ticket for delays over 6 hours. Pay for a portion of the common carrier fare with your card to be eligible for this benefit.
- Lost Luggage, up to $3,000, Coverage for luggage and contents lost/stolen by common carrier up to $3,000 per person per trip. Pay for a portion of the covered trip with your card to be eligible for this benefit.
- Purchase Protection, up to $10,000, 90 days coverage for damage/theft of eligible purchases
- Extended Warranty, up to $10,000, 1 additional year for warranties of 3 years or less, up to $10,000 per claim and $50,000 per account
- Price Protection, up to $500, Reimburses the difference if an identical item is advertised for less within 60 days of purchase, up to $500 per item and $2,500 per year. Source: Visa Infinite Business Guide to Benefits (Capital One).
- Auto Rental Collision Damage Waiver (primary), Primary coverage for collision damage and theft when the vehicle is rented primarily for business purposes. Pay for the full cost on your card to be eligible for this benefit. Coverage is not available in Israel, Jamaica, the Republic of Ireland, Northern Ireland.
- Cell Phone Protection, up to $800, Up to $800 per claim with $50 deductible, 2 claims and $1,000 per 12-month period. Must pay monthly cell phone bill with card. Source: Visa Infinite Business Guide to Benefits (Capital One).
Other Perks
- 10K bonus miles each year starting at first anniversary
- Premier Collection: $100 experience credit, daily breakfast for two, room upgrades when available, early check-in/late checkout, and complimentary Wi-Fi on hotel bookings through Capital One Business Travel
- Capital One business charge card: no preset spending limit (not unlimited); designed to be paid in full, with an option to carry over a portion of the balance with interest
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from 300K miles + $1.3K Capital One Business Travel credit after $120K spend within first 4 months to 150K miles after $40K spend in first 4 months + additional 150K miles after $120K total spend within first 4 months, plus a $1K Capital One Business Travel credit at the $120K levelOct 21, 2026
- changed from 120000 to 40000Oct 21, 2026
- changed from 150k miles after $30k spend within first 3 months to 300K miles + $1.3K Capital One Business Travel credit after $120K spend within first 4 monthsOct 20, 2026
- changed from 30000 to 120000Oct 20, 2026
- changed from 90 to 120Oct 20, 2026
- changed from null to no_preset_limitOct 11, 2026
- changed from null to Venture X BusinessOct 8, 2026
- changed from Add up to 4 authorized users for free. Lounge access for authorized users requires a $125 annual fee per AU (up to 4 AUs), though adding them to the account remains free. to 0Sep 30, 2026
- changed from null to Adding an authorized user is free. Lounge access for each authorized user is an optional $125 a year.Sep 30, 2026
- changed from null to falseAug 31, 2026
- changed from null to 30000Aug 13, 2026
- changed from null to 90Aug 13, 2026