VentureOne Business
Capital OneNo annual feeVisa SignatureNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
50,000points
after $4,500 in purchases in the first 3 months
48 Month Rule, Card Limit and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus50,000 points at 1.45¢ | $725 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$57 |
| Annual fee | $0 |
| Meeting the $4,500 minimumearns 2.17% here, the same as Double Cash | $0 |
| First year | $782 |
| Each year after | +$152 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 5X | Hotels booked through Capital One Travel | 7.2% |
| 5X | Rental cars booked through Capital One Travel | 7.2% |
| 1.5X | Everything else | 2.2% |
Business card · Earns Capital One Miles
Benefits
Elite status (1)
- Hertz Gold Plus Rewards: Five Star
Protections (3)
- Purchase Protection, up to $10,000, Will replace, repair, or reimburse for eligible items of personal property up to $10,000 per claim and $50,000 per cardholder within 90 days of purchase in the event of theft or damage
- Extended Warranty, up to $10,000, Extended warranty protection on eligible items for up to 1 additional year on warranties of 3 years or less, up to $10,000 per claim and $50,000 per cardholder
- Auto Rental Collision Damage Waiver (secondary), Coverage for collision damage and theft on eligible vehicle rentals
Other Perks
- Free employee cards with customizable spending limits
- Miles never expire for life of account
- Transfer miles to 15+ airline and hotel partners
The Capital One Venture Business family
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 null to credit_lineOct 11, 2026
- changed from null to VentureOne BusinessOct 8, 2026
- changed from null to trueAug 31, 2026
- addedAug 18, 2026