Points · Visa · $395 annual fee
Last verified 2026-09-09. Review issuer source
Capital One Venture X Business is a $395-a-year points card from Capital One. It earns 2x on every purchase with no categories to track, plus 10x on car rentals booked through Capital One.
On our reference budget of $73,200 a year it earns $1,944, which clears the $395 fee with $1,549 to spare before any credits or perks. The welcome bonus, 150,000 miles after $30,000 in 3 months, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do.
Book through Capital One Travel to earn 5X on flights
Book through Capital One Travel to earn 10X on rental cars
Book through Capital One Travel to earn 10X on hotels
Earn 150,000 bonus miles when you spend $30,000 in the first 3 months, which is equal to $1,500 in travel.
Receive an annual $300 credit for bookings through Capital One Travel.
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
Enjoy unlimited free visits for Venture X Business cardholders.
Get free additional warranty and protection on eligible items that you purchase with your card.
Go through airport security and customs more quickly with Venture X Business. Receive up to a $120 statement credit on Global Entry or TSA PreCheck®
Transfer your miles to any of our 15+ travel loyalty programs.
Receive complimentary membership with your Venture X Business card.
These come from Visa, not from Capital One. Every card on the Visa Infinite tier carries them, so they should not decide between two cards.
When you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.
Your Visa Infinite card entitles you to automatic Platinum Status when you sign up for Troon Rewards®, for 20% saving on golf fees, merchandise and lessons at over 150 golf courses across the United States and world.
When you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
Unlock primetime reservations at some of the hottest restaurants in select cities with OpenTable and your eligible Visa card.
Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
Now you and your traveling companion(s) are protected when traveling in a Rideshare vehicle, such as Uber© or Lyft©, when you pay for your fare with your covered Visa Infinite Business card. Benefits include coverage for the cost to replace or repair personal property that is lost, damaged or destroyed while on a covered trip as well as coverage for accidental death or dismemberment up to the coverage amount on the policy.
This is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets plus you can access 7-day Visa Exclusive Presale opportunities.
Add peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center, 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad. Keep in mind this program provides assistance only. Cardholders are responsible for the cost of any services received.
When you purchase your travel ticket with a covered Visa card and you must cancel or interrupt your trip, this benefit can help reimburse for the non-refundable cost of your passenger fare. This coverage applies to more than air travel. It also can be in place when a covered Visa card is used to purchase a ticket for travel via other forms of eligible transportation, such as a ferry, rail, bus or cruise ship.
Anticipate delays when you purchase air travel with your covered Visa card. With Trip Delay coverage, you can receive up to $500.00 when you’re stuck for more than 6 hours due to a covered hazard such as equipment failure, inclement weather, strike and hijacking/skyjacking.
Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
The Visa Luxury Hotel Collection offers an unparalleled experience with an extraordinary collection of benefits like VIP status, complimentary breakfast daily, an upgrade when available and a special amenity unique to each property.
Book with your Visa Infinite card and get VIP amenities and discounts with Avis, Hertz, and National®.
Diverse events designed to appeal to your spirit of discovery and love of travel, delicious food, drink, and amazing music.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
Capital One Lounge - Enjoy unlimited free visits for Venture X Business cardholders | Priority Pass™ - Receive complimentary membership with your Venture X Buisness card.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Venture X BusinessThis card · 2x on everything | $395 | $1,944 | +$1,549 | 3rd of 752 |
| Spark CashCapital One's most-held other card · 2% on everything | $95 | $1,644 | +$1,549 | 4th of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
