Business travelers rejoice: The *venture x business* (and its huge sign-up bonus) is now available for online applications!
We've long loved the personal version of this card and have anxiously been awaiting the arrival of its business counterpart. Not only does it give business owners an opportunity to earn unlimited 2x Capital One Venture Miles on all business purchases, but it also comes packed with travel benefits for businesses big and small.
So what's all the hype about?
The card comes with an annual $300 travel credit, reimbursement for TSA PreCheck or Global Entry, an anniversary point bonus, and top-notch lounge access. With a modest $395 annual fee, it's almost as if Capital One is paying business owners to get the card.
And if the travel perks aren't reason enough to want the Venture X Business Card, Capital One is sweetening the deal with a welcome offer of 150,000 bonus miles when you spend $30,000 within the first three months of opening the card. This is one of the biggest business card bonus offers we've ever seen so it should come as no surprise that it requires a considerable amount of spending to earn those points. If your business doesn't typically spend $10,000 per month, be sure to look for creative ways to meet the spending requirement responsibly.
If this all sounds good but you don't think your business will qualify, you might be surprised to learn what the banks consider a small business. Odds are if you have any side hustle, do consulting work, or even sell items on Facebook or eBay you'd be eligible.
Read on for everything you need to know about the Capital One Venture X Business Card and its giant welcome offer.
Venture X Business Card Overview
Full Benefits of the Capital One Venture X Business Card
- Welcome Offer: Earn 150,000 Capital One miles after spending $30,000 in the first three months of opening the card.
- $300 Annual Travel Credit: Every year, you get a $300 annual travel credit to use on any flights, hotels, or rental cars booked through the Capital One travel portal.
- Lounge Access: Complimentary access to 1,300-plus lounges in the Priority Pass network and Capital One's lounges in Dallas-Fort Worth (DFW) and Washington, D.C.-Dulles (IAD). Plus upcoming locations in Denver (DEN) and Las Vegas (LAS). Cardholders get two free guests, too.
- Global Entry or TSA PreCheck: Up to $100 in statement credits to sign up for either TSA PreCheck or Global Entry. This credit is good once every four years, and membership in both programs lasts five years.
- Earning More Points: Capital One Venture X cardholders will earn 10x miles on hotels and rental cars and 5x miles on flights booked via the Capital One Travel portal, and an unlimited 2x miles on every dollar spent on all other purchases with the card.
- 10,000 bonus miles: Every year starting in year two, you'll get 10,000 bonus miles after renewing your Venture X Card.
- Annual Fee: $395
Learn more about the *venture x business*.
Annual $300 Travel Credit
Each year of card membership, Venture X Business cardholders will get up to $300 in travel credit to use for Capital One Travel bookings. Just use your card to book flights, hotels, or rental cars through the Capital One Travel portal and you'll automatically get reimbursed on all purchases up to $300.
While we typically steer clear of third-party sites and online travel agencies, Capital One has added some awesome new features to their portal that can turn that logic on its head. Using the annual travel credit that comes with the Venture X Business Card isn't quite as simple as making a purchase and getting it refunded, but with a little effort, you shouldn't have too much trouble putting it to good use.
And best of all, this travel credit goes a long way to offset the card's annual fee. Think of it this way: Do you plan to spend $300 or more on travel each year? Then this card's annual fee isn't $395 – it's more like $95.
Airport Lounge Access
Whether you're traveling for work or heading off on vacation, few things make your travel experience better than having access to an airport lounge. And while you can still get into lounges the hard way – by flying up front on an expensive business or first class ticket or purchasing an airline lounge membership – the Venture X Business Card provides cardholders a far easier path to entry.
Just like the personal version, the Venture X Business Card will get you access to the outstanding Capital One Lounges, Plaza Premium Lounges, and a Priority Pass Select membership to get you into more than 1,300 lounges across the globe.
Up until last week, Capital One had just a single lounge in Dallas (DFW). But after a series of delays, the bank's latest lounge at Washington, D.C.-Dulles (IAD) began welcoming guests and we expect Capital One's third lounge in Denver (DEN) to be opening sometime in the next few months. The only other confirmed Capital One Lounge in the pipeline is slated for Las Vegas (LAS), but an exact timeline for construction and opening hasn't been announced.
And while the personal Venture X card lost access to Priority Pass Restaurants late last year, the Venture X Business will still get you and two guests a dining credit at any Priority Pass Restaurant around the globe. This can be especially useful for domestic travelers as many airports in the U.S. lack a good Priority Pass lounge.
Global Entry or TSA PreCheck Credit
Add the Capital One Venture X Business to the growing list of credit cards offering up to a $100 credit for either TSA PreCheck or Global Entry. Membership in either program is good for five years and Venture X Business cardholders will get to use this credit every four years to ensure they get their renewal done before it expires.
If you plan for any sort of international travel, spring for Global Entry as it automatically includes a TSA PreCheck membership. At just $100, the statement credit provided by the Venture X Business credit card will completely cover your membership cost for as long as you keep the card open.
Taking advantage of this credit is simple. Just use the card when you pay for your application and voilà: Your credit will kick in to cover the entire cost.
10,000 Venture Mile Anniversary Bonus
Each and every year on your account anniversary, you'll receive 10,000 bonus Venture miles after paying your card's annual fee.
These miles are worth a minimum of $100 towards travel – and potentially much more by utilizing the Capital One transfer partners. You won't get this right when you open the card: This benefit starts in your second year and each year after that. This is just another way to get more value out of your Venture X Business card and easily offset the card's annual fee.
If our experience with the anniversary miles on the Capital One Venture X Card is any indication, you can expect this 10,000-mile bonus to be deposited about a month or two after paying your annual fee.
Venture X Business Card Welcome Offer
The Venture X Business card's welcome offer of up to 150,000 Capital One miles is nothing to scoff at – and neither is the amount of spending required to earn that big bonus.
For some small businesses, spending the $30,000 necessary to earn the bonus might seem daunting. But for many others – from restaurants to general contractors – spending $10,000 each month is commonplace. The key here is to not go out of your way to earn the bonus by spending money unnecessarily.
Credit cards are serious business: You should never apply for a credit card if you're already in debt, and never charge more to a credit card than you can afford to pay off immediately. That's especially true when looking at business credit cards with spending requirements as high as this one.
So what can you do with that big of a bonus?
Thanks to the flexibility of Capital One miles, the Venture X Business Card's welcome offer can take you quite far … literally. And since the card earns 2x Capital One miles on all purchases, you'd have at least 210,000 miles upon completing the spending requirement – worth a bare minimum of $2,100 towards travel.
No other bank gives cardholders as many unique ways to use their miles as Capital One. How does a bucket list golf trip to Bandon Dunes, along Oregon's Pacific Coast sound? Or maybe you want to use them to cover an Airbnb Experience while on vacation?
Those are two great options, but you might be able to do even better by transferring your miles to one of Capital One's transfer partners like Virgin Atlantic, and booking business class flights to Europe. Or even use them to set sail on a weeklong Mediterranean cruise.
No matter how you put that big bonus to use, it's a fantastic offer and the possibilities for what you can do with the miles are endless.
Related reading: Why Capital One Miles are Best for Booking Airbnbs & Vrbos
Simply put, the Venture X Business is a must-have card for any business owner – big or small. It's nearly identical to the personal version of the card … and that's a good thing.
Since launching the consumer Venture X nearly two years ago, we've been questioning whether or not it's too good to be true. Now with a business version of the card, Capital One is doubling down on that success and targeting business owners. Specifically business owners with lots of monthly spending.
Sure there are cards out there that offer higher point earning in certain categories, but being able to get unlimited 2x Capital One miles on all purchases is a good thing for most any business owner. The simplicity of earning and redeeming miles with the Venture X Business makes it the perfect card for someone who doesn't have the time (or desire) to maximize every dollar spent.
Most of the time a credit card's big sign-up bonus is the main selling point – and the Capital One Venture X Business definitely comes with a big one. But even without the welcome offer, this is a card that's worth having and holding year after year for the travel perks and benefits alone. These top-notch travel perks make it the perfect one-size-fits-all solution and easily worth paying $395 per year for. And if you're able to earn the card's 150,000-mile sign-up bonus, that's just the cherry on top.
The *venture x business* is now publicly available for applications. With a monster 150,000-mile sign-up bonus, unlimited 2x Capital One mile earning on all purchases, an annual $300 travel credit, excellent lounge access, and much more, this is a card that deserves a spot in the wallet of nearly any business owner.
Learn more about the *venture x business*.