How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.The Capital One Venture X Business is worth it for business owners who spend a lot and like to travel. It offers plenty of benefits for those who frequently travel, for a relatively modest annual fee. This includes airport lounge access, Global Entry reimbursement and the ability to use your miles on flights, hotels, vacation rentals and more, with no restrictions or blackout dates. It lets you transfer miles to more than 15 airline and hotel loyalty programs. It also offers a $300 annual credit for bookings through Capital One’s travel booking site that can cover most of the annual fee.
However, while you can earn a hefty sign-up bonus, the bonus requires a healthy spending commitment, so it may only be worthwhile for business owners with large budgets. Also, it’s a charge card, which means you cannot carry a balance month to month with it. Furthermore, Capital One doesn’t partner with any major U.S. airlines, which may make it challenging to transfer miles. Those looking for simpler point rewards options may be better off searching for cards with American Express Membership Rewards and Chase Ultimate Rewards®.
We estimate that the card’s benefits are worth more than $7,000 in the first year:
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | |
|---|---|---|---|---|---|
Capital One Venture X Business
 Apply Now
on Capital One's secure site Rates & Fees |
150,000 miles
150,000 Miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months
| 2X - 10X Miles
| $395 |
Apply Now
on Capital One's secure site Rates & Fees |
|
Capital One Venture X Rewards Credit Card
Apply Now
on Capital One's secure site Rates & Fees |
75,000 miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
| 2X - 10X miles
| $395 |
Apply Now
on Capital One's secure site Rates & Fees |
|
Ink Business Preferred® Credit Card
Apply Now
on Chase's secure site Rates & Fees |
90,000 points
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
| 1x - 3x points
| $95 |
Apply Now
on Chase's secure site Rates & Fees |
|
The Business Platinum Card® from American Express
|
150,000 points
Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
| 1X - 5X points
| $695 |
Sign-up bonus: 4.9 out of 5 stars
Current offer:
150,000 Miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months
How does it compare to other cards?
This is one of the largest sign-up bonuses you can currently earn. The sign-up bonus alone can get you a lot of travel, though the spending requirement is much steeper than usual. If you are a business owner with a lot of ongoing spending, the return on your spending is also quite good, since you’ll be earning double miles on purchases and Capital One miles are quite valuable.
→ See the best credit card sign-up bonuses.
Earning miles: 5 out of 5 stars
How many miles can you earn?
2 Miles per dollar on every purchase; 5 Miles per dollar on flights and vacation rentals booked through Capital One's travel booking site; 10 Miles per dollar on hotels and rental cars booked through Capital One's travel booking site
How does it compare to other cards?
The Capital One Venture X Business is one of the most rewarding cards for business travel that you can get. With Capital One miles being quite valuable coupled with the fact that you’ll earn double miles on purchases, you’ll likely come out ahead of most other business cards.
Estimated rewards earned per $1 spent*
Redeeming miles: 4.5 out of 5 stars
How easy are miles to redeem?
+ Miles don’t expire for the life of the account.
+ You can redeem any number of miles to cover a travel purchase.
+ You can also transfer miles to more than 15 hotel and airline partners.
– Capital One’s transfer partners mostly consist of foreign airlines, with no major U.S. airlines.
– Cash back redemptions have a low value
How does it compare to other cards?
Capital One offers great flexibility with miles, since you can redeem for practically any travel purchase. You can also boost the value of your miles by strategically transferring them to travel loyalty programs. However, keep in mind that Capital One’s partners mostly include foreign airlines. So while you can still get value (and even use your miles to fly domestically), you’ll have to do a little more legwork compared to Amex and Chase points. You’ll also want to be aware that cash back redemptions with Capital One have a very low value.
→ Learn more about redeeming Capital One miles
Other benefits: 4 out of 5 stars
How does it compare to other cards?
The Capital One Venture X Business is one of the best all-around values for travel. It offers top-tier luxury travel benefits for a fairly reasonable annual fee (see rates & fees). It’s also one of the most affordable options for Priority Pass access, if you use the $300 travel credit to recoup part of the annual fee.
That said, if you wish to go all in on luxury travel perks, you should check out The Business Platinum Card® from American Express.
→ See the best credit cards for airline lounge access
If you’re not a business owner, or if you’re looking for a card that you’re not required to pay off in full each month, you may consider the Capital One Venture X Rewards Credit Card card instead.
On the downside, it doesn’t come with airport lounge access or many other luxury benefits. If you’re looking for benefits beyond rewards and travel insurance, the Capital One Venture X Business is better.
It includes more than $1,000 in value worth of travel and business credits that can help cancel out the high fee (see rates & fees). You’ll get automatic elite status in several travel programs upon enrollment, including Marriott Bonvoy Gold status** and Hilton Gold status**. Plus, Amex has a larger set of travel partners than Capital One, making it a winner for transferring and maximizing points.
The Capital One Venture X Business card is one of the best values you can get for travel if you are a business owner. It has an extremely high sign-up bonus worth thousands of dollars, a strong value for earning on everyday spending and outstanding benefits, all for a reasonable annual fee (see rates & fees). If you’re a business owner who likes to travel and can meet the spending requirements for the sign-up bonus, you’ll definitely want to consider signing up for this card.
If you’re not sure if this is the right card for you, consider one of our alternate cards above.
Apply Now
We use calculations to estimate the value of each card for the average cardholder, based on LendingTree and U.S. Bureau of Labor Statistics data.
Capital One recommends the Capital One Venture X Business for business owners with excellent credit. While Capital One does not disclose approval requirements, you’ll likely need a high income and a strong credit history. Some reports from other consumers have also reported having trouble being approved for Capital One credit cards, even with a high income and excellent credit.
Capital One Venture X Business primary cardholders enjoy complimentary access to the Capital One airport lounge network. This includes the full-size Capital One lounges and the Partner Lounge Network.
The Capital One Venture X Business doesn’t have a preset credit limit because it is a charge card. According to Capital One, the card adapts to your needs based on spending behavior, payment history and credit profile.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Capital One Spark Miles Select for Business has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
