Venture X Business card

While it’s been in branch for a while, we finally can grab a Venture X Business Card online.

I’ll get into the differences between the Venture X and Venture X Business that I’ve been able to ascertain, but I think the first question everyone wants to know is: What’s the offer?

Venture X Business Card – Early Spend Bonus Offer

The “early spend bonus” on this card for its online launch is 150,000 Capital One Miles once you spend $30,000 in the first 3 months from account opening. You can get that offer here.

Venture X Business card

How the Venture X Business Earns Miles

Like the personal version of the card, you’ll get:

  • 10X Capital One Miles on hotels and rental cars when booked via Capital One Travel
  • 5X Capital One Miles on airfare booked via Capital One Travel – which utilizes Hopper.
  • 2X Capital One Miles on everything else

Capital One Venture X Business Credit Card Benefits

One big difference between this card and the Venture X is that this is a Pay in Full card (balance due in full each month) with no preset spending limit. So you can expect to be able to put a ton of spend on the card.

Besides that, you’ll notice it basically looks like Venture X, but it is missing a few perks. There’s no Hertz President’s Club status. I’m also not yet sure what the car rental CDW and travel protections look like. The personal card is a Visa Infinite but this is a Business card and benefits can vary. So I’m going to omit those details until I can confirm.

Another difference is that Authorized Users can be added for no fee but they do NOT get their own Priority Pass membership.

You won’t be eligible if you already have a Spark Cash Plus, but other than that, most people should be eligible. 

This card will not report to your personal credit, just like the Spark Cash Plus doesn’t.

What you will get:

  • Up to a $300 credit annually (cardmember year, not calendar year) for bookings made on Capital One Travel
  • 10,000 bonus miles every account anniversary (equal to $100 towards travel)
  • Unlimited access to including Capital One Lounges and their Partner Lounge Network including Plaza Premium and Priority Pass. Like the personal card, you won’t have access to Priority Pass “Experiences” such as airport restaurants.
  • When using airport lounges, members (and authorized users) can bring in two guests to Plaza Premium and Capital One lounges as well as unlimited guests for Priority Pass lounges.
  • Up to $100 in statement credits for either TSA PreCheck or Global Entry
  • Authorized Users can be added for no fee but they do NOT get their own Priority Pass.
  • No foreign transaction fees
  • Book a stay at luxury hotels and resorts from the Premier Collection and get a $100 experience credit and other premium benefits on every booking

Miles can be used to book travel at a penny per point or can be transferred to all Capital One airline and hotel partners:

Capital One Miles
Transfer RatioExpected Transfer Time
Air Canada (Aeroplan)1:1Instant
Air France / KLM Flying Blue1:1Instant
Avianca Lifemiles1:1Instant
British Airways Avios1:1TBD
Cathay Pacific Asia Miles1:1Nearly instant
Choice Hotels1:11 day
Emirates Skywards1:1Instant
Etihad Guest1:11-2 days
Qantas1:11-2 days
Singapore Airlines KrisFlyer1:11-2 days
TAP Air Portugal1:1TBD
Turkish Airlines Miles&Smiles1:1TBD
Wyndham Rewards Hotel Program1:1Instant
EVA2:1.51-2 days
Accor Live Limitless (ALL) Hotel Program2:11-2 days
Virgin Red1:1TBD

Bottom Line

This card is for the same target audience as the Spark Cash Plus, business owners with high spend. The difference is that this card comes with a higher annual fee, but a lower net annual fee. As well, this card earns miles which can only be cashed out “like cash” for travel, whereas the Spark Cash Plus earns straight up cash.

As with the personal Venture X, using the $300 portal credit and the 10,000 points worth $100 in travel nets the annual fee out to negative $5, so on that alone this is a better deal than the Spark Cash Plus – again, assuming you want Miles.

If you want to support MilesTalk when you apply, please use this link.

Capital One Venture X Business Card
Capital One Venture X Business Card:Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening Get This Offer


Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group. And don't forget to follow me on Instagram for all sorts of tips on miles, points, credit cards, and travel.

If this post helped you, please consider sharing it!

You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.



Please enter your comment!
Please enter your name here