Capital One
Capital One Venture X Business
Capital One Venture X Business costs $395 annual fee and earns up to 2× on everyday spending. It also carries $100 of statement credits a year, which is where a lot of its real value sits. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Capital One Venture X Business returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $395 annual fee
- Best earn rate
- 2× everyday spending
- Points value
- 1.8000000000000003¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- 150,000 points
- About $2,700 if you redeem at 1.8000000000000003¢ a point, and only if you clear the spending requirement.
- Credits a year
- $100
- What the calculator counts, after discounts for perks most people do not use in full.
- Foreign transaction fee
- none
What the Capital One Venture X Business earns
Hotels and rental cars through the issuer's travel site
10×
Only through the issuer's portal
Flights through the issuer's travel site
5×
Only through the issuer's portal
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 10× | Only through the issuer's portal |
| Flights through the issuer's travel site | 5× | Only through the issuer's portal |
Rates checked with the issuer in October 2026. Spending outside these categories earns 2×. Confirm current terms with the issuer before you apply.
Is the Capital One Venture X Business right for you?
Enter a typical month. You will see what the Capital One Venture X Business returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Capital One Venture Business Top for your numbers
1× everything else. $95 annual fee.
Rewards $903 · Fee −$95
+$808
+$677
+$573
+$508
How we estimate
- Every rate on this page comes from the card catalog. Capital One Venture X Business pays 2× on spending outside the bonus categories listed above, and up to 2× on everyday spending.
- We value this card's points at 1.8000000000000003¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"capital-one-venture-x-business","name":"Capital One Venture X Business","fee":395,"cpp":0.018000000000000002,"base":2,"credits":100},{"key":"capital-one-venture-business","name":"Capital One Venture Business","fee":95,"cpp":0.018000000000000002,"base":2,"credits":50},{"key":"capital-one-ventureone-business","name":"Capital One VentureOne Business","fee":0,"cpp":0.018000000000000002,"base":1.5},{"key":"amex-business-gold","name":"Amex Business Gold","fee":375,"cpp":0.02,"base":1,"earn":[{"inputs":["dining"],"rate":4},{"inputs":["gas"],"rate":4},{"inputs":["transit"],"rate":4}],"credits":540}]}What comes with it
Welcome bonus
150,000 points
About $2,700 if you redeem at 1.8000000000000003¢ a point, and only if you clear the spending requirement.
Points and partners
Capital One Miles
Transferable to airline and hotel partners.
Airlines
Aeromexico, Air Canada, Air France-KLM, Avianca, British Airways, Cathay Pacific, Emirates, Etihad, EVA Air (2:1.5), Finnair, JetBlue (2:1.2), Qantas, Singapore Airlines, TAP Air Portugal, Turkish Airlines, Virgin Redhttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=You%20can%20transfer%20miles%20from,miles%20or%201%2C000%20hotel%20points
Hotels
Accor (2:1), Choice Hotels, Wyndhamhttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=You%20can%20transfer%20miles%20from,miles%20or%201%2C000%20hotel%20points
Credits and perks
| Credit | Sticker value | Counted |
|---|---|---|
| Priority Pass and Capital One Lounges Counted at $100 because most people do not use the full $469. Priority Pass costs up to $469 a year on its own, but most people visit a few lounges a year and many already hold another card with it, so it counts as $100 and only once per wallet. | $469 | $100 |
Sticker value is the full face amount. Counted is what the calculator credits, which is lower where most people do not use the perk in full.
Where this data came from
Checked capitalone.com 2026-10-05. $395 annual fee. 150,000 miles after $30,000 in 3 months. 2x miles on everything, 5x on flights and vacation rentals and 10x on hotels and rental cars through Capital One Travel. The Global Entry credit rose from $100 to $120; the Venture X product page still shows a stale $100. A limited-time three-year anniversary offer of 300,000 miles and $1,300 of business travel credit after $120,000 in the first 4 months is not modeled because it expires.
FAQ
The Capital One Venture X Business charges $395 a year. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use.
2× on everyday spending, and 2× on spending outside its bonus categories.
It depends on your mix, not the card. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use. It also carries $100 of credits we can count, but only count them if you would spend that money anyway. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 150,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 1.8000000000000003¢ a point that is about $2,700, before you count the annual fee and whether you would clear the spending requirement for it.
Yes. It earns Capital One Miles, which you can transfer to the partners below. Airlines: Aeromexico, Air Canada, Air France-KLM, Avianca, British Airways, Cathay Pacific, Emirates, Etihad, EVA Air (2:1.5), Finnair, JetBlue (2:1.2), Qantas, Singapore Airlines, TAP Air Portugal, Turkish Airlines, Virgin Redhttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=You%20can%20transfer%20miles%20from,miles%20or%201%2C000%20hotel%20points. Hotels: Accor (2:1), Choice Hotels, Wyndhamhttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=You%20can%20transfer%20miles%20from,miles%20or%201%2C000%20hotel%20points. Transfers are what make a 1.8000000000000003¢ valuation reachable; using the points for cash back is worth far less.
No. The Capital One Venture X Business charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.