Capital One Venture Business
100,000 miles after you spend $10,000 in 3 months.
- Welcome offer
- Issuer's pagecapitalone.com
“Earn 100,000 bonus miles when you spend $10,000 in the first 3 months”
- Annual fee
- Issuer's pagecapitalone.com
“$95 annual fee”
- Purchase APR
- Issuer's pagecapitalone.com
“24.49% variable APR”
- Foreign transaction fee
- Issuer's pagecapitalone.com
“No foreign transaction fees”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $145 | $145 |
| Typical spender | $505 | $505 |
| Heavy spender | $2,225 | $1,225 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢; welcome bonus needs $10,000 in 3 months.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 95% of the 650 cards we track.
- Lower top APR than about 80% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
100,000 miles
After you spend $10,000 on purchases in your first 3 months.
This bonus may not be available for existing or previous Capital One Business card holders.
Spending it takes$3,333 a monthfor 3 months
Tracking sinceSep 29, 2026history will chart every change
How you earn · Capital One miles
- 5× milesHotels, vacation rentals, and rental cars booked through Capital One Business Travel
- 2× milesEverything else
Rates and fees
| Annual fee | Issuer's pagecapitalone.com “$95 annual fee” |
|---|---|
| Purchase APR | Issuer's pagecapitalone.com “24.49% variable APR” |
| Foreign transactions | Issuer's pagecapitalone.com “No foreign transaction fees” |
Carrying a balance? See how long it takes to pay off
Benefits
- Capital One Business Travel credit: $50 annual
- Advertising or software merchant statement credit: $50 annual
- Global Entry or TSA PreCheck credit: $120 every 4 years
- Up to $120 statement credit for Global Entry or TSA PreCheck, one statement credit per account every 4 years.
- Hertz Five Star Status; eligible cardholders must enroll through the Benefits Tab link in the Capital One website or mobile app.
- Lifestyle Collection benefits, including a $50 experience credit, room upgrades when available, complimentary Wi-Fi, and early check-in and late checkout when available.
- Premier Collection and Lifestyle Collection hotel bookings may include daily breakfast for two for Premier Collection bookings, complimentary Wi-Fi, room upgrades when available, early check-in, and late checkout.
- Flexible miles redemption through Capital One's travel site, reimbursement for travel expenses made with the card, or transfer to participating partners.
- Complimentary access to Capital One Business Travel, an all-in-one business travel management solution.
- No foreign transaction fees on purchases made outside the United States.
- $0 fraud liability, emergency replacement, and cash advance if the card is lost or stolen.
- Security alerts, purchase record downloads, virtual cards, Accounts Payable, and Expense Management tools.
- Free employee cards, customized employee-card spending limits, and account manager access.
- Account management features include choosing a due date, transaction details, recurring transaction views, automatic payments, and year-end summaries.
- Online and mobile-app account access, card lock, fraud and security alerts, and customer support.
- Extended warranty
Questions
- What is the annual fee?
- $95 annual fee capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. capitalone.com, since Sep 29, 2026
- What is the purchase APR?
- 24.49% APR capitalone.com, since Sep 29, 2026
- Is there a welcome bonus?
- 100,000 miles after $10,000 in purchases in 3 months. capitalone.com, since Sep 29, 2026
- What credit do you need?
- Excellent capitalone.com, since Sep 29, 2026
Other miles cards
- TD Bank First ClassTD Bank · −$185 a year
- Frontier Airlines WorldBarclays · −$230 a year
- Citi / AAdvantage Platinum Select World Elite MastercardCiti · −$245 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).