Capital One Venture X Business
150,000 miles after you spend $30,000 in 3 months. $395 a year.
- Welcome offer
- Issuer's pagecapitalone.com
“Earn 150,000 bonus miles when you spend $30,000 in the first 3 months, which is equal to $1,500 in travel.”
- Annual fee
- Issuer's pagecapitalone.com
“$395 annual fee”
- Foreign transaction fee
- Issuer's pagecapitalone.com
The source states this figure; we have no exact sentence on file yet.
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 | −$155 | −$155 |
| Typical spender | $260 | $260 |
| Heavy spender | $1,535 | $1,535 |
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 $30,000 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 70% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
150,000 miles
After you spend $30,000 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$10,000 a monthfor 3 months
Tracking sinceSep 29, 2026history will chart every change
How you earn · Capital One Rewards
- 10× milesHotels booked through Capital One Business Travel
- 10× milesRental cars booked through Capital One Business Travel
- 5× milesFlights booked through Capital One Business Travel
- 5× milesVacation rentals booked through Capital One Business Travel
- 2× milesEverything else
Rates and fees
| Annual fee | Issuer's pagecapitalone.com “$395 annual fee” |
|---|---|
| Late payment | Issuer's pagecapitalone.com “Pay at least the minimum payment amount by your payment due date, otherwise you’ll be charged a 2.99% late fee.” |
| Foreign transactions | Issuer's pagecapitalone.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Capital One Business Travel credit: $300 annual
- Global Entry or TSA PreCheck statement credit: $120 every 4 years
- Up to $120 statement credit for Global Entry or TSA PreCheck, one statement credit per account every 4 years
- Access to Capital One Lounges and Landings
- Priority Pass enrollment with access to more than 1,300 lounges worldwide
- Hertz President’s Circle status
- 10,000 bonus miles every year starting on the first anniversary
- Premier Collection hotel, resort and vacation rental bookings include a $100 experience credit and other premium benefits
- Premier Collection hotel bookings include daily breakfast for two, complimentary Wi-Fi, and when available, room upgrades, early check-in and late checkout
- Premier Collection and Lifestyle Collection vacation rental bookings include complimentary Wi-Fi and when available, early check-in and late checkout
- Complimentary access to an all-in-one business travel management solution
- No foreign transaction fees
- Free employee and virtual cards
- Customized employee-card spending limits
- Account manager access
- $0 fraud liability
- Security alerts for potential suspicious transactions
- Purchase records downloadable in multiple formats
- Virtual cards
- Accounts payable tools
- Expense management tools
- Flexible spending capacity with no preset spending limit
- Choice of monthly payment due date
- Automatic payments and year-end spending summaries
- Dedicated guidance may be available for eligible businesses
- Extended warranty
Questions
- What is the annual fee?
- $395 capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. capitalone.com, since Sep 29, 2026
- Is there a welcome bonus?
- 150,000 miles after $30,000 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 with fees over $300
- Venture X RewardsCapital One · $395 a year−$55 a year
- Delta SkyMiles PlatinumAmerican Express · $350 a year−$200 a year
- United QuestChase · $350 a year−$255 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).