Our illustration in the card’s colours, not its design
Capital One credit card
Capital One Venture Business
- APR up · 24.49% to 24.74% · Oct 8, 2026
$95 a year. 100,000 miles after you spend $10,000 in 3 months. Purchase APR 24.74%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · capitalone.com
“Earn 100,000 bonus miles when you spend $10,000 in the first 3 months”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · capitalone.com
“$95 annual fee”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · capitalone.com
“24.74% variable APR”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · capitalone.com
“No foreign transaction fees”
Select an underlined figure to see where it comes from.
Capital One’s terms
Welcome offer
100,000 miles
After you spend $10,000 on purchases in your first 3 months.
- Spending it takes
- $3,333 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
This bonus may not be available for existing or previous Capital One Business card holders.
- Larger than about 75% of the 4 other miles bonuses we track.
Who can get it: Current or past cardholders may not get the bonus.
“This bonus may not be available for existing or previous Capital One Business card holders.”
The issuer’s terms, from its page, as of Nov 1, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $145 | $145 | |
| Typical spender | $505 | $505 | |
| Heavy spender | $2,335 | $1,335 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢; welcome bonus needs $10,000 in 3 months.
$145a year
The same in the first year and after.
Rewards and credits$240
You keep $145−$95 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; welcome bonus needs $10,000 in 3 months.
$505a year
The same in the first year and after.
Rewards and credits$600
You keep $505−$95 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢; welcome bonus needs $10,000 in 3 months.
$1,335a year
$2,335 the first year, with the welcome bonus.
Rewards and credits$1,430
You keep $1,335−$95 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 95% of the 732 cards we track.
- Lower top APR than about 85% of the 163 cards on our Sign-up bonuses list (see the list).
- Lower annual fee than about 25% of the 171 cards on our Sign-up bonuses list (see the list).
Other miles cards with fees up to $100
- Venture Rewards TravelCapital One · $95 a yearabout the same
- Air France KLM Visa Credit Card From Bank of AmericaBank of America · $89 a year−$90 a year
- Frontier Airlines WorldBarclays · $99 a year−$230 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 5×
- Unlimited 5X miles on hotels booked through Capital One Business TravelUnlimited 5X miles on vacation rentals booked through Capital One Business TravelUnlimited 5X miles on rental cars booked through Capital One Business Travel
- 2×
- Everything else
Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.
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, once every 4 years.
- Hertz Five Star Status; eligible cardholders must enroll through the Benefits Tab link on the Capital One website or mobile app.
All 16 benefits
- Lifestyle Collection benefits, including a $50 experience credit, room upgrades when available, complimentary Wi-Fi, and early check-in and late checkout when available.
- Lifestyle Collection hotel stays booked through Capital One Business Travel earn 5X miles.
- Premier Collection and Lifestyle Collection bookings may include hotel or vacation rental experience credits and other benefits subject to the stated terms.
- No foreign transaction fees on purchases made outside the United States.
- Complimentary access to Capital One Business Travel, an all-in-one business travel management solution.
- Miles may be redeemed through the travel site or used for reimbursement of travel expenses; reimbursement requests must be made within 90 days of purchase.
- Free employee cards, customized employee-card spending limits, account managers, Accounts Payable access, and Expense Management access.
- $0 fraud liability, emergency replacement and cash advance if the card is lost or stolen, security alerts, virtual cards, purchase-record downloads, card lock, AutoPay, year-end summaries, and transaction details.
- Extended warranty and protection on eligible purchases.
- Extended warranty
- Other
Changes
- Oct 8, 2026 APR 24.49% to 24.74%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · capitalone.com “$95 annual fee” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · capitalone.com “24.74% variable APR” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · capitalone.com “No foreign transaction fees” |
Before you apply
- Credit the issuer asks for: Excellent (issuer’s page).
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: Current or past cardholders may not get the bonus.
Questions
- What is the annual fee?
- $95 · capitalone.com, since Oct 21, 2026
- Does it charge a foreign transaction fee?
- No. · capitalone.com, since Oct 21, 2026
- What is the purchase APR?
- 24.74% APR · capitalone.com, since Oct 8, 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 Oct 21, 2026