Our illustration in the card’s colours, not its design
Capital One credit card
Capital One Venture X Business
$395 a year. 300,000 miles after you spend $40,000 in 4 months.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · capitalone.com
“Venture X Business Limited Time Offer: Earn up to 300,000 bonus miles and a $1,000 Capital One Business Travel Credit.”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · capitalone.com
“$395 annual fee”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · capitalone.com
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Excellent
Select an underlined figure to see where it comes from.
Capital One’s terms
Welcome offer
300,000 miles
After you spend $40,000 on purchases in your first 4 months.
- Spending it takes
- $10,000 a month
- for 4 months
- Tracking since
- Oct 21, 2026
- history will chart every change
Limited-time offer celebrating 3 years of Venture X Business. Bonuses are available by starting the application from the product page and may not be available for existing or previous Capital One Business card holders. The $1,000 Capital One Business Travel credit is applied to the Capital One Business Travel balance within two billing cycles, can be applied at checkout, and expires 16 months after account opening.
- The highest we’ve seen on this card: above every earlier offer (most recently 150,000 miles until 2026-10-22).
- Larger than about 100% of the 4 other miles bonuses we track.
Who can get it: If you’ve ever had a bonus on this card or one of its family, you can’t get it.
“The bonuses 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 | −$155 | −$155 | |
| Typical spender | $260 | $260 | |
| Heavy spender | $1,535 | $1,535 |
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 $40,000 in 4 months.
−$155a year
The same in the first year and after.
Rewards and credits$240
−$155 after the fee−$395 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 $40,000 in 4 months.
$260a year
The same in the first year and after.
Rewards and credits$655
You keep $260−$395 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 $40,000 in 4 months.
$1,535a year
The same in the first year and after.
Rewards and credits$1,930
You keep $1,535−$395 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¢; welcome bonus needs $40,000 in 4 months.
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 65% of the 732 cards we track.
Other miles cards with fees over $300
- Capital One 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).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 10×
- hotelsrental cars
- 5×
- flightsvacation rentals
- 2×
- Everything else
Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.
Benefits
- Capital One Business Travel credit: $300 annual
- Global Entry or TSA PreCheck statement credit: $120 every 4 years
- Premier Collection hotel experience credit: $100 other
- Premier Collection vacation rental experience credit: $100 other
- Lifestyle Collection hotel experience credit: $50 other
All 19 benefits
- Lifestyle Collection vacation rental experience credit: $50 other
- Up to $120 statement credit for Global Entry or TSA PreCheck® application fee, once every 4 years per account
- Capital One Lounges and Landings (complimentary for the primary cardholder)
- Priority Pass enrollment (more than 1,300 lounges worldwide; enrollment required after card activation)
- Hertz President's Circle® status (enroll via the Benefits Tab link)
- No foreign transaction fees on purchases outside the United States.
- $1,000 Capital One Business Travel credit earned by spending $120,000 in the first 4 months.
- 10,000 bonus miles ($100 value) on each account anniversary.
- Premier Collection and Lifestyle Collection hotel benefits (when booked through Capital One Business Travel): complimentary Wi-Fi, and when available room upgrades, early check-in and late checkout; Premier Collection also includes daily breakfast for two.
- Premier Collection and Lifestyle Collection vacation rental benefits: complimentary Wi-Fi, and when available early check-in and late checkout.
- Flexible miles redemption through the Capital One travel site or reimbursement of travel expenses; transfers to 15+ partners may be available.
- Complimentary employee cards and virtual cards for business use.
- Extended warranty
- Other
Changes
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 “$395 annual fee” |
|---|---|
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · capitalone.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 | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · capitalone.com The source states this figure; we have no exact sentence on file yet. |
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: If you’ve ever had a bonus on this card or one of its family, you can’t get it.
Questions
- What is the annual fee?
- $395 · capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: Zero foreign transaction fees on purchases made outside of the United States. · capitalone.com, since Nov 1, 2026
- Is there a welcome bonus?
- 300,000 miles after $40,000 in purchases in 4 months. · capitalone.com, since Oct 21, 2026
- What credit do you need?
- Excellent · capitalone.com, since Oct 21, 2026