Our illustration in the card’s colours, not its design
Capital One credit card
Capital One VentureOne Business
- APR up · 16.74% to 16.99% · Oct 8, 2026
No annual fee. 50,000 miles welcome bonus. Purchase APR 16.99–22.99%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · capitalone.com
“1.5X miles on every purchase 50,000 bonus miles No annual fee”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · capitalone.com
“$0 ANNUAL FEE”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · capitalone.com
“16.99% - 22.99% variable APR based on your creditworthiness.”
- 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.
Select an underlined figure to see where it comes from.
Capital One’s terms
Welcome offer
50,000 miles
Meet minimum spend requirements; the amount is not stated.
This bonus may not be available for existing or previous Capital One Business card holders.
- Smaller than about 100% 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 | $680 | $180 | |
| Typical spender | $950 | $450 | |
| Heavy spender | $1,490 | $990 |
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¢.
$180a year
$680 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.
$450a year
$950 the first year, with the welcome bonus.
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¢.
$990a year
$1,490 the first year, with the welcome bonus.
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 80% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 85% of the 163 cards on our Sign-up bonuses list (see the list).
Other miles cards with no annual fee
- VentureOne RewardsCapital One · No annual fee−$75 a year
- VentureOne Rewards for Good CreditCapital One · No annual fee−$75 a year
- American Airlines AAdvantage MileUpCiti · No annual fee−$80 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
Capital One miles
How you earn
- 5×
- Hotels, vacation rentals and rental cars booked through Capital One Business Travel
- 1.5×
- Everything else
Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.
Benefits
- Hertz Five Star® Status (enroll in the Hertz® Gold+™ Rewards status upgrade via the Benefits Tab after logging in; Hertz Gold terms and rental qualifications apply)
- Free access to Capital One Business Travel to manage business travel and expenses
- Reimbursement for travel expenses made with the card (request must be made within 90 days of purchase)
- Transfer miles to one of 15+ travel partners (expiry and value subject to receiving loyalty program terms)
- No foreign transaction fees on purchases made outside the United States
All 9 benefits
- Rental car
- Roadside
- Extended warranty
- Other
Changes
- Oct 8, 2026 APR 16.74% to 16.99%
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 “$0 ANNUAL FEE” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · capitalone.com “16.99% - 22.99% variable APR based on your creditworthiness.” |
| 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
- 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?
- $0 · capitalone.com, since Oct 21, 2026
- Does it charge a foreign transaction fee?
- Yes: Pay zero foreign transaction fees on purchases made outside of the United States.. · capitalone.com, since Oct 21, 2026
- What is the purchase APR?
- 16.99–22.99% APR · capitalone.com, since Oct 8, 2026
- Is there a welcome bonus?
- 50,000 miles. · capitalone.com, since Sep 29, 2026