You’re a business owner. You’ve got expenses. You’ve got travel plans. You’ve got dreams of sipping champagne in a lounge while your inbox politely ignores you.
And you’ve probably heard a LOT about the Capital One Venture X Business.
Maybe from a smart business traveler. Maybe from that one friend who won’t stop talking about points (but not us, though…never us).
Well, it’s time to settle this once and for all: Is the Venture X Business the move for your business?
Spoiler alert: Yes! But let’s break it down anyway.
With Capital One Business Rewards, you can book travel or wipe past travel purchases from your statement at a rate of 1 cent per mile—meaning the welcome offer alone can offset $1,500 in travel (yes, even after the fact).
That’s an easy yes for any business owner who has to (or gets to) travel.
And if you know how to transfer Capital One Miles to airline and hotel partners (at a 1:1 ratio), that $1,500 could easily turn into a business-class flight worth $5,000 or more.
Needless to say, the $395 should not be your biggest concern.
Here’s everything we’ll dive into:
Pros and Cons
Let’s get into it, shall we?
Pros:
10x miles on hotels and rental cars booked through Capital One Travel
5x miles on flights booked through Capital One Travel
Unlimited 2x miles on everything else
Unlimited access to Capital One Lounges
Complimentary Priority Pass lounge access
Up to a $120 credit for Global Entry or TSA PreCheck
$300 annual travel credit for Capital One Travel
10,000-mile anniversary bonus (aka, a free $100 in travel every year)
No preset spending limit
Cons:
A semi-large annual fee (but, as we’ll discuss, you’re coming out ahead)
Why We Love the Venture X Business
Let’s talk business.
The biggest advantage of this card? You can use miles to offset ANY travel expense.
Hotels? ✅
Flights? ✅
Uber rides? ✅
That last-minute rental car because you forgot about your meeting? ✅
Most cards force you into their specific travel portals, but this one lets you redeem miles for any past travel expense—which is huge for business owners who don’t always book travel the same way.
And yes, the annual fee might look scary, but let’s do some quick business math:
10,000-mile anniversary bonus = $100 in travel
$300 annual travel credit = $300 in travel
Global Entry/TSA PreCheck credit every 4 years = $30/year
That’s $430 in yearly benefits for a $395 annual fee—meaning this card literally pays for itself before you even factor in the insane earning rates and travel perks.
Oh, and did I mention free Priority Pass access for you AND four authorized users?
Still worried about the fee? You shouldn’t be!
Why No Preset Spending Limit is a Game-Changer
If there’s one thing business owners know, it’s that expenses don’t always come in predictable amounts.
That’s where the Venture X Business’s no preset spending limit comes in.
Unlike traditional business credit cards, which cap your spending at some specific number, this card adjusts dynamically based on your business needs. That means:
More flexibility for big purchases
No scrambling for credit limit increases when a major expense pops up
More rewards earned—because every purchase still racks up 2x miles, minimum
So, if your business is growing (or you just like having the freedom to make big moves), this feature alone makes the Venture X Business a smart move.
To Wrap Things Up
The fact of the matter is this:
If you run a business and travel (or plan to), you should consider the Venture X Business.
The ability to offset any travel purchase with miles makes this card super sweet.
Trust us on this one, friends! ✈️
