Card Review: Capital One Venture X Business Card

If you’re looking for a business card that pulls serious weight in both everyday earning and luxury perks, the Capital One Venture X Business deserves a spot on your radar. It’s one of the most compelling cards out right now, especially if you can meet the minimum spend requirement

The Welcome Bonus

Let’s start with the headline perk: 150,000 bonus miles after spending $30,000 in the first 3 months.

$30,000 is a big number. I would only suggest considering this card if you can confidently hit that threshold (without unnecessarily splurging). But if you can, the payoff is massive. I value Capital One miles at ~1.8 cents each when transferred to airline partners, which means this bonus alone can easily be worth $2,500+ in travel.

Annual Fee vs. Value

The annual fee is $395 — which sounds steep until you factor in the built-in credits:

• $300 annual travel credit (when booking through Capital One Travel)

• 10,000 anniversary miles (worth at least $100 toward travel, likely more if you transfer to an airline or hotel partner)

That’s at least $400 in value back every single year, just for keeping the card open. In other words, your fee is offset before you even touch the rest of the perks.

Travel Perks You’ll Actually Use

This card leans luxury without being overcomplicated:

• Airport lounge access (Capital One Lounges + Priority Pass)

• Global Entry or TSA PreCheck credit (up to $120)

• Strong travel insurance coverage

• No foreign transaction fees (a must for international trips)

For a mid-tier fee card, these are perks you’d usually only see on premium $600+ cards.

Everyday Earning

What makes this card shine is the simplicity:

• 2x miles per dollar on every single purchase

• Bonus earning when you book through Capital One Travel (flights, hotels, rental cars)

No complicated categories to track. Just steady, reliable earning that adds up fast.

Who This Card Is Best For

• High spenders or businesses that can hit the $30k in 3 months

• Travel-focused owners who want lounge access, credits, and strong insurance without paying a super-premium fee

• People who value simplicity - 2x on everything means you don’t need to overthink where you’re swiping

If you're not in the market for a card with this high of a minimum spend, you might want to start with this card first.

Final Thoughts: Capital One Venture X Business Card Review

The Venture X Business is one of the strongest business travel cards on the market right now. The welcome bonus alone can fund an international trip in business class. And thanks to the $300 travel credit + 10,000-mile anniversary gift, the annual fee is essentially neutral year after year.

If your business has the spend to qualify, this is a card I’d strongly consider adding to your wallet. If you do apply, I am very grateful if you choose to go through my referral link. Costs you nothing extra, but is a big support to my small business.