Guide to Capital One Business travel credit cards

Capital One currently offers three credit cards for business travelers or those who prefer travel rewards: Venture X Business, Spark Miles and Spark Miles Select. Each card allows you to earn rewards—like bonus miles on business purchases—and comes with enhanced travel benefits for cardholders.

If you travel frequently for business, a travel rewards card may help you save on flights and hotels and may also offer an array of perks designed to enhance your travel experience. Learn more about the different Capital One Business travel cards and how to choose the best one for your organization.

What you’ll learn:

• Venture X Business offers elevated travel benefits like unlimited 2X miles on every purchase, big purchasing power, a $300 annual travel credit, access to airport lounges and more. 

• Spark Miles allows cardholders to earn unlimited 2X rewards on every purchase.

• Spark Miles Select has no annual fee and includes great travel rewards like 1.5X miles on every purchase. 

• All Capital One business travel cards include additional benefits like free employee cards, flexible spending tools and security features to protect your account.

The Capital One Venture X Business card is designed for businesses with excellent credit and more spending needs. For business owners who spend significant time on the road, Venture X Business offers an amazing suite of benefits, including:

• Big purchasing power: Venture X Business is a charge card. It’s a pay-in-full card with no preset spending limit. Your purchasing power adjusts based on factors like your credit profile, payment history and spending behavior. It adjusts as your business grows.

• Elevated travel rewards: With Venture X Business, you earn unlimited 2X miles on every purchase, every day. Plus, you can earn unlimited 10X miles on hotels and rental cars, as well as 5X miles for flights booked through Capital One Travel. 

• A comfortable travel experience: Skip the security lines at the airport. Use your Venture X Business card to pay for the TSA PreCheck® or Global Entry application fee, and you’ll get rewarded with a statement credit of up to $120. Relax away from the crowds in our elite Capital One Lounges, plus enjoy 1,300+ lounges worldwide from Priority Pass. 

• Bonuses and travel credits: Earn 10,000 bonus miles annually, starting on your first anniversary, and receive a $300 annual credit for bookings through Capital One Travel.

• Access to luxury hotels and resorts: Enjoy one-of-a-kind luxury hotels and vibrant deluxe resorts with the Capital One Premier Collection as well as the Capital One Lifestyle Collection. You’ll earn experience credits up to $100 to use on hotel amenities like restaurants and spas, room upgrades when available and the potential to earn 10X miles when you book your stay through Capital One Travel.

It has an annual fee of $395, and the balance must be paid in full each billing cycle. 

Spark Miles is an excellent choice for business owners seeking a travel rewards credit card with straightforward rewards and redemption options. Key benefits of the Capital One Spark Miles card include:

• Enhanced travel rewards: You can earn 2X miles on every business purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel. You’ll also receive a statement credit of up to $120 for TSA PreCheck® or Global Entry, access to the Lifestyle Collection and more. 

• A one-time welcome bonus: New cardholders receive a one-time bonus of 50,000 miles after spending $4,500 within the first 3 months of opening the account. 

• Introductory $0 annual fee: Spark Miles has no annual fee for the first year, then a $95 annual fee applies each year thereafter.

• Flexible redemption options: You can use the miles you’ve earned in a variety of ways—on flights, hotels, vacation packages and more. Or effortlessly transfer miles to any of Capital One’s travel partners.

Spark Miles Select could be the right card for your business if you’re looking for easy-to-manage travel rewards and a variety of additional cardholder benefits. Some of the top features of Spark Miles Select include: 

• No annual fee: For business owners seeking a Capital One business travel card with no annual fee and great rewards, Spark Miles Select could be the right card for you. 

• Unlimited rewards: Spark Miles Select allows you to earn unlimited 1.5X miles on every purchase made for your business, plus 5X miles on hotels and rental cars booked through Capital One Travel.

• 50,000-mile bonus: Once you spend $4,500 within the first 3 months of opening the account, you’ll receive a welcome bonus of 50,000 miles.

• Flexible redemption options: You can use the miles you’ve earned in a variety of ways—on flights, hotels, vacation packages and more. Or effortlessly transfer miles to any of Capital One’s travel partners.

No matter which Capital One travel business credit card you choose, you’ll earn exceptional travel-specific benefits, along with many other advantages specifically designed for business cardholders, including:

• Security features to safeguard your account: Capital One travel business cards come with features like virtual cards for safer payments, fraud alerts that notify you of potential unapproved charges and the ability to lock your card if it’s misplaced or stolen. Plus, $0 fraud liability ensures you won’t be responsible for unauthorized charges.

• Free employee cards: Employee cards are provided at no additional cost, allowing business owners to manage users from anywhere and track purchases in real time or through monthly statements. Plus, every purchase made on an employee card allows you to earn valuable rewards for your business.

• Flexible spending tools for streamlined account management: You can easily pay vendor bills and track payments directly from your Capital One Business account. You can also simplify budgeting with year-end summaries, set up AutoPay to avoid missed payments and choose your own monthly due date. 

If you’re wondering which Capital One travel business card is right for your organization’s needs, here are a few things to keep in mind. 

First, consider your company’s spending habits. How often do you or your employees travel? What type of rewards make the most sense for your business? For example, high-spending companies might benefit from the big purchasing power and premium travel rewards offered by Venture X Business. Meanwhile, startup companies looking to earn cash quickly might prefer a card with an easy-to-achieve welcome bonus, like those provided by Spark Miles and Spark Miles Select. 

You should also understand the card’s terms and conditions, including fees and interest rates. Will your business earn enough rewards to offset an annual fee? Spark Miles Select has no annual fee, while Venture X Business offers more elevated travel benefits.

Capital One business travel cards offer valuable rewards that make travel more comfortable and simplify your company’s expenses. When choosing between Venture X Business, Spark Miles and Spark Miles Select, consider your company’s financial goals, your travel habits and the types of rewards that best align with your business needs.

Compare business credit cards from Capital One today. You can even see if you’re pre-approved with no harm to your personal credit score.