All about Capital One Venture X Business

Capital One Venture X Business: Is it a business card? Is it a travel card? What if we told you it’s both? 

With Venture X Business, you’ll earn unlimited 2X miles with no preset spending limit, meaning your business can enjoy purchasing power that adapts to your spending needs. That’s a powerful combination, especially when you add flexible rewards, best-in-class travel benefits and innovative business tools.

If your company has high monthly spend and you’re looking for a business card that offers great travel amenities and a generous welcome bonus, Venture X Business might be right for you. Keep reading to learn more.

What you’ll learn:

• Venture X Business has features designed to power your business with added benefits to reward you for the way you travel.

• Venture X Business offers you unlimited rewards on every purchase. There are no blackout dates, and your miles won’t expire for the life of your account.

• With Venture X Business, you can get additional bonuses like an annual travel credit and anniversary bonus, and in some cases you can even earn a welcome bonus. 

• Give your teams the freedom to spend securely with free employee cards and take advantage of built-in expense management tools.

Venture X Business offers elevated benefits with a simple rewards-earning structure, all for an annual fee of $395. You’ll not only earn 2X miles on everyday business purchases but also 10,000 bonus miles each year starting on your first anniversary.

This card comes with no preset spending limit, which means you have the flexibility to spend what you need to move your business forward. Venture X Business adapts to your needs based on your spending patterns, payment history and credit profile, making this an ideal card for businesses with high monthly expenses.

Check out how Venture X Business compares to other Capital One Business cards.

Compared to other business cards, Venture X Business sets itself apart by catering to businesses that are looking for travel benefits, an easy-to-understand rewards structure and a flexible spending capacity. Here’s a snapshot of some of the benefits Venture X Business offers that other cards may not:

• Venture X Business offers a straightforward 2X miles on every purchase—with no restrictions or category limitations. 

• Venture X Business offers simple, high-value credits—a $300 annual travel credit and 10,000 anniversary miles.

• With Capital One, you can take advantage of a seamless Accounts Payable tool that enables you to earn 2X miles when paying vendors. Plus, there’s no opt-in or platform fee to pay vendors through non-card methods, such as bank accounts or debit cards.

With Venture X Business, rewards have more flexibility. Thanks to a straightforward earning system, you can redeem rewards for all kinds of travel purchases—whether you’re taking a business trip or going on a personal getaway.

Earn unlimited 2X miles on every purchase, every day. That means you can turn everyday business spending into valuable miles—without worrying about spending categories or limits.

Venture X Business has no preset spending limit,^₂ so you can run your business confidently. The card adapts to your spending needs over time, and making multiple payments within a billing cycle can help grow your purchasing power.³

Earn unlimited 10X miles on hotels and rental cars and unlimited 5X miles on flights and vacation rentals when you book through Capital One Business Travel. With elevated travel rewards, you can rack up extra miles each time you—or your employees—use the card.

As a Venture X Business cardholder, you’ll be rewarded for your loyalty by receiving 10,000 bonus miles every year, starting on your first anniversary.⁴

No matter where or how you like to travel, you’ll receive an annual $300 credit for bookings made through Capital One Business Travel.⁵ This helps you keep more funds in your wallet when booking a trip—whether you’re heading to a trade show or finally taking your team on their dream retreat.

“I’m using this card for my business. It’s already been 6-7 months, and I’m super-happy to have it! It has great benefits and lets you earn rewards fast! We have an upcoming trip to Europe, and we covered around $7,000 by redeeming rewards for flights, car rentals and hotels. Capital One offers great and friendly customer service. The card is basically free, considering they provide yearly extra benefits, which cover the yearly cost. I love it and would suggest it to all my friends!”—Capital One small-business customer

With Venture X Business, you get access to a suite of powerful tools and capabilities that work hard for your business. From spend management to control over your account, Capital One offers plenty of benefits that help you get business done.

Capital One Business offers the ability to easily make all of your vendor payments in one place with Accounts Payable. Use your Capital One Business card to pay vendors, even those that don’t accept cards. Choose how you’d like to pay (by card for a 2.9% fee or by bank transfer from any bank for free) and then choose how your vendor gets paid.

Capital One Business offers even more flexible spending tools that allow you to pay in a way that works for your business. Expense management benefits include:

• Automatic payments: Set up AutoPay so you don’t have to worry about missing a payment.

• Payment flexibility: Pick a monthly payment due date that works for your business so you have a little more control.

• Software integrations: Sync your transaction details daily with accounting software and simplify your financial management.

• Transaction details: When you sign in online, your account can show you up-to-date merchant information, including logos, phone numbers, addresses and even maps when available.

• Recurring transactions: View a list of merchants that charge your business card each month for things like bills and subscriptions.

• Year-end summaries: Get an itemized report of your spending to simplify budgeting and tax time.

With free employee cards, you can empower your team to make business purchases while you earn rewards every time they spend. Review all employee purchases in real time and set customized spending limits for employee cards.

You can also assign an account manager to manage authorized users, monitor account finances and make payments.

“This card provides a straightforward 2X earnings structure and excellent credits that are easy to understand. Plus, you get quick and reliable customer service. The app is easy to use, so you can check spending power for large purchases. Highly recommend.”—Capital One small-business customer

With Venture X Business, you can expect security benefits and best-in-class travel benefits that are flexible and easy to use.

Save time and money with complimentary access to an all-in-one business travel management solution. Track expenses, manage employee travel, get 24/7 travel support and access thousands of flights, hotels and rental cars.

Venture X Business is designed to protect you and your business with our security tools, such as:

• Virtual cards: Use virtual cards to make safer payments and simplify your expenses without exposing your physical card number.⁶

• Security alerts: Get notified via text, email and phone if Capital One notices potentially suspicious transactions on your account.

• Card lock and $0 liability for unauthorized charges: Lock your card—or an employee’s card—that’s been misplaced, lost or stolen. And get peace of mind knowing you won’t be responsible for charges you didn’t authorize.

• Customer support: Let Eno, your Capital One Assistant, keep an eye on your accounts 24/7 and send alerts if something looks unusual. You can ask Eno questions and get answers instantly.

Eligible cardholders can enjoy access to the all-inclusive Capital One Lounge locations. Relax and recharge with relaxation rooms, shower suites, locally sourced food and beverages, and other amenities.⁷

When you purchase eligible items with your card, you’ll receive a free extended warranty. This additional coverage helps you confidently protect business investments, like purchases of appliances or large electronics.

You’ve worked hard to make your business a success. With Venture X Business, you have the flexibility to make larger purchases so you can keep your business moving forward. You can then turn those business expenses into travel experiences with a simple, flat earning rate. With elevated travel benefits, powerful account management tools and employee access capabilities, this card can help you take your business even higher.

Apply for Venture X Business today and get pre-approved—without impacting your credit scores.