The Capital One Venture X Business Credit Card currently has an all-time best limited-time welcome offer.
New cardholders can earn 150,000 bonus miles after spending $40,000 on purchases in the first four months of account opening. Plus, you can earn an additional 150,000 bonus miles and $1,000 in Capital One Business Travel credits in your first cardholder year after spending $120,000 in the first four months of account opening.
That’s an incredible value, but an equally incredible spending requirement. Let’s take a look at the details and alternative business credit cards with valuable welcome bonuses and lower minimum spending amounts.
The Capital One Venture X Business Credit Card has all the benefits you expect with a premium business card, including flexible travel rewards, airport lounge access and travel insurance.
- Extremely valuable welcome bonus
- 10,000 bonus miles after every card anniversary
- Unlimited complimentary access to 1,300+ airport lounges, including Capital One Lounge and Landing locations
- Annual $300 credit for bookings through Capital One Business Travel
- Limited bonus spending categories compared to other business credit cards
- High annual fee
- No airport lounge access for employee cardholders
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Limited-time card anniversary offer: Celebrate 3 years of Venture X Business and earn up to $4,300 in travel value when you spend 120,000 in your first 4 months as a cardholder -1,000 bonus to use on Capital One Business Travel + 300,000 bonus miles + your $300 annual Capital One Business Travel Credit
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you’ll be charged a 2.99% late fee
- Top rated mobile app
What is this Venture X Business offer worth?
You can redeem Capital One miles for 1 cent each toward travel booked through Capital One Business Travel or when used to offset eligible travel purchases. That makes the 300,000 bonus miles worth at least $3,000 in travel. When you add in the $1,000 travel credit and the card’s annual $300 Capital One Business Travel Credit, you can book up to $4,300 in travel with the full welcome bonus.
You may be able to squeeze additional value from the 300,000 bonus miles. Capital One miles transfer to a long list of airline and hotel partners, including the following:
Capital One transfer partners
| Capital One transfer partners | Transfer ratio |
|---|---|
| Accor Live Limitless | 2:1 |
| Aeromexico Rewards | 1:1 |
| Air Canada Aeroplan | 1:1 |
| Avianca LifeMiles | 1:1 |
| British Airways Club | 1:1 |
| Cathay Pacific Asia Miles | 1:1 |
| Choice Privileges | 1:1 |
| Emirates Skywards | 4:3 |
| Etihad Guest | 1:1 |
| EVA Air Infinity MileageLands | 4:3 |
| Finnair Plus | 1:1 |
| Flying Blue (Air France/KLM) | 1:1 |
| I Prefer Hotel Rewards | 1:2 |
| JAL Mileage Bank | 4:3 |
| JetBlue TrueBlue | 5:3 |
| Qantas Frequent Flyer | 1:1 |
| Qatar Airways Privilege Club | 1:1 |
| Singapore KrisFlyer | 1:1 |
| TAP Air Portugal Miles&Go | 1:1 |
| Turkish Airlines Miles&Smiles | 1:1 |
| Virgin Red | 1:1 |
| Wyndham Rewards | 1:1 |
The Venture X Business card has a $395 annual fee, which is lower than the annual fees of other premium cards. It’s also easy to justify this cost with two simple benefits. As noted above, you’ll receive an annual $300 Capital One Business Travel credit, plus 10,000 bonus miles each card anniversary, which are worth $100 in travel for many types of redemptions.
If you take full advantage of those two perks each year, all the card’s other benefits are additional value. That includes the travel insurance, shopping protections and airport lounge access you have access to.
Do you have a credit card or travel rewards question?
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Does the Venture X Business card offer make sense for you?
As lucrative as the Venture X Business card’s new welcome offer is, it’s not an accessible bonus for many business owners; the spending requirement is simply too high.
The good news is there are plenty of other business credit cards with valuable intro offers, lower annual fees and more manageable spending requirements. The Ink Business Preferred® Credit Card (see rates and fees) and Capital One Venture Business both have a $95 annual fee and welcome offers worth $1,000+ — with dramatically smaller minimum spending requirements.
The Capital One Venture Business also earns Capital One miles and comes with up to $100 in annual credits. You’ll receive a $50 Capital One Business Travel credit each year and an annual $50 credit for eligible advertising and software purchases.
The Capital Venture Business has a simple and lucrative rewards program because you earn at least 2X miles on every purchase and you can transfer those miles to travel partners.
- Earns flexible travel rewards you can transfer to airline and hotel loyalty programs such as Air Canada Aeroplan, Choice Privileges and Emirates Skywards
- Application fee credit for Global Entry or TSA PreCheck
- Up to $100 in annual credits
- Has an annual fee
- High spending requirement to earn the full welcome bonus
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
The Ink Business Preferred earns 3X points on the first $150,000 in combined purchases spent each account year on travel, shipping, internet, cable and phone services and advertising with social media and search engines. It also has travel and shopping protections, such as extended warranty protection, purchase protection, cell phone insurance and rental car coverage.
The Ink Business Preferred® Credit Card is an excellent business card with useful benefits, valuable rewards and a generous welcome bonus.
- Earns flexible travel rewards you can transfer to airline and hotel loyalty programs such as World of Hyatt, Southwest Rapid Rewards and many more
- Valuable welcome bonus worth $1,125 in travel when redeemed through Chase Travel
- Strong travel and shopping protections
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
- Go further when you book with Chase TravelSM. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
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