Capital One Venture X Business
$395/year, earning Capital One Miles, on the Visa network.
Card terms last verified against issuer pages on 2026-09-20.
The Capital One Venture X Business is a $395/year card from Capital One earning Capital One Miles. It earns 10x on hotel (c1travel), 10x on car rental (c1travel), 5x on airline (c1travel) and 2x on everything else. It carries 3 recurring statement credits worth $430 a year, listed in full below with the cap and reset date for each.
What it earns
Rates are the multipliers Capital One advertises. We do not convert them into a percentage return, because that requires putting a price on Capital One Miles and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Hotel (C1Travel) | 10x | |
| Car Rental (C1Travel) | 10x | |
| Airline (C1Travel) | 5x | |
| Other | 2x | Everything else |
Statement credits
$430 a year across 3 credits against a $395 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| 10,000 Anniversary Bonus MilesEarn 10,000 bonus miles automatically on each account anniversary. Miles are worth 1.7¢ each when redeemed via Capital One Travel. | Once a year | ~$170 |
Status and included memberships
- Priority Pass Membership — Unlimited access to 1,300+ Priority Pass lounges worldwide for primary cardholder. Guest access available if spending $75,000+/year on card.
- Capital One Lounge Access — Unlimited access to Capital One Lounges at DFW, IAD, DEN, and partner locations. Guest policy: 2 guests free with $75,000+ annual spend.
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Cell Phone Protection — Up to $800 per claim ($50 deductible) for cell phone damage or theft when paying monthly bill with card. Max 2 claims/$1,600 per 12 months. Covers all phones on the bill. Does not cover lost phones or cosmetic damage.
- Trip Delay Reimbursement — Up to $500 per person for hotel, meals, and essentials when flight is delayed 6+ hours or requires overnight stay.
- Lost Luggage Reimbursement — Up to $3,000 per covered trip for luggage lost or damaged by the airline.
Questions people ask about the Capital One Venture X Business
What is the annual fee on the Capital One Venture X Business?
The Capital One Venture X Business has a $395 annual fee.
What statement credits does the Capital One Venture X Business include?
It carries 3 recurring statement credits worth $430 a year in total: $300 Annual Travel Credit ($300, resets on the cardmember year); $100 Premier Collection Credit ($100, resets on the cardmember year); Global Entry/TSA PreCheck Credit ($30, resets on the cardmember year). Verified 2026-09-20.
What does the Capital One Venture X Business earn?
10x on hotel (c1travel), 10x on car rental (c1travel), 5x on airline (c1travel), 2x on other, and 2x on everything else, in Capital One Miles.
Is the Capital One Venture X Business worth the annual fee?
Its recurring statement credits total $430 a year against a $395 fee, so the card pays for itself on credits alone if you use 92% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Capital One Venture X Business charge foreign transaction fees?
No — the Capital One Venture X Business has no foreign transaction fee.
Other Capital One cards
Capital One QuickSilver
Capital One Savor
