Unlock Travel Perks with Venture X
Link: Apply now for the Capital One Venture X Business
I’ve already done a deep dive into the Capital One Venture X Business card, but today I’m here with 11 solid reasons why it deserves a spot in your wallet. Sure, the $395 annual fee might make you gulp, but hear me out—the perks more than justify the hit to your wallet, if you ask me.
So, why should you consider this card? Let’s break it down, point by point…
Welcome Bonus: 150,000 Capital One Miles
Capital One is rolling out the red carpet with a welcome bonus of 150,000 bonus miles if you splash out $30,000 in the first three months. Now, I value Capital One miles at 1.7 cents each. So we’re talking about a whopping $2,550 in value. Sure, $30K is a tall order, but the reward is more than worth the effort.
No Impact on Personal Credit
The great news is, as long as you’re minding your p’s and q’s, this card doesn’t leave a footprint on your personal credit report—at least according to most reports, including my own experience. Got your eye on staying under Chase’s 5/24 rule? This card doesn’t get in the way.
2x Capital One Miles on Every Purchase
With the Venture X Business card, every purchase (yes, every single one) earns you an unlimited 2x miles. If you, like me, value those miles at 1.7 cents each, you’re getting a solid 3.4% back on your everyday expenses. Plus, book through the Capital One Travel portal and you’re looking at even more bonuses:
- 10x miles for rental cars and hotels
- 5x miles for flights
Oh, and it gets even better—there are no foreign transaction fees on any purchases.
No Preset Spending Limit
The Venture X Business card frees you from those pesky traditional credit limits, adjusting based on your spending behavior and credit profile. This means you can splash out on hefty purchases without sweating the small stuff.
A Flexible & Valuable Mileage Currency
In terms of redeeming Capital One miles, you’ve got options. Redeem them for a cent each on virtually any travel purchase through your rewards dashboard, snagging at least 2% back on every dollar. No blackout dates, and you hold the power. Want more? Transfer miles to over a dozen airlines and hotel partners at a 1:1 ratio and grasp even more value.
$300 Annual Capital One Travel Credit
Every card year, including the first, you snag a $300 travel credit for purchases like flights, hotels, and rental cars. My advice? Book a $300+ flight through the portal yearly, and you’ve pretty much recouped that annual fee. With that $395 annual fee seemingly high, consider it slashed more than 75% with just this perk.
10,000 Capital One Bonus Miles Every Anniversary
In addition to that yearly travel credit, every anniversary brings another 10,000 miles. Even if you pin those miles at a $100 value, you’ve covered the fee right there when combined with other credits. Welcome to owning one of the cheapest premium cards around.
Priority Pass Membership for You & Guests
Say hello to a Priority Pass membership, enabling you to access the broadest network of airport lounges globally—with two guests at no extra cost. Nobody enjoys those dreary airport waits, right?
Access to Capital One Lounges
If you’re passing through hubs like Dallas or Denver, Capital One Lounges could be your new favorite pit stop, offering everything from cold brew on tap to grab-and-go foods. Regulars at airports with Capital One Lounges will find this perk particularly tasty.
Capital One Landing Access
Get a feel for a mix between an airport lounge and a restaurant, spearheaded with culinary genius José Andrés offering up complimentary dining experiences. You can even drag a friend in for free.
Global Entry or TSA PreCheck Credit
Once every four years, get your TSA PreCheck or Global Entry enrollment fee covered. Already got it for yourself? No worries, gift it to someone else. That’s a sweet, seamless travel experience on someone else’s dime.
Bottom Line
The Capital One Venture X Business card sits in a league of its own for small business owners mulling over their options. Despite a $395 annual fee, the value gained through travel credits and anniversary bonuses more than covers it for those in-the-know.
Factor in unlimited 2x miles on every swipe, access to lounges, and membership perks, and it seems picking up this card would be, how do you say—a no-brainer.