Capital One Venture X Business by Capital One: 10x hotels via portal, 10x rental cars via portal, 5x flights / airfare via portal, 5x vacation rentals via…
The Capital One Venture X Business is Capital One's mid-tier credit card. The $395/yr annual fee includes a welcome bonus of up to 300,000 points. Limited-time offer: 150,000 bonus miles after $40,000 in purchases in the first 4 months, plus another 150,000 miles and a $1,000 Capital One Business Travel credit (expires 16 months after account opening) after $120,000 total in the first 4 months. Capital One publishes no end date (capitalone.com, read October 21, 2026). Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| Global Entry / TSA PreCheck application fee | $120/quadrennial | Up to a $120 statement credit on TSA PreCheck or Global Entry, once every four years. |
| Annual travel credit | $300/yr | $300/yr in statement credits for bookings through Capital One Business Travel; expires on account anniversary |
| 10,000-mile Anniversary Bonus | $100/yr | 10,000 bonus miles every year on the account anniversary, starting after the first year. Capital One values them at $100 (1 cent per mile toward travel); transferred to airline partners at our 1.85-cent value they are worth about $185. |
Welcome bonus value (year one): ~$5550. Annual statement credits: $520. Minus the $395 annual fee = ~$5675 in year-one net value before any spending earn. RewardsGuru rating: 5.0/5 — based on our net-value methodology.
Best fit: small-business owners who can run business expenses through one card and want the welcome bonus + category multipliers. Skip if: you don't have separate business spend or you'd struggle to hit the welcome-bonus spending requirement.
Up to 300,000 points, in parts. Limited-time offer: 150,000 bonus miles after $40,000 in purchases in the first 4 months, plus another 150,000 miles and a $1,000 Capital One Business Travel credit (expires 16 months after account opening) after $120,000 total in the first 4 months. Capital One publishes no end date (capitalone.com, read October 21, 2026). At our ~1.85¢/pt valuation, the full bonus is roughly $5550 in real value.
Year-one math: welcome bonus value (~$5550) + annual credits ($520) − $395 fee = ~$5675 net before spending earn. Year-two onward, the credits alone need to clear $395 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
3 recurring statement credits: Global Entry / TSA PreCheck application fee ($120), Annual travel credit ($300/yr), 10,000-mile Anniversary Bonus ($100/yr). Total: $520/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Capital One's product page has the current rate.