Capital One Venture X vs. Venture X Business: Small but important differences

Two of Capital One's premium cards have become very popular over the past few years.

Most TPG readers are familiar with the personal Capital One Venture X Rewards Credit Card. And if you are a small-business owner, you may be interested in its business sibling, the Capital One Venture X Business.

At first glance, the Venture X Business looks almost identical to the Venture X, with many overlapping perks and the same annual fee. But a few differences between the cards will likely put one ahead of the other for you.

Here's what you need to know before choosing the Venture X or the Venture X Business.

Related: Do I need a business to get a business credit card?

Venture X vs. Venture X Business comparison

The Venture X and Venture X Business are almost identical, with the differences highlighted in bold below:

Venture X vs. Venture X Business welcome offer

Both the Venture X and the Venture X Business come with valuable welcome bonuses.

New Venture X cardholders earn 100,000 bonus miles after spending $10,000 in the first six months from account opening. According to TPG's April 2025 valuations, Capital One miles are worth 1.85 cents each, making this bonus worth $1,850.

The Venture X Business, on the other hand, comes with a much higher, but tiered welcome bonus. New cardholders can earn:

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• 200,000 miles after spending $30,000 on purchases in the first three months from account opening
• An additional 200,000 miles after spending $150,000 on purchases in the first six months from account opening

According to TPG's April 2025 valuations, this bonus is worth up to $7,400.

While you don't have to be a traditional business owner to qualify for a business credit card, the Venture X Business' welcome bonus spending requirement seems geared more toward businesses with substantially high spending patterns. If you can't hit the high spending requirement and earn the elevated bonus, you'll want to go with the Venture X for its easier path to a valuable bonus.

Winner: Venture X Business — as long as you can meet the very high spending requirement.

Related: 10 ways to meet the spending requirements and earn the bonus on a new card

Venture X vs. Venture X Business benefits

The Venture X and Venture X Business have a lot of overlapping benefits, including:

• Lounge access: Complimentary access for the cardholder and up to two guests per visit to Capital One and Priority Pass lounges (restaurant access not included)
• Travel credit: $300 annual credit for bookings made through the respective travel portal
• Bonus miles each year: 10,000 bonus anniversary miles each year
• Hotel perks: Access to Capital One's Premier Collection and Lifestyle Collection of hotels
• TSA PreCheck/Global Entry credit: Up to $120 in statement credits for TSA PreCheck or Global Entry
• Travel and purchase protections
• No foreign transaction fees

Where they differ:

• The Venture X Business has business-oriented benefits (like itemized spending reports) and your card's balance must be paid in full every month (given it has no preset spending limit).

Winner: Tie.

Earning miles on the Venture X vs. Venture X Business

The Venture X and the Venture X Business have the same earning rates:

• 10 miles per dollar on hotels and rental cars booked through their respective travel portal
• 5 miles per dollar on flights and vacation rentals purchased through their respective travel portal
• 2 miles per dollar on other purchases

Since both cards have the same earning rates, you'll likely want to explore different card options if you want to earn bonus rewards on other specific categories, such as dining, groceries or common business expenses.

Winner: Tie

Related: The best credit cards for each spending category

Redeeming miles on the Venture X vs. Venture X Business

Both the Venture X and the Venture X Business earn transferable Capital One miles and have the same redemption options.

Transferring your miles to any of Capital One's 15-plus airline and hotel partners is the most valuable redemption route and our recommendation.

You can also redeem your miles for:

• A statement credit: 1 cent per mile; to cover travel expenses and gift cards
• Amazon purchases: 0.8 cents per mile
• Cash back: 0.5 cents per mile

Winner: Tie — both cards offer the same redemption options.

Related: Should you transfer your Capital One miles or redeem them directly for travel?

Transferring miles with the Venture X vs. Venture X Business

Both the Venture X and the Venture X Business earn miles that you can transfer to any of Capital One's 15-plus hotel and airline partners, including Air Canada Aeroplan, Avianca LifeMiles and Wyndham Rewards.

TPG contributing editor Matt Moffitt likes to transfer his Capital One miles to Choice Privileges, which offers attractive award rates for hotel stays in expensive Nordic countries.

With the wide range of options available, you'll easily find a transfer that fits your travel preferences and goals.

Winner: Tie — both cards have the same transfer options.

Should I get the Venture X or the Venture X Business?

While the Venture X Business offers a substantial number of miles for its welcome bonus, the spending requirement will be unrealistic for a lot of people. With a more reasonable spending requirement for its welcome offer and great benefits, the Venture X will be a better choice for most.

Bottom line

The Venture X and Venture X Business are almost identical twins, with an annual travel credit, complimentary airport lounge access, anniversary bonus miles and the same annual fee.

The Venture X adds in car rental elite status, while the business version has a much higher welcome bonus (with a substantial spending requirement), itemized spending reports and no preset spending limit.

Whether you choose the personal or business version, (Venture) X marks the spot for premium perks at a reasonable annual fee.

For more details, read our full reviews of the Venture X and Venture X Business.

Learn more: Venture X

Learn more: Venture X Business

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

*Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g., at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.