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 | Venture X Business | |
|---|---|---|
| Annual fee | $395 | $395 |
| Welcome offer | Earn 75,000 bonus miles after spending $4,000 in the first three months from account opening. | Earn 150,000 bonus miles after spending $30,000 in the first three months from account opening.
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| Earning rates |
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| Benefits |
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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 75,000 bonus miles after spending $4,000 in the first three months from account opening. According to TPG's April 2025 valuations, Capital One miles are worth 1.85 cents each, making this bonus worth $1,388.
The Venture X Business, on the other hand, comes with a much higher, but tiered welcome bonus. New cardholders can earn:
- 150,000 bonus miles after spending $30,000 in the first three months
According to TPG's April 2025 valuations, this bonus is worth $2,775.
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.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.