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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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Why getting the Capital One Venture X Business card may be the easiest decision you’ll make for your company today
Ashley writes sponsored content for TPG and is also a family travel advocate. Formerly a contributor at Condé Nast Traveler and Matador Network, Ashley also had a family travel blog for four years before coming to TPG in 2021. She travels almost exclusively with her husband and two young kids but can also be seen enjoying solo trips to far-flung places like Costa Rica and Austria. Ashley loves storytelling and any opportunity to share travel stories at TPG. A hopeful polyglot, Ashley has a graduate degree in Spanish and currently studies French. Next up: Italian.
October 1, 2024 • 8 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
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By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
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Quick summary
A premium small-business card offers flexible redemption options, including covering recent travel purchases or transferring rewards to airline and hotel partners.
Cardholders benefit from a straightforward rewards structure, premium travel perks and business-centric features like no preset spending limit and free employee cards.
Annual credits for travel bookings and expedited security programs, plus yearly bonus rewards, can help offset costs for frequent business travelers.
Some offers mentioned in the article are no longer available.
What to consider
Redemption flexibility allows covering a wide range of travel expenses, including bookings made outside the issuer's travel portal.
The card adapts to business spending patterns, and large purchases can be pre-approved for peace of mind.
Employee cards can be added at no extra cost, with customizable spending limits and real-time transaction tracking.
What you'll miss from the article
Detailed examples illustrating how to maximize rewards value for business travel and employee expenses.
Generated by AI with support from our editorial team.
Update: Some offers mentioned below are no longer available. View the current offers here.
Small-business owners have enough to worry about without always trying to maximize their credit card rewards. Choosing a card that promises a high sign-up bonus and lots of perks to save you money on expenses or enhance your travel is easy. But when it comes time to redeem those hard-earned points and miles, it can be difficult to know where to start.
That’s where the Capital One Venture X Business card comes in handy. With the Venture X Business card, you’ll enjoy an elevated earning structure, flexible redemption options, premium perks and an array of business-centric capabilities that place the card in a league of its own.
Here’s why you should consider the Venture X Business card for your small business.
Flexible redemption options
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One of the most powerful aspects of the Venture X Business card is the flexibility you have for your rewards — and the most efficient option for busy small-business owners is the feature that allows you to use your miles to cover travel purchases that you’ve made on your card in the last 90 days, essentially reimbursing your business for the expense. Eligible purchases that can be covered with Capital One miles include train tickets, Uber rides and even Airbnb purchases.
You can also cover hotel stays, airfare and rental cars booked outside of Capital One's travel booking site — allowing you to book directly with your favorite travel providers and still enjoy any elite status perks to which you’re entitled, even when traveling for business. This flexibility is outstanding when compared to other premium business cards.
However, if you’re already invested in the world of loyalty programs, you also have the option to transfer miles to one of Capital One’s transfer partners. This can help unlock even more value for your rewards — but the important thing is that you’re in control and can do what makes sense for you and your small business.
For example, let’s say you want to send your top employee and a guest on an all-expenses-paid trip to Europe as a reward for last year’s productivity. In researching flights, you find a deal for a $600 round-trip flight next summer on the employee’s preferred airline and ideal dates. You could book those two tickets directly online and then use 120,000 Capital One miles for a statement credit to erase that purchase from your account.
However, if that exact same flight was just 30,000 points per person through Air Canada’s Aeroplan program, you could transfer 60,000 Capital One miles to your Aeroplan account (at a 1:1 ratio) to book the flight instead, saving the rest of those miles for future business needs.
But this flexibility gets even better when you factor in the earning structure on the card.
Valuable earning rates and lucrative welcome bonus
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The Venture X Business card allows you to rack up miles in a simple yet lucrative fashion — starting with the welcome offer. If you apply (and are approved) for the Capital One Venture X Business card, you can earn up to 350,000 bonus miles: 150,000 miles once you spend $30,000 in the first three months, plus an additional 200,000 miles after spending $200,000 in the first six months.
Additionally, you’ll earn miles on your business expenses at the following rates:
10 miles per dollar spent on hotels and rental cars booked through Capital One's travel booking site
5 miles per dollar spent on flights and vacation rentals booked through Capital One's travel booking site
2 miles per dollar spent on all other purchases (with no limits)
Your miles never expire as long as your account remains active and in good standing.
Here’s a real-world example of how this can directly affect your business’ bottom line.
Let’s say you have a company retreat coming up, and you want to pay for your employees’ hotel rooms using the Capital One miles you’ve earned on your Venture X Business card. You’ve arranged a contract rate of $100 per night, and if there are 10 employees who each need a hotel room for two nights, that’s a total of $2,000 — which would require 200,000 miles.
Well, when you consider the welcome bonus (150,000 miles after spending $30,000 in the first three months, plus an additional 200,000 miles after spending $200,000 in the first six months from account opening) plus the rewards you’d earn on the spending to earn that bonus (up to $200,000 times 2 miles per dollar equals up to 400,000 miles, plus), you’d already have enough to cover those costs — and then some.
But the value doesn’t stop there.
Premium perks and business benefits with a low annual fee
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As a Venture X Business cardholder, you’ll enjoy an array of benefits to upgrade your travel and enhance your operations — making the card a great option for virtually all small-business owners.
For starters, you’ll receive a $300 Capital One Travel credit — which applies to flights, hotels and car rentals purchased through Capital One's travel booking site. You’ll also enjoy up to $120 in statement credits for a Global Entry or TSA PreCheck application fee. Plus, starting at your first cardmember anniversary, you’ll earn 10,000 bonus miles every year (worth $100 toward future business travel).
These perks alone easily cover the card’s annual fee — and they’re simple to use. When you make purchases through Capital One's travel booking site, you simply apply your $300 annual credit until you’ve spent it all. And when your card renews, you get 10,000 bonus miles — automatically.
However, the premium perks don’t stop there. Here’s what else you’ll enjoy as a Venture X Business cardholder:
Complimentary access to Capital One Lounges, with unlimited visits for you and up to two guests
But the Venture X Business card also comes with capabilities geared specifically to small-business owners.
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For starters, you have no preset spending limit on the card. Instead, it adapts to your spending behavior, business credit profile and payment history, among other factors. And each time you use your Venture X Business card, it learns more about your spending needs, and you can grow your purchasing power by making multiple payments in a billing period.
In fact, your online portal even includes a way to confirm that a large purchase will be approved, offering valuable peace of mind.
And no matter the size of your business, you’ll want to make the most out of every expense, including those made by your employees. With the Venture X Business card, there are no additional fees to add employee cards to your account — and you can easily set specific spending limits and immediately see their transactions.
These features allow even more efficiency in your day-to-day operations.
Bottom line
The Capital One Venture X Business card is for small-business owners who want simple earning rates, flexible rewards, valuable perks and additional features to streamline their purchasing process. You can easily redeem the miles you earn on the Venture X Business card through Capital One's travel booking site, use them to cover previous travel purchases or even transfer them to 15-plus partners.
You also have a slew of easy-to-use benefits — including an annual $300 credit for bookings through Capital One's travel booking site and 10,000 bonus miles annually starting on your first account anniversary.
And when you factor in the up to 350,000-mile sign-up bonus, now may be a great time to consider getting the card for your small business.
Learn More: Capital One 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.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
