All about Capital One Venture X Business

Capital One Venture X Business is more than a business credit card. And it’s more than a travel credit card.

With Venture X Business, you’ll earn unlimited 2X miles with no preset spending limit, so your business can enjoy purchasing power that adapts to your spending needs. That’s a powerful combination, especially when you add flexible rewards, best-in-class travel benefits and innovative business tools.

Keep reading to learn more.

Key takeaways

• Venture X Business has features designed to power your business with added benefits to reward you for the way you travel.
• Venture X Business offers you unlimited rewards on every purchase. There are no blackout dates, and your miles won’t expire for the life of your account.
• With Venture X Business, you can easily use your miles to cover travel purchases that you’ve made on your card in the past 90 days, essentially reimbursing yourself for the expense.
• Empower your teams to make secure business purchases while you earn rewards from their transactions with free employee cards. 

With Venture X Business, you can maximize your rewards thanks to unlimited miles and no preset spending limit. But that’s just the beginning. For a more extensive guide, check out how the Venture X Business card helps power your business.

But here are some key benefits you get with Venture X Business—all for a $395 annual fee:

Earn unlimited 2X miles on every purchase, every day.

Earn unlimited 10X miles on hotels and rental cars and unlimited 5X miles on flights when you book through Capital One Travel.

Earn 150,000 bonus miles when you spend $30,000 in the first three months.

Receive 10,000 bonus miles every year, starting on your first anniversary.²

Receive an annual $300 credit for bookings through Capital One Travel.³

A spending limit on a business card can make it harder to stay on schedule and meet customer expectations. But with Venture X Business, you can get the job done your way with purchasing power that adapts to your needs.

Venture X Business has no preset spending limit,⁴ so you can run your business confidently.

No preset spending limit means your card can adapt and grow with you. It learns about your spending needs each time you use it. And making multiple payments in a billing cycle can help grow your purchasing power.⁵

With Venture X Business, rewards have fewer restrictions and more flexibility.

Redeem your miles on flights, hotels, vacation rentals and more with no restrictions or blackout dates.

Your miles won’t expire for the life of the account.

Transfer your miles to any of Capital One’s 15+ travel loyalty programs.

With Venture X Business, you can expect best-in-class travel benefits that are flexible and easy to use.

Enjoy the flexibility of using your miles to cover travel purchases that have been made in the past 90 days on transactions like train tickets, Uber rides and even Airbnb.

With smart tools like price drop prediction and price matching, you get our best prices on thousands of flights, hotels and rental cars when you book through Capital One Travel.⁶

Relax and recharge away from airport crowds. Capital One Lounges offer fresh, local food and luxury amenities. And Venture X Business cardholders get unlimited complimentary access for themselves and two guests per visit.⁷

Capital One Lounges aren’t the only way to relax. You can also access 1,300+ global airport lounges through Capital One’s Partner Lounge Network. That includes unlimited complimentary access for you and two guests per visit.⁸

Receive up to a $120 statement credit on your application fee for TSA PreCheck or Global Entry when you use your Venture X Business card to cover the application fee.⁹

Enjoy shopping without paying foreign transaction fees when you make purchases outside the U.S.¹⁰

Elevate your stay at luxury hotels and resorts with the Capital One Premier Collection and Lifestyle Collection.

• Premier Collection: Experience one-of-a-kind luxury hotels and resorts—each hand-picked for premium quality. Get a $100 experience credit, daily breakfast for two and free Wi-Fi on every booking, plus room upgrades when they’re available. In addition, you’ll earn 10X miles on Premier Collection bookings through Capital One Travel.¹¹
• Lifestyle Collection: Find vibrant hotels with inviting style and high-quality service. Get a $50 experience credit, free Wi-Fi on every booking and room upgrades when they’re available. Plus, you’ll earn 10X miles on Lifestyle Collection bookings through Capital One Travel.¹²

With Capital One Dining, you can unlock unforgettable culinary experiences and access exclusive reservations at a chef-curated collection of award-winning restaurants.

Get cardholder-only access to VIP packages, events and pre-sales with Capital One Entertainment. Plus, get on-site perks across sports, dining, music and more. Redeem your rewards for thousands of ticket options, too.

With Venture X Business, you get access to a suite of powerful tools and capabilities that work hard for your business. From spend management to control over your account, there’s no shortage of ways that Capital One’s benefits can help you get business done.

With free employee and virtual cards, you can empower your teams to make business purchases while you earn rewards every time they spend. Review all employee purchases in real time and set customized spending limits for employee cards.

You can also assign an account manager to manage authorized users, monitor account finances and make payments.

Capital One Business offers the ability to easily make all of your vendor payments in one place with Accounts Payable. Use your Capital One Business card to pay vendors, even those that don’t accept cards. Choose how you’d like to pay (by card for a 2.9% fee or by bank transfer from any bank for free) and then choose how your vendor gets paid.

Capital One Business offers even more flexible spending tools that allow you to pay in a way that works for your business.

• Automatic payments: Set up AutoPay so you don’t have to worry about missing a payment.
• Payment flexibility: Pick a monthly payment due date that works for your business so you have a little more control.
• Software integrations: Sync your transaction details daily with Sage Intacct or Concur® Expense and simplify your financial management.
• Transaction details: When you sign in online, your account can show you up-to-date merchant information, including logos, phone numbers, addresses and even maps when available.
• Recurring transactions: View a list of merchants that charge your business card each month for things like bills and subscriptions.
• Year-end summaries: Get an itemized report of your spending to simplify budgeting and tax time. 

Venture X Business is designed to protect you and your business with our security tools.

• Virtual cards: Use virtual cards to make safer payments and simplify your expenses without exposing your physical card number.¹³
• Security alerts: Get notified via text, email and phone if Capital One notices potentially suspicious transactions on your account.
• Card lock and $0 liability for unauthorized charges: Lock your card or an employee’s card that’s been misplaced, lost or stolen. And get peace of mind knowing you won’t be responsible for charges you didn’t authorize.
• Cell phone protection: If your phone is stolen or damaged, you could be reimbursed up to $800.
• Customer support: Let Eno, your Capital One Assistant, keep an eye on your accounts 24/7 and send alerts when something’s up. You can ask Eno questions and get answers instantly.

You’ve worked hard to make your business a success. Take it even higher with the card that turns business expenses into travel experiences.

Apply for Venture X Business today. Or learn more about Capital One’s other business credit cards to see which one best fits your life and work.