Capital One Venture X Business
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The card_name is a business travel card designed for small-to-medium-sized business owners. The card has existed for a while, but only through a Capital One Relationship Manager–until now. Now, you can apply online and get approved in as little as 60 seconds. This card has an excellent welcome offer: 150,000 Miles once you spend $30,000 in the first 3 months from account opening.
Keep in mind that this is a pay-in-full card, so you don’t have a preset spending limit, but you need to pony up everything you (and your employees) spent at the end of the month. You get some of the same benefits as the Capital One Venture X Rewards Credit Card, such as a $300 travel credit and 10,000 anniversary points. We dive into the details and your approval odds in this Venture X Business review.
Our Rating
4.9/5.0
Welcome Offer
150,000 Miles
Annual Fee
$395
0% on Purchases
N/A
Reward Rate
2x – 10x miles
0% on Balance Transfers
N/A
Welcome Offer
150,000 Miles once you spend $30,000 in the first 3 months from account opening
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability, Alerts, Virtual Card Numbers, Card Lock |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, PayPal |
| Benefits | Extended Warranty Coverage, Purchase Protection, Choose your due date, 24/7 customer service |
| Travel Perks | Airport Lounge Access, TSA PreCheck & Global Entry credit |
Rewards
Interest Rates & Fees
| Annual Fee | $395 |
| Foreign Transaction Fee | None |
| Regular APR | N/A (V) APR |
What Credit Score Is Required to Get the Capital One Venture X Business
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 752
Average Approved Credit Score: 779
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 07/01/2023 | Not Provided | ||
| Approved | 01/11/2024 | Not Provided | ||
| Approved | 11/09/2023 | Equifax | ||
| Approved | 11/09/2023 | TransUnion | ||
| Approved | 11/09/2023 | Experian | ||
| Denied | 12/31/2023 | TransUnion | ||
| Denied | 12/31/2023 | Equifax |
Pros & Cons
- Welcome offer
- No foreign transaction fee
- Unlimited 2X miles on every purchase
- Annual fee
- Requires good credit
- Pay-in-full card
What Are the Best Alternatives?
Ink Business Premier® Credit Card
Rating
4.9
Rewards Range
2%-5%
Annual Fee
$195
The Business Platinum Card® from American Express
Rating
4.5
Rewards Range
1x to 5x Points
Annual Fee
$695
Capital One Spark Miles for Business
Rating
4.7
Rewards Range
2x to 5x miles
Annual Fee
$0 intro for first year; $95 after that