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Capital One

Venture Business

Annual fee
$95
Network
visa
Type
business

It earns unlimited 2 miles per dollar on purchases, with elevated rewards on eligible travel booked through Capital One Business Travel.

Capital One Venture Business

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published
$180

What the issuer advertises.

02Realistic
$130

Pays out with no hoops.

03Yours
Open your wallet

From your real spend and redemptions.

$50 of the advertised value — 28% — comes with strings attached.

Why Perqt says this
  • $180 advertised across 4 benefits.
  • $50 (28%) needs a booking, enrollment, or deadline.
  • Biggest credit — Lifestyle Collection stay benefits, $50 — comes with conditions.
  • Annual Capital One Business Travel credit ($50) posts automatically. No hoops.
  • No-hoops value covers 137% of the annual fee.
Better fit if
  • You'll actually use Lifestyle Collection stay benefits.
  • You'll actually use Annual Capital One Business Travel credit.
  • 5× on hotels, vacation rentals, and rental cars matches your spend.
Probably not if
  • You won't use Lifestyle Collection stay benefits.

Earning rates

  • All other purchases
    none
    2×
    miles
    Capital One Miles · none · Unlimited 2X miles on every purchase.
  • Top earn
    Hotels, vacation rentals, and rental cars
    booked through Capital One Business Travel
    5×
    miles
    Capital One Miles · Capital One Business Travel · 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.

On-card benefits & credits

  • Global Entry or TSA PreCheck credit
    $120
    /One-time

    Receive up to $120 toward either a Global Entry or TSA PreCheck application fee once every four years. Pay the eligible application fee with the card; one credit is processed per account.

  • Annual Capital One Business Travel credit
    $50
    /Annual

    Eligible primary account holders receive a $50 Capital One Business Travel credit each year. It expires on the next account anniversary and can be applied at checkout to eligible portal bookings.

  • Advertising and software statement credit
    $50
    /Annual

    Receive up to $50 annually for purchases at qualifying advertising or software merchants. Eligibility depends on the merchant category code, and unused credit expires on the account anniversary.

  • Lifestyle Collection stay benefits
    $50
    /One-time

    Eligible Lifestyle Collection stays booked through Capital One Business Travel include a $50 experience credit, complimentary Wi-Fi, and room upgrades, early check-in, and late checkout when available. Benefits apply per room, per stay.

  • No foreign transaction fees
    $0
    /Annual

    The card charges no foreign transaction fees on purchases made outside the United States.

  • Extended warranty protection
    $0
    /Annual

    Eligible purchases made with the card receive additional warranty protection at no charge, subject to the card’s benefit terms and exclusions.

  • Hertz Five Star status
    $0
    /Annual

    Eligible cardholders can enroll in Hertz Five Star status, providing benefits such as skipping the counter at select locations and access to a wider rental-car selection. Enrollment must use the card’s unique benefits link.

  • Free employee cards
    $0
    /Annual

    Employee cards are available at no additional charge, allowing the business to track employee spending and earn rewards from employee purchases.

  • Capital One Business Travel access
    $0
    /Annual

    Cardholders receive complimentary access to Capital One Business Travel, an all-in-one platform for managing business travel, policies, bookings, and expenses.

Other Capital One cards

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