Venture X Business: A Premium Card for Travel and Rewards

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Venture X Business is a premium credit card designed for business owners who want to earn rewards on their travel expenses.

With Venture X Business, you can earn 3x points on travel purchases, which can be redeemed for travel, dining, or transferred to airline partners.

This card offers a $300 credit towards travel purchases within the first 3 months, making it a great choice for frequent travelers.

The annual fee is $450, which may seem steep, but the rewards and benefits make it a worthwhile investment for business owners who travel frequently.

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What Is Venture X Business?

The Capital One Venture X Business Card is essentially an upgraded version of the Capital One Venture X Rewards Credit Card, with all the same features and then some. It offers a welcome bonus that's hard to resist.

To qualify for this bonus, you'll need to meet a specific spend requirement, which is substantial. This card is designed for business owners who want premium travel perks.

One of the standout features of the Venture X Business Card is its annual travel credit, which can be a huge money-saver for frequent travelers.

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A Flexible & Valuable

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The Capital One Venture X Business Rewards Credit Card offers a flexible and valuable mileage currency. You can redeem Capital One miles for one cent each toward virtually any travel purchase by covering travel purchases through the rewards dashboard on your card.

You can earn at least 2x miles per dollar spent, which means you're earning at least two cents back on the dollar. This can be used toward the cost of a flight, a rental car, or a stay at a hotel, without having to worry about blackout dates or limited availability.

The Venture X Business also offers a 10,000 mile bonus on your account anniversary every year, starting from your first anniversary. This is equivalent to around $170 in value, making it a great perk.

Here are some of the ways you can redeem your Capital One miles:

  • Transfer miles to Capital One's airline & hotel partners at a 1:1 ratio
  • Use miles to cover travel purchases through the rewards dashboard
  • Redeem miles for one cent each toward virtually any travel purchase

Overall, the Capital One Venture X Business Rewards Credit Card offers a flexible and valuable mileage currency that can be redeemed in a variety of ways.

Earning and Redeeming Rewards

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The Capital One Venture X Business Rewards Credit Card offers a straightforward earning structure, with 10 miles per dollar on hotels and rental cars booked via Capital One Travel, 5 miles per dollar on flights booked via Capital One Travel, and 2 miles per dollar on every purchase.

You can earn up to 4X points in the two eligible categories where you spend the most each billing period on up to $150,000 in annual spending with the Amex Business Gold.

The Venture X Business Card offers 10X miles on hotels and rental cars booked via Capital One Travel, 5x on flights and vacation rentals booked via Capital One travel, and 2X everywhere else.

The Amex Business Gold allows business owners to earn 4 Membership Rewards points per dollar on the two eligible categories where a business spends the most each month.

You can earn 10,000 Capital One bonus miles on your account anniversary every year, which is a significant bonus on top of the regular earning structure.

Here's a quick summary of the earning rates:

Application and Eligibility

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To apply for the Capital One Venture X Business Rewards Credit Card, head to the top of this page for the current best welcome bonus offer and application link.

You'll need to have a good understanding of the credit score requirements, as the issuer considers an excellent credit score to be 800 and above. This means if your score isn't excellent, it may be difficult to get approved.

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American Express Renamed

American Express has a range of business credit cards, including the Business Platinum Card and the Business Gold Card.

The Business Platinum Card from American Express has an annual fee of $695.

If you're thinking of applying, you'll need to meet the eligibility criteria.

The Business Platinum Card offers a welcome offer of 150,000 Membership Rewards points after spending $20,000 in eligible purchases within the first 3 months.

You can also get a statement credit of up to $120 toward the application fee for TSA Precheck or Global Entry.

One thing to note is that there's no foreign transaction fee on this card.

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What Credit Score Is Needed?

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To get approved for the Capital One Venture X Business card, you'll need an excellent credit score, which the issuer considers to be 800 and above.

The good news is that you can still apply for the card even if your score isn't excellent, but keep in mind that it may be difficult to get approved.

With a high credit score, you'll have a better chance of being approved for the card and enjoying its benefits, such as the annual $300 credit for bookings through Capital One Travel.

How to Apply

To apply for the Capital One Venture X Business Rewards Credit Card, you can find the current best welcome bonus offer and application link at the top of this page.

The first step is to click on the application link and fill out the online application. This will require providing some basic information about your business.

You'll need to provide your business name, address, and tax ID number, as well as some personal information such as your name, address, and social security number.

Apr

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The APR (Annual Percentage Rate) varies between these two cards. The Amex Business Gold has a Pay Over Time option with an APR of 18.74% - 27.74% Variable.

The Venture X Business card doesn't allow cardmembers to carry a balance, so it doesn't have an APR.

Comparison and Fees

The Venture X Business has an annual fee of $395, which is a significant amount, but you might be wondering how it stacks up against other cards. The American Express Business Gold Card has a similar annual fee of $375, while the Ink Business Preferred Credit Card has a much lower annual fee of $95.

The regular APR for the Venture X Business is a variable rate between 20.74% and 26.74%, which is higher than the American Express Business Gold Card's variable rate between 18.74% and 27.74%. The Ink Business Preferred Credit Card also has a variable APR, but its range is not specified.

Credit: youtube.com, Capital One Venture vs. Venture X (Full Comparison)

If you're planning to make a large purchase, you might be interested in the intro APR offered by the American Express Business Gold Card, which is 0% for 6 months from the date of account opening. The Venture X Business and Ink Business Preferred Credit Card do not offer an intro APR.

Here's a comparison of the annual fees and recommended credit scores for these three cards:

Rewards and Perks

The Venture X Business card offers a range of rewards and perks that can help business owners earn miles and save money on travel.

You can earn 10 miles per dollar on hotels and rental cars booked via Capital One Travel, and 5 miles per dollar on flights booked via Capital One Travel.

The card also offers 2 miles per dollar on every purchase, which is a great option for business owners with varied spending habits.

One of the standout features of the Venture X Business card is its travel benefits, including an annual $300 Travel Credit, which gives you 10,000 bonus miles each year starting at the first anniversary.

Credit: youtube.com, Capital One Venture X Business better than AMEX Platinum Business credit card?

You can also get Premier Collection Access, which includes a $100 experience credit, daily breakfast for two, and other premium benefits when booking through Capital One.

Additionally, you'll receive up to $100 credit for Global Entry or TSA PreCheck when you use your Venture X Business card, with one statement credit every four years.

Here are some of the key rewards and perks of the Venture X Business card:

  • 10 miles per dollar on hotels and rental cars booked via Capital One Travel
  • 5 miles per dollar on flights booked via Capital One Travel
  • 2 miles per dollar on every purchase
  • Annual $300 Travel Credit (10,000 bonus miles each year)
  • Premier Collection Access with $100 experience credit and more
  • Up to $100 credit for Global Entry or TSA PreCheck

Frequently Asked Questions

What are the downsides of Capital One Venture X?

The Capital One Venture X has a $395 annual fee and high interest rate, making it a costly option for some users. Additionally, it requires excellent credit, with a minimum credit score of 750 for approval.

What is the minimum income for venture x?

To qualify for the Capital One Venture Rewards Credit Card, your monthly income must be at least $425 more than your monthly rent or mortgage payment. Meeting this minimum income requirement increases your chances of approval, but higher income can further improve your chances.

How much does Capital One Venture X Business cost?

The Capital One Venture X Business card has an annual fee of $395. You can get a travel credit for the difference if you cancel within 24 hours of booking.

Is there a Capital One Venture X business card?

Yes, Capital One offers a business credit card called Venture X Business, which offers rewards and benefits for business owners. This card provides unlimited 2X miles with no preset spending limit.

What credit score do you need for Capital One Venture X Business?

To be approved for the Capital One Venture X Business Card, you'll typically need a credit score of 740 or higher, but income and relationship with Capital One are also considered. Check your credit score and other requirements before applying.

Carlos Bartoletti

Writer

Carlos Bartoletti is a seasoned writer with a keen interest in exploring the intricacies of modern work life. With a strong background in research and analysis, Carlos crafts informative and engaging content that resonates with readers. His writing expertise spans a range of topics, with a particular focus on professional development and industry trends.

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