Capital One Venture X vs. Venture X Business: Which Card Is Right for You?
Over the past few years, the Capital One Venture X Rewards Credit Card has become one of the most popular premium credit cards on the market. In 2023, Capital One also rolled out the Capital One Venture X Business. At first glance, the two cards look almost identical: same annual fee, similar earning structure, and overlapping perks. Let’s dive a little deeper at the differences to see which one is a the best fit for you!
Shared Features of the Venture X and Venture X Business
The Venture X and Venture X business both have a $395 annual fee.
They also both offer:
An Annual Travel Credit: Get a $300 credit on bookings made through Capital One Travel (including your first year!)
An Anniversary Bonus: 10,000 bonus miles every cardmember anniversary (worth at least $100 in travel)
(The annual travel credit and anniversary bonus alone offset the $395 annual fee every year!)
Airport Lounge Access: Capital One Lounges + Priority Pass (Free food & comfortable chairs at the airport!)
Global Entry or TSA Precheck® Credit: Skip the airport lines!
Earning Rates of:
10× miles on hotels and rental cars booked via Capital One Travel
5× miles on flights booked through Capital One Travel
2× miles on all other purchases
Ability to cover any travel purchase with Venture Miles: This makes Capital One miles one of the easiest and most flexible points to use. To learn how to cover your travel purchase with Venture miles, read here.
Transfer Partners: Access to Capital One’s airline and hotel partners! This option often makes your points worth more than 1 cent per point! To learn more about how to transfer your Capital One miles, read here.
The biggest difference between the Venture X and Venture X business:
The biggest difference between the personal and business Venture X is the welcome offer and minimum spends!
My Take:
If you can meet the minimum spend and if you qualify for a business card, the Venture X Business would be my pick because the welcome offer is so much higher! If not, you can’t go wrong with the Venture X!
You can hold both cards at the same time, however, you need to space out your Capital One credit card applications at least 6 months apart!
As always, I appreciate it so much when you use my credit card affiliate links to apply for a new credit card! It supports my small business at no cost to you!
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