Venture One Business
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How we calculate effective rate →
The Venture One Business from Capital One earns up to 0.8% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening..
- Top category
- Dining
- Effective value
- 0.8%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use Capital One Miles the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 1.5x points. The welcome bonus can help if you can meet the spend requirement.
What does the Venture One Business earn in each category?
Dining is the strongest category at 0.8% effective value (1.5x points at about 0.5 cents each). That dining rate ranks higher than about 1% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Venture One Business compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0.8% effective value (1.5x points at about 0.5 cents each). That dining rate ranks higher than about 1% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Venture One Business compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5x points | 0.8% Top category |
| Grocery Supermarkets and grocery stores | 1.5x points | 0.8% |
| Gas Gas stations and fuel | 1.5x points | 0.8% |
| Travel Flights, hotels, transit | 1.5x points | 0.8% |
| Other General everyday spend | 1.5x points | 0.8% |
Madeen values Capital One Miles at about 0.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Venture One Business?
The Venture One Business fits spenders who put meaningful volume in dining and can earn 1.5x points. Best for spenders who put meaningful volume in dining and can earn 1.5x points. The welcome bonus can help if you can meet the spend requirement.
Venture One Business fits spenders who put meaningful volume in dining and can earn 1.5x points. Madeen ranks its dining effective rate higher than about 1% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5x points. The welcome bonus can help if you can meet the spend requirement.
Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use Capital One Miles the way you redeem today.
Pros
- Strongest Madeen category is dining at about 0.8% effective (1.5x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Capital One Miles value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the Venture One Business welcome bonus?
In Madeen's catalog snapshot, the Venture One Business welcome offer is Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 50k Capital One Miles (~$250 estimated)
- Terms (catalog snapshot)
- Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
- Minimum spend
- $4,500
- Window
- 3Months
Does the Venture One Business have an annual fee?
The Venture One Business has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Venture One Business?
The Venture One Business includes Car Rental Insurance, Extended warranty, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended warranty
$10,000/yrGet free additional warranty and protection on eligible items you purchase with your card.
Microsoft Advertising
$300/yrGrow your business and attract more customers with $300 in advertising credit after spending only $150 with Microsoft Advertising. Offer expires on 7/31/2026.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Melio
$100/yrPaying your business bills has never been simpler — or more rewarding. Get up to $100 in fee credits when you pay with Melio. Offer expires on 7/31/2027.
Roadside assistance
$50/yrOur business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
Rental collision insurance
$25/yrWith your VentureOne Business card, you’re covered for any damage or theft that may happen when you rent an eligible car.
Car Rental Insurance
$10/yrReimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart Business
$10/yrFuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer expires on 1/31/2027.
Intuit® QuickBooks® Online and QuickBooks Online Payroll
$10/yrSave 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
Intuit® TurboTax®
$10/yrSave 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
Related encyclopedia topics
Common questions about the Venture One Business
What credit score do you need to get a Capital One business credit card?
Madeen's catalog lists a typical credit range of Excellent for the Venture One Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the Venture One Business have an annual fee?
The Venture One Business carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Venture One Business?
Dining is the strongest Madeen category for the Venture One Business at about 0.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Venture One Business charge foreign transaction fees?
The Venture One Business does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Venture One Business welcome bonus?
The Venture One Business welcome offer in our snapshot: Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Venture One Business?
Madeen's catalog lists a typical credit range of Excellent for the Venture One Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Venture One Business compare to similar cards?
Compare the Venture One Business against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); SavorOne Dining Rewards (4% on Dining, $95 fee); The Key Rewards Visa (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Venture One Business This card | Dining | 0.8% | $0 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure