Venture X Business
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How we calculate effective rate →
The Venture X Business from Capital One earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $395. New applicants may see: Earn 150,000 bonus miles when you spend $30,000 in the first 3 months, which is equal to $1,500 in travel..
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $395
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 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Venture X Business earn in each category?
Dining is the strongest category at 1% effective value (2x points at about 0.5 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Venture X Business compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (2x points at about 0.5 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Venture X Business compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 1% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 1% |
| Gas Gas stations and fuel | 2x points | 1% |
| Travel Flights, hotels, transit | 2x points | 1% |
| Other General everyday spend | 2x points | 1% |
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 X Business?
The Venture X Business fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Venture X Business fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 2% 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 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Less compelling if the $395 annual fee is hard to offset. 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 1% effective (2x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $395 annual fee requires enough spend in bonus categories to offset.
- 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 X Business welcome bonus?
In Madeen's catalog snapshot, the Venture X Business welcome offer is Earn 150,000 bonus miles when you spend $30,000 in the first 3 months, which is equal to $1,500 in travel.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 150k Capital One Miles (~$750 estimated)
- Terms (catalog snapshot)
- Earn 150,000 bonus miles when you spend $30,000 in the first 3 months, which is equal to $1,500 in travel.
- Minimum spend
- $30,000
- Window
- 3Months
Does the Venture X Business have an annual fee?
The Venture X Business has an annual fee of $395 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $395
- Foreign transaction fee
- None
What travel perks does the Venture X Business include?
The Venture X Business includes Trusted traveler credit, Lounge access, $300 Annual Travel Credit, 10,000 Miles Anniversary Bonus and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
Receive up to a $120 credit for Global Entry or TSA PreCheck
Lounge access
Capital One Lounge - Enjoy unlimited free visits for Venture X Business cardholders | Priority Pass™ - Receive complimentary membership with your Venture X Buisness card.
What benefits come with the Venture X Business?
Extended Warranty
$10,000/yrGet free additional warranty and protection on eligible items that you purchase with your card.
Purchase Security and Extended Protection
$10,000/yrPurchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
Lost Luggage Reimbursement
$3,000/yrWhen you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
Travel Accident Insurance
$3,000/yrAdd peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Trip Delay Reimbursement
$500/yrAnticipate delays when you purchase air travel with your covered Visa card. With Trip Delay coverage, you can receive up to $500.00 when you’re stuck for more than 6 hours due to a covered hazard such as equipment failure, inclement weather, strike and hijacking/skyjacking.
$300 Annual Travel Credit
$300/yrReceive an annual $300 credit for bookings through Capital One Travel.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Infinite Concierge Services
$150/yrEnjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
Global Entry & TSA PreCheck®
$120/yrGo through airport security and customs more quickly with Venture X Business. Receive up to a $120 statement credit on Global Entry or TSA PreCheck®
OpenTable
$120/yrUnlock primetime reservations at some of the hottest restaurants in select cities with OpenTable and your eligible Visa card.
Capital One Lounge
$99/yrEnjoy unlimited free visits for Venture X Business cardholders.
Related encyclopedia topics
What annual spend bonuses does the Venture X Business offer?
- You will earn 10,000 bonus miles after your anniversary each year, starting with your first anniversary.
Common questions about the Venture X Business
Is the Capital One Venture X Business card worth it?
The Venture X Business from Capital One earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $395. New applicants may see: Earn 150,000 bonus miles when you spend $30,000 in the first 3 months, which is equal to $1,500 in travel..
How much is $400,000 Capital One miles worth?
Dining is the strongest Madeen category for the Venture X Business at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
How to qualify for Venture X Business?
Madeen's catalog lists a typical credit range of Excellent for the Venture X Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the Venture X Business have an annual fee?
The Venture X Business carries an annual fee of $395 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 X Business?
Dining is the strongest Madeen category for the Venture X Business at about 1% 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 X Business charge foreign transaction fees?
The Venture X 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.
How does the Venture X Business compare to similar cards?
Compare the Venture X 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 X Business This card | Dining | 1% | $395 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
Side-by-side comparisons
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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.
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