Capital One Venture Business
This card is for small businesses that want travel miles without premium pricing. Every purchase earns 2X miles and Capital One Business Travel bookings earn 5X. A $50 travel credit, a $50 advertising or software credit and a $120 Global Entry or TSA PreCheck credit offset the $95 fee. The caveat: no lounge access; that lives on the Venture X Business.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 100,000-mile welcome offer, worth $1,000 or more in travel
- Unlimited 2X miles with no category tracking
- Up to $220 in yearly credits: $50 travel, $50 advertising or software, $120 Global Entry or TSA PreCheck every 4 years
- Free employee cards that earn the same rates
- Hertz Five Star status and Lifestyle Collection access
- No foreign transaction fees
- Annual fee: $95
- Regular purchase APR: 24.49% Variable
- Intro APR: N/A
- Balance transfers: see issuer's pricing and terms
- Cash advance fee: see issuer's pricing and terms
- Late payment fee: see issuer's pricing and terms
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change.
- Your business spends across many categories, so flat 2X miles beats category cards.
- You can put $10,000 on the card in 3 months and collect 100,000 miles.
- You already buy ads or software, so the $50 credit is money you were spending anyway.
- You want employee cards that feed one miles balance at no extra cost.
- You should skip it if lounge access matters: that requires the Venture X Business at $395.
Score guess
Guess your credit score
Drag the dial to your best guess. Then see which cards people around that score got approved for.
A guess, not a credit check: nothing here touches your credit. Score ranges from FICO.
Your guess: 700
Approved at 670 to 739
Capital One Venture Business Review
In April 2026 Capital One renamed Spark Miles to Venture Business and added yearly credits. This review covers the new structure: what changed, what the credits are worth, and how it stacks against the Venture X Business.
How You Earn
Flat 2X on everything, with a 5X portal rate for travel bookings.
- Employee card spending earns the same rates
- Miles pool in one business account
| Category | Earn rate |
|---|---|
| Hotels, vacation rentals and rental cars via Capital One Business Travel | 5X miles |
| All other purchases | 2X miles |
How You Redeem
Business miles redeem exactly like consumer Venture miles.
- Erase travel purchases with statement credits
- Book through Capital One Business Travel
- Transfer miles to Capital One's airline and hotel partners
Benefits and Protections
The 2026 refresh added recurring credits to a formerly plain card.
- $50 annual Capital One Business Travel credit
- Up to $50 annual advertising or software statement credit
- Up to $120 Global Entry or TSA PreCheck credit every 4 years
- Hertz Five Star status
- Extended warranty and fraud protections
Who This Card Is For
This card fits small businesses that travel a few times a year and want simple earning with real credits. It replaced Spark Miles with a better package at the same fee. Businesses that revolve balances should note the single 24.49% APR.
- Small businesses starting with travel rewards
- Owners who want one flat rate on all spend
- Teams that buy advertising or software monthly
Comparison
| Feature | Venture Business | Citi / AAdvantage Business | Amex Business Platinum |
|---|---|---|---|
| Annual Fee | $95 | $0 intro first year, then $99 | $895 |
| Welcome Offer | 100,000 miles after $10,000 in 3 months | 65,000 miles after $4,000 in 4 months | As high as 300,000 points after $20,000 in 3 months |
| Rewards Rate | 2X miles everywhere | 2X American Airlines and select business categories | Bonus rates via Amex portal; 1X base |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Flexible business miles | AA-loyal small businesses | Premium perks |
Issuer Comparison
| Feature | Venture Business | Venture X Business | VentureOne Business |
|---|---|---|---|
| Annual Fee | $95 | $395 | $0 |
| Welcome Offer | 100,000 miles after $10,000 | 150,000 miles after $30,000 | 50,000 miles after $4,500 |
| Rewards Rate | 2X miles everywhere | 2X miles everywhere | 1.5X miles everywhere |
| Key Credits | $50 travel plus $50 advertising or software | $300 travel credit plus 10,000 anniversary miles | None |
| Best For | Business travel starters | Premium business travel | No annual fee |
Approval results for this card
4 results: 4 approved, 0 denied. An approval rate appears from 5 decided results.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 800 and above | Not sure | $25k to $50k | NY | Jun 2026 |
| Approved | 670 to 739 | Not sure | - | NJ | Apr 2026 |
| Approved | 800 and above | Not sure | $75k to $100k | NY | Apr 2026 |
See all 4 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
