Capital One Venture Business Business Credit Card

【Note】If this is your first time applying for a business credit card, please first read “Introduction to Business Credit Cards” carefully.

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Full review

Capital One Venture Business

$100 annual credit, 2x on all purchases, and excellent overall value!

  • Welcome bonus: 100,000 (3 months spend $10,000)
  • Rewards: 5x on hotels and rental cars booked through Capital One; 2x on everything else
  • Redemption: Can be redeemed for cash; can also be transferred to airline points and hotel loyalty programs
  • Annual fee: $95
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Benefits

  • $50 annual travel credit: You can receive $50 back each cardmember year, and bookings must be made through the Capital One Business Travel Portal.
  • $50 annual credit for advertising and software purchases: Eligible purchases in these two categories are reimbursed automatically. Categories are determined based on the merchant’s MCC.
  • Global Entry/TSA Pre: This card has added a Global Entry/TSA Pre reimbursement benefit. You can receive up to $120 back every four years, and you must pay with this card.

Capital One Points Overview

  • Point Value: Average value is 1.2c/p, so 100 points = $1.2 (Point Values & Analysis)
  • Redeem Directly: Redeem at 1c/p toward travel purchases or various gift cards; cash out directly at 0.5c/p
  • Transfer Partners: Transfer 1:1 to Air Canada miles (good for US-China flights and infant tickets), British Airways (short nonstop flights, Avianca miles (good for US-China business class, ANA and Asiana US-China first class, and no YQ on award tickets), Qantas Airways miles (good for domestic US nonstop flights and flights from the US East Coast to Western Europe), TAP Portugal Miles&Go, Turkish Airlines Miles&Smiles, Flying Blue, Club Premier, Asia Miles, Etihad Guest, Finnair Plus, Wyndham, and Choice. Transfer times range from instant to several days.
  • Points Feature: You can pool all of your Capital One points into one account and use them together.
  • My Take: Capital One has fewer transfer partners, so compared with some other programs it is a bit less flexible and valuable. The more useful partners are AC and Avianca. Redeeming points for travel at 1c/p is also a solid option, and you can still earn miles, which makes it much easier than transferring points for award tickets.
  • Detailed Analysis: Capital One Points Guide>>

My Take

The points from this card can also be transferred to airline miles, which can deliver better value than cash redemptions for business-class flights. That said, it would be even better if the transfer partners were stronger. After the revamp, this card now comes with $100 in annual credits; if you can fully use them, it’s effectively like paying no annual fee, which makes it a very solid value. And the current welcome bonus is especially strong.

Capital One Credit Card Application Guide

  • Application status can only be checked by phone: (800) 903-9177
  • Capital One applications usually pull reports from all three credit bureaus. You may be able to avoid a hard pull by freezing some of your credit reports.
  • You can apply for only one Capital One credit card every six months, including both personal and business cards. If you force another application, it will likely be instantly denied, but it will not result in a hard pull.
  • One person can hold at most two Capital One personal credit cards at the same time, counting only Capital One-issued cards.
  • If you do not qualify for the card you applied for, you may be automatically approved for a different card instead, usually a lower-tier version. You can choose to accept or decline it, and there will be no additional hard pull.
  • New applicants may be asked to upload ID during the application process.
  • More on applying for Capital One credit cards

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