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Capital One has done what few other high-end travel credit cards issuers have been able to do — create products that offer valuable benefits without charging sky-high annual fees. This rings true for both its business and personal products.
While the Capital One Venture X Rewards Credit Card is marketed toward consumers, its companion — the Capital One Venture X Business — is made for small businesses. The cards share very similar names, but there are some key differences between the pair.
Let's take a look at the similarities and differences between the Capital One Venture X and Venture X Business to help you tell them apart and decide which one may be right for you.
$395
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights when booking via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on all other eligible purchases
$395
- 10X miles per $1 on hotels and rental cars booked via Capital One Business Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights booked via Capital One Business Travel
- 5X miles per $1 on vacation rentals booked via Capital One Business Travel
- 2X miles per $1 on other eligible purchases
Page Contents
- Capital One Venture X Business vs Capital One Venture X Welcome Offer
- Capital One Venture X Business vs. Capital One Venture X Annual Fee
- When to Use Capital One Venture X Business vs. Capital One Venture X
- Other Capital One Venture X Business Benefits vs. Capital One Venture X
- Capital One Travel Portal
- Capital One Miles
- Which Is Better: Capital One Venture X Business or Capital One Venture X?
Capital One Venture X Business vs Capital One Venture X Welcome Offer
So, how does the Capital One Venture X vs Venture X Business competition stack up? Both of these cards provide a bonus when new applicants meet a minimum spending requirement. These offers can be a great way to build your balance in a short period of time.
Here are the current offers:
- Capital One Venture X: 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
- Venture X Business: 150,000 Miles once you spend $30,000 in the first 3 months from account opening
As you can see, the Venture X Business will provide you with a larger welcome offer. However, to earn this, you'll need to spend a significantly higher amount during the first few months after opening the card. This is a huge amount of spending to put on a single card and may be out of reach for some small business owners.
The Capital One Venture X, meanwhile, features a bonus of just 75,000 miles, but the threshold to earn these miles is much lower, making it much more accessible overall.
To put these bonuses into context, the average redemption value of a Capital One mile is 2.04¢.
But despite the fact that the welcome offers are so different, we still think that the Capital One Venture X is the winner. Much like the less expensive Capital One Venture Rewards Credit Card, it is available to all customers—not just those who own a small business—and has a more achievable spending requirement.
Winner: Capital One Venture X
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights when booking via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on all other eligible purchases
Capital One Venture X Business vs. Capital One Venture X Annual Fee
These cards are marketed as premium travel cards, which means you'll be on the hook for several hundred dollars per year in annual fees.
While they're cheaper than competitors, such as the American Express Platinum Card® (which charges $895 per year (Rates & Fees)), you'll still need to pay $395 each year for both the Venture X Business and the Capital One Venture X.
Winner: Tie
Related: Understanding Rewards Credit Card Application Rules and Restrictions
When to Use Capital One Venture X Business vs. Capital One Venture X
No Capital One Venture X vs Venture X Business competition is complete without checking out the number of points that they earn. However, both cards share the same rewards-earning structure:
- 10X miles per $1 on hotels and rental cars booked via Capital One Business Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights booked via Capital One Business Travel
- 5X miles per $1 on vacation rentals booked via Capital One Business Travel
- 2X miles per $1 on other eligible purchases
You'll also want to note that the Capital One Venture X is a standard credit card, like the ones you'll find elsewhere. This means you'll have a predetermined credit limit and can carry a balance from month to month (though we don't recommend doing so), paying interest on any balance you carry.
The Venture X Business, meanwhile, is a charge card that you'll need to pay in full each month. This means you'll want to be sure that you always have the liquid assets available to pay off your statement in order to keep using your card. Not paying your balance in full can result in heavy fees or the inability to make future purchases until you pay off your full balance from the previous billing period.
Winner: Tie. Which you prefer will depend on your needs.
- 10X miles per $1 on hotels and rental cars booked via Capital One Business Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights booked via Capital One Business Travel
- 5X miles per $1 on vacation rentals booked via Capital One Business Travel
- 2X miles per $1 on other eligible purchases
Other Capital One Venture X Business Benefits vs. Capital One Venture X
Airport lounge access
These cards offer unlimited airport lounge access while traveling, including entry to Capital One Lounges and Capital One Landings. Unfortunately, as of February 1, 2026, lounge access policies for both the Capital One Venture X and Venture X Business have changed.
Now, only primary cardmembers of either card get a Priority Pass Select membership and access to Capital One Lounges and Landings. If you want to bring a guest into a Capital One Lounge location without paying the $45 fee, cardmembers need to spend $75,000 on their card in a calendar year. Additionally, authorized users can no longer access lounges unless they pay a $125 annual lounge access fee.
If you hold a Capital One Venture X, you've also lost complimentary guest access to participating Priority Pass™ lounges. You'll need to pay $35 per person per visit. Venture X Business cardmembers can still bring two guests free of charge.
The lounge access changes are disappointing to say the least. The ability to give authorized users complimentary lounge access without any additional fee put Capital One leaps and bounds ahead of the competition. Now, it's nothing special and is only helpful if you travel solo or are a heavy spender.
Winner: Tie
Annual, monthly, or other credits
Both cards come with identical credits, including:
- $300 annual travel credit valid for bookings made through Capital One Travel
- 10,000-mile anniversary bonus
- Up to $120 Global Entry/TSA PreCheck application fee credit (available every four years)
Winner: Tie
Related: Take Advantage of Capital One Venture X‘s Lesser-Known Benefits
Additional cards
The Venture X Business is a business charge card, which means that any additional cards you get will be employee cards. While they're free (no additional annual fee for adding more cards to your account), they have very limited benefits. This basically means you'll earn miles on their purchases, but they're not able to take advantage of the other perks the card offers.
The only exceptions to this are the travel and purchase protection insurance offered by the card and the ability to access the Capital One Travel portal (or the Capital One Business Travel portal, depending on the card).
The Capital One Venture X also offers the ability to add additional cards for free. However, the benefits associated with being an authorized user of the Capital One Venture X outweigh those of its business version. You can add up to four authorized users to our account for free, and they'll enjoy Hertz President's Circle elite status and purchase and travel protections.
Winner: Capital One Venture X
Related: Benefits of Capital One Venture X Authorized User Cards
Travel insurance protections and other benefits
As premium travel cards, both the Venture X Business and Capital One Venture X offer protections on purchases you've made with your card. However, both cards can be issued by either Visa or Mastercard, so travel insurance benefits can vary.
You should expect to receive the following perks on either card:
- Rental car damage and loss protection: This primary insurance reimburses you for theft or damage to your rental car.
- Trip cancellation/interruption insurance: This will provide reimbursement for nonrefundable costs forfeited for cancellations or delays for covered reasons.
- Trip delay insurance: This insurance will pay for reasonable expenses incurred starting with delays of six hours.
- Baggage insurance plan: Coverage for luggage that has been lost.
- Extended warranty protection: Receive an additional year of warranty protection
Both cards also offer cell phone insurance, an extended warranty, and purchase protection for loss or theft within 90 days of buying the item. However, since it's not clear before you receive the card whether you'll get a Mastercard or a Visa (or what type of Visa you'll receive), it can be difficult to understand what perks your card will offer until it arrives in the mail with a benefits guide. That said, we'll award the winner to the card that at least touts these benefits on the application page.
Winner: Capital One Venture X
Combining rewards
You'll earn Capital One miles with both cards, which means you can share them with absolutely anyone for free.
Winner: Tie
Capital One Travel Portal
Capital One Travel (alongside Capital One Business Travel) is a portal that allows you to book hotels, rental cars, and flights for elevated earnings. Both cards provide access to this portal — both for primary cardholders and any additional cardholders.
Capital One also offers the Premier Collection for those who hold these cards — on top of its Lifestyle Collection. Properties that participate in this program are high-end hotels with luxury benefits tacked on to each reservation, such as room upgrades, complimentary breakfast, and an on-property credit of $100. Plus, Capital One offers a fourth night free benefit on qualifying stays.
Capital One Miles
Capital One's miles are among the most valuable that customers can earn. Among their many benefits, Capital One miles can be transferred to 22 different hotel and airline partners, including the following partners, transfer rates, and average transfer times:
The Venture X Business and the Capital One Venture X earn the same quantity of miles for purchases and have identical redemption options. Along with transfers to partners, Capital One miles can be redeemed for gift cards, recent travel purchases, and statement credits, plus redeemed to book travel in the Capital One portal.
Winner: Tie
Which Is Better: Capital One Venture X Business or Capital One Venture X?
Although the Venture X Business and the Capital One Venture X have a lot of very similar features, there are key areas in which they differ. First, the business version of the card is a charge card that must be paid in full each month, while the consumer card is a regular credit card.
Second, the benefits available to additional cardholders are very different. However, the biggest decision between the two cards is going to come down to whether you can spend enough to earn the massive sign-up bonus on the Venture X Business.
If so, the bounty of points on offer makes this card the winner. Otherwise, get the Capital One Venture X and take advantage of the much-easier-to-earn bonus.
For further details, see our Venture X Business review and Capital One Venture X review.
$395
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights when booking via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on all other eligible purchases
$395
- 10X miles per $1 on hotels and rental cars booked via Capital One Business Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights booked via Capital One Business Travel
- 5X miles per $1 on vacation rentals booked via Capital One Business Travel
- 2X miles per $1 on other eligible purchases
For rates and fees of the cards mentioned in this post, please visit the following links: American Express Platinum Card® (Rates & Fees)
