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Capital One has been on a mission with its credit cards over the last few years. In its bid to increase market share, this has meant releasing new cards to compete with other high-end travel credit cards. 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 — and even earn the same transferable rewards currency — but there are some key differences between them.
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.
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
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per $1 on flights booked via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on other eligible purchases
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 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
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:
- Venture X Business: 150,000 Miles once you spend $30,000 in the first 3 months from account opening
- Capital One Venture X: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
As you can see, the Venture X Business will provide you with thousands of miles as a welcome offer. However, to earn this, you'll need to spend a significantly higher amount during the introductory period. 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.
According to recent AwardWallet user redemptions, the average value of a Capital One mile is 2.01¢. This makes the welcome offer provided by the Capital One Venture X worth over $2,000, while the full offer provided by the Venture X Business is worth around $3,000. Despite this, we still think that the Capital One Venture X is the winner. Much like the less expensive Venture Card options, it is available to all customers (not just those who have a 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 (through 12/31/2025)
- 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 Platinum Card® from American Express (which charges $695 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
These share the same rewards-earning structure:
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per $1 on flights booked via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One 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 that you'll have a predetermined credit limit and will be able to carry a balance (though we don't recommend doing so) from month to month, paying interest on any balance you carry forward.
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 Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per $1 on flights booked via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on other eligible purchases
Other Capital One Venture X Business Benefits vs. Capital One Venture X
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 higher 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.
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 far outweigh those of its business version. You can add up to four authorized users to our account for free, and they'll enjoy these perks:
- Hertz President's Circle elite status.
- Priority Pass Select membership.
- Access to Capital One Lounges.
- Purchase and travel protections.
Rental car elite status is all well and good, but the most valuable perk here is that each authorized user receives their own Priority Pass Select membership. This grants them (and their guests) unlimited access to more than 1,400 airport lounges worldwide.
Winner: Capital One Venture X
Related: Benefits of Capital One Venture X Authorized User Cards
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
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
Airport lounge access
These cards offer unlimited airport lounge access while traveling, including entry to Plaza Premium Lounges and Capital One Lounges. However, while the Capital One Venture X allows authorized users to gain entry on their own, the Venture X Business doesn't.
Unlike most Priority Pass Select memberships offered by card issuers, the one provided by the Venture X Business includes credits for Priority Pass spas and restaurants. This is an excellent option when lounges aren't available, and access isn't included with the Capital One Venture X.
Winner: Venture X Business
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 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. 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.
Winner: Tie
Related: Why You Should Never Redeem Capital One Miles Through Capital One Travel
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 19 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
Related: Why You Should Never Redeem Capital One Miles Through Capital One Travel
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. Those with a partner or family member with whom they want to share benefits will fare better with the Capital One Venture X since it is much more generous in extending benefits.
Finally, the Venture X Business is the best option for frequent travelers whose airports don't feature Priority Pass lounges but do have affiliated spas, restaurants, and sleep rooms. Although the Capital One Venture X lost access to Priority Pass restaurants and spas nearly a year ago, this benefit is alive and well for business consumers.
For further details, see our Venture X Business review and Capital One Venture X review.
For rates and fees of the cards mentioned in this post, please visit the following links: The Platinum Card® from American Express (Rates & Fees)
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