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Capital One · creditBusiness
Last updated
Is the Venture Business worth keeping when the fee hits?
Welcome offer — 50,000 miles after $4,500 spend in 3 months (standing offer) Inferred by source
Portal caveat — Capital One Travel averages ~0.76% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Capital One's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 5× | Hotels & rental cars via Capital One Travel Verified by source |
|---|---|
| 2× | Every purchase Verified by source |
Capital One miles points transfer to these loyalty programs. Mostly 1:1 (Accor 2:1). Inferred by source
| Airlines (16) | |
|---|---|
| Hotels (3) |
| Capital One Business Travel credit | $50/yr · annual Verified by source |
|---|---|
| Advertising / software credit | $50/yr · annual Verified by source |
Which of these will you actually use?
Pre-checked = a typical cardholder captures it. Uncheck the ones you won't.
No lounge access.
| Rental car CDW | Auto rental collision damage waiver (secondary) Inferred by source |
|---|
Using Venture Business at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | 5% of each advance, minimum $5 Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Capital One Venture Business has a $95 annual fee.
Using its non-spend-gated credits fully, the Capital One Venture Business returns about $100 in value against its $95 annual fee — a net of +$5 per year. It can pay for itself if you actually use the credits.
The Capital One Venture Business earns 5x on hotels & rental cars via capital one travel, 2x on every purchase.
No — the Capital One Venture Business does not include airport lounge access.
No — the Capital One Venture Business has no foreign transaction fee, so it's a good card to use abroad.
50,000 miles after $4,500 spend in 3 months (standing offer). Welcome offers change frequently — confirm the current one on the issuer's page before applying.