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Capital One Venture X Business

Business card Capital One Miles
Welcome bonus
150,000 miles
+ 150,000 more after $120,000 in 4 months (not in the $ figure)
≈ $2,550 at 1.7¢ per mile
after $40,000 spend in 4 months
Annual fee$395 
Value per mile~1.7¢median of 7 published valuations
First-year value*$992easy credits counted · $662 with none
Year 2+ value*$1,162each year after the first, after the fee · $832 with no credits
$395 fee vs $330 in stated credits a yearFace value. You’d use $330 by our default → yearly cost after year 1 $65 ↓
Worth ~1.7¢/mi, median of 7 published valuations

Range 1.3–2.09¢. Checked 2026-10-23. How we use these

See the offer on Capital One’s site ↗ Run your own numbers

Data checked by Chris Manns · Last updated October 23, 2026

Source: Capital One card page · checked October 23, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the community value of 1.7¢ per mile (median of published valuations) — see method.

Credits & perks

Annual fee$395
vs
Stated credits a year$330face value, as Capital One states it
Face value isn’t real value. A $25-a-month credit for something you’d never buy is worth $0 to you, and most credits are use-it-or-lose-it by month, quarter or half-year. Tick only what you’d spend on anyway.

Which would you actually use?

Our assumption: the boxes ticked to start are the “easy” credits: broad, flexible or automatic (general travel credits, airline-fee credits on any airline, Global Entry/TSA, anniversary free nights). Niche or single-merchant credits start unticked. Your choices are saved in this browser and also used by the calculator.

Your net cost$65Yearly cost after year 1: annual fee − credits you’ll use ($330)
Year 2+ value*$1,162each year after the first, after the annual fee, with your ticks
First-year value*$992bonus + earning + credits − fee

Counts each ticked credit at 100% of face value. Global Entry/TSA counts as a quarter a year. Free nights use our point values. *At our sample profile; how credits are counted.

Perks with no stated $ value

Lounges, status, bags and similar. We don’t put a number on these unless the issuer does.

  • lounge Capital One Lounges and 1,300+ Priority Pass lounges
  • status Hertz President’s Circle status
  • travel Premier Collection: $100 experience credit on each booking

Source: Capital One card page and benefit terms · checked 2026-10-23.

How it earns

  • 10x Travel booked on the card’s own travel site
  • 2x everything else
  • 10x hotels and rental cars, 5x flights and vacation rentals via Capital One Business Travel; 2x everything else.

Annual bonus points

  • 10,000 anniversary bonus miles

Offer details

  • 150,000 miles after $40,000 in 4 months
  • + 150,000 more after $120,000 in 4 months
  • Also a $1,000 Capital One Business Travel credit at the $120,000 tier (not counted)

Annual fee $395. Credits from the issuer page are in Credits & perks above.

Questions about the Capital One Venture X Business

What is the Capital One Venture X Business welcome bonus?

150,000 miles after $40,000 in 4 months (+ 150,000 more after $120,000 in 4 months), about $2,550 at the median published point value, per Capital One’s card page checked October 23, 2026.

What is the Capital One Venture X Business annual fee?

$395 a year, as listed on Capital One’s page on October 23, 2026.

How much are its miles worth?

About 1.7¢ each: the median of 7 published valuations (range 1.3–2.09¢), checked October 23, 2026.

What credits does the Capital One Venture X Business include?

$330 a year in stated credits at face value, across 2 credits. By our default (only easy, flexible credits) you’d use $330, so the yearly cost after year 1 is $65.

Is the Capital One Venture X Business worth it?

It depends on your spending. At our sample profile ($31,100 a year, easy credits only) it comes to $992 in the first year and $1,162 each year after (Year 2+ value, after the annual fee). Enter your own numbers in the calculator.

Data notes:
  • Limited-time offer; second 150,000-mile tier needs $120,000 spend in 4 months.

The math at our sample profile

Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.

A year of earning: 62,200 miles × 1.7¢$1,057
Annual bonus points (10,000) from year 2$170
Annual Capital One Business Travel credit$300
Global Entry / TSA PreCheck credit ($120 ÷ 4 yrs)$30
Annual fee−$395
First year / Year 2+$992 / $1,162
Your spend (~$10,367 in 4 months) may miss the $40,000 minimum, so the bonus is not counted.

Use my own spending →

Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.