Edited by: Nick Ellis
& Stella Shon
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When a credit card issuer introduces a popular card, it’s not uncommon to see both a consumer version and a business version.
Take, for example, The Platinum Card® from American Express and The Business Platinum Card® from American Express, or the Chase Sapphire Preferred® Card and the Ink Business Preferred® Credit Card.
Today we’ve chosen a similar card match-up with the Capital One Venture X Business Card (Information collected independently. Not reviewed by Capital One) and the Capital One Venture X Rewards Credit Card.
While the cards are strikingly similar, the business version of the card is obviously designed for business owners, and the consumer card for personal use.
There are even more features that differentiate the cards, and that’s the focus of our article today.
We’ll examine whether one card is better for your situation or if you might want to consider both of the cards. Just keep that thought in mind as we move forward with our card comparison.
But first, here’s an abbreviated summary of how the cards compare when we look at the key attributes of both cards side-by-side.
|Feature or Benefit|
|Top Redemption Options||
|Top Travel Protections and Benefits||
|Top Shopping Protections and Benefits||
|Annual Fee and Authorized Users||
Once you’re approved for either the Capital One Venture X Business card or the Capital One Venture X card, you’ll have an opportunity to earn a generous welcome bonus offer of Capital One miles. This is a unique chance to jumpstart your rewards earnings.
The welcome bonus is earned by meeting minimum spending amounts in the specified period after card approval.
It’s worth noting that the Capital One Venture X Business card has had a much larger welcome offer than the Capital One Venture X card but also has had a much higher spending requirement. Keep this in mind when comparing welcome offers between the 2 cards.
Offers do change, so you’ll want to check for the most current one before applying. Here are some snapshots of current welcome offers and more information on our featured cards:
There are several ways to start earning Capital One miles the minute you receive your Capital One Venture X Business card or Capital One Venture X card.
Let’s look at how referring family and friends, spending on the card, and earning bonus miles at renewal can help rewards add up quickly.
One way to earn Capital One miles after you’re approved for a card is to refer friends or family. While the Capital One Venture X card can currently be referred to, the Capital One Venture X Business card may not.
Once your referral has been approved for a card, you could receive up to 25,000 miles for each referral, up to 100,000 miles per year.
Here’s how to refer family or friends for the Capital One Venture X card — but be sure to check your account for targeted offers if you have either card.
Capital One is known for its simplicity when it comes to earning structures, and the Capital One Venture X Business card and Capital One Venture X card continue to follow that philosophy.
Earning on either card is consistent — you’ll earn well on travel purchased via the Capital One Travel portal and 2x miles on every other purchase.
|Spending Category||Capital One Venture X Business Card||Capital One Venture X Card|
|All Other Purchases||
2x miles on all other purchases
You’ll receive 10,000 Capital One bonus miles at card renewal, starting with your first renewal for either the Capital One Venture X Business card or the Capital One Venture X card.
Learn more about all the best ways to earn Capital One miles.
At redemption time, you’ll want to maximize those hard-earned rewards. Here are the options you’ll have on both the Capital One Venture X Business card and the Capital One Venture X card:
|Redemption Option||Capital One Venture X Business Card||Capital One Venture X Card|
|Statement Credits||Redeem for a general statement credit at 0.5 cents per mile|
|Additional Redemption Options||Gift cards, Amazon shopping, checkout with PayPal, experiences|
Redeeming Capital One miles for travel via Capital One Travel or a statement credit for previous travel purchases made within the past 90 days results in a value of 1 cent for each mile. Redeeming miles for a general statement credit results in far less value.Hot Tip:
Book your flight with Capital One Travel to take advantage of complimentary price drop protection. If the price drops within 10 days after booking, you could receive up to $50 in travel credits for the price difference. Capital One Travel also has a price match guarantee.
The best potential value for your miles will be to transfer them to airline partners and purchase award flights.
While there are dozens of great redemption options, one good use of Capital One miles is to transfer them to Avianca LifeMiles and book transcontinental U.S. Polaris business class (with lie-flat seats!) on United Airlines. You can book transcontinental flights between New York and California for as few as 25,000 miles.
For inspiration on some of the best ways to redeem Capital One miles, we’ve done the work for you and put together a long list of ideas.
Travel protections can offer peace of mind knowing that you’ll receive assistance or help negating the unexpected expense if something goes wrong during your trip. Travel benefits can make your trip more comfortable and even provide a bit of luxury.
The Capital One Venture X Business card and Capital One Venture X card are both premium cards with plenty of premium benefits.
Here are some of the key protections and benefits you’ll find on both cards:
Reserve and pay for your rental car with your car, decline the rental agency’s CDW/LDW coverage, and receive primary coverage for damage, theft, loss of use, and customary towing. The rental period cannot exceed 15 days when in the U.S. or 31 days outside the country. Primary coverage means you do not have to file a claim with any other auto insurance before card coverage applies.
If your trip needs to be canceled or is interrupted for a covered reason, you and your immediate family members traveling with you could receive up to $2,000 per prepaid nonrefundable ticket.
If your trip is delayed more than 6 hours or overnight, you could receive up to $500 for qualifying incidentals, clothing, and hotel rooms.
Pay for your common carrier ticket with your card, and if your luggage is lost or stolen, you could receive up to $3,000.
Each year, receive a $300 annual credit toward travel purchases via Capital One Travel.
Enjoy a complimentary Priority Pass Select membership providing unlimited access to over 1,300 lounges worldwide for you and 2 additional guests. Registration is required.
One key difference in lounge access between the 2 featured cards is that the Capital One Venture X Business card provides access to Priority Pass lounge-alternative restaurant properties while the Capital One Venture X card does not (hat tip to One Mile at a Time).
Additionally, authorized users on the Capital One Venture X card enjoy Priority Pass and Capital One Lounge access, the same as primary cardholders, while employee cardholders on the Capital One Venture X Business card do not have lounge access (hat tip to One Mile at a Time).
Book your Premier Collection or Lifestyle Collection hotel stay via Capital One Travel and enjoy a room upgrade (when available), daily breakfast for 2, complimentary Wi-Fi, early check-in/late checkout, and, best of all, up to $100 in credit for an onsite experience during your stay!
You’ll find the Capital One Venture X Business card and Capital One Venture X card (rates and fees) are excellent travel companions as neither card charges foreign transaction fees.
Note that we have not included all of the travel protections and benefits that come with each card and the descriptions here have been abbreviated. Although the cards have similar features, the Capital One Venture X Business card is issued as a World Elite Mastercard, and the Capital One Venture X card is a Visa Infinite card. You’ll want to refer to each card’s Guide to Benefits for a complete list of protections/benefits, full descriptions, and terms/conditions.
You can review each travel insurance benefit of the Capital One Venture X card in detail, though there is one unique set of perks compared to the business card.
Capital One Venture X card members will enjoy complimentary Hertz President’s Circle status, Avis Preferred Plus discounts and free weekend rentals, National Car Rental Emerald Club Executive level status, and discounts at Audi on demand (formally Silvercar).
Shopping protections come in handy when an eligible purchase gets damaged, stolen, or even if the item stops working for a covered reason during the warranty period.
Shopping benefits can help you save money when shopping online or in person at select retailers — and these can be easy to utilize.
Here are the shopping protections and benefits you’ll find on both the Capital One Venture X Business card and the Capital One Venture X card.
Purchase security is a coverage we might forget to utilize even though so many items we purchase are eligible for the coverage. Items such as a new tent for camping, a children’s toy, a watch, your cell phone, or even a new laptop could receive coverage if damaged or stolen. Items may be covered for up to 90 days from the purchase date.
Extended warranty protection is a warranty extension for eligible items purchased with your card that have a manufacturer’s warranty of 3 years or less. Extended protection doubles the warranty for up to 1 additional year.
The limits for either coverage are up to $10,000 per item, up to $50,000 per cardholder.
Capital One Shopping is available to everyone, not just Capital One cardholders. The browser extension saves you money by searching for coupons and deals when you’re shopping online.
Pay for your monthly cell phone bill, including family members and others, with your card and receive up to $800 if the phone listed on the bill should be stolen or damaged. There is a deductible of $50 per claim and a limit of 2 claims per rolling 12-month period.
Purchase an item with your card, and if the merchant does not accept the return within 60 days of the purchase date, you could receive up to $300 per item with return protection coverage. There is a maximum limit of $1,000 per calendar year per account.
Log in to your online Capital One card account and select Capital One Offers from retailers and service providers. Make the required purchase and earn cash back in the form of a statement credit.
Adding employee cards to the Capital One Venture X Business card allows you to easily manage your business expenses. Adding authorized users to the Capital One Venture X card makes it possible to earn more rewards for their additional spending.
Fortunately, there is no charge to add employee cards to the Capital One Venture X Business card (
Capital One states that you will need an excellent credit score to be approved for the Capital One Venture X Business card or the Capital One Venture X card. While an excellent score is generally considered 800 and above, it may be possible to be approved with a very good score (740 or above) with a strong credit history.
Capital One also clarifies its requirements by asking if this statement describes you: “I’ve never declared bankruptcy or defaulted on a loan; I haven’t been more than 60 days late on any credit card, medical bill, or loan in the last year; I’ve had a loan or credit card for 3 years or more with a credit limit above $5,000.”
Additionally, Capital One will not approve you if you have secured too many credit cards in the recent past. The card issuer is also known to pull credit from all 3 major credit bureaus, Equifax, Experian, and TransUnion.
For more information on Capital One Venture X card requirements and tips for applying, our article on the topic can help.
If you travel frequently, you’ll appreciate having a rewards card that earns well on travel purchases, has travel-related redemption options, and benefits that bring peace of mind or comfort during your travels.
Here are 2 alternative travel rewards cards that fit this description well.
With a generous welcome offer and a long list of travel benefits, the Ink Business Preferred card is a likely choice for the business owner. We like that the card earns 3x points on travel and select business categories, up to $150,000 in purchases each card anniversary year.
At redemption time, your points are worth 25% more when redeemed for select travel via the Ultimate Rewards travel portal. And, when you transfer points to airline or hotel programs, you have the potential for even greater value.
The Chase Sapphire Preferred card is one of our favorite cards for a starter travel rewards card as it has a lower-than-average annual fee and elevated earnings on common everyday purchases. The card has a long list of travel benefits, including primary car rental insurance, trip cancellation, interruption, and delay, lost luggage coverage, and more.
The card also earns flexible Ultimate Rewards points that are worth 25% more toward travel on the Ultimate Rewards travel portal or transfer to Chases’s airline and hotel partners for potentially more value.
Most likely, you would make the choice between a business card and a personal consumer card based on whether you have a need for one or the other.
If cell phone protection or worldwide lounge access for you and your extended family is a priority, the Capital One Venture X card has the edge. The card offers cell phone protection for service paid for monthly with your card, and worldwide lounge access applies to fee-free authorized users.
If you own a business with high monthly expenses, the Capital One Venture X Business card will ensure every purchase earns double miles. And, as a busy business owner, you won’t have to worry about keeping track of bonus spending categories. If personal lounge access (plus 2 guests) is important, you’ll have the added advantage of access to lounge-alternative Priority Pass restaurant properties with the card.
Plus, both cards offer enough economic value to offset the relatively lower annual fee of these premium travel rewards cards.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.
The information regarding the Capital One Venture X Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The Capital One Venture X Business card is a card designed for businesses, and it is a charge card. Any balance must be paid in full each statement period. The Capital One Venture X card is a credit card designed for consumer/personal use. Additionally, the Capital One Venture X Business card is issued as a World Elite Mastercard, and the Capital One Venture X card is issued as a Visa Infinite card.
The Capital One Venture X Business card is a charge card and must be paid off each statement period. Therefore, there is no credit limit or preset spending limit.
Yes, you can have both the Capital One Venture X Business card and the Capital One Venture X card.
The Capital One Venture X Business card is a World Elite Mastercard.
The Capital One Venture X card is issued as a Visa Infinite card.
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UP's Bonus Valuation
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.