Capital One Venture X Business Card vs. Capital One Venture X Card [Detailed Comparison]

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.

Capital One Venture X Business Card vs. Capital One Venture X Card — Overview

We’ll expand on the features and benefits of the Capital One Venture X Business card and the Capital One Venture X card next.

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
Welcome Offer
Earning Potential	10x miles per dollar spent on rental cars and hotels via Capital One Travel 5x miles on flights via Capital One Travel 2x miles on all other purchases 10,000 anniversary bonus miles (starting with your first renewal)
Top Redemption Options	Redeem for travel via Capital One Travel Transfer miles to airline or hotel partners Redeem for a statement credit for travel purchases from the previous 90 days
Top Travel Protections and Benefits	Primary car rental insurance $300 annual travel credit via Capital One Travel Worldwide airport lounge access Global Entry/TSA PreCheck reimbursement
Top Shopping Protections and Benefits	Purchase security, extended warranty	Cell phone protection  Purchase security, extended warranty, and return protection
Annual Fee and Authorized Users	No fee to add employee cards	(rates and fees) Add up to 4 additional cardholders to your account for no fee (rates and fees)

The Value of a Welcome Bonus Offer

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:

Bottom Line:

Both the Capital One Venture X Business card and Capital One Venture X card come with the opportunity to earn a generous welcome bonus by meeting minimum spending requirements in the specified period immediately after card approval.

Earning Potential

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.

Referral Opportunities

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.

Spending on the 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
Travel	10x miles on rental cars and hotels booked via Capital One Travel 5x miles on flights booked via Capital One Travel 2x miles on all other travel purchases
All Other Purchases	2x miles on all other purchases

Card Anniversary Bonus Miles

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.

Bottom Line:

Earn miles on the Capital One Venture X Business card and Capital One Venture X card by referring friends and family, spending on the card, and receiving bonus miles when renewing your card.

Redemption Options

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
Travel	Redeem for travel via Capital One Travel Transfer to airline or hotel partners for greater potential value Redeem for a statement credit for travel purchases from the previous 90 days
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.

Bottom Line:

You can redeem miles earned on the Capital One Venture X Business card and the Capital One Venture X card by purchasing travel via Capital One Travel, transferring miles to partners, or as a statement credit for travel purchases from the previous 90 days. Additionally, you can redeem for gift cards, shopping on Amazon, or for checkout with PayPal. The best potential redemption option is to transfer miles to airline or hotel partners.

Travel Protections and Benefits

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:

Rental Car Loss and Damage Insurance

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.

Trip Cancellation, Trip Interruption, and Trip Delay

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.

Lost Luggage Reimbursement

Pay for your common carrier ticket with your card, and if your luggage is lost or stolen, you could receive up to $3,000.

$300 Annual Travel Credit

Each year, receive a $300 annual credit toward travel purchases via Capital One Travel.

Worldwide Airport Lounge Access

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.

You’ll also have access to Capital One Lounges and over 100 Plaza Premium Lounges, also including 2 guests (additional guests $45 per visit).

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).

Global Entry/TSA PreCheck Fee Reimbursement

Pay for your Global Entry or TSA PreCheck application or renewal fee with your card and receive reimbursement as a statement credit, with a maximum of 1 statement credit of up to $100 every 4 years.

Premier Collection and Lifestyle Collection Hotel Benefits

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!

No Foreign Transaction Fees

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.

Additional Travel Protections and Benefits — Capital One Venture X Card

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.

Car Rental Program Benefits

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).

Bottom Line:

The Capital One Venture X Business card and the Capital One Venture X each come with a long list of key travel protections and benefits that include primary car rental insurance, a $300 annual travel credit via Capital One Travel, worldwide lounge access, and Global Entry or TSA PreCheck fee reimbursement.

Shopping Protections and Benefits

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 and Extended Warranty Protection

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

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.

Additional Shopping Protections and Benefits — Capital One Venture X Card

Cell Phone Protection

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.

Return Protection

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.

Capital One Offers

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.

Bottom Line:

Don’t forget to use your Capital One Venture X Business card or Capital One Venture X card for shopping. Purchase security and extended warranty protection may provide coverage if something goes wrong with your purchase. And, when you pay your monthly bill with the Capital One Venture X card, you may have protection if your cell phone is damaged or stolen.

Authorized Users and Annual Fees

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 ( annual fee) or up to 4 additional cardholders on the Capital One Venture X card ( annual fee).

Qualifying for Capital One Cards

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 a risk-free way to see if you have Capital One offers available to you, you can try the CardMatch tool or Capital One’s own preapproval tool. No credit inquiry is pulled when using either tool.

For more information on Capital One Venture X card requirements and tips for applying, our article on the topic can help.

Alternative Travel Rewards Cards

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.

Ink Business Preferred^® Credit Card

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.

Chase Sapphire Preferred^® Card

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.

Final Thoughts

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.

In the case of the Capital One Venture X Business card and the Capital One Venture X card, it could make sense to have both cards.

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.

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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.

For rates and fees of The Platinum Card^® from American Express, click here.
For rates and fees of The Business Platinum Card^® from American Express, click here.