Capital One Venture Business
$95 annual fee · $130/yr in printed statement credits · 2x on everything else · no foreign transaction fees
Terms verified 2026-08-21 against issuer terms · welcome offer re-checked 2026-10-23
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 2x 2.6¢ per $1 |
uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5x | uncapped |
Signup bonus: 100,000 points after $10,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-10-23.
Statement credits — $130/yr on paper · how we got this
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Hertz Five Star status (enrollment required)
- Lifestyle Collection $50 per-stay hotel/vacation-rental experience credit, plus room upgrades when available
- Free employee cards and virtual cards
- Accounts Payable and Expense Management tools
Does the fee earn out? · how we got this
The printed statement credits ($130/yr) cover the $95 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $95 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 5x, pays only on travel booked through the issuer's travel portal. The same booking made anywhere else earns its base 2x, so the headline number is a portal rate rather than a category rate — which is why no ranking on this site counts it.
Don't want the fee any more?
Capital One Venture Business can normally be product-changed to one lower-fee card in the Capital One Venture (business) family instead of being closed — which keeps the account, its age and its credit line.
Comparing cards in the same currency? See the best cards that earn Capital One miles →
More from Capital One
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.capitalone.com. Spot an error? Tell us.