Capital One Venture X vs. Venture X Business: Subtle yet significant distinctions

Since its debut in 2021, the Capital One Venture X Rewards Credit Card has garnered a loyal following due to its premium benefits and reasonable annual fee. In 2023, the Capital One Venture X Business entered the market, offering many of the beloved features of the Venture X for the same $395 annual fee (see Venture X Business rates and fees; Venture X rates and fees).

At first sight, the Venture X Business appears nearly identical to the Venture X, featuring a higher welcome bonus and elevated spending requirements. However, a few key differences may make one card more appealing for you than the other.

Here’s what you should consider before deciding between the Venture X and Venture X Business.

Comparing Venture X and Venture X Business

Venture X vs. Venture X Business: Welcome Offers Explained

Both the Venture X and the Venture X Business feature attractive welcome bonuses. New Venture X cardholders can earn 75,000 bonus miles by spending $4,000 within the first three months of account opening. Based on TPG's June 2024 valuations, Capital One miles are valued at 1.85 cents each, making this bonus equivalent to $1,388.

In contrast, the Venture X Business offers a significantly higher welcome bonus. However, it comes with a steep spending requirement. New cardholders can earn 150,000 bonus miles after spending $30,000 in the first three months from account opening. According to TPG's valuations, this bonus is valued at $2,775.

You don't need to be a traditional business owner to qualify for a business credit card, but the spending requirement for the Venture X Business's welcome bonus appears tailored for those who frequently use their cards for substantial expenses. If meeting the high spending threshold isn't feasible for you, the Venture X might be a better option due to its simpler path to a valuable bonus.

Winner: Venture X. Although the Venture X Business provides more miles, its spending requirement may not be practical for many business owners.

Benefits of Venture X vs. Venture X Business

At first glance, both the Venture X and Venture X Business offer comparable benefits. Regardless of your choice, you’ll enjoy:

• $300 annual credit for bookings through Capital One Travel
• 10,000 bonus anniversary miles each year
• Complimentary access for the cardholder and up to two guests per visit to Capital One lounges, Priority Pass lounges, and Plaza Premium lounges
• Up to $120 in statement credits for TSA PreCheck or Global Entry
• Access to Capital One's Premier Collection and Lifestyle Collection of hotels

Furthermore, the Venture X offers Hertz President's Circle status*. Both cards are excellent options for international travel, as they do not impose foreign transaction fees (see Venture X Business rates and fees; Venture X rates and fees).

On the other hand, Venture X Business cardholders benefit from specific business-related perks, such as detailed spending reports.

Winner: Venture X. While both cards provide similar advantages, the complimentary Hertz President's Circle status gives the Venture X a slight advantage over the Venture X Business.

Earning Miles with the Venture X vs. Venture X Business

Both the Venture X and the Venture X Business feature identical earning rates:

• 10 miles per dollar on hotels and rental cars booked via Capital One Travel
• 5 miles per dollar on flights purchased through Capital One Travel
• 2 miles per dollar on all other purchases

Since both cards offer the same earning rates, you may want to consider other card options if you're looking to earn additional rewards in specific categories like dining, groceries, or common business expenses.

Winner: Tie. Both cards maintain the same earning structure.

Redeeming Miles with the Venture X vs. Venture X Business

Both the Venture X and the Venture X Business accumulate transferable Capital One miles and offer nearly identical redemption options.

Transferring your miles to any of Capital One's 15-plus hotel and airline travel partners stands out as the most valuable redemption choice.

Both cards also provide the straightforward option to redeem your miles for a statement credit to offset travel expenses or for gift cards at a rate of 1 cent per mile. While you can redeem miles for cash back, you'll receive only 0.5 cents per mile, making this option less favorable. The Venture X allows cardholders to redeem rewards for Amazon purchases at a rate of 0.8 cents per mile.

Winner: Venture X. The Venture X prevails here by offering an extra redemption method compared to the Venture X Business.

Transferring Miles: Venture X vs. Venture X Business

Both the Venture X and the Venture X Business allow you to earn miles that can be transferred to any of Capital One's 15-plus hotel and airline partners, such as Air Canada Aeroplan, Avianca LifeMiles, and Wyndham Rewards.

TPG managing editor for credit cards Matt Moffitt values the ability to transfer miles to Air France-KLM Flying Blue for exceptional business-class flight deals to Europe, particularly when he can benefit from a transfer bonus. With such a diverse range of options, you'll easily find a transfer method that aligns with your travel preferences and goals.

Winner: Tie. Both cards offer identical transfer options.

Should I choose the Venture X or the Venture X Business?

Although the Venture X Business provides a generous number of miles in its welcome offer, the spending requirement may be unrealistic for many business owners. With a more attainable spending threshold for its welcome offer and excellent benefits, the Venture X is typically the better option for most.

Conclusion

The Venture X and Venture X Business share several important features, including an annual credit, airport lounge access, and anniversary bonus miles, all for the same $395 annual fee (see Venture X Business rates and fees; Venture X rates and fees). Whether you opt for the personal or business version, (Venture) X is your destination for premium perks at a fair annual cost.

For more information, take a look at our comprehensive reviews of the Venture X and Venture X Business.

Discover more: Venture X

Discover more: Venture X Business

For Capital One products featured on this page, some of the benefits mentioned are provided by Visa® or Mastercard® and may differ by product. Refer to the respective Guide to Benefits for specifics, as terms and exclusions apply.

*After enrollment, available via the Capital One website or mobile app, eligible cardholders will maintain upgraded status until Dec. 31, 2024. Please note that enrolling through the standard Hertz Gold Plus Rewards enrollment process (e.g., at Hertz.com) will not automatically recognize a cardholder as eligible for this program, and cardholders will not be automatically upgraded to the relevant status tier. Additional terms apply.