Capital One VentureOne Business
- Best for: Business owners, side businesses included, who want travel miles on modest spending with no annual fee
- What Sets It Apart: Miles on every purchase with no annual fee; transfers to 15-plus airline and hotel programs
- Welcome Offer: 50,000 bonus miles after $4,500 in purchases in 3 months
- Rewards: 5X on Capital One Business Travel bookings of hotels, vacation rentals, and rental cars; flat 1.5 miles per dollar
- Features: Free employee cards; Hertz Five Star status; primary rental car coverage on business rentals
- Annual Fee: $0
- APR: 16.99%, 19.99%, or 22.99% variable
- Cost: No foreign transaction fee
- Credit Needed: Excellent
- Pros: No annual fee; miles cover travel charged in the past 90 days; employee purchases earn miles
- Cons: Flights earn 1.5X even through Capital One Business Travel; no Global Entry or TSA PreCheck credit; owner personally liable for the balance
Open the Capital One VentureOne Business if you want travel miles on modest business spending without paying an annual fee. Every purchase earns 1.5 miles per dollar, and you can use the miles to pay for travel you charged to the card in the past 90 days, with no portal or airline program to learn.
The VentureOne Business is Capital One’s no-annual-fee travel card for small businesses, sold as the Spark Miles Select until Capital One renamed it in April 2026. It suits owners who want miles toward business travel without paying a fee, while owners who’d rather have cash can earn 1.5% back on every purchase with Capital One’s no-fee Spark Cash Select.
Key Features
- $0 annual fee and no foreign transaction fee
- 1.5 miles per dollar on every purchase, and 5 miles per dollar on Capital One Business Travel bookings of hotels, vacation rentals, and rental cars
- 50,000 bonus miles after $4,500 in purchases in the first 3 months
- 16.99%, 19.99%, or 22.99% variable APR (annual percentage rate), with no 0% introductory period
- Requires excellent credit, and sole proprietors, including side businesses, can apply with a Social Security number
Pros
- No annual fee to offset with rewards
- Miles can cover travel you charged to the card in the past 90 days
- Miles transfer to 15-plus airline and hotel loyalty programs, most airlines at one-for-one
- Free employee cards whose purchases earn miles
- Rental car coverage that pays before your own auto insurance when you rent for business
Cons
- Flights earn only 1.5 miles per dollar, even when booked through Capital One Business Travel
- A 33.15% penalty APR can apply if two payments arrive 3 or more days late within 12 billing periods
- You’re personally liable for the balance, employee charges included
- No credit toward a Global Entry or TSA PreCheck application fee
The VentureOne Business is worth opening for owners who want simple travel miles on modest business spending and no annual fee. The $95 Venture Business’s 2 miles per dollar beat this card’s 1.5 for owners who’d use its $100 in yearly credits or who spend enough that the extra miles are worth more than its fee.
Learn more about the Capital One VentureOne Business or see how it compares to the best small-business credit cards.
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