Capital One Venture Business
- Best for: Business owners, side businesses included, with steady spending who redeem miles for travel
- What Sets It Apart: 2 miles per dollar on every purchase; two $50 yearly credits that, used in full, cover the $95 fee
- Cost: $95 annual fee; no foreign transaction fee; 24.74% variable APR; 30.74% cash advance APR; 33.15% penalty APR; cash advance fee $5 or 5%, whichever is greater; late fee up to $39
- Features: 100,000 bonus miles after $10,000 in purchases in 3 months; 5X on Capital One Business Travel bookings of hotels, vacation rentals, and rental cars; a Global Entry or TSA PreCheck fee credit of up to $120 every 4 years; free employee cards
- Pros: Miles worth a penny each toward travel; transfers to 15-plus airline and hotel programs; sole proprietors can apply with a Social Security number
- Cons: Cash redemptions pay half a cent per mile; travel credit works only through Capital One Business Travel; applicant personally liable for the balance
Get the Capital One Venture Business card if your business spends steadily and you’ll redeem its miles for travel, where the 2 miles you earn per dollar are worth 2 cents. Cashed out, the miles are worth half as much, so if you’d rather have cash, a flat-rate cash back card serves you better.
Capital One sold this card as the Spark Miles until April 2026, when it renamed it the Venture Business and added two yearly credits. Counting miles at a penny each and leaving the credits out, the extra half mile per dollar it earns over Capital One’s no-fee VentureOne Business covers the $95 fee once your business spends $19,000 a year.
Key Features
- $95 annual fee and a 24.74% variable APR, the interest rate on balances you carry
- 2 miles per dollar (2X) on every purchase, and 5X when you book hotels, vacation rentals, or rental cars on Capital One Business Travel, the issuer’s booking site
- 100,000 bonus miles for $10,000 in spending within 3 months of opening the account
- A $50 yearly credit on Capital One Business Travel bookings, up to $50 a year back on advertising or software purchases, and up to $120 toward Global Entry or TSA PreCheck airport screening every 4 years
- Employee cards at no extra cost and no foreign transaction fees
Pros
- Miles worth a penny each on Capital One Business Travel bookings or on travel you charged to the card in the past 90 days
- Transfers to 15-plus airline and hotel programs, most at a one-to-one ratio
- Two $50 credits that, used in full, cover the $95 fee
- Open to sole proprietors, side businesses included, who can apply with a Social Security number
Cons
- Miles worth half a cent each when redeemed for cash, which cuts the 2X rate to 1% back
- The $50 travel credit works only on Capital One Business Travel bookings
- Aimed at applicants with excellent credit
- Applicant personally liable for every charge, employee cards included
Apply if your business puts steady spending on one card and books travel, and use both credits each year so they cover the fee. If you’d rather have cash, choose a flat-rate cash back card such as the Spark Cash Plus, which pays 2% back for a $150 annual fee.
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