Capital One Venture Business: New Name, Same Easy Rewards
Earn 2x miles on every purchase, with no limits on how much you can earn and no blackout dates or restrictions on when or how you travel. You can also transfer miles to travel partners.
The bottom line:
The newly minted Venture Business card is still a great option for small-business owners who prize simplicity in a travel rewards program. And the card's new annual credits easily offset the annual fee.
Credit card details
Annual fee
$95
Regular APR
24.49% Variable APR
Intro APR
N/A
Rewards rate
2x-5x
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account. Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel.
Miles
Foreign transaction fee
0%
Intro offer
100,000
Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening.
Miles
Pros & Cons
Pros
High rewards rate
New cardholder bonus offer
Annual travel credit
Statement credit for Global Entry, TSA PreCheck®
Cons
Does not include lounge access or automatic elite status
Requires excellent credit
More details from Capital One
- Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
Compare to other cards
4.4
NerdWallet rating
Annual fee
$95
Annual fee
$95
Annual fee
$0
Regular APR
24.49% Variable APR
Regular APR
17.74%-26.74% Variable APR
Regular APR
16.74%-28.49% Variable APR
Intro APR
N/A
Intro APR
N/A
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Need more options? Check our picks for best business credit cards of 2026
The draw for the Capital One Venture Business is its simplicity. But you could be leaving rewards on the table. The Ink Business Preferred® Credit Card earns 3X points in select categories — travel, shipping, advertising and telecom services — up to $150,000 in combined spending annually.
This is a rare business card that earns travel points and offers an intro APR period. It's a great option for business owners who need to carry a balance from time-to-time — particularly during the first year. You'll get 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-28.49% Variable APR. Terms apply.
Full review
The Spark Miles has a new name. It's now the Capital One Venture Business.
The new name dropped in April 2026, along with some fresh perks. But the card's value prop is still the same: This is a simple, valuable business travel card .
Here's what's new:
- The annual fee. It's still $95, but CapOne no longer waives it for the first year. (See
- Travel credit. You get a $50 travel credit each year good toward bookings made on Capital One Business Travel.
- Software/advertising credit. You can get up to $50 in statement credits per year for purchases with qualifying advertising and software merchants.
- Credit reporting . “For new Venture Business customers, Capital One will not report to personal credit bureaus as long as an account remains in good standing,” a Capital One spokesperson said.
What hasn't changed?
The Capital One Venture Business still earns unlimited double miles on purchases. That rate increases for hotel and rental car bookings made via Capital One Business Travel.
Those miles are still easy to redeem, too. You can use them toward travel purchases — flights, hotels, vacation packages and more — or you can transfer miles to more than a dozen travel partners.
The card still has a statement credit for Global Entry or TSA Precheck : up to $120 every four years.
And nothing changes for existing Spark Miles customers. They need to apply for the Venture Business to get the new credits.
The card is best for:
✔️ Simple travel rewards.
✔️ Big welcome offer.
✔️ International purchases (no foreign transaction fee).
Card details: Capital One Venture Business
🎉 Rewards : Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account. Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel.
💰 Sign-up bonus: Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening.
💲 Annual fee: $95.
💷 Foreign transaction fee: None.
📈 APR: The ongoing APR is 24.49% Variable APR.
🎆 Other benefits:
- Global Entry or TSA Precheck application fee credit.
- Annual travel credit ($50) for bookings made via Capital One Business Travel.
- Annual statement credit (up to $50) for qualifying software and advertising purchases.
View of Capital One Venture Business.
Where the Capital One Venture Business shines
Simple, generous rewards
The Capital One Venture Business doesn't make you work for the best rewards. You get double miles on purchases. No categories to juggle or bonus caps to track.
There's serious value in that simplicity. Especially for business that don't spend in typical bonus categories.
Put $10,000 a month in inventory purchases on the card, for example, and you're looking at 240,000 miles at the end of the year — good for $2,400 worth of travel.
If you spend a lot more than that — and have the cash flow to pay in full — check out the Capital One Venture X Business . It has a higher annual fee, but you get a larger annual travel credit to offset the cost. (And airport lounge access.) (See .)
Flexible redemption options
You can redeem miles for any airline, hotel or vacation package purchase at a rate of a penny per mile. There are no blackout dates or restrictions on when or how you travel.
You can also transfer miles to one of more than a dozen travel partners. This can be especially useful for international travelers, although it's important to note that the transfer ratio is not always 1:1.
Airlines
- Aeromexico (1:1 ratio).
- Air Canada (1:1 ratio).
- Air France-KLM (1:1 ratio).
- Avianca (1:1 ratio).
- British Airways (1:1 ratio).
- Cathay Pacific (1:1 ratio).
- Emirates (1:1 ratio).
- Etihad (1:1 ratio).
- EVA (2:1.5 ratio).
- Finnair (1:1 ratio).
- Japan Airlines (2:1.5 ratio).
- JetBlue (5:3 ratio).
- Qantas (1:1 ratio).
- Qatar Airways (1:1 ratio).
- Singapore Airlines (1:1 ratio).
- TAP Air Portugal (1:1 ratio).
- Turkish Airlines (1:1 ratio).
- Virgin Red (1:1 ratio).
Hotels
- Accor (2:1 ratio).
- Choice Privileges Hotels (1:1 ratio).
- I Prefer Hotel Rewards (1:2 ratio).
- Wyndham Rewards (1:1 ratio).
A hefty sign-up bonus
This card kicked off its Venture Business era with a massive welcome offer:
Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening.
That's the same offer as the Venture X Business, but with twice as much time to earn it.
No foreign transaction fee
The Capital One Venture Business is a travel card (see ). A major benefit of travel cards: Most don't charge a foreign transaction fee .
That's important for international travel. It's also crucial if you purchase inventory or raw materials from overseas vendors.
Many credit cards tack a foreign transaction fee of up to 3% on every international purchase. That can cancel out any rewards you earn, and then some.
With the Capital One Venture Business, you keep your rewards and avoid costly fees.
Reasons to consider a different card
There's an annual fee
Among other business travel cards, the annual fee on the Capital One Venture Business is cheap. And the annual credits added in April 2026 offset the annual fee entirely. That's before you factor in any rewards earned.
But if you're set on a no-annual-fee business card , consider the Capital One VentureOne Business . It earns only 1.5 miles back on all purchases, but its annual fee is $0.
Looking for the break-even point between the two cards? If you spend above $19,000 a year, the rewards you'd earn at a 2X rate would top a 1.5X rate, even taking into account the annual fee on the Capital One Venture Business. (See .)
You could also consider The Blue Business® Plus Credit Card from American Express . It earns 2X points on eligible purchases, but only up to $50,000 in spending per calendar year (1X back after that). The annual fee is $0. Terms apply ( see rates and fees ).
You can find higher rewards rates
The Ink Business Preferred® Credit Card earns 3X points on the first $150,000 spent in select categories each year. Those categories include:
- Travel.
- Shipping.
- Internet, cable and telephone services.
- Advertising purchases with social media sites and search engines.
If your spending aligns with those categories, your points could add up quickly. Points are worth a penny each when redeemed for cash, and even more when redeemed for travel through Chase Ultimate Rewards® .
There's no 0% intro APR period
Travel rewards cards work best when you pay the balance off each month. Otherwise, interest charges negate any points or miles you earn. If you need to float some business purchases, opt for a card with an intro APR period instead.
The Blue Business® Plus Credit Card from American Express is a good option. You get 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-28.49% Variable APR. Terms apply.
See our full list of best 0% intro APR business cards .
How we evaluated Capital One Venture Business
NerdWallet's experts do the following for our business credit card reviews:
- Compare Capital One Venture Business to similar cards. NerdWallet’s writers and editors evaluate how the card’s rewards, perks, fees and features stack up to its peers. This is the basis of our star rating.
- Survey the card’s issuer. We conduct an annual survey to get details that are less available to the public, but important for business owners. We ask about spending controls, minimum credit limits and credit limit increases, among other things.
View of Capital One Venture Business.
View of Capital One Venture X Business.
To view rates and fees of The Blue Business® Plus Credit Card from American Express, see this page .
The information related to Capital One VentureOne Business credit card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.