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The card_name is a premium business credit card that lets you earn travel rewards on business purchases while enjoying attractive perks like travel credits, lounge access, and premium points rewards when you book flights, hotels, and car rentals through Capital One Travel. It’s a great option for frequent travelers who can justify the $395 annual fee through its rewards and benefits. However, it’s important to note that this card requires you to pay your balance in full each billing cycle; otherwise, you’ll incur a late payment fee.
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| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
When grading pay-in-full business credit cards like card_name, we look at the card’s annual fee, rewards, additional features, penalties, and other fees.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Annual Fee | 10 | 30 |
| Ongoing Rewards | 20 | 20 |
| Introductory Rewards | 20 | 20 |
| Penalties | 10 | 15 |
| Other Fees | 10 | 10 |
| Additional Features | 5 | 5 |
| Total Score | 75 | 100 |
Who the card_name Is Best For
- Those who travel frequently: The card provides luxury perks, like access to Priority Pass™ and Capital One Lounges, along with premium rewards—10X miles on hotels and rental cars and 5X miles on flights when booked through Capital One Travel.
- Those who can pay their balances in full each month: Capital One requires cardholders to pay in full each month, meaning there are no interest charges to worry about.
- Those who prefer earning top-tier benefits and rewards: This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. Plus, earn unlimited 2X miles on every purchase with no limits or category restrictions.
See our recommended alternatives if this card doesn’t fit your business needs. Alternatively, you may check our roundup of the best Capital One business credit cards for more options from the issuer.
card_name Rewards
Your rewards remain active as long as your account is open—miles will not expire. However, if the account is closed, unredeemed rewards may be forfeited. There is no limit to the rewards you can earn on purchases.
Reward Highlights
- Earn 150,000 bonus miles (valued at $1,500 in travel) after spending $30,000 within the first three months from account opening.
- Receive 10x miles for hotels and rental cars booked through Capital One Travel.
- Earn 5x miles on flights booked through Capital One Travel.
- Earn unlimited 2x miles on all other purchases without limit.
Bonus Anniversary Reward
- Earn an additional 10,000 bonus miles annually, starting on your first card anniversary.
card_name Calculator
In our rewards calculator below, simply enter your estimated monthly spending to compute the potential rewards you can earn from the card_name card. Note that each mile is valued at 1 cent when redeemed toward travel booked with Capital One Travel.
Capital One Venture X Business Calculator
Your potential annual reward earnings are
How to Redeem card_name Rewards
You can redeem your miles for flights, hotels, vacation rentals, and more without restrictions or blackout dates. Here are the two main ways to redeem your miles for travel:
- Redeem for Past Travel Purchases
Book your travel through any website, travel agent, or service using your card, then redeem your miles: - Sign in at www.capitalone.com
- Go to “Rewards”
- Select “Cover Your Travel Purchases”
Alternatively, call Capital One’s Rewards Center to redeem by phone. Keep in mind that redemptions for past travel purchases must be made within 90 days from the date the purchase posts to your account.
- Book New Travel Reservations
To use miles directly for new bookings, visit www.capitalone.com to book flights, car rentals, or hotels, and pay with miles. The miles required will depend on the travel purchase cost at the time of booking.
Beyond travel, you can use your miles in a variety of ways:
- Cash back: Convert miles into cash back, applied as a statement credit or direct deposit.
- Gift cards: Redeem miles for gift cards from a wide selection of popular retailers and restaurants.
- Shop with miles: Use miles at checkout with select online retailers, like Amazon, for instant savings.
Note:
Redemption rates for these options may vary and are subject to change at Capital One’s discretion. For the latest redemption offers, enroll in online servicing at capitalone.com.
These flexible redemption options make it easy to find the right fit for your business needs, whether it’s travel, cash back, or online shopping.
card_name Features
Employee Access
- Free employee cards: Issue free cards to employees, enabling you to track spending while earning rewards on their purchases.
- Custom spending limits: Set customized spending limits for each employee card, with real-time transaction updates as soon as they post.
Travel Perks
- Capital One Travel: Access competitive prices on thousands of travel options and flexibility to pay with rewards, your card, or a combination of both.
- Miles transfer: Transfer your miles to any of Capital One’s 15-plus travel loyalty partners.
- Annual $300 travel credit: Receive statement credits for bookings made through Capital One Travel each year.
- Premier collection: Get a $100 experience credit and other premium benefits when booking luxury hotels, resorts, and vacation rentals through the Premier Collection.
- Redeem miles for travel: Use your miles through Capital One Travel or redeem them as reimbursement for travel expenses within 90 days of purchase.
- Global Entry or TSA PreCheck®: Receive up to a $120 statement credit for Global Entry or TSA PreCheck® enrollment.
- Partner lounge network: Complimentary access to over 1,300 airport lounges worldwide.
- Capital One Lounge: Enjoy all-inclusive amenities, including high-speed Wi-Fi, local food, and wellness spaces at Capital One Lounges.
- $0 foreign transaction fees: Make purchases outside the US without incurring foreign transaction fees.
Manage Your Spending
- Vendor payment flexibility: Pay vendors via card or ACH directly from your Capital One Business account, with tracking and selection options.
- Simplified budgeting and tax reporting: Year-end summaries with itemized spending make budgeting and tax prep easier.
- Recurring transactions management: Track and manage recurring expenses, such as subscriptions and bills, in one place.
- AutoPay: Set up AutoPay to ensure you never miss a payment deadline.
- Flexible payment dates: Choose your own monthly due date to align with your business’s cash flow needs.
- Purchase records: Download purchase records in multiple formats like Quicken®, QuickBooks®, or Excel® for easy financial management.
Security
- Virtual cards: Create virtual cards for secure online purchases without exposing your actual card number.
- Fraud alerts: Receive alerts if unusual or potentially fraudulent activity is detected on your account.
- Card lock: Instantly lock your card or an employee’s card if it’s lost or stolen to prevent unauthorized use.
card_name Fees
- Annual: annual_fees
- Cash advance: cash_advance_fee
- Foreign transaction: foreign_transaction_fee
- Late payment: late_payment_fee
- Capital One Mobile: Use the app to ensure you pay your balances in full each month.
- Phone: Call 800-227-4825 or the number on the back of your credit card.
- Online: Log in to your Capital One account and select “Make a payment.”
- In-person: Visit the nearest Capital One branch.
- Mail: Send a check by United States mail using this address:
Capital One
Attn: Payment Processing
PO Box 71083
Charlotte, NC 28772-1083
- Overnight: When sending overnight, use this address:
Capital One
Attn: Payment Processing
6125 Lakeview Rd., Ste. 800
Charlotte, NC 28269
card_name Alternatives
American Express Business Platinum Card
This card offers exceptional travel perks that go beyond the card_name, with access to The Global Lounge Collection (over 1,550 lounges worldwide), hotel status upgrades, rebates from top brands, and comprehensive travel protections. A generous Welcome Offer lets you earn up to 200,000 Membership Rewards® points after spending $20,000 in the first three months. Plus, you can unlock over $3,500 in annual value for business and travel needs, as long as you enroll.
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $895 |
| Credit Needed | Excellent, Good |
card_name
For a straightforward rewards option with a lower annual fee, consider the Capital One Spark Miles for Business. It offers unlimited 2X miles on every purchase and 5X miles on hotels and rental cars booked through Capital One Travel. Miles are transferable to more than 15 airline and hotel partners, and you’ll pay just $95 annually, with a $0 intro annual fee for the first year. New cardholders can also earn a 50,000-mile bonus after spending $4,500 in the first three months.
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
U.S. Bank Business Altitude® Connect Visa Signature® Card
The card is packed with rewards and travel perks, ideal for frequent travelers. It includes complimentary access to over 1,700 VIP airport lounges worldwide. You’ll earn 5X points on prepaid hotels and car rentals booked through the Rewards Center, 4X points on travel, gas, and EV charging stations (up to $150,000 annually), 2X points on dining and cell service providers, and 1X on all other eligible spend. There’s a $0 annual fee for the first year, then just $95 thereafter. Plus, you can earn a 60,000-point bonus (worth $600) after spending $6,000 within the first 180 days.
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 25.24% Variable |
| Annual Fee | $0 intro annual fee for the first year, $95 thereafter. |
| Credit Needed | Excellent, Good |
Frequently Asked Questions (FAQs)
To increase your chances of approval for the card_name card, aim for a FICO score of 760 or higher and limit recent credit card applications. Ideally, you should have opened no more than six new credit card accounts in the past 24 months before applying.
A “no preset spending limit” card adapts its purchasing power based on your payment history, spending patterns, and credit profile. While there’s no fixed limit, it doesn’t mean unlimited spending. You can check your spending limit anytime by using the Confirm Purchasing Power feature online or by phone.
To qualify for a Year-End Summary, ensure your card_name account is active, in good standing, and has at least one transaction within the calendar year.
Bottom Line
card_name is a powerful travel rewards card for business owners, offering elevated miles on flights, hotels, and car rentals booked through Capital One Travel. While it comes with a higher annual fee and requires balances to be paid in full each month, it provides substantial value with complimentary access to over 1,300 airport lounges worldwide, including Capital One Lounges and Partner Lounge Networks, plus flexible payment options.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Business Platinum Card®
