Capital One
Capital One Venture Business
Annual Fee
$95
Sign-up Bonus
50,000 pts
Card data last reviewed 2026-05-22
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 5x on hotels (catalog median is 2x)
- 5x on other travel (catalog median is 2x)
- No foreign transaction fees
- The $95 annual fee needs strong category spending to clear
Is the $95 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$415/yr
$480 rewards + $30 credits - $95 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$455/yr
$520 rewards + $30 credits - $95 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$693/yr
$758 rewards + $30 credits - $95 fee
Rewards by Category
Dining
2x
Grocery
2x
Gas
2x
Flights
2x
Hotels
5x
Other Travel
5x
Online Shopping
2x
Rideshare
2x
Streaming
2x
Amazon
2x
Costco
2x
Other
2x
Apple
2x
Cell Phone
2x
Fast Food
2x
Home Utilities
2x
Internet
2x
Walmart
2x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
2X miles on every purchase. 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel. Up to $120 Global Entry/TSA PreCheck credit. No foreign transaction fees. Currently advertised as 'Venture Business' (formerly marketed as Spark Miles for Business).
- No foreign transaction fees
Benefits & Credits
Global Entry/TSA PreCheck Credit$120
We count this at 25% of face value (typical usage)
Capital One Venture Business FAQ
What is the Capital One Venture Business annual fee?
The Capital One Venture Business has a $95 annual fee. Statement credits worth about $30/yr at typical usage reduce the effective cost.
What is the Capital One Venture Business signup bonus?
50,000 points for new cardholders meeting the minimum spend. Verified 2026-05-22. Check the issuer's site for the current offer.
What are the best spending categories for the Capital One Venture Business?
5x on hotels, 5x on other travel, 2x on flights. Everything else earns 2x.
Is the Capital One Venture Business worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $415/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
Compare With Similar Cards
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Is Capital One Venture Business Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
Sources & Verification
Card data last reviewed 2026-05-22.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.