Capital One Venture X Business
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Everything else | 2x | 3.4% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Credits (4)
$300 Annual Travel Credit
Receive $300 statement credit annually for travel purchases booked through Capital One Business Travel portal. Resets each cardmember year.
10,000 Anniversary Bonus Miles
Earn 10,000 bonus miles automatically on each account anniversary. Miles are worth 1.7¢ each when redeemed via Capital One Travel.
$100 Premier Collection Credit
$100 experience credit per Premier Collection hotel/vacation rental booking through Capital One Travel. Use for dining, spa, or unique experiences. Includes daily breakfast for 2, room upgrades, and early/late check-in/out when available.
Up to $120 statement credit for Global Entry ($120) or TSA PreCheck ($78) application fee. Credit applies once every 4.5 years.
Status & Elite Perks (2)
Capital One Lounge Access
Unlimited access to Capital One Lounges at DFW, IAD, DEN, and partner locations. Guest policy: 2 guests free with $75,000+ annual spend.
Priority Pass Membership
Unlimited access to 1,300+ Priority Pass lounges worldwide for primary cardholder. Guest access available if spending $75,000+/year on card.
Protections (3)
Cell Phone Protection
Up to $800 per claim ($50 deductible) for cell phone damage or theft when paying monthly bill with card. Max 2 claims/$1,600 per 12 months. Covers all phones on the bill. Does not cover lost phones or cosmetic damage.
Trip Delay Reimbursement
Up to $500 per person for hotel, meals, and essentials when flight is delayed 6+ hours or requires overnight stay.
Lost Luggage Reimbursement
Up to $3,000 per covered trip for luggage lost or damaged by the airline.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 9 Capital One Venture X Business benefits automatically — redemption progress, reset dates and expiry alerts.