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Venture X Business Card Replaces Spark Travel Elite, See How It Compares to Venture X

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Venture X Business Card Replaces Spark Travel Elite

Venture X Business Card Replaces Spark Travel Elite

When Capital One first launched the Spark Travel Elite business card, we were quick to notice that it was almost identical to the popular Venture X. And it seems that Capital One has noticed that too, rebranding the card to Venture X Business.

All of the benefits and perks that come with the card will remain the same, as does the massive welcome bonus. But there’s a new card design obviously, and some differences from the personal Venture X which make it a better product.

Welcome Bonus

The welcome bonus remains the same as the Spark Travel Elite business card:

  • Earn up to 250,000 miles when you apply and are approved for the Capital One Venture X Business card:
    • Earn 50,000 miles after you spend $10,000 within the first 3 months
    • Plus an additional 200,000 miles when you spend a total of $50,000 within the first six months
  • Annual Fee: $395

There’s no link to apply online, but you can see the card page here. Venture X Business is only available to clients of Capital One Relationship Managers for the time being. No word if, or when it will be available publicly.

Eligibility rules are still the same. Spark Cash Plus cardholders are unable to apply for Venture X Business. However, existing cardholders of other Spark cards are eligible to apply.

Card Benefits

The Capital One Venture X Business is as travel rewards product designed specifically for business owners:

  • Venture X Business is a pay-in-full charge card, with no preset spending limit. No preset spending limit provides flexible purchasing power that adapts to a business’ needs, which can enable cardholders to potentially spend more than they could on a traditional credit card and earn even more travel rewards.
  • Venture X Business cardholders have access to leading business-grade capabilities, including free employee and virtual cards to make secure business purchases and keep earning rewards on all transactions. Cardholders can also sync transaction data with their accounting software, and have the ability to pay vendors through the card (even if they do not accept cards).
  • In addition to unlimited 2X miles on every purchase, Venture X Business cardholders earn 10X miles on hotels and rental cars and 5X miles on flights when booked through Capital One Travel. Additionally, cardholders will receive up to $300 in statement credits annually for bookings made through Capital One Travel and up to 10,000 bonus miles (equal to $100 toward travel) every year after their first anniversary. Cardholders have flexible redemption options and can redeem miles on flights, hotels, vacation rentals and more, with no restrictions or blackout dates. Business owners can also get a statement credit for travel purchases made with Venture X Business or transfer miles to any of our 15+ travel loyalty programs.
  • Capital One is continuing to find new ways to bring our cardholders best-in-class travel products and experiences. Capital One Travel’s new Premier Collection makes it possible for Venture X Business customers to find and book stays at a thoughtfully curated group of luxury hotels and resorts while also delivering top-tier benefits on every stay and 10X earn on bookings. Additional travel benefits available to Venture X Business cardholders include access to all-inclusive amenities at Capital One Lounges; complimentary access to our Partner Lounge Network; and up to a $100 credit for TSA PreCheck® or Global Entry every 4 years.

Venture X Business vs Venture X

As you can see from the list of benefits, Venture X Business is almost identical with the Venture X card. But there are some difference worth highlighting:

  • Venture X Business is obviously a business credit card and a charge card. That means that you must pay the balance in full to avoid a monthly 2.99% late fee.
  • Venture X Business doesn’t report to personal credit bureaus, making it a better option for those worried about their 5/24.
  • Capital One made changes to Venture X Priority Pass, removing access to restaurants and some other non-lounge experiences. But Venture X Business cardholders have access to both Priority Pass Lounges and non-lounge airport experiences.
  • Venture X Business employee cards do not get Priority Pass access. Venture X additional users get Priority Pass.


This is a great business product with a huge signup bonus. You can earn 250,000 miles when you spend $50,000 within the first six months. Considering the card earns 2x on most purchases, you would be earning 7x for that $50K spend, giving you a total bonus of at least 350,000 miles.

You have to pay the $395 annual fee, but you also get a $300 annual credit for bookings through Capital One Travel and 10,000 bonus miles every year after the first anniversary. You also get access to Capital One airport lounges as well as Priority Pass lounges. And unlike the Venture X, this card still has access to non-lounge airport experiences.

Existing cardholders will see the name change on their account next week.

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Based in NYC. Points/miles enthusiast for years and actively writing about it for the last 6+ years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

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  1. Is it confirmed that the card doesn’t show up on your personal credit report? I was under the impression that it did, like most Cap1 biz cards.

  2. Employee cards won’t get PP accounts? Are you sure? That’s a big downgrade, I just got one of my employees a card and PP account 2 weeks ago.

    • Confirmation from Capital One: Currently, only the primary Venture X Business cardholders can access Capital One Lounges and our Partner Lounge Network. Primary cardholders can bring up to 2 guests per visit free of charge. It was the same with Spark Travel Elite.

  3. Is it legible for Venture X cardholders???? I know in your previous article you specified you were no longer able to put your readers in touch with a banker. As I understand from this article the card is now available again. Is there a banker you can refer me to? Thanks

  4. Is it eligible for those of us who have Spark Cash Plus? I know we cannot get Travel Elite if we have Spark Cash Plus previously. Not too sure if it’s still the case with Venture X..


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