Question 1

Is the Capital One Venture X Business worth the annual fee?

Accepted Answer

The Capital One Venture X Business is worth its $395 annual fee if you use most of its 31+ benefits. Calculate your ROI by adding the value of credits you redeem, lounge visits, and points earned, then compare to the annual fee. If total value exceeds the fee, keep the card. Tools like kardfolio can automate this calculation.

Question 2

When do Capital One Venture X Business benefits expire?

Accepted Answer

Capital One Venture X Business benefits expire on different schedules: monthly credits reset on the 1st, quarterly credits every 3 months, and annual credits on your cardmember anniversary or calendar year end. Check each benefit's terms for specific dates. Benefit tracking apps can send alerts before expiration.

Question 3

How do I track Capital One Venture X Business benefits?

Accepted Answer

Track Capital One Venture X Business benefits by: 1) listing all 31+ benefits and their values, 2) recording when you use each benefit, 3) setting calendar reminders before credits expire, 4) calculating total value vs annual fee. Apps like kardfolio automate this with expiration alerts and ROI tracking.

Question 4

What are the Capital One Venture X Business earning rates?

Accepted Answer

The Capital One Venture X Business earns: 10x on Booked through Capital One Business Travel, 10x on Booked through Capital One Business Travel, 5x on Booked through Capital One Business Travel. Base rate is typically 1x on all other purchases. Points can be redeemed through the issuer's portal or transferred to airline/hotel partners for potentially higher value.

Question 5

What lounge access does the Capital One Venture X Business include?

Accepted Answer

The Capital One Venture X Business includes airport lounge access. Check your cardmember agreement for specific lounge networks, guest policies, and any visit limits. Premium cards typically include Priority Pass and may have issuer-specific lounges.

Question 6

Does the Capital One Venture X Business have foreign transaction fees?

Accepted Answer

No, the Capital One Venture X Business has no foreign transaction fees. This makes it suitable for international travel and purchases in foreign currencies without the typical 3% fee charged by many cards.

Capital One Venture X Business

Capital One Venture X Business

Earning Rates

Card Benefits

Travel

Hotels

Account Services

Credits

Lounge Access

Insurance

Status

Card Details

Capital One Venture X Business

Capital One Venture X Business

Earning Rates

Card Benefits

Travel

Hotels

Account Services

Credits

Lounge Access

Insurance

Status

Card Details