کیا وینچر ایکس کاروبار $ 395 کی سالانہ فیس ہے؟

کیا وینچر ایکس کاروبار $ 395 کی سالانہ فیس ہے؟

ADVERTISEMENTGuidesIs the Venture X Business worth the $395 annual fee?Emily ThompsonEmily ThompsonNewsletter & Partnerships EditorEmily Thompson specializes in beginner content as a credit cards editor. She taps into her prior experience as a high school English teacher to help others demystify credit scores and unlock experiences that credit card rewards can make possible.April 30, 2025•7 min readThe cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view ouradvertising policy andproduct review methodology for more information.Editor's NoteThis is a recurring post, regularly updated with new information and offers.The Capital One Venture X Business is a great option for small-business owners who want to earn miles on their spending. It features a solid welcome bonus and many of our favorite features found on its consumer counterpart, the Capital One Venture X Rewards Credit Card.One such similarity is the $395 annual fee. This is a bargain compared to some other premium business cards, such as The Business Platinum Card® from American Express with its $895 fee (see rates and fees).Still, it's higher than the $375 annual fee on the American Express® Business Gold Card (see rates and fees) and the $95 annual fee on Chase's Ink Business Preferred® Credit Card.So, does the Venture X Business offer enough benefits and earning potential to justify its premium fee? Here's what you need to know if you're on the fence.The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.Welcome offerCurrently, new Venture X Business applicants can earn up to 400,000 bonus miles: 200,000 miles after spending $30,000 on purchases in the first three months from account opening, plus an additional 200,000 miles after spending $150,000 on purchases in the first six months.MORSA IMAGES/GETTY IMAGESThis bonus is worth up to $7,400 when you factor in TPG's April 2025 valuations of Capital One miles at 1.85 cents. If you can meet the steep minimum spending requirements, the full bonus alone is valuable enough to justify paying the card's $395 annual fee.Related: How to maximize your Capital One milesEarning potentialBeyond the Venture X Business welcome bonus, you'll earn:Daily NewsletterReward your inbox with the TPG Daily newsletterJoin over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts10 miles per dollar spent on hotels and rental cars purchased through Capital One Business Travel5 miles per dollar spent on flights and vacation rentals purchased through Capital One Business Travel2 miles per dollar spent on all other purchasesAnd when it comes to redeeming your miles, you have options. On one hand, you can redeem them simply for a statement credit to cover travel expenses. This option offers a value of 1 cent per mile.GEORGIJEVIC/GETTY IMAGESTo get more value out of your miles, you can also transfer your miles to any of Capital One's 15-plus hotel and airline partners, including valuable options like Air Canada Aeroplan, Singapore Airlines KrisFlyer and Wyndham Rewards.According to our April 2025 valuations, taking advantage of these transfer options usually yields a value of at least 1.85 cents per mile. Percentage-wise, this means you're earning an effective 3.7% return on all nonbonus purchases that net you least 2 miles per dollar spent.This makes the Venture X Business an especially attractive option for big-spending business owners who don't want to worry about bonus categories.With this card, you can feel confident knowing you're earning valuable rewards no matter what you're buying.Related: Should you transfer Capital One miles to partners or redeem them directly?Annual travel creditVenture X Business cardholders receive $300 in statement credits each year for travel booked through Capital One Business Travel. This credit is automatic, making it relatively easy to use.D3SIGN/GETTY IMAGESHowever, it is worth noting that since the credit is limited to travel booked through Capital One Business Travel, you'll likely give up any hotel or rental car elite status perks. The drawbacks of booking through a portal can put a damper on the value of this annual credit.Still, fully taking advantage of this perk will bring your effective annual fee down to just $95.Related: How to decide whether to book travel directly or through a portalAnniversary bonus milesThe travel credit isn't the only annual perk you'll get as a Venture X Business cardholder. Every year, on your account anniversary, you'll also receive 10,000 bonus miles worth $185, according to our April 2025 valuations.ZACH GRIFF/THE POINTS GUYEven if you redeem these anniversary miles directly for travel at a rate of 1 cent per mile, this annual bonus is worth $100. This perk and the travel credit combined more than justify the card's $395 annual fee each year.Lounge accessAs a Venture X Business cardholder, you get unlimited access to Capital One Lounges — currently open at:Dallas Fort Worth International Airport (DFW)Denver International Airport (DEN)Dulles International Airport (IAD)Harry Reid International Airport (LAS)Capital One also operates a Landing at Ronald Reagan Washington National Airport (DCA)This card also includes access to Priority Pass lounges.KYLE OLSEN/THE POINTS GUYNote that, unlike the personal Venture X, lounge access does not extend to authorized users.Without credit card access, you must pay $90 for a Capital One Lounge day pass. Five visits alone would cost $450 out of pocket, so you'll make up the annual fee's value quickly if you can take advantage of your Capital One Lounge access.Related: Capital One Venture X vs. Venture X BusinessOther perksOn top of these super-valuable perks, the Venture X Business includes additional travel benefits and protections:Global Entry/TSA PreCheck credit: Up to $120 statement creditHotel perks: Access to luxury hotel bookings and elitelike benefits in Capital One's Premier CollectionThese benefits are more difficult to quantify, but they'll provide added comfort and peace of mind during your travels.Related: A comparison of luxury hotel programs from credit card issuers: Amex, Capital One, Chase and CitiBottom lineIf you can take advantage of all the Venture X Business benefits, you'll more than justify the annual fee year after year. The benefits are so valuable that you only have to utilize a few to make up for the card's fee each year. However, if you can't maximize the annual travel credit or airport lounge access, you may want to go with another of our favorite business credit cards.To learn more, read our full review of the Venture X Business.Learn more: Capital One Venture X BusinessRelated: Why getting the Capital One Venture X Business card may be the easiest decision you'll make for your companyFor rates and fees of the Amex Business Platinum, click here. For rates and fees of the Amex Business Gold, click here.Featured image by JLCO-JULIA AMARAL/GETTY IMAGESEditorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.TPG featured cardBest for businesses with high spendingCapital One Venture X BusinessApply for Capital One Venture X BusinessTerms & restrictions apply. See rates & feesTPG Editor‘s RatingOpen Editors ratingCard Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.4.5 / 5Go to reviewApply nowApply for Capital One Venture X Businessat Capital One's secure siteRewards2 - 10X milesdetails2X miles2 miles per dollar on every purchase5X miles5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel10X miles10 miles per dollar on hotels and rental cars booked through Capital One Business TravelIntro offerLIMITED-TIME OFFER: Earn up to 400K bonus milesdetailsEarn 200K miles when you spend $30K in the first 3 months, and an additional 200K miles when you spend $150K in the first 6 monthsAnnual Fee$395Recommended Credit740-850Excellentmore infoCredit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Why We Chose ItThe Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit.Pros & ConsProsThe Capital One Venture X business card has a very lucrative welcome offer.In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.Business owners are also able to add employee cards for free.ConsThe card requires significant spending to earn the welcome offer.Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel. More DetailsLIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 monthsEarn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictionsEarn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business TravelWith no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewardsEmpower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with easeRedeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programsEvery year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business TravelReceive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollmentEnjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier CollectionThis is a pay-in-full card, so your balance is due in full every monthApply nowApply for Capital One Venture X Businessat Capital One's secure siteTerms & restrictions apply. See rates & feesBest for businesses with high spendingCapital One Venture X BusinessTPG Editor‘s RatingOpen Editors ratingCard Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.4.5 / 5Go to reviewRewards Rate2X miles2 miles per dollar on every purchase5X miles5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel10X miles10 miles per dollar on hotels and rental cars booked through Capital One Business TravelIntro OfferOpen Intro bonusEarn 200K miles when you spend $30K in the first 3 months, and an additional 200K miles when you spend $150K in the first 6 monthsLIMITED-TIME OFFER: Earn up to 400K bonus milesAnnual Fee$395Recommended CreditOpen Credit score descriptionCredit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.740-850ExcellentWhy We Chose ItThe Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit.View MorePros + consMore DetailsProsThe Capital One Venture X business card has a very lucrative welcome offer.In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.Business owners are also able to add employee cards for free.ConsThe card requires significant spending to earn the welcome offer.Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel. LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 monthsEarn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictionsEarn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business TravelWith no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewardsEmpower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with easeRedeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programsEvery year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business TravelReceive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollmentEnjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier CollectionThis is a pay-in-full card, so your balance is due in full every monthgtm--featured-card-10186

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