Capital One · card facts

Capital One Venture X Business

Premium business version with the same core lounge ecosystem.

WELCOME BONUS150k milesSpend $30,000

ANNUAL FEE$395First year: $395

CREDITSEasy$300/yr advertised

LOUNGE ACCESSCapital One + Priority PassPaid in 2026 unless spend threshold met

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$4,012

Welcome bonus · TPG est.+$2,775

Full advertised annual credits+$300

Rewards on $36,000 benchmark spend+$1,332

First-year annual fee−$395

Keep / year · best case credits

+$1,422

Definitely keep

This recurring estimate uses the full advertised credit amount. The Easy label tells you how realistic it may be to capture all $300 of those credits.

Advertised credits$300

Credit difficultyEasy

TPG Aug. 2026 value1.85¢

Annual fee$395

Fee minus advertised credits$95 cost

Credit details

$300 advertised per year · Easy to use fully

Card creditsVaries · Varies difficulty

$300 advertised

See issuer terms for eligible purchases, timing and restrictions.

Lounge access

Capital One + Priority Pass

Capital One Lounges/Landings plus participating Priority Pass lounges.

Guest rulePaid in 2026 unless spend threshold met

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Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.