Venture vs Venture X Business

Updated September 17, 2026 · from RightCard's verified card and merchant data

Capital One Venture and Capital One Venture X Business split the categories 0–0, with 9 tied. Venture: $95 fee. Venture X Business: $395 fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Every category, side by side

Published everyday rates. For points cards the value in brackets uses our conservative travel estimate; as cash, points are worth 1¢. No welcome bonuses, no limited-time offers.

Category	Venture	Venture X Business	Wins
Restaurants	2x miles (3.4¢)	2x miles (3.4¢)	tie
Supermarkets	2x miles (3.4¢)	2x miles (3.4¢)	tie
Gas stations	2x miles (3.4¢)	2x miles (3.4¢)	tie
Travel	2x miles (3.4¢)	2x miles (3.4¢)	tie
Online shopping	2x miles (3.4¢)	2x miles (3.4¢)	tie
Drugstores	2x miles (3.4¢)	2x miles (3.4¢)	tie
Transit & rideshare	2x miles (3.4¢)	2x miles (3.4¢)	tie
Streaming	2x miles (3.4¢)	2x miles (3.4¢)	tie
Everything else	2x miles (3.4¢)	2x miles (3.4¢)	tie

Point values: Venture: Capital One miles at 1.7¢ toward travel; Venture X Business: Capital One miles at 1.7¢ toward travel. Cash out and most points are worth 1¢ or less.

Fee and credits

Card	Annual fee	Statement credits	Credits, face value
Venture	$95 fee	none verified	—
Venture X Business	$395 fee	Capital One Business Travel credit ($300 yearly)	$300 / yr

Credits count only if you would spend there anyway. Tick the ones you would use and get each card's fee verdict →

Carrying both

Together they cover 0 of 9 categories above the other card's rate. See the pair as one wallet, then add the rest of your cards.

Capital One Venture in full → · Capital One Venture X Business in full →

How RightCard handles this: add both cards and the app picks between them at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

Venture or Venture X Business: which earns more?

Capital One Venture and Capital One Venture X Business split the categories 0–0, with 9 tied. Venture: $95 fee. Venture X Business: $395 fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Which has the lower annual fee, Venture or Venture X Business?

Venture: $95 fee. Venture X Business: $395 fee.

Should I get both?

Only if each wins a category you spend in. Together they lead in 0 of 9 categories; the rate-my-wallet tool shows the pair as one wallet.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: All comparisons · Rate my wallet · Every verified card