The Ultimate Guide to Credit Cards
Saturday, June 6, 2026

Capital One Venture Business

Toby Sembower

By: Toby Sembower

Toby Sembower

Toby Sembower, Founder

Toby is the founder of CardRates.com and lends his 20 years of experience in the credit card industry to educate consumers. His commentary and reviews have been featured to millions on Yahoo! Finance, CreditCards.com, Entrepreneur.com, and others. Toby's industry connections enable him to keep audiences informed with timely advice and insight.

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Editor: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian Guevara-Castro, Senior Editor

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.

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Reviewer: Ashley Fricker

Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

Are you considering applying for the Capital One Venture Business? Here's a rundown of the key details of the card, along with links to its official website and application.

This card offers generous air miles for businesses, which come in handy for needed business travel. The rates and fee structure make this card all the more attractive to small businesses.

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

  • Limited-time offer: Earn up to 150,000 bonus miles—75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
  • Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • $95 annual fee
  • Free employee cards which also earn unlimited 2X miles from their purchases
  • Top rated mobile app
Intro (Purchases) N/A
Intro (Transfers) N/A
Regular APR 24.49% (Variable)
Annual Fee $95
Credit Needed Excellent

Interest Rate & Annual Fee

According to the issuer, the Capital One Venture Business currently charges the following APR on purchases and balance transfers:

  • Purchase Intro: N/A
  • Balance Transfer Intro: N/A
  • Regular APR: 24.49% (Variable)

The following is the current annual fee for the Capital One Venture Business, as listed by the issuer:

  • Annual Fee: $95
See site for details »

Credit Needed for Approval

The current general credit requirement for the Capital One Venture Business is:

  • Credit Level: Excellent

Our Ratings by Category

(Ranked #3 out of 16)
★★★★★
4.8
(Ranked #1 out of 24)
★★★★★
5.0
(Ranked #16 out of 43)
★★★★★
4.7

About the Author

Toby Sembower has been a leading expert on credit cards since 2004, disseminating advice, reviews, and credit card comparisons to audiences of millions in that time.

A frequent contributor at CardRates.com, Toby's work has also appeared on Yahoo! Finance, CreditCards.com, Entrepreneur.com, BadCredit.org, and many other popular finance platforms.

In addition to lessons learned from his compelling personal story — having used credit cards responsibly to raise his own FICO score from 550 to 820 — Toby's connections and conversations with card issuers (Chase, Capital One, Bank of America, and others) enable him to give readers unique insights into the credit card marketplace.

Toby holds degrees in business administration and public relations from the University of Florida. Today, Toby is president of Digital Brands, a company that provides online advice and comparisons to millions of consumers on personal finance, tech, and lifestyle topics.