Venture Business
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How we calculate effective rate →
The Venture Business from Capital One earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn 100,000 when you spend $10,000 in the first 3 months.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $95
Worth a look for dining spend if you need a business card and can use Capital One Miles the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Venture Business earn in each category?
Dining is the strongest category at 1% effective value (2x points at about 0.5 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Venture Business compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (2x points at about 0.5 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Venture Business compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 1% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 1% |
| Gas Gas stations and fuel | 2x points | 1% |
| Travel Flights, hotels, transit | 2x points | 1% |
| Other General everyday spend | 2x points | 1% |
Madeen values Capital One Miles at about 0.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Venture Business?
The Venture Business fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Venture Business fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Less compelling if the $95 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use Capital One Miles the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1% effective (2x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Capital One Miles value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the Venture Business welcome bonus?
In Madeen's catalog snapshot, the Venture Business welcome offer is Earn 100,000 when you spend $10,000 in the first 3 months. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 100k Capital One Miles (~$500 estimated)
- Terms (catalog snapshot)
- Earn 100,000 when you spend $10,000 in the first 3 months
- Minimum spend
- $10,000
- Window
- 3Months
Does the Venture Business have an annual fee?
The Venture Business has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
What travel perks does the Venture Business include?
The Venture Business includes Trusted traveler credit, $50 annual statement credit, $50 annual travel credit, Car Rental Insurance in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
Receive up to a $120 statement credit on Global Entry or TSA PreCheck®
What benefits come with the Venture Business?
Up to a $120 Global Entry or TSA PreCheck credit
$120/yrReceive up to a $120 credit for Global Entry or TSA PreCheck® every 4 years.
$50 annual statement credit
$50/yrGet an annual $50 statement credit for purchases at qualifying advertising or software merchants.
$50 annual travel credit
$50/yrReceive an annual $50 travel credit for bookings through Capital One Business Travel.
Lifestyle Collection
$25/yrUnlock premium benefits with every stay, like a $50 experience credit, room upgrades when available and more. Plus, earn 5X miles on hotel stays booked through Capital One Business Travel. Explore the Lifestyle Collection.
Melio
$25/yrPaying your business bills has never been simpler — or more rewarding. Get up to $100 in fee credits when you pay with Melio. Offer expires on 7/31/2027.
Car Rental Insurance
$10/yrReimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart Business
$10/yrFuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer expires on 1/31/2027.
Intuit® QuickBooks® Online and QuickBooks Online Payroll
$10/yrSave 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
Intuit® TurboTax®
$10/yrSave 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
Luminary
$10/yrSave 30% on an annual or monthly Luminary membership to access Luminary’s global professional education and networking platform. Offer expires on 11/30/2027.
Related encyclopedia topics
Common questions about the Venture Business
What credit score is needed for venture?
Madeen's catalog lists a typical credit range of Excellent for the Venture Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the Venture Business have an annual fee?
The Venture Business carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Venture Business?
Dining is the strongest Madeen category for the Venture Business at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Venture Business charge foreign transaction fees?
The Venture Business does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Venture Business welcome bonus?
The Venture Business welcome offer in our snapshot: Earn 100,000 when you spend $10,000 in the first 3 months. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Venture Business annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the Venture Business compare to similar cards?
Compare the Venture Business against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); SavorOne Dining Rewards (4% on Dining, $95 fee); The Key Rewards Visa (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Venture Business This card | Dining | 1% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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