Chase Ink Business Premier vs. Capital One Venture X Business

The Ink Business Premier® Credit Card and the Capital One Venture X Business are both higher-end small business credit cards. While they have above-average annual fees, the benefits of each card could certainly make sense for the right small business owners, and the cards both have highly competitive rewards programs.

In this comparison, we'll take a closer look at the Ink Business Premier® Credit Card and the Capital One Venture X Business credit card, how they compare in several key areas, and how to decide which one might be the better fit for your business.

Chase Ink Business Premier vs. Capital One Venture X Business comparison

As of Dec. 26, 2024


Ink Business Premier® Credit Card	Capital One Venture X Business
Rating image, 4.00 out of 5 stars. 4.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. Rating image, 4.00 out of 5 stars. 4.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Rating image, 4.75 out of 5 stars. 4.75/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. Rating image, 4.75 out of 5 stars. 4.75/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Apply Now for Ink Business Premier® Credit Card On Chase's Secure Website.	Apply Now for Capital One Venture X Business On Capital One's Secure Website. Rates & Fees
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Credit Rating Requirement: Recommended Credit Score required for this offer is: Good (670-850) Good (670-850)	Credit Rating Requirement: Recommended Credit Score required for this offer is: Excellent (740-850) Excellent (740-850)

Welcome Offer: Earn $1,000 bonus cash back	Welcome Offer: 150,000 Miles

Rewards Program: N/A	Rewards Program: 2X-10X miles

Intro APR: Purchases: N/A Balance Transfers: N/A	Intro APR: Purchases: N/A Balance Transfers: N/A

Regular APR: Flex for Business Variable APR: 18.74% - 26.74%	Regular APR: N/A

Annual Fee: $195	Annual Fee: $395

Highlights: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance. The only business credit card with 2.5% cash back on every purchase of $5,000 or more. Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest. Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection. There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more. Member FDIC	Highlights: Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards Empower 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 ease Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection This is a pay-in-full card, so your balance is due in full every month
Apply Now for Ink Business Premier® Credit Card On Chase's Secure Website.	Apply Now for Capital One Venture X Business On Capital One's Secure Website. Rates & Fees
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Why Chase Ink Business Premier might be the ideal choice

We're going to get into the specifics about annual fees, welcome offers, rewards, and more later on, but let's take a look at the Ink Business Premier® Credit Card and what perks you get for the $195 annual fee. You'll get free employee cards, cellphone protection for up to $1,000 per claim for you and your employees, and no foreign transaction fees. However, the biggest perk is the card's rewards program itself, as we'll discuss later.

It's also worth noting that the Ink Business Premier® Credit Card is technically a "pay-in-full" card, meaning that the entire balance is generally due each month (although there's some flexibility to carry a balance). But the general idea is that the Ink Business Premier® Credit Card could be an ideal fit for small business owners who aim to pay their credit card bills in full every month and whose main priority is maximizing rewards on their spending.

Apply for Ink Business Premier® Credit Card

Why Capital One Venture X Business could be the better option

The Capital One Venture X Business card has an excellent reward program with a strong base rate and some valuable bonus categories. But cardholders get far more perks in addition to a solid rewards program (as they should for a $395 annual fee).

For starters, the Capital One Venture X Business offers an annual $300 credit for bookings made through Capital One Travel, which essentially lowers the annual fee to just $95 for cardholders who take advantage of it. It also comes with a 10,000 mile bonus on every account anniversary, and a credit of up to $120 to cover a Global Entry or TSA PreCheck membership every four years. And like the Ink Business Premier® Credit Card, this is a pay-in-full card, so you're expected to pay your balance off each month.

The Capital One Venture X Business card is also one of the cheapest cards I know of that provides access to airport lounges.

Apply for Capital One Venture X Business

Chase Ink Business Premier vs. Capital One Venture X Business overview

Now that we've seen an overview of the key features and target small business customers of both cards, let's take a closer look at how they compare in some of the areas that are most important to American small businesses.

Annual fee

Winner: Ink Business Premier® Credit Card with an annual fee $200 cheaper than the Capital One Venture X Business.

These two small business credit cards have significant differences in annual fees. First, the Capital One Venture X Business has a $395 annual fee, which isn't the highest in the small business credit card industry, but is certainly on the higher end of the spectrum.

Meanwhile, the Ink Business Premier® Credit Card is a relative bargain. With an annual fee of $195, it costs less than half as much as the Capital One Venture X Business. Of course, an annual fee is only "expensive" if it isn't justified by the card's benefits, but in this category, the winner is clear.

Welcome offers

Winner: Ink Business Premier® Credit Card for a more attainable spending goal.

Both the Ink Business Premier® Credit Card and the Capital One Venture X Business have competitive welcome offers, but they are rather different. First, the Ink Business Premier® Credit Card offers $1,000 in bonus cash back after spending $10,000 on purchases in the first 3 months after opening the account.

On the other hand, the Capital One Venture X Business card offers a bonus of 150,000 Miles (worth at least $1,500) after spending $30,000 within the first 3 months. It's also worth noting that Capital One miles can be transferred to several airline and hotel loyalty programs, and when used this way, miles can be worth considerably more.

As you can see by the spending requirements, both of these cards are designed for businesses with relatively high spending needs. But the Capital One Venture X Business's $30,000 spending requirement in 3 months to get the bonus might be unattainable for many small businesses. Plus, the base value of the Ink Business Premier® Credit Card's bonus represents a greater percentage of the required spending.

Intro APRs

Winner: Tie, as neither card has any intro APR.

This part of the comparison is (unfortunately) an easy one. Neither the Ink Business Premier® Credit Card or the Capital One Venture X Business offer any intro APR on either purchases or balance transfers.

Rewards

Winner: Capital One Venture X Business because its miles are transferable.

Let's see if the Capital One Venture X Business can make up some ground here. We'll start with the rewards offered by the Ink Business Premier® Credit Card.

This card's cash back rewards program has highly competitive rewards rates, especially on travel and large purchases. Specifically, the Ink Business Premier® Credit Card earns:

5% cash back on travel purchased through Chase Ultimate Rewards
2.5% total cash back on any purchases of $5,000 or more
2% cash back on all other business purchases

On the other hand, the Capital One Venture X Business card offers:

10X miles on hotels and rental cars booked through Capital One Travel
5X miles on flights booked through Capital One Travel
2X miles on all other purchases

Clearly, the standout features are the higher rewards rate for large purchases with the Ink Business Premier® Credit Card and the 10X miles earning rate on hotels and rental cars booked through Capital One Travel from the Capital One Venture X Business.

Neither rewards program is the clear winner based on the categories listed above, but I'd give the edge to the Capital One Venture X Business simply because its miles are transferable to several airline and hotel loyalty programs and can be worth far more if redeemed strategically.

What everyone else is saying

The general consensus on the Capital One Venture X Business is that it's an exceptional value if and only if you travel often for business. Many commenters in social media forums say the welcome bonus is among the best in the business, but agree that the spending threshold is a bit on the high end. On the other hand, while the Ink Business Premier® Credit Card is generally regarded as a solid product, the lack of transferable points is a major customer pain point.

Final take

The Capital One Venture X Business packs a lot of value into a card with a $395 annual fee. For many travelers, the airport lounge access alone is worth more than that, and the annual travel credit knocks the effective annual cost down to just $95. I'd even go so far as to say that the Capital One Venture X Business is the clear winner for small business owners who travel often for their business.

If you don't regularly travel in the course of your business, picking between these two is a little more complicated. Both cards have comparable rewards programs, and if you aren't using the travel benefits, it can be difficult to justify the Capital One Venture X Business's higher annual fee. In this case, the Ink Business Premier® Credit Card might be right for you.