Capital One Venture X Business

Capital One Lounges and Landings

Free for the primary cardholder. Guests pay $45 each (18 and older) or $25 (17 and under); children under two are free. After $75,000 of purchases on the account in a calendar year, up to 2 guests are free at Capital One Lounges and 1 at Landings.

Priority Pass

1,300+ lounges for the primary cardholder, once enrolled, with up to 2 guests free per visit; further guests pay $35 each. On the personal Venture X, every Priority Pass guest pays.

Lounges for employee cardholders

Not included. Lounge access costs $125 a year per additional cardholder, for up to 4 of them. Employee cards without lounge access are free.

Transfer partners

18 airlines and 4 hotel programs, per Capital One’s transfer page. Most airlines transfer at 1:1, including Air Canada Aeroplan, Avianca LifeMiles, British Airways Club, Flying Blue, Qatar Privilege Club, Singapore KrisFlyer and Turkish Miles&Smiles; Emirates, EVA Air and Japan Airlines at 2:1.5; JetBlue at 5:3. Hotels: Choice Privileges and Wyndham Rewards at 1:1, I Prefer at 1:2, Accor at 2:1. Minimum transfer 1,000 miles.

Premier Collection hotels

On bookings through Capital One Business Travel: a $100 experience credit, daily breakfast for two, Wi-Fi, and a room upgrade, early check-in and late checkout when available.

Hertz President’s Circle

Complimentary Hertz President’s Circle status, once enrolled through the Capital One website or app.

How payment works

No preset spending limit. Purchases up to a Pay Over Time limit set by Capital One can be carried at 25.99% variable APR; anything above it is due in full each month. A late payment costs 2.99% of the unpaid minimum.

Capital One Business Travel

A booking tool with travel policies, administrators and spend tracking for the business, included at no cost.

Auto rental collision damage

The guide’s conditions require the car to be rented primarily for business purposes, in the cardholder’s own name, paid in full with the card, for 31 days or less; those rentals are covered on a primary basis for theft and damage. The guide sets no fixed dollar cap on the vehicle (it pays the lesser of repair cost or actual cash value); loss-of-use charges up to $500, personal effects up to $1,000 per person and $2,000 per rental. Not available in Ireland, Northern Ireland, Israel, Jamaica, Australia, Italy or New Zealand.

Trip cancellation and interruption

Up to $1,500 per covered trip and $5,000 per account per 12 months, for non-refundable common carrier fares paid with the card, when illness, injury or death cancels or cuts short the trip.

Baggage delay

$100 a day for up to 3 days ($300) for essentials when checked bags are delayed more than 4 hours.

Lost or damaged luggage

Up to $1,500 per incident, 2 claims per 12 months, above what the carrier pays.

Travel accident insurance

Up to $1,000,000 when the full fare is charged to the card.

Cell phone protection

Up to $800 per claim and $1,000 per 12 months, 2 claims, after a $50 deductible. Pay the monthly phone bill with the card.

Purchase assurance

Theft or damage within 90 days of purchase: up to $10,000 per claim and $50,000 per account per 12 months.

Extended warranty

Doubles manufacturer warranties of 5 years or less, adding up to 12 months; up to $10,000 per item.

Price protection

Up to $500 per item and $2,500 a year when an identical item is advertised for less within 60 days of purchase.

Rideshare protection

Up to $750 per trip for personal items lost or stolen in a rideshare vehicle, after a $100 deductible; 2 claims and $1,500 per 12 months.