Venture X Business vs Ink Business Preferred
By Quy Dinh · Updated Oct 25, 2026
The short answer
If your business spends mostly on travel, shipping, ads and phone and internet, the Ink Business Preferred: 3x there on up to $150,000 a year, for $95. If its spending is spread across everything, the Venture X Business earns 2x on all of it, with Capital One Lounges, Priority Pass and a $300 travel credit plus 10,000 miles a year against the $395 fee.
The Venture X Business is a charge card, designed to be paid in full each month.
Pick the Venture X Business if
- You want lounge access
- Much of your business spending is outside bonus categories
- You pay the balance in full every month
Pick the Ink Business Preferred if
- You spend on travel, shipping, ads, phone and internet
- You want a $95 fee
- You want Chase’s transfer partners
Side by side
| Feature |  Capital One |  Chase |
|---|---|---|
| In one line | The Venture X for businesses: 2x miles on everything, lounges, a $300 travel credit and 10,000 miles a year, plus a huge limited-time bonus for big spenders. | One of the best business cards for its fee: 3x on travel, shipping, ads and phone and internet on up to $150,000 a year, with Chase’s transfer partners, for $95. |
| Annual fee | $395 | $95 |
| Statement credits | Up to $330 a year in 4 credits | Up to $120 a year in 1 credits |
| How it earns |
|
|
| Lounge access | Capital One Lounge access Priority Pass lounge membership | None |
| Welcome offer | Limited time: 150,000 bonus miles after you spend $40,000 in the first 4 months, plus another 150,000 miles and a $1,000 Business Travel credit after you spend $120,000 in that time. | 100,000 bonus points after you spend $8,000 on purchases in the first 3 months. |
| Counts toward Chase 5/24 | No | No |
Credits are counted at their full cash value; see each card’s page for how each one works and which need activation. Offers change; the bank’s page has the current one.
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