Capital One offers up to 300,000 points and $1,000 travel credit
Capital One, the big bank, launched a new business credit card bonus.
The short version
- You can earn 300,000 points and a $1,000 travel credit.
- The catch is a massive $120,000 total spend requirement.
- Every purchase earns 2x points along the way.
- Check your cash flow before applying for this card.
Capital One, the big bank, just launched a massive new business credit card bonus worth up to 300,000 points and a $1,000 travel credit, according to Doctor of Credit. Business owners across Lakewood and Brooklyn staring down their next big inventory run or tax payment might notice the offer, but the fine print requires an eye-watering $120,000 in total spend.
Picture opening your monthly statement to find a six-figure ledger staring back at you just to unlock the reward. The previous bonus required $150,000 in spend, making this new tier 30,000 less demanding on your bottom line. Every single purchase along the way earns 2x points, which adds up fast if your supply chain runs high bills.
Capital One pulls all three major credit bureaus when you apply, unlike some lenders who only check one. The statement balances on these Venture X business cards typically do not report to your personal credit bureaus, keeping your personal debt-to-income ratio clean.
For a growing warehouse or trucking business with heavy overhead, hitting $120,000 might happen organically through regular supplier invoices. But forcing spend just to chase points can cost you more in interest than the travel credit is worth. Run your numbers twice before you sign up.
Photo: Lluck002, CC BY-SA 4.0, via Wikimedia Commons
