Capital One Venture Business

The pitch here is simplicity: 2x miles on every business purchase with no category tracking, for a $95 annual fee and no foreign transaction fees. The signup bonus of 100,000 miles after $10,000 in three months is the other draw, though it has been volatile lately, rising from 75,000 to 150,000 in June before settling back to 100,000 in July. The 5x rate is narrower than it looks: it applies only to hotels, vacation rentals, and rental cars booked through Capital One Business Travel, so most spending lands at the 2x base. Small credits help chip at the fee, with $50 a year toward Capital One Business Travel, up to $50 for software and advertising, and up to $120 for Global Entry or TSA PreCheck every four years. Free employee cards that earn on the primary account make it easier to hit that $10,000 threshold if you have a team spending alongside you.