The Capital One Spark Miles for Business card is no longer available.
Capital One has been making airport lounge access updates for its cardholders. After completely removing the free airport lounge access benefit from two cards early this year, the issuer recently announced limiting lounge access for other cardholders beginning next year.
While even non-Capital One cardholders can access the airport lounge by paying for a $90 day pass per person, there are premium credit cards that offer free access. Here's what you need to know.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card used to but no longer grants cardholders free visits to Capital One lounges. It's still a top-notch travel credit card, however, that earns transferable Capital One Miles, one of the most valuable types of credit card rewards, and all with a sub-$100 annual fee. The card has an up to $120 statement credit for Global Entry or TSA PreCheck and 24-hour travel assistance.
While the complimentary lounge access was removed, Capital One Venture Rewards cardholders can still pay a discounted rate of $45 per visit to access Capital One lounges (versus the $90 non-cardholders pay).
The Capital One Venture Rewards Credit Card has a reasonable annual fee and earns flexible travel rewards, which makes it a great travel card for both beginners and frequent travelers.
- Valuable welcome offer
- You can transfer miles to Capital One's travel partners
- Global Entry or TSA PreCheck application fee credit
- No foreign transaction fees
- Lacks ongoing travel benefits such as statement credits or lounge access
- Limited bonus spending category that only applies to certain Capital One Travel bookings
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- LIMITED-TIME OFFER: Enjoy $300 to use on hotel and vacation rental bookings through Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that's more than $1,000 in travel value
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- Top rated mobile app
Balance transfer fee
$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Foreign transaction fee
None
Capital One Spark Miles for Business
The Capital One Spark Miles for Business also stripped cardholders of free lounge access. Even so, this credit card is still good for business owners who travel. It also earns Capital One miles and has a $0 annual fee for the first year, then $95 after that.
Capital One Spark Miles for Business cardholders also have the option to pay a discounted $45 per visit to access lounges.
Capital One Venture X Rewards Credit Card
Primary cardholders of the Capital One Venture X Rewards Credit Card still receive free airport lounge access but, starting Feb. 1, 2026, additional cardholders (authorized users and account managers) will no longer receive complimentary access. A fee of $125 for each additional cardholder will apply to visit the lounge. Also on this date, primary cardholders and authorized users will have to pay $35 per guest to bring into Priority Pass™ lounges. Guest access for Capital One Lounge and Landing locations will cost $25 to $45.
This Capital One card comes with a hefty $395 annual fee, but the benefits can make it worth the cost. Cardholders get an annual $300 travel credit for Capital One Travel bookings and a 10,000-mile bonus, worth $100 in travel, every year starting on the first anniversary of when they opened their account.
The Capital One Venture X Rewards Credit Card is a premium credit card with a myriad of benefits and a lower annual fee than other high-end cards with similar features.
- Annual $300 credit for bookings through Capital One Travel
- 10,000 bonus miles after every card anniversary
- Unlimited complimentary access to 1,300+ airport lounges, including Capital One Lounge and Landing locations
- Long list of valuable travel and shopping protections, including return protection, rental car coverage and trip delay reimbursement (Benefit(s) only available to accounts approved for the Visa Infinite card. Terms apply.)
- Limited bonus spending categories compared to other premium credit cards
- High annual fee
- High credit score requirement (excellent credit)
Highlights
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Top rated mobile app
Balance transfer fee
$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Foreign transaction fees
$0
Capital One Venture X Business Credit Card
The Capital One Venture X Business Credit Card offers its primary cardholders free lounge access, but the same new rules as with the Venture X Rewards apply: On Feb. 1, 2026, additional cardholders (authorized users and account managers) will cost $125 each for a visit. Primary cardholders still receive two complimentary guests to Priority Pass™ lounges, and additional cardholders who get lounge access get two complimentary guests (after, $35 per guest).
The Venture X Business shares the same $395 annual fee and benefits as the Venture X Rewards.
The Capital One Venture X Business Credit Card has all the benefits you expect with a premium business card, including flexible travel rewards, airport lounge access and travel insurance.
- Extremely valuable welcome bonus
- 10,000 bonus miles after every card anniversary
- Unlimited complimentary access to 1,300+ airport lounges, including Capital One Lounge and Landing locations
- Annual $300 credit for bookings through Capital One Business Travel
- Limited bonus spending categories compared to other business credit cards
- High annual fee
- No airport lounge access for employee cardholders
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- 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 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- 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 made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Your card is designed to be paid in full. However you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
- Top rated mobile app
For both Venture X Rewards and Venture X Business cards, once you reach at least $75,000 in spending per calendar year across your account, you can bring in two complimentary guests to Capital One lounges and one complimentary guest to Capital One Landings.
Alternative low-annual-fee cards with airport lounge access
If you're looking for a card with an airport lounge access benefit and an annual fee under $100, you don't have many options. And all of these cards provide a limited number of free lounge visits.
The U.S. Bank Altitude® Connect Visa Signature® Card has a $0 annual fee. Cardmembers receive four free Priority Pass lounge visits every year, and enrollment is required.
- Intro APR for balance transfers
- Global Entry and TSA PreCheck® application fee credit
- Limited to four free lounge visits per year
- You cannot transfer points to travel programs
If you prefer to fly United, the United℠ Explorer Card (see rates and fees) or United Club℠ Business Card may be a good fit. Both cards offer lounge access when the primary cardmember or authorized user is traveling. The United Explorer Card offers two passes per year, while the The New United Club Business Card offers four passes per year, but these passes are only valid at United Club locations.
The United℠ Explorer Card is worth it even if you only fly with United Airlines once or twice a year because you can take advantage of two United Club℠ passes per year when the primary cardmember or authorized user is traveling and you can receive free checked bags.
- No annual fee for the first year
- Unlocks upgrades for elite members on award flights
- Two free United Club airport lounge passes every year
- Valuable United Airlines perks, such as in-flight purchase discounts and the ability to earn elite status credit through credit card spending
- First checked bag free benefit requires you to pay for the flight with the card
- United Airlines has a dynamic award chart which can limit the value and flexibility of your miles
The New United Club℠ Business Card is a great fit for any business traveler who wants luxury perks with United Airlines, such as unlimited United Club access, priority security screening and an opportunity to boost your elite status through credit card spending.
- Unlimited access to United Club and participating Star Alliance airport lounges
- First and second checked bags for free
- Premier Access perks, including priority check-in, boarding, baggage handling and security screening
- High annual fee
- Free checked bags benefit requires you to pay for the flight with the card
Rewards
- 8x total miles on eligible United flights
- 2x miles on all other eligible United® purchases
- 5 miles on hotel stays when you prepay directly through Renowned Hotels and Resorts
- 1.5x miles on all other purchases
Balance transfer fee
- Either $5 or 5% of the amount of each transfer, whichever is greater.
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Information about the U.S. Bank Altitude® Connect Visa Signature® Card, Capital One Spark Miles for Business card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
