Ink Business Preferred® vs Capital One Venture Business
Side-by-side comparison
| Ink Business Preferred® | Capital One Venture Business | |
|---|---|---|
| Annual fee | $95 | $95 |
| Welcome offer | 100,000 Ultimate Rewards® Points | 100,000 Miles |
| Advertising | 3% | 2% |
| Shipping | 3% | 2% |
| Office supplies | 1% | 2% |
| Phone & internet | 3% | 2% |
| Travel | 3% | 2% |
| Everything else | 1% | 2% |
| Est. yearly rewards* | $846 | $900 |
| Points type | Transfers to airlines & hotels | Transfers to airlines & hotels |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Ink Business Preferred® earns about $846 a year in rewards and the Capital One Venture Business about $900, valuing every point at a flat 1 cent. The Ink Business Preferred® charges $95, but carries about $10 in annual statement credits that offset it for anyone who uses them. The Capital One Venture Business charges $95, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Capital One Venture Business delivers more total value, about $49 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and office supplies. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Ink Business Preferred® if your spending leans toward advertising, shipping, phone & internet. Pick the Capital One Venture Business if your spending leans toward office supplies, everything else.