Capital One Venture X Business: Send Help, I’m Approved

This year I wrote Am I Losing the Points Game? The premise for that post was that I was spending too much on annual fees. I also will admit that I spend too much because I churn too much leaving me with minimum spends that convert want to do’s to need to do’s. I’m not buying things just to meet the mins, but I am buying them all at once to hit the mins. When I saw the offer for the Capital One Business Venture X, I told myself to let it go. I don’t need to spend 20k in 3 months. I don’t need another 150k points. But then I looked at the business expenses that are coming up and rationalized that pre-paying them would not be reckless. As far as the $395 annual fee, it will not help my desire to see the total balance decline (see 2023 What I Spent (And Received) in Annual Fees). But, the card does come with a $300 travel credit which, combined with the points, more than offsets the introductory fee. The only question is whether I will keep the personal card (see Keep vs. Cancel (Proactive Edition): Capital One Venture X).