AwardWallet receives compensation from advertising partners for links on the blog. Terms Apply to the offers listed on this page. Enrollment is required for select Amex benefits. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers.
When the Capital One Venture X Rewards Credit Card entered the premium credit card space in 2021, it immediately became a fan favorite. With similar benefits but a cheaper annual fee than other premium cards, the Capital One Venture X offers a lot of perks for a justifiable annual fee. Not only are there many card benefits, but you can also add authorized users for free.
Let's look at the perks of the card itself, plus some of the Capital One Venture X authorized user benefits that your friends and family members get if you add them to your account.
Page Contents [show]
Capital One Venture X Card Perks
This card offers a sign-up bonus of 75,000 points when you spend $4,000 on purchases in the first 3 months from account opening. It charges an annual fee of $395. That's much less than other cards in the premium category. For reference, the The Platinum Card® from American Express charges an annual fee of $695 (Rates & Fees), and the Chase Sapphire Reserve® (Rates & Fees) costs $550 each year.
Even though the Capital One Venture X annual fee is far less than its competitors, it's still higher than many travelers may feel comfortable paying. It's important to factor in all of the Venture X benefits that are included which help offset the price. These include:
- A $300 annual travel credit. This is now applied as a discount on the first $300 you spend booking travel through the Capital One Travel portal.
- 10,000 miles on your card anniversary. This starts the second year your card is open and is worth a minimum of $100.
- TSA PreCheck or Global Entry credit. You will automatically receive a $120 credit to your account when you use your card to pay the fee for either of these programs. You can get the credit once every four years.
- Capital One Lounge access. There are currently three Capital One lounges, with more in the works. The current locations are Dallas-Fort Worth Airport (DFW), Denver International Airport (DEN), and Washington Dulles International (IAD). You'll also find a Capital One Landing Lounge in Washington National Airport (DCA).
- Priority Pass membership. You can access over 1,300 lounges worldwide with a free membership through Capital One Venture X.
- Primary Rental Car Coverage. Use your card to pay for your rental car and avoid having to pay extra for damage coverage. If anything happens, you will be covered by your card's insurance.
- Spending Categories. 2 Miles per dollar on every purchase, every day. 10 Miles per dollar on hotels and rental cars booked through Capital One Travel. 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel.
- No foreign transaction fees.
If you don't see yourself leveraging enough of these benefits to warrant paying the annual fee, the Capital One Venture Rewards Credit Card offers many of the same benefits with an annual fee of just $95.
How To Add Authorized User Cards to Your Capital One Venture X
Capital One allows up to four authorized users on your Capital One Venture X for no additional fee. This is another aspect that sets the Capital One Venture X apart from other premium cards. Both the Amex Platinum and the Sapphire Reserve charge cardholders for adding authorized users to their accounts.
Here's how to add an authorized user. First, go to your Capital One account online, then click on your card. From there, click “I Want To…”
Then, click “Manage Account Users”
Then, select whether you want to add an account manager or an authorized user.
From there, select “authorized user”, then go through the process of entering personal information.
Next, let's look at the Capital One Venture X authorized user benefits. There are quite a few!
Lounge Access
Authorized users get the same lounge access as the primary cardholder. Even better, each authorized user can bring two guests for free.
Since the Capital One Venture X allows you to add four authorized users, you could potentially get up to 15 people into the lounge for free. Here's the math: five cardholders (yourself included) plus two guests each equals 15 total people. That makes the Capital One Venture X especially great for large families.
Capital One Lounges
Capital One Lounge opened its flagship location at Dallas-Fort Worth International Airport (DFW) in October 2021. Since then, two additional locations have opened — Denver International Airport (DEN) and Washington Dulles International (IAD). As of June 2024, a fourth location at Harry Reid International Airport in Las Vegas (LAS) is underway, plus a fifth in New York-Kennedy (JFK). Read all about Capital One Lounges here.
To access these lounges, simply show your Capital One Venture X card and your same-day boarding pass.
Priority Pass Lounges
Priority Pass is a network of 1300+ lounges around the world. Authorized users can use their card to sign up for a Priority Pass membership and gain access to all of the lounges in the network. Once you've signed up, show your Priority Pass card (or digital card on the Priority Pass app) and your same-day boarding pass. Cardholders can bring two guests for free.
Hertz President's Circle Elite Status
Currently, authorized users will also gain the highest elite status with Hertz, known as President's Circle. President's Circle benefits include guaranteed upgrades, access to the President's Circle section of the car lot, 50% bonus points on rentals, and more. To enroll in this benefit the primary cardholder will need to go to their online profile, then “View Rewards,” then “Benefits,” then “Hertz President's Circle.”
Another perk is that you can book your car through the Capital One Travel portal. That means you can get top-tier perks while earning 10x Capital One miles on your rental car reservation.
Travel and Purchase Protections
Along with a plethora of other benefits, authorized users can access many travel protections and insurance. Each of these takes effect if you use your card to pay for your car, flight, purchase, etc. These benefits are:
- Primary rental car coverage: Decline the rental company's damage waiver and get coverage through your card, up to $75,000.
- Trip cancellation and interruption insurance: Up to $2,000 per person if your flight is canceled or disrupted, or if you're unable to fly due to illness or bodily harm.
- Trip delay reimbursement: Up to $500 per person to cover things like hotels and food if your flight is delayed by more than six hours or overnight.
- Lost luggage protection: Up to $3,000 in reimbursements if the airline loses or damages your bags.
- Cell phone coverage: Two claims of up to $800 each in a 12-month period if your phone is lost, damaged, or stolen. You will pay a $50 deductible per claim.
- Purchase protection and extended warranty: 90 days of coverage if your item is lost, damaged, or stolen. If your purchase has a warranty of three years or less, you will gain an additional year of warranty through your card.
Related: Capital One's Best Transfer Partners
Capital One Dining and Entertainment
Venture X authorized user benefits also include access to Capital One Dining and Capital One Entertainment.
Capital One Dining
Capital One partners with world-renowned Chef José Andrés to give cardholders exclusive access to reservations and culinary experiences. With Capital One Dining, cardholders can access hard-to-get reservations at more than 350 award-winning restaurants in 11 major U.S. cities, including New York, Chicago, San Francisco, Miami, Washington D.C., and more.
Capital One Dining also includes access to chef collaborations, dining events, and major food festivals. In the past, this has included Taste America® by the James Beard Foundation, the MICHELIN Guide and Capital One Destination Dining Series, and the South Beach Wine and Food Festival.
Capital One Entertainment
Cardholders also have access to Capital One Entertainment, which includes tickets to sporting and music events, theatre, comedy shows, and more. Cardholders can purchase pre-sale tickets and VIP packages through Capital One Entertainment and receive on-site perks. You can pay with Capital One miles, cash, or a combination of the two.
Final Thoughts
Capital One Venture X authorized user benefits may not include the $300 travel credit, 10,000-mile anniversary bonus, or Global Entry/TSA PreCheck credit. However, they have access to nearly every other perk that comes with the Capital One Venture X. The lower annual fee and the ability to have four authorized users for free gives this card a big leg up on the competition.
For rates and fees of the cards mentioned in this post, please visit the following links: The Platinum Card® from American Express (Rates & Fees), and Chase Sapphire Reserve® (Rates & Fees)
Show me how
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
