Reasons to Consider Adding Authorized Users on the Capital One Venture X

The Capital One Venture X Rewards Credit Card disrupted the premium rewards credit card sector upon its release in November 2021, challenging established options like the The Platinum Card® from American Express and the Chase Sapphire Reserve®.

Although the $395 annual fee for the Venture X (see rates and fees) is notable, it remains significantly lower than fees imposed by competitors. The card's benefits are competitive, with many extending to authorized users, and cardholders can add up to four authorized users at no additional cost (see rates and fees).

Let’s explore the comprehensive benefits that additional users of the Venture X card can enjoy. We will particularly focus on the increasing number of lounges accessible to you and your travel companions at no extra cost.

Overview of the Venture X Card

Before diving in, let’s go over the specifics of the Venture X card:

• Sign-up bonus: Receive 75,000 bonus Capital One miles after spending $4,000 on purchases within the first three months of opening your account.
• Earning rates: Earn 10 miles per dollar on hotel and rental car bookings through Capital One Travel, 5 miles per dollar on flights booked via Capital One Travel, and 2 miles per dollar on all other purchases.
• Annual credit: Enjoy a $300 travel credit each year when you book through the Capital One Travel portal with your Venture X card.

• Anniversary bonus: Receive 10,000 bonus miles each year on your account anniversary.
• Capital One Lounge access: Enjoy unlimited access to Capital One Lounges for you and two guests (additional guests will incur a $45 fee each).
• Plaza Premium Lounge access: Gain entry to over 100 Plaza Premium airport lounges with two complimentary guests.
• Priority Pass membership: Access more than 1,300 Priority Pass lounges globally for yourself and up to two guests traveling with you.
• Global Entry or TSA PreCheck reimbursement: Receive up to $120 in statement credits every four years for either trusted traveler program.
• No foreign transaction fees (see rates and fees).
• $395 annual fee (see rates and fees).

What benefits of Venture X apply to additional cardholders?

Although the Venture X's annual fee of $395 might appear steep, a significant advantage is the option to add up to four authorized users at no extra cost. This is particularly beneficial when compared to the Amex Platinum Card, which charges $195 per additional card, and the Chase Sapphire Reserve®, which costs $75 per authorized user. This makes the Venture X a more budget-friendly choice for couples and families.

Moreover, numerous benefits also extend to authorized users.

Access to airport lounges

Capital One's flagship lounge at Dallas Fort Worth International Airport (DFW) launched in late 2021, followed by a second lounge at Dulles International Airport (IAD) and a third at Denver International Airport (DEN). The facilities are impressive, featuring Peloton bikes and high-quality, locally sourced dining options.

Plans are underway for another lounge at Harry Reid International Airport (LAS), though we currently lack specific opening dates.

At the moment, there are only three Capital One Lounges available, but Venture X cardholders also receive a complimentary Priority Pass lounge membership, allowing them to bring in up to two guests traveling with them, along with access to over 100 Plaza Premium lounges (with the same guest policy).

What enhances the appeal of the Venture X's lounge access is that authorized users can enjoy the same privileges as the primary cardholder. This means you can add up to four authorized users to your account, each of whom can access the lounges and bring guests along.

For families with many members, this benefit can be extremely valuable. Just keep in mind that an adult must accompany any guests under 18 years old.

Imagine you sign up for the Venture X and add four authorized users at no cost (see rates and fees). Each cardholder, including you, can access Capital One and participating Plaza Premium lounges along with two guests. In total, that means 15 people could enter the lounge (including yourself) — five cardholders plus two guests each.

The guest policy for Venture X cardholders is even more generous at Priority Pass lounges: unlimited guests. This is quite a benefit for just one credit card, and with this perk, you could easily enjoy over $395 in food and drinks annually.

Keep in mind that the process for accessing these lounges differs slightly:

• Capital One Lounges: Present your Venture X card along with a same-day boarding pass to gain entry.
• Priority Pass lounges: Sign up for your complimentary Priority Pass membership at this link using your Venture X details, then show your Priority Pass card and a same-day boarding pass to enter.
• Plaza Premium lounges: Show your Venture X card and same-day boarding pass for entry.

This benefit extends to both the primary cardholder and any authorized users of the card.

Complimentary Hertz President's Circle elite status

Thanks to its partnership with Capital One, Hertz offers complimentary Hertz President's Circle elite status to both Venture X primary cardholders and authorized users. This elite status includes perks like a guaranteed one-class car upgrade, 50% bonus points on all rentals, access to a wider selection of vehicles, and a dedicated customer service hotline.

Eligible cardholders must register through the Capital One website or mobile app. To find the registration link, cardholders should navigate to their eligible card's "Rewards" tab or "Capital One Travel Benefits" tab and click on the Hertz benefit tile. Primary cardholders need to enroll their authorized users using this same method.

You can also combine this benefit with the chance to earn additional miles on rental car reservations made through Capital One Travel. Enjoy your Hertz perks while earning 10 miles per dollar on rentals booked via Capital One Travel, a stacking opportunity not offered by other cards, portals, or rental agencies. This way, you secure the best of both advantages.

Purchase and travel protections

As a Visa Infinite card, the Capital One Venture X provides several key travel and purchase protections that both the primary cardholder and authorized users can rely on:

• Trip cancellation and interruption insurance: Up to $2,000 per person for prepaid, nonrefundable tickets for you and your immediate family.
• Trip delay reimbursement: Up to $500 per person for reasonable expenses such as hotel accommodations, food, toiletries, or clothing if your flight is delayed overnight or by six hours or more.
• Lost luggage reimbursement: Up to $3,000 per trip if the airline loses or damages your bags.
• Cellphone protection: Coverage of up to $800 per claim with a maximum of two claims and $1,600 per year. A $50 deductible applies for each occurrence.
• Primary rental car insurance: Up to $75,000 for damage from collision or theft of a rental vehicle.
• Purchase, extended warranty, and return protections: Up to $10,000 per claim and $50,000 per account on purchases; warranties are extended by an additional year; returns are allowed up to $300 per item and $1,000 per account.

Which benefits do authorized users of the Venture X share?

Authorized users on the Venture X card do not get their own $300 annual credit or any Global Entry or TSA PreCheck application fee credit. These benefits are limited to one credit per account. This means that eligible charges made by an additional card will count towards the primary cardholder's benefits.

Similarly, only the primary cardholder is eligible for the 10,000-mile anniversary bonus.

However, authorized users earn Capital One miles at the same rate as the primary card, and their spending contributes to the card's minimum spending requirement to qualify for the introductory bonus. Therefore, adding users to your account and having them spend (responsibly) can help you earn those 75,000 bonus miles more quickly.

How to add authorized users to your Venture X

When you're ready to add authorized users to your Venture X, log into your Capital One account and find the "I Want To" button on the right side of the screen. Click on "Add Account User."

Next, you'll need to determine the level of access you wish to grant your authorized user. You have two choices:

• Account Manager
• Authorized User

Below is a comprehensive chart outlining the access levels for primary cardholders, account managers, and authorized users.

After you evaluate the options and make your choice, you'll need to provide your authorized user's first and last name, phone number, date of birth, and Social Security number.

Bottom Line

It's clear that the Capital One Venture X Rewards Credit Card offers substantial benefits for authorized users. The highlight is the ability to add up to four extra cardholders at no extra cost (see rates and fees), making it a budget-friendly option for larger families and groups. When you visit a Capital One, Priority Pass, or Plaza Premium lounge, you can bring the entire crew thanks to these authorized user perks.

Discover more: Capital One Venture X Rewards Credit Card

For Capital One products mentioned on this page, some benefits may be offered by Visa® or Mastercard® and could differ by product. Please refer to the respective Guide to Benefits for further details, as terms and exclusions may apply.

*Eligible cardholders who enroll through the Capital One website or mobile app will maintain that status level for the entire duration of the offer. Please be aware that enrolling via the standard Hertz Gold Plus Rewards process (e.g., at Hertz.com) will not automatically identify a cardholder as eligible for this program, nor will it guarantee an upgrade to the corresponding status tier. Additional terms may apply.