The Capital One Venture X Rewards Credit Card shook up the premium rewards credit card market when it launched in November 2021, giving legacy cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® a run for their money.
While the Venture X’s $395 annual fee is still something to consider, it’s much lower than what Capital One’s rivals charge. Not only are the card’s perks competitive, but many even extend to authorized users — and cardholders can add up to four authorized users at no additional cost.
Let’s review the full suite of benefits that additional users of the Venture X card will enjoy. In particular, we’ll highlight the growing number of lounges you and your traveling companions can all visit together without any additional out-of-pocket cost.
Venture X overview
Before we dig in, let’s review the details of the Venture X card.
Venture X cardholders receive:
- Sign-up bonus: Earn 75,000 bonus Capital One miles after spending $4,000 on purchases in the first three months from account opening.
- Earning rates: Earn 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel, 5 miles per dollar spent on flights and vacation rentals booked through Capital One Travel and 2 miles per dollar spent on all other purchases.
- Annual credit: Receive a $300 credit annually when you book travel with your Venture X through Capital One Travel.
- Anniversary bonus: Earn 10,000 bonus miles every account anniversary.
- Capital One Lounge access: Get unlimited access to Capital One Lounges for you and two guests (each guest after that will cost $45).
- Priority Pass membership: Enjoy access to more than 1,300 Priority Pass lounges worldwide for you and up to two guests traveling with you.
- Plaza Premium lounge access (ending March 1, 2025)
- Global Entry or TSA PreCheck reimbursement: Receive up to a $120 statement credit every four years for either trusted traveler program.
- No foreign transaction fees
- $395 annual fee
Related: 6 things to do when you get the Capital One Venture X
Which Venture X benefits apply to additional cardholders?
While the Venture X’s $395 annual fee may seem high on paper, one key benefit is the ability to add up to four authorized users for no additional charge. That’s huge, considering the Amex Platinum Card charges $195 per authorized user (see rates and fees), and the Chase Sapphire Reserve charges $75 per authorized user.
This makes the Venture X a much more affordable option for couples and families, plus many perks extend to authorized users as well.
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Airport lounge access
Capital One’s flagship lounge at Dallas Fort Worth International Airport (DFW) opened in late 2021, and since then, they opened a second lounge at Dulles International Airport (IAD) and a third lounge at Denver International Airport (DEN) as well as a unique “landing” concept in Washington, D.C.’s Ronald Reagan Washington National Airport (DCA). The amenities — like Peloton bikes and premium, locally sourced eats — are outstanding.
Additional lounges are in the works at Harry Reid International Airport (LAS) and New York’s John F. Kennedy International Airport (JFK), while an additional landing is planned to open in New York’s LaGuardia Airport (LGA). However, there are no set opening dates for these locations yet.
While there are only three Capital One Lounges open for now, Venture X cardholders also get a complimentary Priority Pass lounge membership (with the ability to bring in up to two guests traveling with you) and access to over 100 Plaza Premium lounges (with the ability to bring in up to two guests for no additional charge).
However, what makes the Venture X’s lounge privileges even more compelling is that authorized users can enjoy the same lounge access privileges as the primary cardholder. So, you can add four free authorized users to your card, and each can visit all of the lounges named above while also bringing in guests.
If you have a large family, this benefit could be invaluable. Just know that an adult must accompany guests under 18 years old.
Related: Big family? No problem! Get unlimited lounge guests with this credit card
Let’s say you opened the Venture X and then added four additional users. You and each of your authorized users would each be able to get into Capital One and participating Plaza Premium lounges along with two guests each. Add it all together — five cardholders plus two guests apiece — and you could get 15 travelers into the airport lounge altogether (one of those people being you).
And the guest policy for Venture X cardholders is even better at Priority Pass lounges: unlimited guests — not bad for a single credit card.
Just note that the exact procedure for accessing these lounges varies:
- Capital One Lounges: Show your Venture X card and eligible, same-day boarding pass for entry.
- Priority Pass lounges: Register for your complimentary Priority Pass membership at this link using your Venture X details. Then, present your Priority Pass card and eligible, same-day boarding pass for entry.
This applies to both the primary cardholder and authorized users on the card.
Complimentary Hertz President’s Circle elite status
Hertz’s partnership with Capital One grants complimentary Hertz President’s Circle elite status to Venture X primary cardholders and authorized users. This top-tier status gets you a guaranteed one-class car upgrade, 50% bonus points on all rentals, access to a broader range of cars and a dedicated customer service line.
Eligible cardholders must enroll through the Capital One website or mobile app. Cardholders can find the link to register by visiting their eligible card’s “Rewards” tab or “Capital One Travel Benefits” tab and clicking on the Hertz benefit tile. Primary cardholders must enroll authorized users through this same process.
You can also stack this benefit with the ability to earn extra miles on rental car bookings made with Capital One Travel. You can get your Hertz perks and earn 10 miles per dollar spent on rentals booked with Capital One Travel, which isn’t a stacking combination available with other cards, portals or rental agencies. In this way, you’re guaranteed the best of both worlds.
Purchase and travel protections
The Capital One Venture X is a Visa Infinite card, so there are several important travel and purchase protections that both the primary cardholder and authorized user(s) can count on:
- Trip cancellation and interruption insurance: Up to $2,000 per person for prepaid, nonrefundable tickets for you and immediate family members.
- Trip delay reimbursement: Up to $500 per person for reasonable expenses like hotel rooms, food, toiletries or clothes when your flight is delayed overnight or by six hours or more.
- Lost luggage reimbursement: Up to $3,000 per covered trip if the airline damages or loses your bags.
- Cellphone protection: Up to $800 in coverage per claim with a maximum of two claims and $1,600 per 12-month period. A $50 deductible applies per occurrence.
- Primary rental car insurance: Up to $75,000 due to damage caused by collision or theft to a rental car.
- Purchase, extended warranty and return protections: Up to $10,000 per claim and $50,000 per account on purchases; warranties extended by an additional year; return up to $300 per item and $1,000 per account.
Which benefits do Venture X authorized users share?
Authorized users on the Venture X do not receive their own $300 annual credit or another Global Entry or TSA PreCheck application fee credit. Each of these is limited to a single credit per account. That means these credits should apply to eligible charges made with an additional card on the account, but they will count against the primary cardholder’s benefit.
Likewise, only the primary cardholder will receive the 10,000-mile anniversary bonus.
That said, authorized users’ spending racks up Capital One miles at the same rates as the primary card, and their purchases will count toward the card’s minimum spending requirement to earn the introductory bonus. So, adding users to your account and having them spend (responsibly) on your behalf could help you snag those 75,000 bonus miles even faster.
How to add authorized users to your Venture X
Once you decide to add authorized users to your Venture X, head over to your Capital One account and look for the “I Want To” button on the right side of the screen. Then, click “Add Account User.”
You’ll then have to decide the level of access you want to provide to your authorized user. You have two options:
- Account manager
- Authorized user
Here’s a full chart of what primary cardholders, account managers and authorized users can access.
Once you review the options and make your selection, you’ll enter your authorized user’s first and last name, phone number, date of birth and Social Security number.
Read more: Everything you need to know about authorized users
Bottom line
There’s no question about it: Capital One Venture X Rewards Credit Card provides generous benefits to authorized users. The best part is that you can add four additional cardholders at no additional cost, making the Venture X affordable for larger families and groups. Next time you visit a Capital One, Priority Pass or Plaza Premium lounge, you’ll be able to bring in the whole squad thanks to these authorized user benefits.
Learn more: Capital One Venture X Rewards Credit Card
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply
For rates and fees of The Platinum Card from American Express, click here.
