Why you should add authorized users on the Capital One Venture X

The Capital One Venture X Rewards Credit Card shook up the premium rewards bank card market when it launched in November 2021, giving legacy playing cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® a run for his or her cash.

Whereas the Enterprise X’s $395 annual payment remains to be one thing to contemplate, it is a lot decrease than what Capital One’s rivals cost. Not solely are the cardboard’s perks aggressive, however many even prolong to authorized users — and cardholders can add as much as 4 approved customers at no extra value.

Let’s assessment the complete suite of advantages that extra customers of the Enterprise X card will take pleasure in. Specifically, we’ll spotlight the rising variety of lounges you and your touring companions can all go to collectively with none extra out-of-pocket value.

Earlier than we dig in, let’s assessment the small print of the Venture X card.

Enterprise X cardholders obtain:

• Signal-up bonus: Earn 75,000 bonus Capital One miles after spending $4,000 on purchases within the first three months from account opening.
• Incomes charges: Earn 10 miles per greenback spent on accommodations and rental vehicles booked by Capital One Travel, 5 miles per greenback spent on flights and trip leases booked by Capital One Journey and a couple of miles per greenback spent on all different purchases.
• Annual credit score: Obtain a $300 credit score yearly while you e-book journey along with your Enterprise X by Capital One Journey.
• Anniversary bonus: Earn 10,000 bonus miles each account anniversary.
• Capital One Lounge entry: Get limitless entry to Capital One Lounges for you and two friends (every visitor after that may value $45).
• Precedence Cross membership: Get pleasure from entry to greater than 1,300 Priority Pass lounges worldwide for you and as much as two friends touring with you.
• Plaza Premium lounge entry (ending March 1, 2025)
• International Entry or TSA PreCheck reimbursement: Obtain as much as a $120 assertion credit score each 4 years for both trusted traveler program.
• No overseas transaction charges
• $395 annual payment

Associated: 6 things to do when you get the Capital One Venture X

Whereas the Enterprise X’s $395 annual payment could seem excessive on paper, one key profit is the power so as to add as much as 4 approved customers for no extra cost. That is big, contemplating the Amex Platinum Card prices $195 per approved person (see rates and fees), and the Chase Sapphire Reserve prices $75 per approved person.

This makes the Enterprise X a way more reasonably priced choice for {couples} and households, plus many perks prolong to approved customers as effectively.

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Airport lounge entry

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 3rd lounge at Denver International Airport (DEN) in addition to a singular “touchdown” idea in Washington, D.C.’s Ronald Reagan Washington National Airport (DCA). The facilities — like Peloton bikes and premium, regionally sourced eats — are excellent.

Further lounges are within the works at Harry Reid Worldwide Airport (LAS) and New York’s John F. Kennedy Worldwide Airport (JFK), whereas a further touchdown is deliberate to open in New York’s LaGuardia Airport (LGA). Nevertheless, there aren’t any set opening dates for these areas but.

Whereas there are solely three Capital One Lounges open for now, Enterprise X cardholders additionally get a complimentary Priority Pass lounge membership (with the power to herald as much as two friends touring with you) and access to over 100 Plaza Premium lounges (with the power to herald as much as two friends for no extra cost).

Nevertheless, what makes the Enterprise X’s lounge privileges much more compelling is that approved customers can take pleasure in the identical lounge entry privileges as the first cardholder. So, you may add 4 free approved customers to your card, and every can go to all the lounges named above whereas additionally bringing in friends.

If in case you have a big household, this profit could possibly be invaluable. Simply know that an grownup should accompany friends beneath 18 years outdated.

Associated: Big family? No problem! Get unlimited lounge guests with this credit card

To illustrate you opened the Venture X after which added 4 extra customers. You and every of your approved customers would every be capable to get into Capital One and collaborating Plaza Premium lounges together with two friends every. Add all of it collectively — 5 cardholders plus two friends apiece — and you might get 15 vacationers into the airport lounge altogether (a type of individuals being you).

And the visitor coverage for Enterprise X cardholders is even higher at Precedence Cross lounges: unlimited guests — not dangerous for a single bank card.

Simply observe that the precise process for accessing these lounges varies:

• Capital One Lounges: Present your Enterprise X card and eligible, same-day boarding go for entry.
• Precedence Cross lounges: Register to your complimentary Precedence Cross membership at this link utilizing your Enterprise X particulars. Then, current your Precedence Cross card and eligible, same-day boarding go for entry.

This is applicable to each the first cardholder and approved customers on the cardboard.

Complimentary Hertz President’s Circle elite standing

Hertz’s partnership with Capital One grants complimentary Hertz President’s Circle elite status to Enterprise X major cardholders and approved customers. This top-tier standing will get you a assured one-class automobile improve, 50% bonus factors on all leases, entry to a broader vary of vehicles and a devoted customer support line.

Eligible cardholders should enroll by the Capital One web site or cellular app. Cardholders can discover the hyperlink to register by visiting their eligible card’s “Rewards” tab or “Capital One Journey Advantages” tab and clicking on the Hertz profit tile. Main cardholders should enroll approved customers by this identical course of.

You can even stack this profit with the power to earn additional miles on rental automobile bookings made with Capital One Journey. You may get your Hertz perks and earn 10 miles per greenback spent on leases booked with Capital One Journey, which is not a stacking mixture obtainable with different playing cards, portals or rental companies. On this method, you are assured the very best of each worlds.

Buy and journey protections

The Capital One Venture X is a Visa Infinite card, so there are a number of vital journey and buy protections that each the first cardholder and approved person(s) can depend on:

• Trip cancellation and interruption insurance: As much as $2,000 per particular person for pay as you go, nonrefundable tickets for you and quick relations.
• Trip delay reimbursement: As much as $500 per particular person for affordable bills like resort rooms, meals, toiletries or garments when your flight is delayed in a single day or by six hours or extra.
• Lost luggage reimbursement: As much as $3,000 per lined journey if the airline damages or loses your baggage.
• Cellphone protection: As much as $800 in protection per declare with a most of two claims and $1,600 per 12-month interval. A $50 deductible applies per incidence.
• Primary rental car insurance: As much as $75,000 as a consequence of harm attributable to collision or theft to a rental automobile.
• Purchase, extended warranty and return protections: As much as $10,000 per declare and $50,000 per account on purchases; warranties prolonged by a further 12 months; return as much as $300 per merchandise and $1,000 per account.

How you can add approved customers to your Enterprise X

When you determine so as to add approved customers to your Enterprise X, head over to your Capital One account and search for the “I Need To” button on the proper aspect of the display screen. Then, click on “Add Account Person.”

You may then should determine the extent of entry you wish to present to your approved person. You’ve got two choices:

• Account supervisor
• Approved person

Here is a full chart of what major cardholders, account managers and approved customers can entry.

When you assessment the choices and make your choice, you will enter your approved person’s first and final identify, telephone quantity, date of start and Social Safety quantity.

Learn extra: Everything you need to know about authorized users

There is not any query about it: Capital One Venture X Rewards Credit Card offers beneficiant advantages to approved customers. One of the best half is which you could add 4 extra cardholders at no extra value, making the Enterprise X reasonably priced for bigger households and teams. Subsequent time you go to a Capital One, Precedence Cross or Plaza Premium lounge, you’ll usher in the entire squad thanks to those approved person advantages.

Be taught extra: Capital One Venture X Rewards Credit Card

For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and will range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

Upon enrollment, accessible by the Capital One web site or cellular app, eligible cardholders will stay at that standing stage by the period of the supply. Please observe, enrolling by the conventional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) won’t robotically detect a cardholder as being eligible for this system and cardholders won’t be robotically upgraded to the relevant standing tier. Further phrases apply

For charges and costs of The Platinum Card from American Categorical, click on here.