The Amazing Capital One Venture X Authorized User Benefits

The Amazing Capital One Venture X Authorized User Benefits

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Link: Apply now for the Capital One Venture X Rewards Credit Card (this is the best publicly available offer for the card, and we appreciate your support if you use our link)

There’s a lot to love about the new Capital One Venture X Rewards Credit Card. Capital One’s new premium credit card has a huge welcome bonus of 100,000 Venture miles, and offers perks like a $300 annual travel credit, 10,000 anniversary bonus miles, a Priority Pass membership, access to Capital One Lounges, Hertz President’s Circle elite status, primary rental car coverage, cell phone protection, and more. I’ve already applied for this card, and was instantly approved.

Arguably the single most impressive aspect of this card is how lucrative it is for authorized users. I’ve never seen a premium credit card that has such valuable and widely useful perks for authorized users, so let me explain in this post why this so special.

How much does it cost to add Capital One Venture X authorized users?

Capital One Venture X cardmembers can add up to four authorized users to the card at no extra cost. That’s right, you can add four friends or family members to your account, and it won’t cost you anything beyond the standard $395 annual fee for the primary cardmember.

You’re probably thinking “well if it’s not costing anything, then authorized users probably aren’t getting many benefits?” Wrong. And that’s one of the things that makes this card so awesome.

Add up to four Venture X authorized users at no cost

What benefits do Capital One Venture X authorized users receive?

The up to four complimentary authorized users on the Capital One Venture X receive several perks, including:

Receive airport restaurant credits with a Priority Pass membership

This is huge, as there’s not a single credit card out there (that I know of) that’s open to new applicants and that lets you add authorized users for free and give them a Priority Pass membership.

In addition to those two primary perks, Capital One Venture X authorized users also receive:

  • Hertz President’s Circle status, offering car upgrades and much more
  • The same 2-10x miles per dollar spent on the Capital One Venture X as the primary cardmember; of course the primary cardmember is responsible for paying the bill, but this can be useful for maximizing rewards for family members as well
  • The same purchase protection offered on account of the Capital One Venture X being a Visa Infinite Card
Earn up to 10x Venture miles for flight purchases

What benefits don’t Capital One Venture X authorized users receive?

What perks don’t Capital One Venture X authorized users receive?

  • There’s no additional $300 travel credit for authorized users, though spending on an authorized user’s card could count towards the credit
  • There’s no additional TSA Pre-Check or Global Entry credit for authorized users, though a fee charged to an authorized user’s card could be reimbursed
  • There are no additional 10,000 anniversary bonus miles for authorized users
Authorized users don’t receive an additional annual travel credit

How do you add Capital One Venture X authorized users?

The process of adding Capital One Venture X authorized users to your card is easy. The first option is to add authorized users during the application process. Towards the end of the application you’ll be asked if you want to add additional cardmembers.

If you need a bit more time to think about who you want to add, you can instead add authorized users after you’ve opened your account (this is what I do, because when I’m applying for an account I’m focused on getting approved). Just log into your account, and on the account management page, click on the “I Want To…” button towards the top right of the page.

A window will pop up, and there you’ll want to select the “Add Account User” option, under the “Control Your Card” section.

You can then select the “Access Level” for the user you’re adding:

  • You can designate someone as an “Account Manager,” in which case they will receive their own online log-in and can help you manage the account
  • You can designate someone as an “Authorized User,” in which case they’d only get their own card, but wouldn’t get an online log-in, so couldn’t in any way manage the account

Regardless of which option you choose, you’ll be on the hook for all the charges of your authorized users.

Once you select the type of authorized user you want to add, you’ll just have to share some basic details about them, including their first and last name, phone number, date of birth, and social security number. Adding a social security number is optional if you’re only adding someone as an authorized user rather than as an account manager.

A couple of further things to note about adding authorized users:

  • If an authorized user wants to pick up the Capital One Venture X as a primary cardmember in the future, they’d still be eligible, including for the welcome bonus
  • If authorized users are concerned about their Chase 5/24 status, note that them receiving a card as an authorized user could count as a further credit card towards their 5/24 limit

Does it make sense to add Capital One Venture X authorized users?

The obvious answer is that of course it makes sense to add authorized users to the Capital One Venture X. At no additional cost, you can add four authorized users, and they’ll suddenly get airport lounge access.

I’m sure everyone has friends and family who will be delighted to be gifted unlimited airport lounge access. This perk is even more awesome for those based at DFW, DEN, and IAD, all of which should have Capital One Lounges by 2022.

I can’t understate how generous it is that Capital One lets you add authorized users to the card at no cost. Just to compare this to some other premium cards offering Priority Pass memberships to authorized users:

To be able to get those perks for authorized users without paying extra is simply awesome.

Give friends and family members the gift of lounge access

Why you might not want to add Capital One Venture X authorized users…

You probably should add authorized users to the Capital One Venture X, as it costs nothing. But just to play devil’s advocate, let me give an example of why that might not always be the best option, at least for those of us who love maximizing value.

I could add Ford as an authorized user on my card, but instead, he applied for his own card. Why? The way I view it, Venture X is better than breakeven, even just for the primary cardmember. In the long run, Venture X has a $395 annual fee, but the card offers:

  • A $300 annual travel credit through Capital One Travel
  • 10,000 anniversary bonus miles; I value Capital One miles at 1.7 cents each, so to me that’s worth $170

Not even factoring in everything else, the card gets me roughly $470 worth of value every year with a $395 annual fee. For those who are engaged in miles & points and value things the way I do, I think there’s value in having people outright get their own card, rather than being added as an authorized user.

So this is a product where I think it can make sense for a couple to each pick up their own card as a primary card member, and then you can gift lounge access to a bunch of family members and friends. At least that’s my plan.

The Venture X offers 10K anniversary bonus miles

Bottom line

The Capital One Venture X has just opened to applicants, and there’s so much to love about this card. One of the best things about this card is that you can add up to four authorized users at no extra cost.

What makes this so awesome is that authorized users get many of the same perks as the primary cardmember, including a Priority Pass membership, access to Capital One Lounges, a great rewards structure, and top-notch purchase protection.

If you’re picking up the Capital One Venture X, do you plan on adding authorized users?

The following links will direct you to the rates and fees for mentioned American Express Cards. These include: The Platinum Card® from American Express (Rates & Fees).

Conversations (30)
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  1. Aaron Guest

    Sounds like a great card, but just got denied despite an excellent credit score.

    This is the only reason I got: “Based on your credit report from one or more of the agencies on the back of this letter, there are too many revolving accounts”

    Does anyone know what that really means? I am less than 5/24 at this point (I have some cards accumulated but definitely less than many others who got approved)

    ...

    Sounds like a great card, but just got denied despite an excellent credit score.

    This is the only reason I got: “Based on your credit report from one or more of the agencies on the back of this letter, there are too many revolving accounts”

    Does anyone know what that really means? I am less than 5/24 at this point (I have some cards accumulated but definitely less than many others who got approved)

    Any insight will be help me decide whether my wife should apply.

    Thanks!

  2. Fatima Guest

    This is my first Premium travel card. I looked at CSR and Amex Platinum before deciding that the Vx provided the best value for me. I’m so excited!

  3. Fatima Guest

    Thanks for this post. Do you know if the auth user will get Hertz President’s Circle tier status as well or will it be just the primary cardholder? How does getting the PC status work at hertz? More info on this topic would be appreciated.

    1. Ben Schlappig OMAAT

      @ Fatima -- Yep, even authorized users get it. You can learn more about that in this post:
      https://onemileatatime.com/guides/capital-one-venture-x-hertz/

  4. Arun Guest

    Will the authorized user spending apply towards the 10k spending requirement for the 100k bonus miles?

    1. Ben Schlappig OMAAT

      @ Arun -- It sure will!

  5. AA Flyer Guest

    I wonder if Capitol One allows gift cards to count towards the spend requirements?

  6. DenB Platinum

    @Ben, please confirm the Hertz Status Benefit. Everyone but you is saying Five Star status, but in this piece you've said authorized users get the top tier "Presidents Circle". If that's accurate, it's a game-changer. Please confirm.

    1. Ben Schlappig OMAAT

      @ DenB -- The card does offer Hertz President's Circle status, it's stated right on the application. Yep, I'd say that's pretty exciting.

  7. James Guest

    Thanks for the insight on the card Ben! I've been wrestling with whether to downgrade my Sapphire Reserve and get this card. For our travel patterns, we make use of the annual travel credit and Priority Pass access with restaurant benefit (and to a lesser extent the Lyft benefit). I've been hesitant to get the Amex Platinum because where we live, the restaurant benefit is something we can take advantage of and they don't offer...

    Thanks for the insight on the card Ben! I've been wrestling with whether to downgrade my Sapphire Reserve and get this card. For our travel patterns, we make use of the annual travel credit and Priority Pass access with restaurant benefit (and to a lesser extent the Lyft benefit). I've been hesitant to get the Amex Platinum because where we live, the restaurant benefit is something we can take advantage of and they don't offer it (though other lounge access).

    Anyways, wondering if at some point you could do a post discussing the overlap of the Sapphire Reserve and the Venture X? Also wondering if Chase is going to be willing to offer any retention bonuses or partial waiver of the annual fee? My fee just came up and I may give them a call to see. For the most useful benefits (for us) I can pay $150 less to access them and get others PP access too.

    1. Ben Schlappig OMAAT

      @ James -- Great idea for a future post, thanks! How many authorized users are you adding? Personally I think there's a good case to be made for getting the Sapphire Preferred (via downgrade) and then the Venture X. If you value the rewards of the Venture X similar to how I do, that seems like a great, low cost solution. If you want to add authorized users it's even more lucrative, since you could...

      @ James -- Great idea for a future post, thanks! How many authorized users are you adding? Personally I think there's a good case to be made for getting the Sapphire Preferred (via downgrade) and then the Venture X. If you value the rewards of the Venture X similar to how I do, that seems like a great, low cost solution. If you want to add authorized users it's even more lucrative, since you could get Priority Pass memberships for up to four additional people at no cost (which isn't possible with the Sapphire Reserve).

    2. James Guest

      Thanks Ben! Just read the comparison with CSR article. Was great. I’m looking to max the authorized users out as a gift for those to use the PP benefits. We’re Seattle/Portland based so good restaurant PP options.

      Thinking I may call and see if I have any offers on my CSR and if I can get the annual fee down close to the VX I may keep both for the year and then downgrade. If not I’ll downgrade the the CSP. Appreciate all you do with your writing! Love the site.

  8. Englishder Guest

    Ben: I just applied for the Venture X card and was, like you and others, instantly approved. Can you or another reader tell me if the charges made by an authorized user count towards the spend to be awarded the 100,000 mile bonus?

    1. Ben Schlappig OMAAT

      @ Englishder -- Congrats on getting approved! Yes, spending by the authorized user would count towards the spending requirement to earn the 100,000 bonus miles.

  9. KK Guest

    how much for adding 5th authorized user? couldn't find the info anywhere, thanks

  10. Alex Guest

    So if my wife adds me as an authorized user without my SSN (basically the limited access version you showed), there is no way this card can show up on my credit report and affect my Chase 5/24 status correct?

    If I'm added as a "limited user", do I still get to utilize all the authorized user benefits (i.e. Priority Pass and Cap1 Lounge access, purchase protection, Hertz status, etc)?

    1. Ben Schlappig OMAAT

      @ Alex -- Authorized users do get all the perks even if they're not an account manager.

      As far as the first question goes, you'd think that being added as an authorized user wouldn't show up on your credit report if you don't provide your SSN. Yet so many reports I've seen suggest that it somehow still shows up -- I guess they match it based on an address or something else. So I can't...

      @ Alex -- Authorized users do get all the perks even if they're not an account manager.

      As far as the first question goes, you'd think that being added as an authorized user wouldn't show up on your credit report if you don't provide your SSN. Yet so many reports I've seen suggest that it somehow still shows up -- I guess they match it based on an address or something else. So I can't make any guarantees one way or another, but it seems like there is a way for this to still show up on your credit report.

  11. Sel, D. Guest

    Once they’ve grabbed enough customers from Amex/Chase/Citi, all aboard the devaluation train choo choo. I’m sure the master plan already has this laid out.

    This isn’t sustainable. Lounges will be packed. Maximizes (losers) double dipping with their AU’s at the PP restaurants is going to end this for everyone. “If we leave and go back in, we’ll get another $56!!!!…..”

    Prediction for two years from now:
    PP for AU gone or AU $100/ea
    ...

    Once they’ve grabbed enough customers from Amex/Chase/Citi, all aboard the devaluation train choo choo. I’m sure the master plan already has this laid out.

    This isn’t sustainable. Lounges will be packed. Maximizes (losers) double dipping with their AU’s at the PP restaurants is going to end this for everyone. “If we leave and go back in, we’ll get another $56!!!!…..”

    Prediction for two years from now:
    PP for AU gone or AU $100/ea
    AF $500 with some new $10/mo credit
    Only one guest for lounge.
    I’ll still have the card :)

  12. Hal Guest

    Do you need to show a boarding pass to enter the Cap One lounge?
    For example, can I go in if I land at DFW?

    1. Ben Schlappig OMAAT

      @ Hal -- I followed up with Capital One on this. The card can only be used within three hours of a departing flight, so the restrictions are similar to Amex.

  13. Tom Guest

    @Ben Thank you for the updates! I was grateful to be approved, yesterday. The only benefit that Venture X doesn't seem to have, that I want, is the trip evacuation insurance that both Amex Platinum and Chase Sapphire Reserve offer. Do you have a list of which cards offer that benefit?

    1. Ben Schlappig OMAAT

      @ Tom -- Congrats on being approved, and thanks for the kind words. Great question about trip evacuation insurance. Let me do some research, and hopefully I can write a post on it.

  14. sxc7885 New Member

    I’m still torn on who this card is exactly geared towards. Average user will balk at a nearly 400 dollar AF while heavy travel card users already probably have something like an Amex Platinum card that provides a lot more benefits.

    I think the only thing that I envy with this card since it looked really cool was the the unlimited Capital One Lounge access since my Spark Business Miles card only gets 2...

    I’m still torn on who this card is exactly geared towards. Average user will balk at a nearly 400 dollar AF while heavy travel card users already probably have something like an Amex Platinum card that provides a lot more benefits.

    I think the only thing that I envy with this card since it looked really cool was the the unlimited Capital One Lounge access since my Spark Business Miles card only gets 2 free visits which I find strange that there’s no business card with unlimited entry. Though in fairness I dont fly much through DFW and figure that the times I do the 2 visits will cover it or ill be in one of the lounges I can get in with my Amex platinum card.

    1. Ben Schlappig OMAAT

      @ sxc7885 -- It's a fair point, I think with every card there are questions about what exactly the target market is. I think the same question could be asked about the Amex Platinum, which has a nearly $700 annual fee, but essentially gives you endless coupons.

      Personally I think the Venture X is intended to compete with other premium cards, but it's supposed to be even more approachable. It's really easy to maximize value...

      @ sxc7885 -- It's a fair point, I think with every card there are questions about what exactly the target market is. I think the same question could be asked about the Amex Platinum, which has a nearly $700 annual fee, but essentially gives you endless coupons.

      Personally I think the Venture X is intended to compete with other premium cards, but it's supposed to be even more approachable. It's really easy to maximize value on this card and justify the annual fee, in my opinion, to an extent we haven't seen with the Amex Platinum or Chase Sapphire Reserve.

  15. Lech Guest

    Does adding an authorized user prevent them from getting the SUB on this card later in the future? And does it count against their 5/24 rule?

    1. Ben Schlappig OMAAT

      @ Lech -- Both great questions, and I'll update the post to reflect that. Nope, it doesn't prevent them from getting the card (including the bonus) themselves, but it does count as a further card towards the 5/24 limit (assuming their social security number is linked).

  16. Endre Guest

    Will there be as many posts this time as there were last year for the Brex card you heavily promoted?

    1. Ben Schlappig OMAAT

      @ Endre -- For the coming days, in all honesty, probably. This is an incredibly lucrative new card, and there's a lot to learn about it (and based on the number of questions I'm getting, there's lots of interest).

      I totally get it won't interest everyone, so you're free to skip the posts. The titles will hopefully make it obvious what the post is about -- there will be no clickbait.

    2. John Fox Guest

      I love the fact that your titles are descriptive. There was a travel blog that I followed for years but their titles got less and less descriptive and I finally unsubscribed. Keep up the good work!!

      Also love the coverage on the Venture X. As long as it's not overly repetitive, the more info the better.

Featured Comments Most helpful comments ( as chosen by the OMAAT community ).

The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Ben Schlappig OMAAT

@ Endre -- For the coming days, in all honesty, probably. This is an incredibly lucrative new card, and there's a lot to learn about it (and based on the number of questions I'm getting, there's lots of interest). I totally get it won't interest everyone, so you're free to skip the posts. The titles will hopefully make it obvious what the post is about -- there will be no clickbait.

1
Aaron Guest

Sounds like a great card, but just got denied despite an excellent credit score. This is the only reason I got: “Based on your credit report from one or more of the agencies on the back of this letter, there are too many revolving accounts” Does anyone know what that really means? I am less than 5/24 at this point (I have some cards accumulated but definitely less than many others who got approved) Any insight will be help me decide whether my wife should apply. Thanks!

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Ben Schlappig OMAAT

@ Fatima -- Yep, even authorized users get it. You can learn more about that in this post: https://onemileatatime.com/guides/capital-one-venture-x-hertz/

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