Capital One Venture X Rental Car Coverage Details

Capital One Venture X Rental Car Coverage Details

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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 learn about the new Capital One Venture X Rewards Credit Card, given that this marks Capital One’s entry into the premium credit card space. Lots of people are applying (and being approved) for the card, so there are lots of perks to learn about.

One benefit people look for with a premium credit card is good car rental protection, and that’s something that the Capital One Venture X offers. In this post I wanted to discuss the card’s car rental protection in greater detail. This nicely complements the card offering Hertz President’s Circle status, plus the card offering 10x Venture miles on car rentals booked through Capital One Travel.

What rental car coverage does the Capital One Venture X offer?

The Capital One Venture X offers primary auto rental collision damage waiver (CDW) coverage for car rentals, both in the United States and abroad. There are some basic terms to be aware of, as you’d expect:

  • This coverage reimburses you for damages caused by theft or collision, up to the actual cash value of rental vehicles with an original manufacturer’s warranty of up to $75,000 when new; furthermore, valid loss of use charges by the rental car company, as well as administrative fees and reasonable and customary towing charges, are covered
  • This coverage doesn’t apply for expensive, exotic, and antique cars, cargo vans, vehicles with an open cargo bed, trucks, motorcycles, mopeds, motorbikes, limousines, and recreational vehicles
  • This coverage doesn’t cover any other type of loss, like damage to another driver’s car, or injury of a person
  • To take advantage of this, review the auto rental agreement and decline the rental company’s collision damage waiver option, or a similar provision
  • Rental periods of up to 15 consecutive days are covered within your country of residence, or rentals of up to 31 consecutive days are covered outside of your country of residence; this benefit is in effect during the time that the rental car is in your control, and terminates when the rental company reassumes control of the vehicle
  • Coverage is not valid in Israel, Jamaica, and the Republic of Ireland or Northern Ireland
  • The coverage applies when you pay for your rental with the Capital One Venture X (either with cash or by redeeming Capital One miles); this applies to both primary cardmembers and authorized users, and coverage applies to you as the primary car renter, and any additional drivers permitted by the rental car agreement

You’ll want to consult the full Capital One Visa Infinite benefits guide for all the details, as they’re subject to change, and there are some further restrictions.

How do you file a rental car claim with the Capital One Venture X?

In the unfortunate event that you actually need to use the Capital One Venture X car rental coverage, how do you go about it?

  • If you have an accident or your vehicle is stolen, immediately call the Benefit Administrator at 1-800-825-4062 to report the incident (outside the United States you can call collect to 1-804-965-8071)
  • Report the theft or damage as soon as possible, but no later than 45 days form the date of the incident
  • You’ll then have to file a claim, and you’ll want to ask the rental car company for several documents, including a copy of the accident report form, a copy of the initial and final auto rental agreement, a copy of the repair estimate and itemized repair bill, two photographs of the damaged vehicle (if available), a police report (if obtainable), and a copy of the demand letter that indicates the cost you’re responsible for
  • You’ll then have to submit the above documents, plus some additional documents, within 90 days of the theft or damage date, even if other required documents aren’t yet available
  • Additional needed documents include a copy of your monthly billing statement (showing the last four digits of your account number) that show the transaction was made with your eligible account, and any other documentation required by the Benefit Administrator to substantiate the claim
  • Your claim will typically be finalized within 15 days of the Benefit Administrator receiving all the documents needed to substantiate your claim

How does this compare to car rental coverage offered by other cards?

For those wondering how the car rental coverage offered by the Capital One Venture X compares to the coverage offered by other premium cards, let’s compare the coverage to some popular competitors:

I think it’s also important to emphasize that even primary collision damage waiver (CDW) coverage doesn’t fully cover you — this isn’t a full insurance policy. It covers you for the damage to your car, but doesn’t cover damage to other cars, or bodily injury. People may be covered for that with their personal insurance, but for those without a personal insurance policy that covers rentals, you might want to pay for more premium protection, in the unlikely event that another car is damaged, or there are injuries.

Bottom line

The Capital One Venture X offers primary collision damage waiver (CDW) coverage both within the United States and in most countries abroad, for the primary cardmember and authorized users. This is an important perk for premium credit cards that I know many people value, so hopefully the above is a useful summary of how it works. Capital One’s car rental coverage policy is very competitive with what’s offered by other premium credit cards.

And of course this is only one of the many benefits of the card, as it also offers perks like a $300 annual travel credit, 10K bonus anniversary miles, access to Capital One Lounges, a Priority Pass membership, and awesome authorized user perks.

What do you make of the Capital One Venture X‘s rental car coverage policy?

Conversations (49)
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  1. Andrew Guest

    For the record, I found this article useful. I'm not applying because I still want to get under 5/24 / I'm in the Chase ecosystem, but it's good to know Amex and Chase have competition.

  2. Pam Guest

    Thank you - was very interested how this compared to the CSR since we recently filed a $1,600 claim with them that paid out in-full & quick. I’ve probably run about a hundred rental charges thru the CSR for this very protection (finally needed it!) & also one of the main reasons we’ve held on to the card.

    Good to know the C1VX compares favorably in deciding whether to keep or downgrade our CSR now that we’re approved for this one.

  3. NYGuy24 New Member

    Pretty annoyed by how the travel credit works. Only good for things booked via their portal. Ironically they give you Hertz status but they won't give me an option to book a hertz car via their portal. In fact in some of the areas I needed a rental car they didn't have any places where I could book even though Hertz has a shop there. Rental cars was one of the few things I would...

    Pretty annoyed by how the travel credit works. Only good for things booked via their portal. Ironically they give you Hertz status but they won't give me an option to book a hertz car via their portal. In fact in some of the areas I needed a rental car they didn't have any places where I could book even though Hertz has a shop there. Rental cars was one of the few things I would have used the travel portal for. The hotel selection wasn't super impressive either. No hyatt option. Maybe I can use this card on cash fares for short flights where miles don't make sense.

  4. Stephen Guest

    Sell out.

    The end.

  5. Keyser Soze Guest

    Just an FYI on a “Primary CDW” alternative for those who may be unaware of it: “American Express Premium Rental Protection”. This (obviously) works only when you rent a car with an Amex card, but it can be any flavor (blue, green, gold, platinum.) The two key differentiators with Amex PRP are that it costs nothing (zero) unless and until you rent a car. Then, it is charged ($25-$30, depending on your billing address State)...

    Just an FYI on a “Primary CDW” alternative for those who may be unaware of it: “American Express Premium Rental Protection”. This (obviously) works only when you rent a car with an Amex card, but it can be any flavor (blue, green, gold, platinum.) The two key differentiators with Amex PRP are that it costs nothing (zero) unless and until you rent a car. Then, it is charged ($25-$30, depending on your billing address State) once per *rental*, NOT once per *day*. All you have to do is call Amex customer service at the number on the back of your card and enroll that card for the PRP program once. From then on, whenever you rent a car, you’ll see the PRP charge post to your card two days after the rental company charge posts. It is “Primary” coverage and if you have any “issues”/arguments with the car rental agency, you have the “firepower” of Amex customer service behind you. I’ve actually used it in a minor (fender scrape) claim case. Amex CS made Enterprise remove “Loss Of use” charges (while being repaired) when they could not document the car’s utilization. They then paid the claim in its entirety and my (personal) auto insurance was never involved. So, I have no problem paying $30 per rental for PRP because it actually *works*.

    1. Lora Guest

      The new pop-up advertising is super annoying. If it does not go away soon I will not be back and will not getting any new cards via his links.

    2. Andrew Guest

      I am curious how this is actually charged. I rent cars about once per week but it only comes to $12-15.

  6. Tri N Guest

    I wonder how bad TPG's website is this week w the CapOne media blitz? I cant bring myself to look and give the site the page views.

    1. Andrew Guest

      Oh god, I just looked. First time in years - since they turned off comments, I stopped visiting the site. It's frothy over there.

  7. Matt Guest

    Has Capital One purchased OOMAT?

  8. bryan Guest

    So with this giving President Circle at Hertz, and Hertz going to focus on renting out Tesla's - is it known yet if they will be covered under the protection?

    1. Ben Schlappig OMAAT

      @ bryan -- Tesla Model 3s have MSRPs of under $75K, so they absolutely should be covered.

    2. bryan Guest

      Thanks Ben, I know the MSRP was under that limit but wasn't sure if they were considered "exotic"

  9. Justin Guest

    Did this website get bought out by Captial One or something ? Im super confused...i use to enjoy reading this blog. oh well..

    1. Ben Schlappig OMAAT

      @ Justin -- Absolutely not. Just an exciting card launch, and doing what I can to clarify any confusion there may be about the card. Content will be fully back to normal shortly...

  10. magice Gold

    Does this card offer any coverage for p2p rental services (like Turo)? I guess no, right?

    1. Ben Schlappig OMAAT

      @ magice -- Unfortunately not, that seems to be excluded with just about all major credit card coverage plans.

  11. Sam Guest

    I was approved. Can't wait for the new card!!

    1. Ben Schlappig OMAAT

      @ Sam -- Awesome, congrats!

  12. GBOAC Platinum

    Comments indicate a growing displeasure with the increasing number of Capital One posts. I concur but what really is annoying me is the small video screen that appears at the bottom right of the page -- it's incredibly distracting and having to manually close the window is most annoying.

    Ben please get rid of this before you lose me (and possibly others) as a reader.

  13. Jawn Guest

    Just wondering if Capital One is going to be releasing a new card? Has anyone heard anything? :-/

    1. Eskimo Guest

      Everything very quiet here.

      Maybe try go to chase.com they might say something about Capital One cards. :-/

    2. Andrew Guest

      Did you know? Chase offers 2X miles for some categories on a card that costs $99 / year. Hot damn!

  14. James Guest

    Wow. The background of the site is now all filled with Cap One logos.

    Wonder how much Cap One paid them for that.

  15. Endre Guest

    As predicted, like with the Brex card, you are posting way too much and it is really annoying. I get it, it’s your page, they pay you to post stuff, but don’t you think this is just too much of Capital One Infoxication?

    1. Jesse Gold

      Agreed. I'm a long-time reader of the blog, but this is getting ridiculous.

    2. Steve Gold

      Then dont read it, dont click the link and dont click the link to comment and then comment on the post you think is ridiculous.

      Whats so wrong about getting some Cap One advertisement money this week? No one was complaining about the lack of ads last week during the big Paris reviews, everyone does realize we dont get the amazing reviews that long-time readers want without having the occasional ad-spree posts for the...

      Then dont read it, dont click the link and dont click the link to comment and then comment on the post you think is ridiculous.

      Whats so wrong about getting some Cap One advertisement money this week? No one was complaining about the lack of ads last week during the big Paris reviews, everyone does realize we dont get the amazing reviews that long-time readers want without having the occasional ad-spree posts for the new readers and people who stumble upon the blog from other sites.

    3. magice Gold

      Why, why, why the unpleasantry?

      First, I find these posts useful. It's nice to have the comparison between Capital One and Chase (and Amex, which isn't there) policies. It's nice to know the limitation of the policies. If you think you are experts, feel free to skip. Why click open, then complain?

      Second, I understand that it's a bit easier on *some* people if all of these are written within a single post, but that's...

      Why, why, why the unpleasantry?

      First, I find these posts useful. It's nice to have the comparison between Capital One and Chase (and Amex, which isn't there) policies. It's nice to know the limitation of the policies. If you think you are experts, feel free to skip. Why click open, then complain?

      Second, I understand that it's a bit easier on *some* people if all of these are written within a single post, but that's not for all. I personally prefer multiple articles (so it's a bit easier to re-open later; plus less reading). I can see how writing multiple small posts are easier than writing 1 big massive post. So it's essentially up to the author to choose the formats. If you don't like it, welllllll, you *can* copy-n-paste all these to 1 document ("All about CapOne New Card") for your personal use.

      Finally, it might be a bit annoying that Lucky goes ga-ga over this for a while. But hey, everyone has their own vice. Maybe you should skip this blog for a few days till he calms down? I mean, I also go ga-ga whenever my favorite topics have new entries. You should turn me out for a few days. Just, you know, human.

      The question is: why waste your time going to a post (in fact, multiple posts, I guess), then waste even more time going to the comment section and complaining? I spend this time because I feel good defending one of my fav travel blog. What's in it for you? Plus, as noted, I find this information extremely useful. Maybe you should go off grid for a few days till the travel-niche-of-the-web calm down over CapOne new card? That would be win win!

  16. Another Lump Guest

    5 of the last 7 posts are about the Venture X. Overkill! No I'm not going to take 3 HP to have C1 turn around and shut down my account anyway.

    1. Ben Schlappig OMAAT

      @ Another Lump -- I'm confused, why would Capital One shut you down? And unless your credit score is right at the cusp of being good/excellent, I'm not sure what the concern is about credit being pulled with all three bureaus? What's the concern there, exactly?

    2. Kacee Guest

      There are lots of reports of Cap One (1) doing multiple pulls, and (ii) being very strict with approvals, even for 800+ credit scores, so I think the concern is legit (and something you might make readers aware of if you are interested in providing an objective perspective).

      The big issue with this card is many of the benes require booking through Cap One's proprietary travel portal. The other issue I have in general is...

      There are lots of reports of Cap One (1) doing multiple pulls, and (ii) being very strict with approvals, even for 800+ credit scores, so I think the concern is legit (and something you might make readers aware of if you are interested in providing an objective perspective).

      The big issue with this card is many of the benes require booking through Cap One's proprietary travel portal. The other issue I have in general is it's becoming increasingly difficult to redeem for premium cabins on virtually all carriers, so the points transfers are of rapidly decreasing value.

      I certainly wouldn't call this card "awesome" though it may make sense for some people.

    3. khatl Guest

      I don't understand.
      Worst case, if you fly anywhere, then the C1 Ven X pays for itself with a $400 annual credit (assuming you cash out the renewal bonus) vs the annual fee of $395

      So you've got basically a card that costs you $0 with benefits that include

      1 Lounge access in most airports around the world
      2 $200 off next airbnb/vrbo etc (I know it's not annual)
      3 100,000 points which is $1,000 if cashed out
      4 All the visa infinite benefits

      How's that not lucrative

    4. khatl Guest

      Oh... and 2x points (2% cash back worst case) on everything you buy

    5. trev Guest

      and plenty of other cards have "benes require booking through (credit card issuer's) proprietary travel portal"

      In those cases he always says something along the lines of "though this is of limited value to me as I would rather book direct to receive elite benefits" or something.

      Note how when he says the latter, the website isn't decked out in said bank's logo.

    6. Ben Schlappig OMAAT

      @ trev -- That's also exactly what I said about this card:
      https://onemileatatime.com/guides/capital-one-venture-x-travel-credit/

      In this case the extent of having to use the portal is booking a single $300 flight per year, and to me that's hardly a huge hurdle.

    7. Another Lump Guest

      Greg @ FM got shut down for mysterious reasons and no MS, shortly after opening a C1 card. Points liquidated at a very weak value, so at least they weren't stolen from him like AA did to me.
      Many other DPs about C1 shutdowns.

      The concern with 3 HP is that it will slow down your new card signup velocity. Banks don't want to see that. Most points/miles afficionados are at risk of getting...

      Greg @ FM got shut down for mysterious reasons and no MS, shortly after opening a C1 card. Points liquidated at a very weak value, so at least they weren't stolen from him like AA did to me.
      Many other DPs about C1 shutdowns.

      The concern with 3 HP is that it will slow down your new card signup velocity. Banks don't want to see that. Most points/miles afficionados are at risk of getting denied for this card, so getting denied plus 3 HP is salt on the wound.

      It's a good card for those walking the fine line betweem appearing to be in C1 demographic(not strong credit, carries balances) yet still points savvy, but for me not worth the risk.

    8. Eskimo Guest

      @Another Lump
      Every bank has DP of unreasonable shut down. If you're rationally afraid, you shouldn't trust any banks. You should use only cash and bury money underground.

      If you're getting 10 cards every month, maybe 3 HP would affect you. Maybe you trying to game the new card bonus is the reason they are denying you, the # of HP is the tell.

      I wouldn't quickly assume the C1 demographic for this card....

      @Another Lump
      Every bank has DP of unreasonable shut down. If you're rationally afraid, you shouldn't trust any banks. You should use only cash and bury money underground.

      If you're getting 10 cards every month, maybe 3 HP would affect you. Maybe you trying to game the new card bonus is the reason they are denying you, the # of HP is the tell.

      I wouldn't quickly assume the C1 demographic for this card. But people with strong credit also get denied for many other cards too. I've heard of no such card that automatically approves if your score is 800+.

      All these concerns are legit, but to any banks not just Capital One.

    9. Another Lump Guest

      @Eskimo

      It's not one DP, C1 reputation is very well known, but you seem to know better than everyone else, so enjoy your 3 HP and your likely denial.

  17. Charles Guest

    Peddling this card so hard and claiming it's because "it's so lucrative" is dishonest, and we all know it. An average person may find a minor upside to having and paying for this card. It pales in comparison to how lucrative this card is to you personally.

    It's not even the number of posts...I understand people will Google "Venture X car rental protection" and it's nice to have a timely post that covers that. It's...

    Peddling this card so hard and claiming it's because "it's so lucrative" is dishonest, and we all know it. An average person may find a minor upside to having and paying for this card. It pales in comparison to how lucrative this card is to you personally.

    It's not even the number of posts...I understand people will Google "Venture X car rental protection" and it's nice to have a timely post that covers that. It's the dishonesty that "so many people are asking questions" and "this card is so lucrative" that is so unpalatable (not even gonna cover the absolute ridiculous background ad...likely the second ugliest thing I've seen on the internet in a while...somehow Gary's looks even worse).

    As a capitalist, though, I understand it works well for the bottom line (no pun intended), and can't blame you!

    1. Ben Schlappig OMAAT

      @ Charles -- It sounds like you've made up your opinion about my intentions, though let me clarify a few points (and whether or not you choose to believe me is up to you):
      -- I do view this card as being truly lucrative, as lucrative as any card we've seen since the introduction of the Sapphire Reserve; that's not to say it's a perfect fit for everyone, but I stand by that belief

      @ Charles -- It sounds like you've made up your opinion about my intentions, though let me clarify a few points (and whether or not you choose to believe me is up to you):
      -- I do view this card as being truly lucrative, as lucrative as any card we've seen since the introduction of the Sapphire Reserve; that's not to say it's a perfect fit for everyone, but I stand by that belief
      -- People *are* asking a lot of questions about the card; just check out the comments sections of previous posts about the card and you'll see that, and that doesn't even factor in the questions I've been messaged privately (why would there not be questions when a new card is launched?)
      -- Of course I'm also in the business of running a blog that's largely about credit cards, and I get a commission when people apply (as I do for most types of credit cards applied for through the blog); as you acknowledge, this content is useful to those searching these topics (including many readers), so there's no reason that can't be a win-win, especially with the lack of other detailed info out there as of now

      It's a slow news week otherwise in the travel space, so I figure it's a good time to get into the nitty-gritty of the Venture X. I'm sorry if others feel differently, and I recognize this won't be of interest to everyone. But that's the case with all of my content.

    2. Charles Guest

      I don't really deny that people are asking questions. But your response of "look at the comments" seems deaf. How about you look at the comments on this post to also see what people are saying. You can't have it both ways and claim the high number of posts/peddling/ads is because your concerned with what folks are saying/asking questions. It's because it's good business for you. Which again, I totally support. Own it.

    3. Eskimo Guest

      @Charles, if you are really a capitalist as you claimed. You failed big time.

      You failed to notice the signs that point out the opposite of what you are suggesting. Don't just take this site as one data point, take all the major sites, even those who didn't receive sponsorships. Look at the comments generated all over the internet. Or maybe the internet is dishonest?

      You failed to understand, as a capitalist, it's the...

      @Charles, if you are really a capitalist as you claimed. You failed big time.

      You failed to notice the signs that point out the opposite of what you are suggesting. Don't just take this site as one data point, take all the major sites, even those who didn't receive sponsorships. Look at the comments generated all over the internet. Or maybe the internet is dishonest?

      You failed to understand, as a capitalist, it's the capital (money) that matters not the upside of a product. As long as people will pay for it, who cares about the benefit.
      An average person may find a minor upside to having and paying for Apple products. Yet go ask any average person how many Apple products they own.

      And please share your wisdom that which card is really "lucrative"? The no annual fee 1% cash back card, or the 0% APR balance transfer card in your wallet.

      You're better off as a socialist not a capitalist. Go protect the interest of the average person and fight against the greedy bottom line people.

  18. Pete Gold

    Like others. I was inexplicably denied for the card. I’ll avoid this site for the next week since you have nothing except capital one articles.

    1. Ben Schlappig OMAAT

      @ Pete -- No need to avoid it for the next week, I promise there will be lots of other content in the coming days as well. This card launched just two days ago, so I'm definitely front-loading content here, as people try to decide whether or not this card makes sense for them.

  19. Kacee Guest

    I'm not sure what happened. I was looking for a travel blog, but seem to have been redirected to the Cap One marketing center instead. Do they have a new credit card or something?

    1. Ben Schlappig OMAAT

      @ Kacee -- Hah, they do indeed. If there's any important news story in aviation I missed today (excluding clickbait stories about people being kicked off planes for some reason), please do let me know. In the meantime, I think covering the ins-and-outs of this awesome new credit card, as this is what readers are asking about more than anything else at the moment.

    2. Jeff Guest

      I am one who is trying to decide whether to get this (or the new SW bonus) so I appreciate the info. Haven't had a CapOne card in years so I want to know about things like rental coverage and authorized user benefits.

    3. JeffP Guest

      How about another CapOne post on transferring Cash back to miles with other CapOne cards…I am looking at a two card combo with the Savor card for P2 wife who was just approved for VentureX. I like the idea of accumulating miles/points for AirBnB credits with devaluation hotel programs.

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.

Endre Guest

As predicted, like with the Brex card, you are posting way too much and it is really annoying. I get it, it’s your page, they pay you to post stuff, but don’t you think this is just too much of Capital One Infoxication?

3
Steve Gold

Then dont read it, dont click the link and dont click the link to comment and then comment on the post you think is ridiculous. Whats so wrong about getting some Cap One advertisement money this week? No one was complaining about the lack of ads last week during the big Paris reviews, everyone does realize we dont get the amazing reviews that long-time readers want without having the occasional ad-spree posts for the new readers and people who stumble upon the blog from other sites.

2
Pete Gold

Like others. I was inexplicably denied for the card. I’ll avoid this site for the next week since you have nothing except capital one articles.

2
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