15 Capital One Venture X Benefits (2024)

After reviewing the rewards structure of a credit card, especially one in the travel space, the “extras” merit serious consideration, too. Nearly all premium cards offer welcome bonuses, annual or recurring perks and category spending bonuses to incentivize using their product. Beyond those, some of the lesser-touted benefits on the Venture X, such as travel and purchase protection, price watching and lounge access make this card shine.

Primary Auto Rental Coverage

You never know when things will go wrong, but thankfully, the Venture X has you covered in multiple scenarios.

When you pay for the entire car rental with your Capital One Venture X Rewards Credit Card and waive any collision damage or loss damage coverage offered by the agency, paying with the card acts as primary rental insurance for up to $75,000¹. This can save you money on the total cost of your rental, as car rental companies often tack on an additional fee for more comprehensive coverage.

Elite Status With Hertz

All card members, including authorized users, can enroll in complimentary President’s Circle status with Hertz Rental Cars², which is its highest status and entitles you to perks like skipping the counter and heading straight to your car at select locations and a free automatic car class upgrade.

Trip Insurance and Protections

Another useful set of benefits with the Capital One Venture X Rewards Credit Card are the trip delay¹, cancellation and interruption¹ protections you receive. The trip delay benefits cover you for up to $500 for a flight delayed more than six hours if the tickets were purchased with the Venture X card and booked on a commercial flight. Although you’re only entitled to one claim per trip, each person in your party can file a claim.

The card also offers interruption and cancellation insurance, which is good for up to $2,000 for any trip canceled for a covered reason. Nonrefundable travel purchases made with the Venture X card, including tours, hotels and flights, are covered under this benefit.

Purchase Protections

In a world where swiping our cards has become second nature and purchasing things online is more common than ever, having a card with purchase protection can give you peace of mind. The Capital One Venture X Rewards Credit Card comes with three main purchase protection benefits: purchase security¹, extended warranty¹ and return protection¹.

Purchase Security

Purchase security protects your items in the event of theft or damage. These claims are generally quite involved and almost always require a police report or other official documentation. The benefit covers you up to a maximum of $10,000 per item and up to $50,000 per year. You only have to have paid for at least part of the item with your Venture X rather than needing to have paid for the entire purchase.

Extended Warranty Coverage

Extended warranty coverage offers a one-year extension for any products with a built-in warranty of three years or less. The benefit here is capped at $10,000 per claim and $50,000 per calendar year, up to the value to repair or replace the item.

Return Protection

Last, but not least, there is one coverage that is tough to find outside the premium travel credit card space: return protection. Any time you have an eligible item that you purchased using your Venture X and wish to return it within 90 days, but the merchant is unwilling to accept your return, you can apply for reimbursem*nt of the item via Capital One up to a maximum value of $300 per item up to $1,000 maximum per year.

Appealing Authorized User Access

This particular perk is worth mentioning for those looking to get their kids or other family members on a fast track toward good credit. Generally speaking, most banks require authorized users to be a certain age before officially adding them onto the account with a Social Security number. The Capital One Venture X card, however, allows you to add anyone as an authorized user at no additional fee. This is quite useful for parents who want to jumpstart their children’s credit profiles.

Expansive Lounge Access

Venture X card ownership unlocks access to three airport lounge groups. Cardholders can visit the issuer’s Capital One Lounges, though there are currently just three: Dallas-Fort Worth International Airport (DFW), Denver International Airport (DEN) and Washington, D.C.’s Dulles Airport (IAD).

Venture X cardholders can also request a complimentary Priority Pass Select card, which would entitle them access to the Priority Pass global lounge network. Cardholders also get access to Plaza Premium lounges worldwide. Unique among premium cards is that the lounge access benefit includes authorized users and includes entry for the cardholder plus two guests.

Cellphone Protection

Offering a cellphone protection benefit has become increasingly popular among credit card issuers. To take advantage of this benefit on the Venture X card, simply pay for your full cellphone plan each month with the card, and in turn, you’ll receive coverage for up to $800 per eligible claim, up to two claims per year, minus a $50 deductible per claim¹.