Adding authorized users to a credit card offers a variety of benefits: Cardholders can easily share their cards with family and loved ones, helping them boost their credit scores. Plus, it helps establish a credit history for authorized users, ensuring everyone’s spending counts towards rewards.
The Capital One Venture X Rewards Credit Card offers a host of perks to authorized users, making it an attractive choice as a card for multiple users. Additionally, the card allows you to add up to four additional authorized users at no extra cost.
Read on to learn more about Capital One Venture X’s authorized user benefits and what to look out for when adding authorized users to this card.
What benefits does the Capital One Venture X Rewards Credit Card offer?
- Payout Rate: Earn 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, and 2x miles on other purchases.
- Welcome Offer: Earn 75,000 miles after spending $4,000 on purchases within the first 3 months of account opening
- Annual fee: $395
In addition to these perks, the Venture X card offers attractive perks for travelers: The card offers up to $300 in statement credits per year on purchases made through Capital One Travel, plus access to Capital One lounges and more than 1,300 Priority Pass Select lounges.
Additionally, cardholders receive up to $100 in application credits toward Global Entry or TSA PreCheck membership every four years, plus 10,000 bonus miles each year on their account anniversary. There’s no limit to the number of rewards you can earn, and they never expire.
What benefits are available to approved users?
Airport lounge access is a big perk of Venture X, but it’s not necessarily a perk offered to authorized users. Authorized users have access to both Capital One and Priority Pass lounges, and can bring two guests with them on their visit.
Other Venture X benefits and whether approved users are eligible to receive them are listed below.
| Rewards | Yes, all earned miles will be credited to the primary cardholder’s account. |
| Welcome Bonus | No, only the cardholder can earn the welcome bonus, but authorized user spending will count towards the minimum spend requirement. |
| Access to Capital One lounges and over 1,300 Priority Pass Select lounges | Yes, approved users can access Capital One and Priority Pass lounges. |
| A credit to cover up to $100 in Global Entry or TSA PreCheck application fees (every 4 years) | No, this credit applies to cardholders only. |
| $300 annual statement credit for purchases made through Capital One Travel | No, only the primary cardholder will receive the credit, but authorized users’ purchases will also be eligible for the credit. |
| 10,000 bonus miles every account anniversary | No, only the cardholder can use the annual bonus. |
| Return Protection | Yes, authorized users are offered the same purchasing protections as the primary cardholder. |
| No Foreign Transaction Fees | Yes, there are no foreign transaction fees for cardholders and authorized users. |
| Free Hertz President’s Circle® Status* | Yes, both the cardholder and authorized users can receive complimentary Hertz President’s Circle® status, which offers guaranteed upgrades, skip-the-line access at select locations, and a wider range of vehicle options. |
How much does it cost to add an authorized user to Capital One Venture X?
You can add up to four authorized users at no extra cost. This is a competitive offer, considering that many cards charge a fee for adding an authorized user. For example, the Platinum Card® from American Express charges $195 to add a user.
How to Add Authorized Users to Capital One Venture X
Once your account is approved, adding an authorized user to your credit card is easy. You can do this through your online account or by calling the number on the back of your card. Both the primary cardholder and the account manager can add authorized users to their cards.
Is it a good idea to add authorized users to Capital One Venture X?
Adding an authorized user is a benefit to both the cardholder and the authorized user. Considering that authorized users aren’t subject to the same credit score requirements as the cardholder, it’s a great way for families to earn rewards together. Plus, becoming an authorized user can help teens and young adults establish a credit history, giving them a leg up on opening their first credit card.
However, there are some caveats to be aware of: Capital One reports credit history, including authorized user activity, to the credit bureaus, which could negatively impact the cardholder’s credit if authorized users don’t use the card responsibly.
Additionally, having multiple cardholders can lead to misunderstandings about who pays the balance, how much each cardholder can spend, etc. After all, negative behavior affects cardholders’ credit scores.
Conclusion
The Capital One Venture X Credit Card offers rewards to authorized users that other top travel cards have a hard time competing with. Cardholders earn more miles for every dollar spent by authorized users. Additionally, you can add up to four authorized users at no extra cost, and authorized users get airport lounge access, making this credit card especially attractive for families and groups.
*Upon enrolling through the Capital One website or mobile app, eligible Cardholders will maintain their upgraded status level through December 31, 2024. Enrolling through the regular Hertz Gold Plus Rewards enrollment process (e.g., on Hertz.com) does not automatically detect that the Cardholder is eligible for the program, nor will it automatically upgrade the Cardholder to the applicable status level. Additional terms apply.
For Capital One products listed on this page, some of the above offers are provided by Visa® or Mastercard® and may vary by product. Conditions and exclusions apply, so please refer to the respective offers guide for details.
