6 things to do when you get the Capital One Venture X
Editor's Note
We love credit cards that come with an array of perks — especially when they can outweigh the card’s annual fee. Maximizing benefits on a credit card can mean the bank is essentially paying you to keep the card year after year. However, not using the perks means you’re potentially paying a fee for no reason.
This definitely applies to the Capital One Venture X Rewards Credit Card. The card has a ton of perks, and you’ll want to use as many of them as possible to justify the $395 annual fee.
The Venture X card also offers a 100,000-mile welcome bonus for those who spend $10,000 on purchases in the first six months from account opening. According to TPG’s January 2025 valuations, that bonus is worth $1,850.
If you recently got the Venture X credit card, here are the things you should do to unlock its full value.
Related: Is the Capital One Venture X worth the $395 annual fee?
Register for lounge access
You get unlimited access to Capital One lounges if you have the Venture X. This also applies to your authorized users on the card, along with complimentary entry for up to two guests per visit (children aged two and under are free). Additional guests are $45 each.
To gain access, just show your boarding pass and Venture X card.
However, the vast majority of lounges that Venture X cardholders can access also come with a Priority Pass Select membership. After enrolling and receiving your membership card, you and your guests can access over 1,300 lounges in airports worldwide.
To enroll, visit this enrollment page and enter your 16-digit Venture X account number. Then, follow the prompts to complete your registration.
Alternatively, you can access this page by logging in to your Capital One account, navigating to the benefits section, and clicking the Priority Pass icon.
Authorized users on your card also get Priority Pass membership, which leads us to the next point.
Related: A complete guide to Capital One’s airport lounges
Add free authorized users
You can add up to four authorized users to your Venture X account for no additional cost. You’ll be responsible for anything they charge to their cards, but all the miles earned from their purchases will go into your rewards balance.
The real benefit here is sharing some of your best benefits with authorized users. Authorized users receive access to Capital One lounges and a Priority Pass membership of their own — with the same guest access policy as the cardholder. The best part is that there’s no cost to add up to four authorized users to your card.
Related: The credit cards with the greatest value for authorized users
Apply for Global Entry or TSA PreCheck
No one likes waiting in line at airport security. Luckily, there’s a way to speed up the process, and the Venture X can help you get it for free.
Global Entry and TSA PreCheck are programs designed to help pre-screened passengers get through security checkpoints more quickly. Global Entry applications cost $120, while TSA PreCheck applications cost up to $85. Each one is valid for five years.
Once every four years, Capital One will reimburse Venture X cardholders up to $120 as statement credits toward application fees for these programs. This credit is once per account, meaning authorized users do not get their own fee reimbursement.
If you’re going to choose between one of these programs, I recommend Global Entry because it includes TSA PreCheck benefits and expedited screening when returning to the U.S. from another country.
Related: Things to know about Global Entry
Change your payment method on your cellphone bill
How much did you spend to buy your cellphone? For most of us, that answer is in the range of hundreds of dollars — though some top-of-the-line models can exceed $1,000. In short, phones aren’t cheap. And the cost of replacing them after damage or theft can be painful.
If you pay your monthly cellphone bill with your Venture X card, you’re automatically covered against damage and theft. This applies to every phone line listed on the bill, and coverage will kick in for the next calendar month after your payment.
Note that there are some limitations to this coverage:
- You can file a maximum of two claims every 12 months.
- The maximum coverage is $800 per claim.
- There is a $50 deductible on each claim.
- Coverage is supplemental, meaning you must first exhaust any other applicable policies (like renters insurance, for example).
If your claim is related to the theft of your cellphone, you must file a police report within 48 hours to be eligible for coverage from your Venture X card.
Related: Link a credit card with cellphone protection to your mobile bill
Activate rental car elite status
Venture X cardholders — including authorized users — receive complimentary Hertz President’s Circle status*. This is the top tier in Hertz’s Gold Plus Rewards program.
You can expect benefits like complimentary upgrades, a wide selection of cars from which to choose in the parking lot, a free second driver and the ability to skip the line. Rather than waiting in line inside to sign forms and get the keys, just head straight to the parking lot, get in your reserved car and drive off.
We should highlight three great elements of this perk.
First, it also applies to your authorized users. Second, thanks to status matching, you can use your Hertz status to gain status with other companies.
Finally, and most importantly, you can actually stack this perk with the card’s enhanced earning rates on car rentals and the annual $300 travel credit for purchases through the Capital One Travel portal.
* Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.
Since your Venture X card provides primary rental car insurance, this is a great card to use for rentals. Cardholders can get up to $75,000 in coverage for damage caused by collision or theft to a rental car. This coverage is available without the need to buy insurance from the rental company. The car rental insurance benefit is a Visa Infinite card feature.
Related: The complete guide to car rental elite status matches
Transfer your miles to a travel partner
To truly maximize the Venture X, consider leveraging Capital One’s transfer program. Currently, Capital One offers 15-plus airline and hotel transfer partners, with most converting at a 1:1 ratio.
Capital One’s rewards program competes with American Express Membership Rewards and Chase Ultimate Rewards.
By utilizing transfer partners, you can maximize the value of your miles by more than 1.85 cents per mile, according to TPG’s January 2025 valuations.
For example, you could transfer your Capital One miles to Air Canada Aeroplan. Then, you could fly to the Middle East with an extended stopover in Europe thanks to Aeroplan’s generous stopover policy, giving you two trips in one.
Related: Why transferable points and miles are worth more than other rewards
Bottom line
The numerous perks of the Capital One Venture X Rewards Credit Card can seem daunting. Rather than leaving you wondering where to get started, we’ve compiled a list of six things you should do when you receive your card. This should give you a jump-start on maximizing your benefits and offsetting the card’s price tag.
The current welcome bonus is valuable, so that’s a major incentive to open the card. However, if you can take advantage of the majority of perks and benefits offered by the Venture X, it should keep earning a spot in your wallet year after year.
For more details, read our full review of the Venture X.
Learn more: Capital One Venture X Rewards Credit Card
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.