The Capital One Venture X Rewards Credit Card launched in 2021 and remains one of the most exciting credit cards on the market.
As Capital One’s flagship card, Venture American Express Platinum Card® and Chase Sapphire Reserve® (See Rates and Fees).
The $395-per-year Venture
If you’re considering adding Venture X to your wallet, here are answers to eight frequently asked questions.
Can I apply for Venture X as an existing Venture cardholder?
One of the most pressing questions involves existing Capital One customers — specifically, whether you can apply for the Venture X if you already have a similarly named Capital One Venture Rewards credit card.
The short answer is: Yes, you can apply for a Venture X card as an existing Venture cardholder.
For example, Nick Ewen, senior editorial director at TPG, applied for the Capital One Venture Rewards card shortly after it launched in 2021. Less than a year after applying for Venture Rewards, he was approved for Venture X.
However, Capital One recently updated its rules regarding Venture Series Welcome Bonus eligibility, introducing a 48-month rule limiting annual fee reductions. It functions similarly to American Express Family Restrictions.
Venture
Reward your inbox with the TPG daily newsletter
Join over 700,000 readers and get breaking news, in-depth guides and exclusive offers from TPG experts
Thankfully, the Venture family’s upward trajectory was allowed. So if you plan to open a venture card with a lower annual fee, you’ll want to work your way up. For example, apply for VentureOne, then apply for Venture Rewards, then apply for Venture X.
That’s great news, because it means you can claim Venture
Related: Capital One Venture X’s Current Offer
What are the application restrictions for the Capital One Card?
Capital One has strict rules regarding application deadlines. Typically, you can only be approved for one Capital One card every six months.
Capital One is also sensitive to recent credit inquiries. Rumor has it, though, that Capital One might make it easier to get approved for the Venture X, even if you’ve applied for multiple credit cards recently.
Be strategic when applying. For example, you might want to consider the Chase credit card before the Venture X. That’s because this card will fall under Chase’s 5/24 rule, which means if you’ve opened five or more personal credit cards across all banks in the past 24 months, you may not be approved for a Chase credit card.
So if you’re approaching the limit of five new cards and Venture X will push you over that limit, you may want to apply for a Chase card first and then apply for Venture X.
Finally, some Capital One personal cards (including Venture
Related: The Ultimate Guide to Credit Card Application Limitations
As an existing Venture cardholder, can I upgrade to Venture X?
A Capital One spokesperson said existing Venture cardholders whose accounts are in good standing can contact the issuer’s customer service desk to find out whether they are eligible to upgrade to Venture X.
Each applicant’s situation will be different and will be assessed on a case-by-case basis. During TPG’s testing with Capital One, the phone agent offered to upgrade most of our Venture Rewards cards to Venture X. However, they reiterated that cardholders are not eligible for the welcome bonus.
Namely, one of our employees was informed that they were not eligible to upgrade their Venture to Venture X after being rejected as a new applicant. As the saying goes, your mileage may vary.
Of course, it’s also important to evaluate whether you should upgrade or apply as a new applicant.
Upgrading typically has zero impact on your credit score. In many cases, you’ll even keep the same account number. However, you will lose a substantial welcome bonus.
That being said, even if you qualify for the upgrade, you may want to apply directly to Venture X.
Related: Who should (and shouldn’t) get the Capital One Venture X Card?
Can I combine my Capital One miles on multiple cards?
Yes, you can combine Capital One Venture miles from cards like Capital One Venture and Capital One Venture X.
You must link your card to the same Capital One online profile to do this. Then, log into your account, navigate to the rewards section and select the “Mobile Rewards” option.
Related: Capital Mile: How to Earn, Redeem and Transfer Rewards
Is there a fee to add authorized users to Venture X?
There is no fee to add an authorized user. You can add up to four authorized users.
What rights do authorized users of Venture X have?
Venture X authorized users will have the same benefits as primary cardholders, including travel, shopping, luggage and rental car protection (details below). In addition, authorized users receive free access to themselves and up to two guests each time they visit a Capital One lounge, and free access to more than 1,700 Priority Pass lounges around the world for themselves and all accompanying guests. However, effective February 1, 2026, lounge access policies for authorized users and guests will change.
After this date, if you want Authorized Users to have access to the Lounge, you will be required to pay $125 per Authorized User per year. Additionally, you need to spend $75,000 in a calendar year to maintain free guest access; otherwise, it’s $45 per adult guest and $25 per child 17 and under (children under 2 are free in the Capital One Lounge).
Priority Pass lounge entry will cost $35 per guest after January 31, 2026, regardless of cost.
Currently, five Capital One lounges and one landing site are open:
Primary cardholders and authorized users will receive Hertz President Circle status*.
RELATED: Stack rental car benefits with Hertz and Venture X
What travel and shopping protection does Venture X offer?
Similar to Chase Sapphire ReserveVenture X is called the Visa Infinite Credit Card and offers a range of protections when using your card:
- Trip Cancellation and Interruption Insurance: Prepaid, non-refundable tickets are available for up to $2,000 each for you and your immediate family.
- Travel delay compensation: When your flight is delayed overnight or for 6 hours or more, you can pay up to $500 per person for reasonable expenses such as hotel rooms, food, toiletries and clothing.
- Compensation for lost luggage: For public airline tickets, if the airline damages or loses your baggage, the amount of compensation is up to $3,000 per covered trip.
- Mobile phone protection: By using the card to pay your monthly wireless bill, you’re eligible for up to $800 in coverage per claim (up to two claims) and $1,600 in coverage every 12 months. $50 deductible per occurrence.
- Primary rental car insurance: Damage to a rental car due to collision or theft can be up to $75,000.
- Purchase, Extended Warranty and Return Protection: Up to $10,000 per claim and $50,000 per account; warranty extended for an additional year; rebates up to $300 per item and $1,000 per account.
Like some other premium card programs, the Visa Infinite program also includes a dedicated concierge service that can assist with travel and dining arrangements, shopping, access to exclusive events, and more.
RELATED: Clear Plus expands concierge airport services for members
What types of car rental benefits and protections can I get with Venture X?
Venture
Once logged in, the primary cardholder must register through the Benefits tab on the Capital One website or app. Authorized users are also eligible for this offer. After successful registration, Hertz will process the request and the status will be effective within 24-72 hours after registration.
With Visa Infinite, you can also get up to $75,000 in primary rental car coverage to cover damage to your rental car due to collision or theft. You are only eligible for coverage if you rent a car for up to 15 consecutive days in the United States or 31 consecutive days in other countries.
Related: Credit Card Rental Car Insurance: The Best Credit Cards and How They Work
bottom line
The Capital One Venture X Rewards Credit Card reaches a larger audience than you think. If you’re a current Venture cardholder, it’s better to apply for Venture X rather than upgrade because you can get a welcome bonus.
The Venture
To learn more about the card, check out our full review of the Venture X.
Learn more: Get the Capital One Venture X Rewards Credit Card and earn 100,000 bonus miles when you spend $10,000 in purchases within the first six months of account opening.
For the Capital One products listed on this page, some offers may be provided by Visa® or Mastercard® and may vary by product. Please see the appropriate benefits guide for details as terms and exclusions apply.
*After enrolling through the Capital One website or mobile app, eligible cardholders will maintain that status level for the duration of the offer. Please note that enrollment through the normal Hertz Gold Plus Rewards enrollment process (e.g., at hertz.com) does not automatically detect cardholder eligibility for the program, and cardholders will not automatically be upgraded to the applicable status level. Additional terms apply.
