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Arguably the most impressive aspect of this card is how lucrative it is for authorized users. I’ve never seen a premium credit card have such valuable perks and are widely useful for authorized users, so let me explain in this post why this one stands out.
How much does it cost to add authorized Capital One Venture X users?
Capital One Venture X Cardholders can add up to four authorized users to the card at no additional cost. That’s right, you can add four friends or family members to your account, and it won’t cost you anything beyond the standard $395 fee for a primary card member.
You might be thinking “Well if it’s not expensive, maybe authorized users don’t get much benefit?” wrong. And that’s one of the things that makes this card so great.
What benefits do authorized users of Capital One Venture X get?
Priority Pass membership, gives access to more than 1,300 lounges worldwide; Priority Pass membership issued through Capital One Access to Priority Pass restaurants, and also allows you to bring up to two guests in the lounges with you
Entry to the Capital One lounges, including the ability to bring a maximum of two guests; As of now there is only one lounge in DFW, but in 2022 we should see lounges open in both DEN and IAD
This is huge, as not a single credit card (that I know of) is open to new applicants and allows you to add approved users for free and give them Priority Pass membership.
In addition to these two basic perks, Capital One Venture X approved users also receive:
Hertz President’s Circle case, which offers car upgrades and much more
Same 2-10x miles per dollar spent on Capital One Venture X as a Primary Card Member; Of course, the primary cardholder is responsible for paying the bill, but this can come in handy for increasing rewards for family members as well.
The same purchase protection offered on a Capital One Venture X account as a Visa Infinite card
What benefits do Capital One Venture X approved users not get?
No additional travel credit of $300 for authorized users, although spending on the authorized user’s card can count toward the credit
No additional TSA Pre-Check or Global Entry credit for authorized users, although fees charged to an authorized user’s card can be refunded
No additional 10,000 Anniversary Miles bonus for authorized users
How to add authorized users of Capital One Venture X?
Adding process Capital One Venture X Authorized users of your card is easy. The first option is to add authorized users during the application process. Towards the end of the application, you will be asked if you want to add additional card members.
If you need more time to think about who you want to add, you can instead add authorized users after opening your account (that’s what I do, because when I apply for an account I focus on getting approved). Simply log in to your account, and on the account management page, click the “I want to…” button at the top right of the page.
A window will appear, and there you will want to select the “Add a user account” option, under the “Control your card” section.
You can then specify the “access level” of the user you’re adding:
You can designate someone as an “account manager”, in which case they will receive their own online login and can help you manage the account
You can designate someone as an ‘Authorized User’, in which case they will only get their own card, but won’t get an online login, so they can’t in any way manage the account
No matter which option you choose, you’ll be in trouble for all authorized user fees.
Once you select the type of authorized user you want to add, you’ll just have to share some basic details about it, including first and last name, phone number, date of birth, and Social Security number. Adding a Social Security number is optional if you are adding a person only as an authorized user and not as an account manager.
There are two additional things to note about adding authorized users:
If an authorized user wants to acquire Capital One Venture X as a primary card member in the future, they will still be eligible, including the welcome bonus.
If authorized users are concerned about chase mode 5/24Note that having a card as an authorized user can be considered an additional credit card within the 5/24 . limit
Does it make sense to add authorized users of Capital One Venture X?
The obvious answer is that of course it makes sense to add authorized users to Capital One Venture X. At no extra cost, you can add four approved users, and they’ll suddenly have access to an airport lounge.
I’m sure everyone with friends and family would be happy to have unlimited access to the airport lounge. This feature is even more awesome for those in DFW, DEN and IAD, which should all have Capital One lounges by 2022.
I can’t underestimate how generous Capital One is to let you add authorized users to the card at no cost. Just to compare this to some of the other premium cards that offer Priority Pass membership to authorized users:
To be able to get these privileges for authorized users without paying extra is simply great.
Why you might not want to add authorized users of Capital One Venture X…
You should probably add authorized users to Capital One Venture XBecause it costs nothing. But just to play the devil’s advocate, let me give an example of why that isn’t always the best option, at least for those of us who like to maximize value.
I can add Ford as an authorized user on my card, but instead apply for their own card. why? The way I see it, Venture X is better than the breakeven point, even for a basic card member only. In the long run, the Venture X fee is $395 per year, but the card offers:
Annual travel credit of $300 through Capital One Travel
Even not taking everything else into account, the card gets roughly $470 in value each year with an annual fee of $395. For those who share miles and points and value things the way I do, I think there is value in getting people on their own card, rather than adding them as an authorized user.
This is a product where I think it makes sense for each pair to choose their own card as the primary card member, and then have access to the gift lounge for a group of family and friends. At least that’s my plan.
The Capital One Venture X It just opened to applicants, and there’s a lot to love about this card. One of the best things about this card is that you can add up to four approved users at no additional cost.
What makes this great is that authorized users receive many of the same perks as the primary card holder, including Priority Pass membership, access to Capital One Lounges, a great rewards structure, and first-class purchase protection.
If you are going to acquire Capital One Venture X, are you planning to add authorized users?