We've spilled plenty of digital ink explaining what makes the *venture x* so extraordinary. It's a legitimate premium travel credit card with a reasonable annual fee and plenty of perks and benefits that can easily outweigh that cost. You can even earn a huge, 75,000-mile bonus after spending $4,000 on the card in the first three months of holding it.
But one aspect of this credit card is borderline mind-blowing: You can add up to four authorized users to your Venture X … for free. Wondering why that's so great?
Adding additional card users is an easy way to share some of this card's great travel perks with friends and family – or even have them help you meet the spending requirements to earn the huge 75,000-mile bonus on this card. Other top-of-the-line travel credit cards charge another $75 (or much more) a year for each authorized user.
But remember: Credit cards are serious business. You shouldn't open a new card or add authorized users on that card unless you can afford to pay off any charges you and they make in full every month.
With the Venture X, it's free – and that's incredibly generous. Here's everything you need to know about Capital One Venture X authorized users: How it works, what benefits they get, what they don't, and more.
- Basics of the Capital One Venture X Card
- What Benefits Do Venture X Authorized Users Get?
- What Benefits Don't They Get?
- Does an Authorized User's Spending Count Towards Earning the Bonus?
- Who Can I Add as an Authorized User?
- How to Add an Authorized User
- Drawbacks of Adding Capital One Venture X Authorized Users
- How Do the Venture X Authorized User Benefits Stack Up Against Its Competitors?
Basics of the Capital One Venture X Card
There's a reason why we keep writing about the ins and outs of the Venture X Card. It's one of the best travel credit cards to hit the market in years, if ever.
Here's a quick glance at everything it offers.
- bonus_miles_full
- Annual $300 travel credit to use for Capital One Travel bookings for flights, hotels, or car rentals
- Complimentary access to the Capital One Lounges, plus two free guests
- A Priority Pass membership, which will get you and an unlimited number of guests into 1,400-plus other airport lounges around the globe.
- Plaza Premium Lounge access for you and up to two guests.
- Use up to $120 credit for either TSA PreCheck or Global Entry once every four years
- Get 10,000 bonus Venture miles each year after renewing your card, starting in year two
- Earn 10x miles on hotels and rental cars and 5x miles on flights booked via the Capital One Travel portal
- Earn 2x miles on all other spending
- Primary Rental Car Coverage
- Lost Luggage Reimbursement
- Trip Delay Coverage, Trip Cancellation, and Interruption Coverage
- $395 annual fee
Learn more about the *venture x*.
Read more: Why the Capital One Venture X Annual Fee Shouldn't Scare You Off
All authorized users you add to your Venture X account will get some of the best benefits this card has to offer.
- Access to the amazing Capital One airport lounges in Dallas-Fort Worth (DFW), Denver (DEN), and Washington, D.C.-Dulles (IAD). So long as they have their card in hand, they can simply flash it at check-in whether they're traveling with you or solo. Plus, each authorized user can bring two guests at no additional cost!
- Authorized users get their own Priority Pass membership to get into 1,400-plus airport lounges worldwide. Priority Pass allows you to bring in an unlimited number of guests. However, the Priority Pass membership you get with the Venture X no longer includes access to non-lounge Priority Pass experiences like Priority Pass restaurants.
- Authorized users will also have access to the Plaza Premium lounges with the ability to bring up to two of their own guests.
- Any car rentals charged to an authorized user's card qualify for the same great primary rental car coverage, which covers most damages and makes any add-on insurance policies useless.
- Ditto for other travel insurance and purchase protections like lost baggage reimbursement, travel delay coverage, and trip cancellation or interruption insurance.
Read next: How to Get Airport Lounge Access for the Whole Family With 1 Credit Card
What Benefits Don't They Get?
The Capital One Venture X Card comes with a host of other benefits that can quickly offset the card's $395 annual fee. Unfortunately, many of those benefits don't pass down to your authorized users.
- Authorized users don't get their own $300 annual travel credit to use on purchases through the Capital One Travel portal.
- They also don't get their own credit to apply for Global Entry or TSA PreCheck. But that's a perk that very few credit cards offering these credits share with authorized users anyway.
- Only primary cardholders get the 10,000-mile bonus on their cardmember anniversary. Those bonus miles don't multiply as you add more cardholders.
Absolutely!
In fact, beyond sharing lounge access and other perks, this might be the best reason to add authorized users to your Venture X account. They can help you meet the $4,000 spending requirement within three months to earn the 75,000-mile bonus.
Any charges an authorized user puts on their card count toward that spending requirement. They'll even earn 10x miles per dollar on car rentals and hotels booked through the Capital One Travel portal, 5x on flights booked through the portal, and 2x on all other purchases.
Just remember that you'll ultimately be responsible for ensuring those charges are paid off.
Capital One has told us that cardholders can add up to four authorized users who share the same home address. That means most family members are in, but other friends are probably out.
But in practice, that may not truly be the case. As you'll see below, there's nothing in the form used to add an authorized user that requires entering an address. In fact, we've tested this out and successfully added a friend as an authorized user to my Venture X account with no issues.
Read more about how authorized users on credit cards work!
It's easy.
Just log into your Capital One Venture X account, look for the main menu option titled “I Want To…” and click it.
From there, select “Add Account User.”
You'll have to pick between adding someone as an simply an authorized user or as an account manager, which is an authorized user with far greater access. Unless it's your spouse or partner you're adding to your card, simply adding authorized users should be more than sufficient.
Finally, you'll have to enter a few details about your authorized user: their name, date of birth, phone number, and social security number.
After filling out everything and proceeding, your new authorized user will get their own card and online account within the next few days or a week or so.
Let's be honest … there really aren't many.
If you want to share the travel perks of this card with your loved ones, it's almost a no-brainer. And remember: It's free to do so.
Perhaps most importantly, an authorized user on your account can still get their own Venture X Card down the road. So if you add a friend or family member as an authorized user to your Venture X today, there's nothing stopping them from applying for the card (and earning a welcome bonus) next month or next year.
If there's one drawback, it's with the Chase 5/24 rule. This is Chase's restriction that bars you from opening a new Chase credit card if you've opened five or more credit cards (from any bank, not just Chase) in the last 24 months. Getting added as an authorized user counts toward your 5/24 status.
That means adding someone as an authorized user on your Venture X could complicate their chances of getting a Chase card like the *chase sapphire preferred* or the *chase sapphire reserve* down the line. Fortunately, they should be able to get Chase to overlook it if being an authorized user is what’s pushing them over the edge – but they'll have to call Chase's reconsideration line at 888-270-2127 to do so.
Still, it's something to be aware of.
Adding authorized users to your credit card accounts can be an easy way to share benefits with friends and family. But when it comes to premium travel rewards credit cards, you generally have to pay to add another family member to your card account.
And it can cost a lot. You need only look at the Venture X card's two biggest competitors – the *chase sapphire reserve* and *amex platinum* – to see that.
The Chase Sapphire Reserve clocks in with an annual fee of $550 each year. But if you want to add a family member as an authorized user to your account, you'll pay another $75 per card member. Even if you add just one family member, a spouse, or significant other, for example, the card will cost you $625 each year.
It's even steeper with the Platinum Card. To start, it carries an annual fee of $695 (see rates & fees). But adding an authorized user costs $195 per additional card added after the recent price change. Yikes.
One of the most head-turning perks of the Venture X Card is how it handles these fees. Not only is the card's annual fee lower at only $395 each year, but the bank also allows you to add up to four authorized users to your card account … at no additional cost. That's a benefit that's typically only available on travel cards with few benefits and lower annual fees.
It's one of the biggest reasons why we think the Venture X is the best card for traveling families.
Read next: The 4 Best Credit Cards for Sharing Travel Perks With Authorized Users
Bottom Line
This is almost unbelievably generous. The ability to add up to four authorized users for free, sharing lounge access as well as some other great benefits, is unparalleled. No other premium travel credit card offers this option.
That's just another advantage that the Venture X Card has over the Sapphire Reserve & The Amex Platinum Card.
Learn more about the *venture x*.
We added my 16yo as an authorized user of P2’s venture X card. When trying to get her priority pass access the latest birth year one can enter is 2004. When we called, priority pass says you have to be over 18 to have a membership. Is this the case?
Do each of the authorize users also get reimbursed for global check/tsa precheck? Thanks!
Hi Pete. Unfortunately no. Only one credit per account.
I added authorized users to my account and they received their credit card with unique numbers. We tried setting up their priority pass but are getting an error message. Any tips or tricks?