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Adding an authorized user to your credit card can come with a number of benefits. As a cardholder, it allows you to easily share your card with family or loved ones, and doing so can help you boost your credit score. Plus, it can help establish credit history for the authorized user and allow everyone’s spending to contribute toward rewards.
The Capital One Venture X Rewards Credit Card grants authorized users an impressive number of benefits, making it an attractive choice for a card with multiple users. In particular, access to the Capital One Lounge and over 1,300 additional travel lounges stands out as a competitive offer. You can also add up to four authorized users to this card at no additional cost.
Read on to learn more about Capital One Venture X authorized user benefits, as well as precautions to take when adding an authorized user to this card.
What does the Capital One Venture X Rewards Credit Card offer?
Quick card details
- Rewards rate: 10X miles on hotels and rental cars booked through Capital One Travel; 5X miles on flights booked through Capital One Travel; 2X miles on all other purchases
- Welcome offer: 75,000 miles after spending $4,000 on purchases within the first three months of account opening
- Annual fee: $395
In addition to these rewards, the Venture X card offers attractive benefits for travelers. This card provides up to $300 in statement credits per year for purchases made through Capital One Travel, plus access to the Capital One Lounge and over 1,300 Priority Pass Select lounges across 600 cities and 148 countries.
Additionally, cardholders receive up to $100 in application credits to cover Global Entry or TSA PreCheck membership every four years. Plus, you’ll get 10,000 bonus miles each year on your account anniversary (once your membership fees are paid). There’s no limit on how many rewards you can earn and they will never expire.
Which benefits are extended to authorized users?
Airport lounge access is a major benefit of the Venture X, and it’s a perk that’s not always extended to authorized users. Like accountholders, authorized users are able to bring two additional guests and each additional guest thereafter for $45. The offer makes it a great card for large families, especially those who travel often. Presently, there is only one Capital One Lounge open in Dallas, but there are plans to open more in 2022. However, authorized users are still granted access to over 1,300 Priority Pass Select lounges around the country and are able to bring two additional guests.
Other Venture X benefits, and whether or not authorized users qualify for those benefits, include:
|Benefit||Do authorized users qualify?|
|Rewards||Yes; all points are pooled into the primary cardholder’s account.|
|Welcome bonus||No; only the primary cardholder earns an intro bonus, but you can be targeted for an authorized user bonus.|
|Access to Capital One Lounge and at 1,300+ Priority Pass Select lounges||Yes; authorized users can enjoy access to Capital One’s lounges.|
|Global Entry/TSA PreCheck credit||No; this credit is only extended to the cardholder.|
|$300 annual statement credit for purchases made through Capital One Travel||No; only cardholders and account managers can make purchases that qualify for the annual $300 credit.|
|Annual 10,000 bonus miles
|No; only the primary cardholder can redeem the annual rewards.|
|Return protection||Yes; authorized users are offered the same purchase protection as primary cardholders.|
|No foreign transaction fees||Yes; neither primary cardholders nor authorized users are charged foreign transaction fees for purchases made outside of the United States.|
|Hertz Gold Plus Rewards President’s Circle status||Yes; both primary cardholders and authorized users receive complimentary Hertz Gold Plus Rewards President’s Circle status, which grants guaranteed upgrades, the ability to skip lines in certain locations, a wider selection of cars and access to 24/7 customer service.|
How much does it cost to add an authorized user on the Capital One Venture X?
You can add up to four authorized users at no additional charge. This is a competitive offer considering many cards charge fees to add authorized users. For example, The Platinum Card® from American Express charges $175 to add three additional users.
How to add an authorized user on the Capital One Venture X
It’s easy to add an authorized user to your credit card once your account has been approved. You can do this through your online account or by calling the number on the back of your card. Only primary cardholders, secondary cardholders and account managers can add authorized users to a card.
Is adding an authorized user to your Venture X card a good idea?
Adding an authorized user can be valuable to both the cardholder and the authorized user. It can be a great way for families to pool together resources, especially considering authorized users are not subject to the same credit score requirements as cardholders. Additionally, becoming an authorized user can help teenagers or young adults establish credit history, which can be a stepping stone toward opening their first credit card.
However, there are certain precautions to be aware of. Capital One reports credit history to the credit bureaus every two to three billing cycles, including the activity of the authorized user. If the authorized user does not use the card responsibly, it could negatively impact the cardholder’s credit.
Additionally, multiple people on the card could lead to miscommunication about who’s supposed to pay the balance or how much each cardholder can spend. At the end of the day, negative actions will impact the cardholder’s credit score.
The bottom line
The Capital One Venture X credit card offers benefits to authorized users that are hard for other top travel cards to compete with. As a cardholder, you’ll be able to rack up more points for every dollar authorized users spend. Plus, the ability to add up to four authorized users at no additional cost, not to mention authorized users’ ability to enjoy Capital One lounge access, makes this credit card particularly attractive for families or groups.