Capital One VentureX credit card, $399 annually with lounge access and $300 travel credit. Anyone have this card? Do you like it?

[rickandcindy23]

I read about this card on Points Guy and he recommends the card. Of course, he gets some benefits when you click and apply for a card, so of course he would recommend it. You might say, "Well, then go for it," but it's not that simple because we already have two Chase Sapphire Reserve cards and of course American Express cards with Hilton and Marriott. We have hotel cards with IHG, Hyatt (love my Hyatt) and we have other cards (like Chase Ink), which we don't really need or use anymore.

My thinking is that the Capital One lounge in Denver, which we were able to use on the 15th of May before our flight to MCO, is a nice place to relax. It's large, lots of comfortable places to sit, and had specialty coffee, some food items not really worth much, but still food, and beverages + candy for Rick, which he really enjoyed.

Priority Pass hasn't opened a "The Club" lounge at DEN, and with as big as DEN is, you would sure think there would be a lounge in the works. There are two restaurants participating now, but that goes away soon. Our son is fire protection engineer at DEN and assured us that no new lounges are making it to his desk, and he sees about everything that is happening at the airport.

The $300 travel credit is something I don't see explained in detail anywhere. Is it a credit that we would get after spending $300 on travel on say Southwest, and see a reimbursement for $300?

 

[GetawaysRus]

The Points Guy website is very self-serving, in my opinion. They pimp credit cards heavily.

We have the Venture X, the Chase Sapphire Reserve, an AmEx Gold, and the AmEx Marriott Bonvoy Brilliant. That's a bunch of cards with high annual fees. They serve different purposes for us, and I debate all the time about whether to cancel one or more, but that's not the subject here.

So let's talk about the Venture X. It's not even in my wallet. I earned 100K CapOne "miles" when I signed up a few years ago and met the spending requirement.

We mainly fly American Airlines, which means that we often connect through Dallas. My main use for the Venture X is to get into the CapOne DFW lounge. It's really the only airport lounge in the US that we like. Unfortunately, it has gotten quite a bit busier over the past few years, but it's still OK. I've never visited the CapOne DEN lounge, but we would likely enjoy it if it's comparable to DFW.

How do I justify the $399 annual fee on the Venture X? There's that $300 annual travel credit that's been pretty easy to use. You MUST reserve through the CapOne travel portal to get the credit. But if we need a rental car on one of our trips, the rates have been acceptable. CapOne Travel has the usual rental car companies. (I can often get a rental car cheaper if I'm willing to pay cash. I start reserving well in advance and allow a website called Autoslash to continually search for a better deal for me. But I'm OK with using my CapOne travel credit when it's available.) The CapOne travel portal is easy to use. You can reserve from their selection of flights, hotels, and car rentals. (I have never done flights and can't tell you which airlines are available. I just tried a quick search on a route that I'm almost certain Southwest flies. Southwest did NOT come up.)

Another benefit of the card is 10,000 CapOne miles on your anniversary. That's worth about $100-ish when you are able to redeem the points.

So overall, even though I don't use the Venture X for everyday spending (because other cards give me better benefits from regular spending), I figure that my annual out of pocket cost for the Venture X is small given the credits I get. Flying can be brutal, and the DFW CapOne lounge does make the journey easier.

One caveat: we need about a 90 minute to 2 hour layover in DFW to get over to that lounge and then relax and enjoy it. So I plan our flights that way. It really irritates me when the darn airline changes our flights and substantially reduces the layover time, or if our first flight is delayed and we don't have much time to connect. This happens a lot, unfortunately, and has nixed a couple of potential lounge visits.

 

[TolmiePeak]

I might check this card out as I understand that Chase Sapphire Reserve is dropping the Priority Pass $28 food credit per person at select restaurants. That was the main reason we had the card. We would eat breakfast at one restaurant for free and then get rice bowls at another for free before we boarded our flights. The Club lounges at SeaTac were nothing special.

 

[rickandcindy23]

I might check this card out as I understand that Chase Sapphire Reserve is dropping the Priority Pass $28 food credit per person at select restaurants. That was the main reason we had the card. We would eat breakfast at one restaurant for free and then get rice bowls at another for free before we boarded our flights. The Club lounges at SeaTac were nothing special.

Capital One only has 3 lounges. Points Guy says they are adding more, but don't count on it.

The DEN lounge had wonderful chocolate covered raisins, one of Rick's favorites. They had some sandwiches to go and bags to put them in for the plane.

 

[jwalk03]

I might check this card out as I understand that Chase Sapphire Reserve is dropping the Priority Pass $28 food credit per person at select restaurants. That was the main reason we had the card. We would eat breakfast at one restaurant for free and then get rice bowls at another for free before we boarded our flights. The Club lounges at SeaTac were nothing special.

Capital One also dropped the Priority Pass restaurant credit- so this card won't help you there either.

 

[jules54]

I read about this card on Points Guy and he recommends the card. Of course, he gets some benefits when you click and apply for a card, so of course he would recommend it. You might say, "Well, then go for it," but it's not that simple because we already have two Chase Sapphire Reserve cards and of course American Express cards with Hilton and Marriott. We have hotel cards with IHG, Hyatt (love my Hyatt) and we have other cards (like Chase Ink), which we don't really need or use anymore.

My thinking is that the Capital One lounge in Denver, which we were able to use on the 15th of May before our flight to MCO, is a nice place to relax. It's large, lots of comfortable places to sit, and had specialty coffee, some food items not really worth much, but still food, and beverages + candy for Rick, which he really enjoyed.

Priority Pass hasn't opened a "The Club" lounge at DEN, and with as big as DEN is, you would sure think there would be a lounge in the works. There are two restaurants participating now, but that goes away soon. Our son is fire protection engineer at DEN and assured us that no new lounges are making it to his desk, and he sees about everything that is happening at the airport.

The $300 travel credit is something I don't see explained in detail anywhere. Is it a credit that we would get after spending $300 on travel on say Southwest, and see a reimbursement for $300?

Cindy girl you need to close those cards you’re not using. I had 2 chase cards I’ve closed in 2024 that I havent been using as much. Chase makes it simple I sent them a message online and presto the cards disappeared from my account. No talking to multiple customer service reps.

I just got the Capitol One Venture card. 75,000 bonus points 99.00 annual fee have to spend 4,000 in 3 months. 2 pts for every dollar spent and 5 pts for travel some other categories with bonus miles also.

My favorite card for several years has been the Barclay. 2 pts for every dollar and you can redeem the points on paying for travel You charge. All our campground are eligible and RCI exchange fees also. Any charges we make at resorts show up also. Nice to be able to pay for exchange fees with 29,900 pts. Doesnt take long to rack up the miles we use that card for everything except dining and fast food for that we use Chase Shappire.

 

[rickandcindy23]

Cindy girl you need to close those cards you’re not using. I had 2 chase cards I’ve closed in 2024 that I havent been using as much. Chase makes it simple I sent them a message online and presto the cards disappeared from my account. No talking to multiple customer service reps.

I just got the Capitol One Venture card. 75,000 bonus points 99.00 annual fee have to spend 4,000 in 3 months. 2 pts for every dollar spent and 5 pts for travel some other categories with bonus miles also.

My favorite card for several years has been the Barclay. 2 pts for every dollar and you can redeem the points on paying for travel You charge. All our campground are eligible and RCI exchange fees also. Any charges we make at resorts show up also. Nice to be able to pay for exchange fees with 29,900 pts. Doesnt take long to rack up the miles we use that card for everything except dining and fast food for that we use Chase Shappire.

We really need to drop a few cards. I don't like having cards that don't get used and have an annual fee. The reason I kept the Chase Ink was that we were getting 5X points on gift cards at office stores, like Staples and Office Max. It's not a hobby we are doing anymore. We were doing manufactured spend, buying Visa cards, exchanging them for money orders at WalMart, then depositing into our account. I still sometimes buy gift cards for Disney or restaurants, but we don't get the value of that annual fee.

 

[simpsontruckdriver]

I just got the Capitol One Venture card. 75,000 bonus points 99.00 annual fee have to spend 4,000 in 3 months. 2 pts for every dollar spent and 5 pts for travel some other categories with bonus miles also.

I too have the Capital One Venture card, I use it for every day purchases (including utilities) and use the miles for Amazon (1 mile = $0.008 Amazon credits). I have the AmEx SkyMiles Platinum for flights/cellphone protection/LYFT ($10 per month credit), and AmEx Hilton Aspire for hotels.

TS

 

[rickandcindy23]

The 2% doesn't build up all that fast for us. I tend to use the Hyatt card for groceries, Sam's Club, WalMart, Home Depot, Lowe's, etc.

 

[free2travel]

Well, if there is candy involved ...

 

[1Kflyerguy]

Capital One also dropped the Priority Pass restaurant credit- so this card won't help you there either.

That seems to be happening to many of the credit cards. I am guessing Priority Pass wanted more money for that version of their program. It will probably be removed from most or all cards over time as the contracts with Priority Pass come up for renewal.

 

[pinetree1]

We value CapitalOne Venture X card highly for 2 reasons:

First, Capital One X offers first party rental car coverage, which is the same as Chase Saphire Reserve offers, even for international car rental. These 2 cards are the only cards offers first party car rental benefit.

Second, Venture X allow you to add authorized user who can have own Priority Pass account for free while Chase Saphire charges for adding authorized user.

 

[frank808]

We value CapitalOne Venture X card highly for 2 reasons:

First, Capital One X offers first party rental car coverage, which is the same as Chase Saphire Reserve offers, even for international car rental. These 2 cards are the only cards offers first party car rental benefit.

Second, Venture X allow you to add authorized user who can have own Priority Pass account for free while Chase Saphire charges for adding authorized user.

Chase Sapphire Preferred
United Club Infinite
United Quest
United explorer
Ritz Carlton

All credit cards above provide primary car rental insurance. A bunch of Chase business credit cards provide primary car rental insurance for business use in U.S.

 

[jwalk03]

We value CapitalOne Venture X card highly for 2 reasons:

First, Capital One X offers first party rental car coverage, which is the same as Chase Saphire Reserve offers, even for international car rental. These 2 cards are the only cards offers first party car rental benefit.

Second, Venture X allow you to add authorized user who can have own Priority Pass account for free while Chase Saphire charges for adding authorized user.

The Sapphire Preferred is also Primary Rental Coverage and only has a $95 annual fee instead. (and free auth users)

I like the Ritz card for Priority Pass access. $450 annual fee; no fee for adding an auth user who also gets a free Priority Pass membership and you get UNLIMITED guests for Priority Pass. So if I am traveling with my kids and friends for example I can get all of them into the lounge for free. Its the only card I am aware of with unlimited PP guest privileges. It also provides primary Car Rental Coverage as well. And you can really offset the entire cost of the annual fee with the $300 airline incidentals credit & annual 85,000 point Bonvoy FNA.

 

[Sandy VDH]

We could always add referral links to Credit card offers and we could get the bonus not the points guy.

I did that with a friend of mine, and got 40,000 Chase Ultimate reward points. Should we start a referral thread??

 

[rickandcindy23]

That would be so nice to have a referral thread.

 

[free2travel]

All credit cards above provide primary car rental insurance

Just to be clear, I have United explorer; it offers only CDW as Primary insurance. Only your car. Nothing else. Right?
Are the others that way or do they offer more? Doesn't the costco card offer more?

Does "first party car rental benefit" mean CDW only for your car or more than that?

 

[jwalk03]

Just to be clear, I have United explorer; it offers only CDW as Primary insurance. Only your car. Nothing else. Right?
Are the others that way or do they offer more? Doesn't the costco card offer more?

Does "first party car rental benefit" mean CDW only for your car or more than that?

I am not aware of any credit cards that provide liability insurance for you car rental if that is what you are asking.

The Costco Citi card is secondary insurance in the US; only primary for an international rental.

 

[Sandy VDH]

CSR came in handy when I had a bumper car incident with an 18 wheeler on a snowy road with poor tires on the rental. I lost. truck was fine, and didn't even stop.

The car got written off, but only my time was spent not money. Time was required because getting documentation from the car rental company that the insurance required was not as easy as you would think. Not an easy situation at times, as some had to come from the local car location, and that is where the problem started. No one answered their phone there, at all, for 3 months. I think either they didn't answer or they didn't know there phone was broken.

But once that got straightened out the CSR card people handles everything. Car was written off, I was out nothing but some time. No money. Thank goodness.

Glad to have Primary coverage with CSR.

 

[billymach4]

We value CapitalOne Venture X card highly for 2 reasons:

First, Capital One X offers first party rental car coverage, which is the same as Chase Saphire Reserve offers, even for international car rental. These 2 cards are the only cards offers first party car rental benefit.

Second, Venture X allow you to add authorized user who can have own Priority Pass account for free while Chase Saphire charges for adding authorized user.

FWIW... I ditched the Chase Saphire.
Just got the Capital One Venture X

 

[rickandcindy23]

I finally bit the bullet and applied for the Capital One Venture X. The lounge access alone is worth having the card, and we will be even on the annual rewards we get with the card. $300 annual travel credit + 10,000 miles worth $100, definitely going to be used.

Today I had the 62,000 points in our Capital One Venture card account, not the X, and I was able to book a car rental for Kauai for the 59,000 of those points. Under $600 for the car was the best price I have seen, and using points made it free. I am very happy. The car is through Dollar.