The Capital One Enterprise X Rewards Credit score Card has carved out a powerful place within the premium rewards bank card market, giving legacy playing cards like The Platinum Card® from American Categorical and the Chase Sapphire Reserve® (see charges and costs) a run for his or her cash.
Whereas the Enterprise X’s $395 annual price continues to be one thing to contemplate, it is a lot decrease than what Capital One’s rivals cost. Not solely are the cardboard’s perks aggressive, however many even lengthen to approved customers — and cardholders can add as much as 4 approved customers at no further price. (Nevertheless, there are some modifications coming in February, that are defined beneath.)
Let’s evaluate the complete suite of advantages that further customers of the Enterprise X card can take pleasure in. Specifically, we’ll spotlight the rising variety of lounges you and your touring companions can all go to collectively.
Enterprise X overview
Earlier than we dig in, let’s evaluate the main points of the Venture X.
For a $395 annual fee, Venture X cardholders receive:
- Welcome bonus: Earn 75,000 bonus Capital One miles after spending $4,000 on purchases in the first three months from account opening. This offer is worth $1,388 based on TPG’s September 2025 valuations.
- Earning rates: Earn 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel, 5 miles per dollar spent on flights and vacation rentals booked through Capital One Travel and 2 miles per dollar spent on all other purchases.
- Annual credit: Receive a $300 credit annually when you book travel with your Venture X through Capital One Travel.
- Anniversary bonus: Earn 10,000 bonus miles every account anniversary.
- Capital One Lounge access: Get unlimited access to Capital One Lounges for you and two complimentary guests (each guest after that will cost $45).*
- Priority Pass membership: Enjoy access to more than 1,300 Priority Pass lounges worldwide for you and up to two guests traveling with you.*
- Global Entry or TSA PreCheck reimbursement: Receive up to a $120 statement credit every four years for either Trusted Traveler Program.
- No foreign transaction fees
*Guest access is set to change starting Feb. 1, 2026.
Related: 6 things to do when you get the Capital One Venture X
Venture X lounge policy changes
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- Authorized users will no longer receive complimentary lounge access; instead, primary cardholders will have to pay $125 per authorized user (up to four users) for them to receive lounge access.
- Primary cardholders and authorized users will no longer be able to bring in guests to Capital One lounges for free unless they spend at least $75,000 on their card in a calendar year; if not, guests will cost $45 per adult and $25 for children 17 and younger (children under 2 continue to enter for free).
- Similarly, Priority Pass guest access will no longer be complimentary and will cost $35 per guest, even if you spend $75,000 or more on your card.
Which Venture X benefits apply to additional cardholders?
This makes the Venture X a much more affordable option for couples and families, plus many perks extend to authorized users as well.
Airport lounge access
Cardholders and authorized users receive access to Capital One’s lounges at:
The amenities — like Peloton bikes and premium, locally sourced eats — are outstanding.
However, it’s important to note again that beginning Feb. 1, 2026, guest access for the primary cardholder and lounge access for authorized users is changing and will no longer be complimentary.
Currently, Venture X cardholders also get a complimentary Priority Pass lounge membership (with the ability to bring up to two complimentary guests traveling with them).
However, what makes the Venture X’s lounge privileges even more compelling is that authorized users can enjoy the same lounge access privileges as the primary cardholder. So, you can add four free authorized users to your card, and each can visit all the lounges named above while also bringing in guests. If you have a large family, this benefit could be invaluable.
Just know that an adult must accompany guests under 18 years old.
Let’s say you opened the Venture X and then added four additional users. You and each of your authorized users would be able to get into Capital One and participating Priority Pass lounges, along with two complimentary guests each. Add it all together — five cardholders plus two guests apiece — and you could get 15 travelers into the airport lounge altogether (one of those people being you).
Just note that the exact procedure for accessing these lounges varies:
- Capital One Lounges: Show your Venture X card and an eligible, same-day confirmed boarding pass for entry.
- Priority Pass lounges: Register for your complimentary Priority Pass membership at this link utilizing your Enterprise X particulars. Then, current your Precedence Move card and an eligible, same-day boarding move for entry.
This is applicable to each the first cardholder and approved customers on the cardboard.
Associated: The ten greatest Precedence Move lounges around the globe
Complimentary Hertz President’s Circle elite standing
Hertz’s partnership with Capital One grants complimentary Hertz President’s Circle elite standing** to Enterprise X main cardholders and approved customers. This top-tier standing will get you a assured one-class automobile improve, 50% bonus factors on all leases, entry to a broader vary of vehicles and a devoted customer support line.
Eligible cardholders should enroll by way of the Capital One web site or cell app. Cardholders can register by visiting their eligible card’s “Rewards” tab or “Capital One Journey Advantages” tab and clicking on the Hertz profit tile. Major cardholders should enroll approved customers by way of this similar course of.
You can too stack this profit with the flexibility to earn additional miles on rental automobile bookings made with Capital One Journey. You may get your Hertz perks and earn 10 miles per greenback spent on leases booked with Capital One Journey, which is not a stacking mixture obtainable with different playing cards, portals or rental companies. On this method, you are assured the most effective of each worlds.
**Upon enrollment, accessible by way of the Capital One web site or cell app, eligible cardholders will stay at that standing stage by way of the period of the provide. Please word that enrolling by way of the traditional Hertz Gold Plus Rewards enrollment course of (e.g., at hertz.com) is not going to robotically detect a cardholder as being eligible for this system, and cardholders is not going to be robotically upgraded to the relevant standing tier. Extra phrases apply.
Buy and journey protections
The Enterprise X is a Visa Infinite card, so there are a number of essential journey and buy protections that each the first cardholder and approved customers can depend on:
- Cellphone safety: Obtain as much as $800 in protection per declare, with a most of two claims and $1,600 per 12-month interval. A $50 deductible applies per incidence.
- Misplaced baggage reimbursement: Obtain as much as $3,000 per lined journey if the airline damages or loses your luggage.
- Major rental automobile insurance coverage: Obtain as much as $75,000 attributable to injury attributable to collision or theft to a rental automobile.
- Buy, prolonged guarantee and return protections: Obtain as much as $10,000 per declare and $50,000 per account on purchases. Warranties are prolonged by a further 12 months. Return protections are for as much as $300 per merchandise and $1,000 per account.
- Journey cancellation and interruption insurance coverage: Obtain as much as $2,000 per particular person for pay as you go, nonrefundable tickets for you and speedy relations.
- Journey delay reimbursement: Obtain as much as $500 per particular person for affordable bills like lodge rooms, meals, toiletries or garments when your flight is delayed in a single day or by six hours or extra.
Which advantages do not Enterprise X approved customers obtain?
Likewise, solely the first cardholder will obtain the ten,000-mile anniversary bonus.
That mentioned, approved customers’ spending racks up Capital One miles on the similar charges as the first card, and their purchases will depend towards the cardboard’s minimal spending requirement to earn the introductory bonus. So, including customers to your account and having them spend (responsibly) in your behalf might provide help to snag these 75,000 bonus miles even sooner.
How you can add approved customers to your Enterprise X
When you resolve so as to add approved customers to your Enterprise X, go to your Capital One account and search for the “I Need To” button on the appropriate aspect of the display screen. Then, click on “Add Account Consumer.”
You will then need to resolve the extent of entry you wish to present to your approved consumer. You’ve two choices:
- Account supervisor
- Approved consumer
This is a full chart of what main cardholders, account managers and approved customers can entry.
When you evaluate the choices and make your choice, you may enter your approved consumer’s first and final title, cellphone quantity, date of beginning and Social Safety quantity.
Backside line
There is not any query about it: The Capital One Enterprise X supplies beneficiant advantages to approved customers. One of the best half is that you could add 4 further cardholders at no further price, making the Enterprise X inexpensive for bigger households and teams.
Subsequent time you go to a Capital One or Precedence Move lounge, you could possibly herald the entire squad thanks to those approved consumer advantages. Simply pay attention to the lounge entry modifications coming in February.
For extra info, learn our full evaluate of the Capital One Enterprise X.
Study extra: Capital One Enterprise X Rewards Credit score Card
For Capital One merchandise listed on this web page, a few of the advantages could also be offered by Visa® or Mastercard® and will range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
For charges and costs of The Platinum Card from American Categorical, click on right here.
