WEBVTT
00:00:08.960 --> 00:00:16.239
I used to consider the Capital One Venture X Rewards Credit Card a no-brainer, but now I consider it more of a full brainer.
00:00:16.399 --> 00:00:20.800
Today we're talking about if the VentureX is still worth it in 2026.
00:00:21.120 --> 00:00:31.679
I want to help current cardholders understand the recent changes and also speak to people who've never had it, but are considering it to help you figure out if it actually makes sense for you.
00:00:31.920 --> 00:00:39.359
The VentureX welcome offer just bumped up for a limited time to 100,000 miles after you spend$10,000 in the first six months.
00:00:39.600 --> 00:00:46.159
This matches the highest offer we've ever seen on this card, and we haven't seen an offer like this since 2022.
00:00:46.479 --> 00:00:56.560
Today I'm going to walk through the changes, the perks that remain on this card, and talk about strategy shifts for Venture Miles in 2026 and beyond, as well as approval tips.
00:00:56.880 --> 00:00:59.359
Welcome back to Points for Normal People.
00:00:59.520 --> 00:01:04.640
I'm Katie and I'm here because I know that travel costs add up, especially for a family.
00:01:04.879 --> 00:01:07.519
But I believe travel isn't just for the rich.
00:01:07.760 --> 00:01:24.000
That's why on Points for Normal People, I share the tips and tricks that my family has been using for over a decade to help you use your everyday expenses and credit card welcome offers to supercharge your travel points so that you can pay for entire vacations every year.
00:01:24.319 --> 00:01:37.920
I only call a limited number of cards no-brainers, and that's really reserved for cards where I think the value or the offer of the points are so good that they really make sense for almost everyone who can responsibly use credit cards.
00:01:38.079 --> 00:01:42.640
And the VentureX used to be one of those cards, but now it no longer is.
00:01:43.120 --> 00:01:57.359
That doesn't mean I don't think it's worth getting, and that doesn't mean I don't think it's worth keeping, but now I do think that every person has to take some time to understand the benefits on this card and how it works in order to make an informed decision.
00:01:57.599 --> 00:02:05.280
Now when there's a limited time offer and you can earn more points than normal, it can skew the analysis toward getting a new card, and that's fine.
00:02:05.439 --> 00:02:11.520
But once you have it, it's important to make sure you're using the perks and that it makes sense to keep year after year.
00:02:11.680 --> 00:02:18.479
Whether the VentureX is worth it depends on who you travel with, what other cards you hold, and how you value the benefits.
00:02:18.639 --> 00:02:21.840
We'll walk through all of that today so you can make an informed decision.
00:02:22.080 --> 00:02:29.840
Now I can't give a definitive recommendation because it also depends who you travel with, what other cards you hold, and how you value the benefits.
00:02:30.080 --> 00:02:31.840
But I'll share my tips.
00:02:32.319 --> 00:02:36.159
This card has an annual fee of$395 a year.
00:02:36.400 --> 00:02:40.080
So that's a bit hard to swallow when you're getting started with travel points.
00:02:40.319 --> 00:02:44.159
And for some people, you'll listen to this episode and realize it's not worth it for you.
00:02:44.240 --> 00:02:45.439
And that's fine.
00:02:45.599 --> 00:02:54.159
That's what I hope most of all, that you can listen to these podcast episodes and come out confident knowing whether a card is or isn't for you.
00:02:54.400 --> 00:02:57.199
If it isn't for you, you move on to something else.
00:02:57.439 --> 00:03:01.360
If it is for you, you'll know exactly how to extract all the value out of it.
00:03:01.599 --> 00:03:09.039
One of the big reasons this card used to be a no-brainer was that it was kind of like a three-legged stool with a trifecta of solid benefits.
00:03:09.280 --> 00:03:19.599
Yes, it has a$395 annual fee, but it also gives you a$300 travel credit each year and$10,000 bonus miles per year, which is worth a minimum of$100.
00:03:20.560 --> 00:03:25.520
Then on top of that, it had some of the most family-friendly lounge access policies.
00:03:25.759 --> 00:03:30.479
Between those three things, it was a winner and it had extra benefits to boot.
00:03:30.800 --> 00:03:35.439
But in 2026, it's losing those generous guest policies for lounges.
00:03:35.680 --> 00:03:44.319
Right when we heard that announcement, it felt like the stool had a broken leg and now it was wobbly and it was hard to figure out if it was worth salvaging.
00:03:44.479 --> 00:03:50.719
But now that I've thought about it more, it feels more like it was a three-legged stool that used to have a really comfortable cushion.
00:03:50.879 --> 00:03:52.319
And it lost the cushion.
00:03:52.479 --> 00:03:57.840
But the stool itself still has some good craftsmanship, so we don't need to just throw it away.
00:03:58.080 --> 00:04:00.000
We just might need another cushion.
00:04:00.240 --> 00:04:05.039
And that's kind of a pain because it means making a decision and it's going to cost a little bit more money.
00:04:05.199 --> 00:04:06.479
That's how I see it anyway.
00:04:06.560 --> 00:04:15.840
I'm going to discuss all the major benefits on this card, but I'm going to leave those lounge access benefits to discuss towards the end of the episode because they're a bit more convoluted.
00:04:16.000 --> 00:04:20.560
Let's start with the easy to understand benefits, the solid benefits that aren't changing.
00:04:20.800 --> 00:04:25.279
Right off the bat, this card will give you a$300 annual travel credit each year.
00:04:25.519 --> 00:04:28.720
To use this, you have to make a booking at Capital One Travel.
00:04:28.879 --> 00:04:36.800
So it isn't as easy to use as the travel credit on the Chase Sapphire Reserve, but it's easier to use than some of the travel credits on other cards.
00:04:36.959 --> 00:04:44.240
The way the credit works is that your VentureX account essentially has a$300 coupon preloaded for Capital One travel.
00:04:44.639 --> 00:04:46.560
You don't have to use it all at once.
00:04:46.800 --> 00:04:52.959
You can, for instance, book a$150 hotel room and then book a car rental later for$200.
00:04:53.839 --> 00:05:00.800
It would use up$150 for the hotel and then use up the rest on the car rental and you just pay what's left.
00:05:01.040 --> 00:05:03.439
This is a card member year perk.
00:05:03.600 --> 00:05:07.199
That means you get access to it as soon as you sign up for the card.
00:05:07.360 --> 00:05:14.319
And then every year it will reset on your card member anniversary, which is essentially when you get charged the annual fee again.
00:05:14.480 --> 00:05:19.600
Previously, you could only use that$300 for flights or hotels or rental cars.
00:05:19.839 --> 00:05:25.680
But some good news is that Capital One Travel has now added activities and you can book those with your credit as well.
00:05:25.839 --> 00:05:29.519
And I think that addition really helps the credit become more valuable.
00:05:29.759 --> 00:05:39.040
We've typically used our credit to book rental cars or to book independent hotels or hotels in smaller towns that might not have a hotel that's otherwise easy to book with points.
00:05:39.279 --> 00:05:44.959
But some years it's been a little harder to use, especially if we're getting down to the wire and we haven't used it.
00:05:45.279 --> 00:05:50.639
That happened to me this year, and I had$90 left to use right before it was going to expire.
00:05:50.879 --> 00:05:55.519
I was really struggling to figure out how to use it, but then I started browsing the new activities tab.
00:05:55.680 --> 00:05:58.560
And on there I found a lot of great fun options.
00:05:58.879 --> 00:06:02.240
This can work even in your hometown, but also for trips.
00:06:02.480 --> 00:06:08.480
The one I personally picked was that I booked an escape room in Denver for my daughter and two of her cousins while we were visiting there.
00:06:08.639 --> 00:06:11.839
And the pricing was the same as booking other places online.
00:06:12.319 --> 00:06:16.160
There's also tours and museum entries and all sorts of options on there now.
00:06:16.319 --> 00:06:22.720
In addition to that$300 credit, you'll also get 10,000 miles every year on your account anniversary.
00:06:22.959 --> 00:06:28.959
So you don't get this the first year you have the card, it's just in the subsequent years when you're paying your annual fee again.
00:06:29.199 --> 00:06:34.000
Now the first year, of course, you'll get a welcome offer, so you earn some extra bonus miles that way.
00:06:34.240 --> 00:06:41.279
This is one of the very few cards that earn transferable miles that also gives you anniversary bonus miles.
00:06:41.519 --> 00:06:45.519
And those 10,000 miles can be transferred to various travel partners.
00:06:45.759 --> 00:06:51.040
They can also be used just to give yourself a statement credit for any travel purchase you've made.
00:06:51.199 --> 00:06:55.360
So at the very least, those can be redeemed for$100 worth of travel.
00:06:55.600 --> 00:07:00.399
Now these two benefits can effectively cover the$395 annual fee.
00:07:00.639 --> 00:07:08.079
And overall, they arguably make this more of a keeper than the$95 venture card, because you can mentally break even with the annual fee.
00:07:08.240 --> 00:07:12.319
Instead of with the venture card, you're out$95 each year, you're keeping it.
00:07:12.480 --> 00:07:17.040
The only effort you have to put in is remembering to use your travel credit every year.
00:07:17.279 --> 00:07:21.199
Because this is a premium card, it also has some premium card benefits.
00:07:21.360 --> 00:07:24.959
But it gets those benefits at a relatively low annual fee.
00:07:25.120 --> 00:07:35.600
I don't think$395 is a low annual fee overall, but compared to other premium cards that have annual fees of$795 or$895, yes, it is less.
00:07:35.839 --> 00:07:39.839
So one of those premium benefits is Hertz President's Circle Status.
00:07:40.000 --> 00:07:47.839
It's important to note that this isn't automatic and you do have to sign up at a certain Hertz website and link your Hertz account with your Venture X card number.
00:07:48.000 --> 00:07:52.240
But when you do, you'll automatically get Hertz President's Circle Status.
00:07:52.560 --> 00:07:55.360
We use this a lot for car rentals in the US.
00:07:55.519 --> 00:08:05.439
And what it gives you is that if you book a mid-size category or higher, at most US airports, you'll get to choose from what's called the ultimate choice aisle when you arrive.
00:08:05.600 --> 00:08:10.720
So usually you can pick an upgraded car like an SUV or even a convertible or a Tesla.
00:08:10.879 --> 00:08:21.439
As a side note, I really don't recommend booking with Hertz outside of the US, as their international franchises are notorious for extra fees and high pressure insurance sales.
00:08:21.680 --> 00:08:27.759
We've had a few bad experiences overseas with Hertz, but within the US, we generally have a good experience.
00:08:28.000 --> 00:08:38.320
Even if you don't like booking with Hertz, you can also take that president circle status and ask other car rental companies to match it to a higher status with them, with your preferred company.
00:08:38.559 --> 00:08:44.080
There are a few tricks to making sure you get your president circle status recognized and for status matching it.
00:08:44.159 --> 00:08:48.720
So I'm going to link an article in the show notes if you want to read more about either of those.
00:08:49.039 --> 00:08:54.080
The VentureX also has return protection, which is another nice premium card benefit.
00:08:54.320 --> 00:09:05.600
Return protection means that if you buy an item and you aren't happy with it, and if the retailer won't take it back and give you a refund or exchange, you can still get reimbursed for that item.
00:09:05.759 --> 00:09:09.759
Now this is time limited, so it's within 90 days of purchase.
00:09:10.000 --> 00:09:12.080
And there are some other limitations.
00:09:12.240 --> 00:09:16.080
Like you can't return holiday decor or live plants that died.
00:09:16.320 --> 00:09:18.159
But most things are covered.
00:09:18.399 --> 00:09:24.960
One time I used this benefit was when I bought a few swimsuits on final sale online and they turned out not to fit my daughter.
00:09:25.200 --> 00:09:31.039
Because they were final sale, the store would not accept a return, so I filed a return protection claim.
00:09:31.200 --> 00:09:41.120
I was given instructions to ship back the item to a certain warehouse address, and the cost of shipping was deducted from my final reimbursement, but I was still pretty happy to get anything back at all.
00:09:41.360 --> 00:09:47.679
This can also help when stores have a short return window, like Amazon often only gives you 30 days to make a return.
00:09:47.919 --> 00:09:53.120
Especially if you're like me and sometimes you miss those shorter return windows, this can be helpful.
00:09:53.279 --> 00:10:02.639
The terms even state is applicable even if the item is open, so if a store won't take it back because you opened it but you decide it isn't what you want, this covers that too.
00:10:02.879 --> 00:10:08.960
The VentureX also has cell phone protection, but unfortunately this one is becoming harder and harder to use.
00:10:09.200 --> 00:10:13.360
The way this works is that you need to pay for your sell bill with your credit card.
00:10:13.519 --> 00:10:16.639
And just paying for the bill activates this benefit.
00:10:16.720 --> 00:10:22.639
And if your cell phone is stolen or damaged, you can get$800, or up to the value of your phone.
00:10:22.879 --> 00:10:26.000
If it needs repair, the coverage may just be for the repair.
00:10:26.159 --> 00:10:31.360
There is a$50 deductible for this, but that's pretty low compared to other cards with cell protection.
00:10:31.600 --> 00:10:38.720
Now the big frustration for a lot of people is that a lot of cell services now charge extra for using a credit card to pay the bill.
00:10:38.879 --> 00:10:45.279
Like with T-Mobile, I now lose my auto pay discount of$5 per line if I pay with a credit card.
00:10:45.440 --> 00:10:51.600
And there used to be a workaround for this for T-Mobile, but as of November 2025, this is now closed.
00:10:51.759 --> 00:10:57.360
So I would have to pay$20 each month just to pay with my credit card, which is nuts.
00:10:57.600 --> 00:11:05.039
There is still a Verizon workaround, but it's fairly laborious and requires you to go and pay in person at a kiosk in a store.
00:11:05.200 --> 00:11:10.399
So the usability of this benefit varies a lot on your cell provider and if they let you pay with a credit card.
00:11:10.559 --> 00:11:20.559
As of now, I'm researching debit card options that give some cell phone protection so I can keep my auto pay discount for T-Mobile and still get some sort of included protection.
00:11:20.799 --> 00:11:24.480
Once we have a more in-depth article on that, I'll send it out in the newsletter.
00:11:24.639 --> 00:11:27.039
So sign up if you're not on the list already.
00:11:27.200 --> 00:11:31.679
The newsletter goes out every Saturday morning and just includes all of our up-to-date tips.
00:11:31.840 --> 00:11:43.440
So those are all some solid benefits:$300 a year to Capital One travel, 10,000 bonus miles on your account anniversary, return protection, cell phone protection, and Hertz president circle status.
00:11:43.679 --> 00:11:48.720
In addition to all of those, the VentureX also has some benefits that are a little more common.
00:11:48.799 --> 00:11:53.279
So these might overlap with ones you have on other cards, but they're still worth mentioning here.
00:11:53.519 --> 00:11:59.120
So you'll get a credit for$120 every four years for Global Entry or TSA Precheck.
00:11:59.279 --> 00:12:11.360
And now that Global Entry allows a parent to add all of their children under 18 to an application, any family really only needs two cards that have this benefit to cover this for both parents and everyone under 18.
00:12:11.519 --> 00:12:15.440
The VentureX also includes primary car rental insurance.
00:12:15.600 --> 00:12:22.879
So if you use this card to pay for a car rental and you get into an accident, your personal car insurance rates won't be affected.
00:12:23.120 --> 00:12:30.480
Now this benefit is also available on the Chase Sapphire Preferred card for reference, so if you have that one, you do already have that over there.
00:12:30.720 --> 00:12:37.360
Other benefits it doubles up with the Sapphire Preferred on are purchase protection and extended warranty benefits.
00:12:37.600 --> 00:12:48.000
I discussed these in detail in season one in an episode all about Sapphire Preferred benefits, but I just wanted to mention that these benefits are on this VentureX card as well, in case you're wondering.
00:12:48.159 --> 00:12:57.840
As a quick review, purchase protection or purchase security covers you if you have a new item that you've purchased in the past 90 days and it's stolen or damaged.
00:12:58.080 --> 00:13:05.120
The damaged part is really key here because it is the worst when you just bought something and you accidentally break it.
00:13:05.279 --> 00:13:08.320
But with this, you're covered for the repair or the replacement.
00:13:08.480 --> 00:13:12.559
So items that you buy that have a warranty, this extends that by a full year.
00:13:12.799 --> 00:13:22.799
The Venture X also has trip delay insurance and trip cancellation protections, but this is one area where it's generally not up to par for a premium card.
00:13:23.039 --> 00:13:29.120
In fact, it's not as good as the coverage on the Sapphire cards, so I recommend using one of those instead.
00:13:29.360 --> 00:13:40.480
That's because the Chase Sapphire cards offer trip cancellation protection for flights, cruises, rental cars, and lodging, whereas the Venture X only offers it for flights and cruises and other transportation.
00:13:40.720 --> 00:13:49.440
With this in mind, it means I'd recommend using a Chase Sapphire over the Venture X if you're specifically using it to lock in travel protections.
00:13:49.600 --> 00:13:52.320
The coverage amount is actually more with the Sapphires 2.
00:13:52.480 --> 00:14:01.840
To be honest, this isn't an area I've always paid attention to for our personal travels because most hotels we book are refundable, or we're paying with some kind of points that are refundable.
00:14:02.000 --> 00:14:12.000
But I think it's helpful to know if you aren't using points and you have a Sapphire and AventureX to choose from, I really recommend choosing the Sapphire for the better travel insurance benefits.
00:14:12.159 --> 00:14:16.720
With AventureX, you also have access to booking travel through Capital One Travel.
00:14:16.879 --> 00:14:19.440
And Capital One Travel has some unique perks.
00:14:19.600 --> 00:14:26.960
Now you'll likely be booking at least$300 of travel through Capital One Travel because you'll be trying to use up that$300 credit.
00:14:27.200 --> 00:14:36.000
Now, one disadvantage of booking with a third party like Capital One Travel is that if you have any hotel status with a particular chain, your benefits won't be applied.
00:14:36.159 --> 00:14:41.679
So I don't mind booking this way for independent hotels or with chains that we don't need to use status perks at.
00:14:41.840 --> 00:14:49.360
You also do earn 10 miles per dollar spent on hotels if you book them through Capital One Travel, so sometimes that can really make sense.
00:14:49.519 --> 00:14:51.919
With flights, it's a little bit more complicated.
00:14:52.159 --> 00:14:57.519
Some people strongly prefer to book directly with an airline so it's more straightforward for any flight issues.
00:14:57.759 --> 00:15:04.559
When you book with a third party, you often have to deal directly with that third party instead of with the airline up until the day of travel.
00:15:04.799 --> 00:15:11.440
Now, personally, I've had equally good and bad experiences with airline customer support and third-party customer support.
00:15:11.679 --> 00:15:15.200
So I personally haven't seen it make a huge difference either way.
00:15:15.519 --> 00:15:18.000
So we generally just follow the deals.
00:15:18.159 --> 00:15:23.600
One thing I do like about Capital One Travel is that it offers a price drop guarantee on airfare.
00:15:23.679 --> 00:15:28.960
So if your airfare drops in price, it actually gives you a travel credit for Capital One Travel to use in the future.
00:15:29.120 --> 00:15:32.799
This is automated, and we once got it on a flight, and it was such a nice surprise.
00:15:33.039 --> 00:15:35.919
And that's something you don't ever get by booking direct.
00:15:36.159 --> 00:15:42.879
You can also choose to buy extra protection for flights that allows you to change to any flight available if your flight is canceled.
00:15:43.039 --> 00:15:50.639
I purchased this once when I was buying a ticket for a friend, and I just really wanted the peace of mind that if her flight was canceled, we could get her on any other flight that day.
00:15:50.799 --> 00:15:56.639
But still, I think booking flights in Capital One Travel is best for flights that you're really sure you're gonna take.
00:15:56.879 --> 00:16:06.960
There's also a price match guarantee you can use for hotels and car rentals, so if you find a lower price elsewhere, you can submit it to them and you can get a credit for Capital One Travel for the difference.
00:16:07.200 --> 00:16:13.600
I do think it's important to weigh various pluses of booking with Capital One Travel rather than just instantly writing it off.
00:16:13.759 --> 00:16:19.039
There's a lot of bloggers and creators who just say point blank, you should never book in a bank's travel portal.
00:16:19.200 --> 00:16:22.559
But I think that that's simplistic and honestly somewhat naive.
00:16:22.720 --> 00:16:34.799
There are lots of reasons you might want to book in a bank travel portal, but you just have to be aware that it won't help you earn hotel status, and your customer service experience might be different.
00:16:35.039 --> 00:16:41.519
We have a detailed article all about booking and travel portals that I will link in the show notes if you want to read more up about that.
00:16:41.840 --> 00:16:50.559
One more tiny perk I want to mention is that if you're near a Capital One Cafe, you can get 50% off drinks just by showing your Capital One card.
00:16:50.799 --> 00:16:56.960
We don't use this frequently, but we do when we're in Chicago, as there's a Capital One Cafe right down in the theater district.
00:16:57.200 --> 00:17:02.320
So inside there's a Pete's coffee with a full coffee menu, and so you can get 50% off there.
00:17:02.559 --> 00:17:06.400
Now I want to transition to talking about lounge benefits and how they've changed.
00:17:06.559 --> 00:17:09.440
Then we'll talk about strategy and application tips.
00:17:09.680 --> 00:17:15.519
Lounge access used to be a great perk on this card, but no longer is a slam dunk.
00:17:15.680 --> 00:17:19.119
There are a few cases where it is still really useful though.
00:17:19.359 --> 00:17:27.599
Last week we talked about lounge access, and I mentioned how the VentureX lounge access is really going downhill starting February 1st, 2026.
00:17:28.000 --> 00:17:39.359
The biggest changes is that starting February 1st, as a Venture X cardholder, you don't automatically get to bring any guests in with you to Capital One or Priority Pass Lounges.
00:17:39.519 --> 00:17:44.880
And your authorized users won't automatically have lounge access for either network either.
00:17:45.200 --> 00:17:53.279
If you want access for guests, you'll have to either pay per visit for guests or spend a lot of money each year on your card.
00:17:53.519 --> 00:18:00.480
So if you spend$75,000 a year on that card, you can then get two guests in the lounges with you every time you go.
00:18:00.720 --> 00:18:07.039
Or you could pay$45 for an adult guest to visit the Capital One lounge or$25 for a child.
00:18:07.200 --> 00:18:18.559
Or if you really want a specific person to have unlimited lounge access for themselves, you can pay a$125 annual fee for an authorized user to upgrade to lounge access for themselves.
00:18:18.799 --> 00:18:26.480
It was a surprise for me to see such a pendulum swing, from some of the most generous guest access to the absolute worst.
00:18:26.720 --> 00:18:29.279
Least affected, of course, are solo travelers.
00:18:29.440 --> 00:18:32.720
If that's you, this card still works for you for lounge access.
00:18:32.880 --> 00:18:40.240
But if you happen to travel occasionally with a friend or family member, you'd have to either pay for them to access the lounge or leave them outside.
00:18:40.559 --> 00:18:45.200
For priority pass access, this is truly the worst access of any card.
00:18:45.440 --> 00:18:49.680
I can't think of any other card that gives you no priority pass guests.
00:18:49.839 --> 00:18:55.759
Really, the only truly unique benefit of this card is the ability to access Capital One lounges.
00:18:56.000 --> 00:19:02.079
But to be honest, Capital One has really fallen behind Chase when it comes to continuing to open new lounge locations.
00:19:02.319 --> 00:19:10.640
Once the currently announced lounges are all built, the only airport that will have a Capital One lounge but no Sapphire Lounge is Denver.
00:19:10.880 --> 00:19:16.400
Every other airport with a Capital One lounge will also have a Sapphire Lounge as an alternate option.
00:19:16.559 --> 00:19:23.119
So for all those other airports, you could pursue getting a Chase Sapphire card or even better, a Ritz card for good, really good lounge access.
00:19:23.359 --> 00:19:27.440
But I think about this a lot because we fly to Denver a lot to visit family.
00:19:27.599 --> 00:19:32.480
If you're in and out of Denver frequently, this feels like a more complicated decision.
00:19:32.640 --> 00:19:44.559
So if that's you, if you fly in and out of Denver a lot, my recommendation is just to do the math to see how often you go and if paying$125 for a second adult to get access really makes sense.
00:19:44.799 --> 00:19:52.240
Since it costs$45 to enter, you'd have to go a minimum of three times a year to even break even versus paying per visit.
00:19:52.480 --> 00:19:59.920
Kids cost$25 per visit, so you'd have to take a kid more than five times to make it worth it to get another card in their name.
00:20:00.079 --> 00:20:03.359
But also remember that you can take items to go as well.
00:20:03.599 --> 00:20:07.359
So you could send the cardholder in and have them come out with snacks for everyone.
00:20:07.599 --> 00:20:17.119
Another option is that if you find the Capital One travel credit easy to use, you could double up in a household and get two Venture X cards for your household.
00:20:17.359 --> 00:20:28.480
Or one person could get a Venture X and the other could get a VentureX business card, which the business version actually will still give at least priority past guest access for two guests.
00:20:28.720 --> 00:20:34.799
Other than that, specifically for lounge access, you'll need an additional card if you're a family or even a couple.
00:20:34.960 --> 00:20:41.039
The Venture X is no longer a standalone card for people who want lounge access and travel with others.
00:20:41.359 --> 00:20:44.079
It doesn't mean the VentureX isn't worth having.
00:20:44.240 --> 00:20:47.119
You can see this has a good number of other benefits.
00:20:47.359 --> 00:20:52.400
It's just that the lounge access in particular is really only good for one person.
00:20:52.640 --> 00:20:58.880
Overall, most people will need to pair this with another card or two to get a full suite of travel perks and benefits.
00:20:59.119 --> 00:21:10.000
Now that's not intrinsically a bad thing because if you follow along with me, you'll see that opening multiple cards help you earn more rewards, more benefits, and you can do it all while keeping your credit score high.
00:21:10.240 --> 00:21:18.079
But the downside here is that if you're looking for a very simple solution and a one card that can sort of rule them all, this isn't it.
00:21:18.319 --> 00:21:23.920
One quick exception would be if you're a solar traveler who wants to keep it as simple as possible.
00:21:24.160 --> 00:21:29.200
In that case, you could get this card and get all the premium benefits and lounge access for yourself.
00:21:29.359 --> 00:21:36.079
And then you could supplement the travel insurance on the card if you're booking non-refundable reservations for cruises or lodging.
00:21:36.319 --> 00:21:44.079
And if you're worried about the lack of the travel insurance for lodging, you could supplement travel insurance by buying it for specific trips.
00:21:44.319 --> 00:21:50.240
For the rest of us, this card, this Venturex, can still be a strong component of a big picture strategy.
00:21:50.480 --> 00:21:55.519
Generally speaking, I think frequent travelers should have a well-balanced wallet with a few key perks.
00:21:55.759 --> 00:22:01.359
And that's probably a whole podcast episode in and of itself, building your ideal well-balanced wallet.
00:22:01.599 --> 00:22:03.200
For me, I like to have the following.
00:22:03.359 --> 00:22:08.640
So I like to have good protection for purchases of items and goods, including return protection.
00:22:08.880 --> 00:22:14.480
I like to have good trip protection that activates even if I pay just a small amount on the card like taxes.
00:22:14.720 --> 00:22:21.039
I used to say cell phone protection was really important to me, except that now that I'm a T-Mobile customer, that's no good to me anymore.
00:22:21.200 --> 00:22:25.440
And then one more is that I value the ability to get our whole family into lounges.
00:22:25.680 --> 00:22:32.880
And then I also like having cards in different ecosystems to keep transferable points alive and for different earning opportunities.
00:22:33.119 --> 00:22:37.519
Sometimes the cards I'm using to cover all of these bases may change from year to year.
00:22:37.680 --> 00:22:42.240
For me, this card used to check the box for lounge access, but it doesn't anymore.
00:22:42.480 --> 00:22:48.480
It will still get at least one of us into the Capital One lounges, and we'll probably get some food to go when we're in Denver.
00:22:48.640 --> 00:22:50.240
But that's now a small perk.
00:22:50.480 --> 00:22:54.079
It could still check a box for good purchase protection and return protection.
00:22:54.240 --> 00:23:00.960
It could check the box of cell phone protection if I had a different provider that took credit card payment without penalizing me.
00:23:01.119 --> 00:23:07.279
But the biggest reason I will personally keep it is that it allows me to earn venture miles and keep my venture miles alive.
00:23:07.519 --> 00:23:11.839
I have a whole other episode on how to use venture miles and specific sweet spots.
00:23:12.000 --> 00:23:19.200
I won't go into all of that here, but while I'm on the topic, I want to mention two notable changes to venture mile transfers.
00:23:19.519 --> 00:23:25.920
Capital One actually added a few transfer partners, and the most notable one is Japan Airlines, or JAL.
00:23:26.160 --> 00:23:32.480
This is especially great if you're planning a trip to Japan because JAL is one of the nicest ways to fly to Japan.
00:23:32.640 --> 00:23:37.519
And JAL releases a lot more seats that you can book with points to its own loyalty program.
00:23:37.759 --> 00:23:45.920
If Japan is on your list, definitely check out our new JAL article, which is very in-depth about all of this about creating a strategy to fly to Japan with points.
00:23:46.160 --> 00:23:53.920
A bit of a sad news is that one of our favorite Capital One transfer partners, Wyndham, is losing the ability to book Vicasa Vacation Homes.
00:23:54.319 --> 00:23:57.759
This is a loss for families and groups, and we are sad to see this go.
00:23:58.000 --> 00:24:03.519
Again, we do have an in-depth episode about great uses for venture miles that I will link in the show notes.
00:24:03.680 --> 00:24:10.960
There's a lot of options there, and so overall I like keeping my venture miles alive by holding at least one card in the venture family.
00:24:11.200 --> 00:24:18.880
It also keeps me eligible for Capital One offers, which sometimes have some really strong earning opportunities for online shopping.
00:24:19.119 --> 00:24:31.920
Maybe in the future I'll choose to try to downgrade it to a no annual fee venture one card, but for my own purposes right now, it doesn't take me too much work to use my$300 travel credit each year, now that I can redeem it for activities.
00:24:32.160 --> 00:24:36.559
So it's worth it for me, and I do like some of the bonus perks like Hertz Status 2.
00:24:36.799 --> 00:24:42.960
And I like the option of going to the Capital One Lounge, even if we might have to pay for it, we might do that for a long layover.
00:24:43.200 --> 00:24:55.599
The Venture X can be a particularly good option to pair with a Chase Sapphire Preferred, because you can get the better purchase protections on the Venture X, and then you could use your Sapphire card to book travel and get the better travel protections.
00:24:55.839 --> 00:24:58.559
You'd still need a third option for lounge access, though.