Rental car insuranceWhen you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.Carried by 186 of 581 cards in the catalog
Capital One
Venture X
$395 a yearEverything this card owes you
3statement credits
$430at face value, a year
16protections included
5spend categories that earn extra
0 of those 3 credits pay nothing until they are activated.
Capital One Travel credit$300
Anniversary bonus miles$100
Global Entry / TSA PreCheck credit$30
What the number is made of
Your card carries $430 in credits.
Not points and not a valuation. Statement credits with real dollar amounts, attached to real things — a hotel night, a dinner, a membership, a flight you were taking anyway.
The card year
Every credit, on its own clock
The fee is the debit and every credit pays it back — but only inside the window it is live. Mark what you would really use and watch both the calendar and the balance change.
Selections start at “Never.” “Sometimes” counts a credit at 50% of its annual value; “I'd use this” counts it in full. Several of these credits have to be switched on in the issuer's app before they pay anything — that's the “needs activation” tag below.
CreditJFMAMJJASONDWould you use it?
Capital One Travel credit$300face value$0you get backresets card anniversaryshared
Anniversary bonus miles$100face value$0you get backresets card anniversaryshared
Global Entry / TSA PreCheck credit$30face value$0you get backresets once a yearshared
You get back$0Nothing selected yet — mark the credits you would use above.
Annual fee$395Charged in full, every year, whether you collect or not.
Your effective annual fee$395What the card really costs you once your credits are counted.
Window you would useWindow you would notCard anniversary, not the calendar
Activation
Benefits require activation. We make it easy to enroll in each perk.
Most premium card credits don't start paying automatically. Turn one on in the issuer's app before you count on it.
$0Mark the credits you would use above and this shows what has to be switched on before it pays.Get started — track your activations
What you're covered for
The protections, and how rare they are
These carry no honest dollar value, so they stay out of the ledger above. What they have instead is scarcity: most cards don't carry them.
7 protections included on this card
Rental car insuranceWhen you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.Carried by 186 of 581 cards in the catalog
Cell phone protectionProtect your cell phone every time you pay your bill with your Venture X card. If it’s stolen or damaged, you’ll get reimbursed up to $800.Carried by 57 of 581 cards in the catalog
Extended warrantyWhen you use your covered Visa card for your eligible purchases Extended Warranty Protection will extend the term of your eligible manufacturer’s U.S. warranty by 1 additional year on eligible warranties of 3 years or less; for a manufacturer’s warranty of 3 months, the term is extended an additional 12 months for a combined total of 15 months of coverage; for warranties of one year or more an additional year of coverage is provided.Carried by 178 of 581 cards in the catalog
Travel & emergency assistanceWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center, 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad. Keep in mind this program provides assistance only. Cardholders are responsible for the cost of any services received.Carried by 342 of 581 cards in the catalog
Return protectionWhen you use your covered Visa card to make an eligible purchase, you can get return protection if you are dissatisfied with your item within 90 days of purchase and the merchant will not accept the return.Carried by 42 of 581 cards in the catalogWhat you get in
Access and status
9 access and status perks on this card
Airport lounge accessLounge network access (not a statement credit).Carried by 47 of 581 cards in the catalog
Hertz President’s Circle® statusSkip the rental counter and enjoy the widest selection of cars with a complimentary upgrade.Not tracked across the catalog yetBefore the card arrives
Track this one from day one
Seven to ten days pass between applying and the card landing. The wallet is built before it arrives — every credit, every reset date, and the 0 activation steps that decide whether the first month pays anything.
Build my wallet
We'll hold the answers you gave above.
Where these figures come from
Verified, drafted, and dated
All 3 credit values on this page reconcile to the published catalog total of $430. Reset cadence, activation requirements, and shared-versus-per-user status come from the same catalog, not a separate estimate.