The Capital One Venture X Rewards Credit Card has recently been in the spotlight due to significant changes starting in 2026 that could affect its appeal among users. When this travel card was launched in 2021, it quickly gained traction for its attractive lounge access policies, which allowed both primary cardholders and authorized users to enjoy complimentary airport lounge access. However, as we look toward February 1, 2026, many of those beloved advantages are set to change.
One of the most notable alterations is that authorized users will no longer have complimentary access to airport lounges. This presents a considerable shift for a card that initially boasted its ability to share lounge benefits among authorized users, making it a favorite choice for those who travel with family or in groups. Along with this, cardholders will also lose complimentary access for guests visiting lounges within the Priority Pass network. Interestingly, this update will not impact Capital One Venture X Business cardholders, who will continue to enjoy the privilege of bringing guests to lounges.
In a statement addressing the upcoming changes, Capital One acknowledged that the rising popularity of airport lounges has led to increased wait times for entry. This shift resembles recent adjustments by American Express, which has also curtailed lounge access to manage capacity better.
For travelers who routinely bring companions, the loss of complimentary guest access will have significant ramifications. The changes will require users to either incur additional costs or meet a substantial spending threshold to maintain the benefits they enjoyed before. Specifically, to regain the ability to bring guests for free to Capital One Lounges, cardholders will need to spend at least $75,000 annually on their card. Furthermore, access to Capital One Landings, which are dining establishments rather than traditional lounges, will only allow one guest under the new policy.
If you’re an authorized user currently on a Capital One Venture X Rewards account, it’s essential to note that they will no longer enjoy complimentary lounge access. Instead, they will need to pay an annual fee of $125 to maintain access to lounges. This cost could add up quickly, particularly for families or groups of friends who previously enjoyed complimentary access together.
Those holding the Capital One Venture X Business card will also face similar restrictions regarding guest access, although they will retain the ability to bring two guests to Priority Pass lounges without restrictions. However, the spending requirement remains, triggering recognition that the value proposition of the card has diminished for those who often travel with others.
For those who are willing to pay for additional guests, Capital One has lowered the fee for minors at their lounges. Children aged 17 and under will be charged a reduced rate of $25, while entry for those under 2 years old will remain free. Additional adults will still be charged the standard fee of $90.
As we explore whether the Capital One Venture X Rewards Credit Card still holds its worth amid these changes, it is essential to consider the entire value offered. The card will continue to carry an annual fee of $395, which includes a $300 travel credit usable through Capital One’s travel portal. Additionally, cardholders receive 10,000 bonus miles on their account anniversaries, plus 2 miles on every purchase, which is appealing for those who prefer a single card without the hassle of strategizing which card to use for different transactions.
However, it is worth considering that Capital One’s lounge availability still lags behind those of competitors like American Express or Chase, which provide broader access to a variety of lounges in partnership with major airlines. This discrepancy raises concerns, especially if lounge access is a significant factor in your travel experience.
With high annual fees and specific perks, potential applicants must weigh whether the reduced lounge access benefits justify the cost. The lack of robust partnerships with airlines for expanded lounge access adds to the dilemma for family travelers, who will find the changes particularly challenging.
Should you be considering alternatives to the Capital One Venture X, the Chase Sapphire Reserve emerges as a leading contender. Not only does it have its own lounge network, but cardholders are permitted to bring two guests for free into priority lounges, further enhancing the overall value proposition compared to Capital One’s offerings. While the Chase Sapphire Reserve carries a steep annual fee of $550, it also comes with advantageous perks such as earning 3 points for every dollar spent on travel and dining purchases, plus a $300 credit for travel purchases without being restricted to a specific booking portal.
As travel and credit options continue to evolve, it’s essential to make informed decisions based on your travel habits, vacation style, and preferred rewards structure. Given the upcoming changes related to the Capital One Venture X Rewards Credit Card, this is a time for reflection on whether it continues to meet your travel needs or if it may be time to explore other options that could potentially offer better value, particularly if lounge access is a priority for your travels.
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