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Capital One • Visa Infinite
$395/yr Annual Fee
Admin: Virginia Surety (Visa Infinite)

Capital One Venture X Rewards Credit Card — Guide to Benefits & Insurance Sheet

Verified fine-print coverage limits for Rental Car Collision Damage Waiver (CDW), Trip Delay & Cancellation, Baggage Delay, Purchase Protection, Extended Warranty, and Cell Phone Insurance.

Rental Car CDW
Primary
Max Coverage: $75,000 (15 days)
Excluded: Israel, Jamaica, Republic of Ireland, Northern Ireland

Primary CDW up to $75,000 (15 days max inside US; 31 days outside US). Note: Unlike Chase Sapphire Reserve, Visa Infinite standard terms exclude Ireland, Northern Ireland, Israel, and Jamaica.

Trip Delay & Cancel
6 hours (or overnight)
Delay Cap: $500/ticket
Cancellation: $2,000/person ($2,000/trip)

6-hour or overnight delay up to $500/ticket (partial payment / award taxes qualify!). Note: Trip Cancellation is capped at $2,000 per person (vs $10,000 on CSR/Amex Plat) and covers fewer perils.

Purchase & Warranty
$10,000/claim
Window: 90 days • Extended Warranty: +1 yr
Return Protection: $300/item (90d)

Complete protection package: Primary CDW + 6-hour Trip Delay + $10,000 Purchase Protection + $300 Return Protection + $800 Cell Phone Protection all on one card!

Cell Phone & Baggage
$800/claim Cell Phone
Deductible: $50 • Up to 2 claims/yr
Baggage Delay: 6h ($300 max)
Lost Luggage: $3,000/person
Head-to-Head Card Benefit Duel
Select any two cards to compare every fine-print insurance clause side-by-side
Popular Matchups:
Capital One • Visa Infinite$395/yr fee
Chase • Visa Infinite$550/yr fee
Fine-Print Verdict: Chase Sapphire Reserve vs. Venture X

Both cards offer Primary Rental Car CDW up to $75,000 and 6-hour Trip Delay ($500/ticket) on one-way & award flights. However, Chase Sapphire Reserve wins on Ireland/Italy rental car coverage (0 excluded countries vs. 4 on Venture X), Higher Trip Cancellation ($10,000 vs. $2,000), and Emergency Medical Evacuation ($100,000 vs. $0), while Capital One Venture X wins by including $800 Cell Phone Protection ($50 deductible vs. $0 on CSR) at a lower $395 annual fee.

Coverage ClauseCapital One Venture X ($395)Sapphire Reserve (CSR) ($550)
Rental Car CDW
PRIMARY
Up to $75,000 • 15 days max
PRIMARY
Up to $75,000 • 31 days max
Excluded Countries
Excludes: Israel, Jamaica, Republic of Ireland, Northern Ireland
Excludes: None (Covers Republic of Ireland, Northern Ireland, Italy, Australia, and New Zealand!)
★ Edge
Trip Delay Trigger
6 hours (or overnight)
Up to $500/ticket
6 hours (or overnight)
Up to $500/ticket
One-Way / Award Taxes
✓ One-Way OK + Partial/Award Taxes OK
✓ One-Way OK + Partial/Award Taxes OK
Trip Cancellation
$2,000/person • $2,000/trip
$10,000/person • $20,000/trip
+ $100,000 Medical Evacuation
★ Edge
Baggage Delay
6h trigger • $100/day × 3d ($300 max)
6h trigger • $100/day × 5d ($500 max)
★ Edge
Purchase Protection
$10,000/claim (90 days)+1yr Warranty
$10,000/claim (120 days)+1yr Warranty
Return Protection
✓ $300/item ($1,000/yr • 90d)
✓ $500/item ($1,000/yr • 90d)
★ Edge
Cell Phone Protection
✓ $800/claim ($50 deductible • 2x/yr)
★ Edge
Not Covered
Showing 55 of 55 cards
Credit CardRental Car CDWTrip Delay TriggerTrip CancellationPurchase ProtectionCell Phone ProtectionBaggage DelayGuide
Sapphire Reserve (CSR)
Chase • Visa Infinite • $550/yr
PRIMARY
$75,000 max • Excl. 1 countries
6 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$10,000/person
$20,000 max/trip
+$100k Evac
$10,000/claim
120 days • +1yr warranty
Not Covered
6h delay
$100/d × 5d ($500)
Full Sheet →
Sapphire Preferred (CSP)
Chase • Visa Signature • $95/yr
PRIMARY
$60,000 max • Excl. 1 countries
12 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$10,000/person
$20,000 max/trip
$500/claim
120 days • +1yr warranty
Not Covered
6h delay
$100/d × 5d ($500)
Full Sheet →
Ritz-Carlton Visa Infinite
Chase • Visa Infinite • $450/yr
PRIMARY
$75,000 max • Worldwide
6 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$10,000/person
$20,000 max/trip
+$100k Evac
$10,000/claim
120 days • +1yr warranty
Not Covered
6h delay
$100/d × 5d ($500)
Full Sheet →
Ink Business Preferred
Chase • Visa • $95/yr
PRIMARY
$60,000 max • Worldwide
12 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$5,000/person
$10,000 max/trip
$10,000/claim
120 days • +1yr warranty
$1,000/claim
$100 deductible • 3x/yr
6h delay
$100/d × 5d ($500)
Full Sheet →
Ink Business Cash
Chase • Visa • $0/yr
PRIMARY
$50,000 max • Worldwide
Not CoveredNot Covered
$10,000/claim
120 days • +1yr warranty
Not CoveredNot CoveredFull Sheet →
Ink Business Unlimited
Chase • Visa • $0/yr
PRIMARY
$50,000 max • Worldwide
Not CoveredNot Covered
$10,000/claim
120 days • +1yr warranty
Not CoveredNot CoveredFull Sheet →
United Club Infinite
Chase • Visa Infinite • $525/yr
PRIMARY
$75,000 max • Worldwide
12 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$10,000/person
$20,000 max/trip
$10,000/claim
120 days • +1yr warranty
Not Covered
6h delay
$100/d × 3d ($300)
Full Sheet →
United Quest
Chase • Visa Signature • $250/yr
PRIMARY
$60,000 max • Worldwide
12 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$1,500/person
$6,000 max/trip
$10,000/claim
120 days • +1yr warranty
Not Covered
6h delay
$100/d × 3d ($300)
Full Sheet →
United Explorer
Chase • Visa Signature • $95/yr
PRIMARY
$60,000 max • Worldwide
12 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$1,500/person
$6,000 max/trip
$10,000/claim
120 days • +1yr warranty
Not Covered
6h delay
$100/d × 3d ($300)
Full Sheet →
World of Hyatt Visa
Chase • Visa Signature • $95/yr
Secondary US / Primary Intl
$50,000 max • Worldwide
12 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$5,000/person
$10,000 max/trip
$500/claim
120 days • +1yr warranty
Not Covered
6h delay
$100/d × 5d ($500)
Full Sheet →
Marriott Boundless
Chase • Visa Signature • $95/yr
Secondary US / Primary Intl
$50,000 max • Worldwide
12 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$5,000/person
$10,000 max/trip
$500/claim
120 days • +1yr warranty
Not Covered
6h delay
$100/d × 5d ($500)
Full Sheet →
Freedom Flex (CFF)
Chase • World Elite Mastercard • $0/yr
Secondary US / Primary Intl
$50,000 max • Worldwide
Not Covered
$1,500/person
$6,000 max/trip
$500/claim
120 days • +1yr warranty
$800/claim
$50 deductible • 2x/yr
Not CoveredFull Sheet →
Freedom Unlimited (CFU)
Chase • Visa Signature • $0/yr
Secondary US / Primary Intl
$50,000 max • Worldwide
Not Covered
$1,500/person
$6,000 max/trip
$500/claim
120 days • +1yr warranty
Not CoveredNot CoveredFull Sheet →
Amex Platinum
American Express • American Express • $695/yr
Secondary US / Primary Intl
$75,000 max • Excl. 3 countries
6 hours
$500/ticket
Round-trip req.
$10,000/person
$20,000 max/trip
+$250k Evac
$10,000/claim
90 days • +1yr warranty
$800/claim
$50 deductible • 2x/yr
Not CoveredFull Sheet →
Amex Business Platinum
American Express • American Express • $695/yr
Secondary US / Primary Intl
$75,000 max • Excl. 3 countries
6 hours
$500/ticket
Round-trip req.
$10,000/person
$20,000 max/trip
+$250k Evac
$10,000/claim
90 days • +1yr warranty
$800/claim
$50 deductible • 2x/yr
Not CoveredFull Sheet →
Amex Gold
American Express • American Express • $325/yr
Secondary US / Primary Intl
$50,000 max • Excl. 3 countries
12 hours
$300/ticket
Round-trip req.
Not Covered
$10,000/claim
90 days • +1yr warranty
Not CoveredNot CoveredFull Sheet →
Amex Green
American Express • American Express • $150/yr
Secondary US / Primary Intl
$50,000 max • Excl. 3 countries
12 hours
$300/ticket
Round-trip req.
Not Covered
$1,000/claim
90 days • +1yr warranty
Not CoveredNot CoveredFull Sheet →
Marriott Bonvoy Brilliant
American Express • American Express • $650/yr
Secondary US / Primary Intl
$75,000 max • Excl. 3 countries
6 hours
$500/ticket
Round-trip req.
$10,000/person
$20,000 max/trip
$10,000/claim
90 days • +1yr warranty
$800/claim
$50 deductible • 2x/yr
Not CoveredFull Sheet →
Hilton Aspire Amex
American Express • American Express • $550/yr
Secondary US / Primary Intl
$75,000 max • Excl. 3 countries
6 hours
$500/ticket
Round-trip req.
$10,000/person
$20,000 max/trip
$10,000/claim
90 days • +1yr warranty
$800/claim
$50 deductible • 2x/yr
Not CoveredFull Sheet →
Delta SkyMiles Reserve
American Express • American Express • $650/yr
Secondary US / Primary Intl
$75,000 max • Excl. 3 countries
6 hours
$500/ticket
Round-trip req.
$10,000/person
$20,000 max/trip
$10,000/claim
90 days • +1yr warranty
$800/claim
$50 deductible • 2x/yr
Not CoveredFull Sheet →
Delta SkyMiles Platinum
American Express • American Express • $350/yr
Secondary US / Primary Intl
$50,000 max • Excl. 3 countries
12 hours
$300/ticket
Round-trip req.
Not Covered
$1,000/claim
90 days • +1yr warranty
$800/claim
$50 deductible • 2x/yr
Not CoveredFull Sheet →
Amex Blue Cash Preferred
American Express • American Express • $95/yr
Secondary US / Primary Intl
$50,000 max • Excl. 3 countries
Not CoveredNot Covered
$1,000/claim
90 days • +1yr warranty
Not CoveredNot CoveredFull Sheet →
Amex Blue Business Plus (BBP)
American Express • American Express • $0/yr
Secondary US / Primary Intl
$50,000 max • Excl. 3 countries
Not CoveredNot Covered
$1,000/claim
90 days • +1yr warranty
Not CoveredNot CoveredFull Sheet →
Capital One Venture X
Capital One • Visa Infinite • $395/yr
PRIMARY
$75,000 max • Excl. 4 countries
6 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$2,000/person
$2,000 max/trip
$10,000/claim
90 days • +1yr warranty
$800/claim
$50 deductible • 2x/yr
6h delay
$100/d × 3d ($300)
Full Sheet →
Venture X Business
Capital One • World Elite Mastercard • $395/yr
PRIMARY
$75,000 max • Excl. 4 countries
6 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$2,000/person
$2,000 max/trip
$10,000/claim
90 days • +1yr warranty
$800/claim
$50 deductible • 2x/yr
6h delay
$100/d × 3d ($300)
Full Sheet →
Capital One Venture ($95)
Capital One • World Elite Mastercard • $95/yr
Secondary US / Primary Intl
$50,000 max • Excl. 4 countries
Not Covered
$1,500/person
$5,000 max/trip
$1,000/claim
90 days • +1yr warranty
$800/claim
$50 deductible • 2x/yr
Not CoveredFull Sheet →
Capital One Savor
Capital One • World Elite Mastercard • $0/yr
Secondary US / Primary Intl
$50,000 max • Excl. 4 countries
Not CoveredNot Covered
$1,000/claim
90 days • +1yr warranty
Not CoveredNot CoveredFull Sheet →
Bilt Mastercard ($0 AF)
Bilt / Wells Fargo • World Elite Mastercard • $0/yr
PRIMARY
$50,000 max • Excl. 4 countries
6 hours
$1,800/ticket
One-way OK
$5,000/person
$10,000 max/trip
$1,000/claim
90 days
$800/claim
$25 deductible • 2x/yr
Not CoveredFull Sheet →
WF Autograph Journey
Wells Fargo • Visa Signature • $95/yr
Secondary US / Primary Intl
$50,000 max • Excl. 4 countries
Not Covered
$15,000/person
$15,000 max/trip
$1,000/claim
90 days
$1,000/claim
$25 deductible • 2x/yr
Not CoveredFull Sheet →
Wells Fargo Autograph ($0)
Wells Fargo • Visa Signature • $0/yr
Secondary US / Primary Intl
$50,000 max • Excl. 4 countries
Not CoveredNot CoveredNot Covered
$600/claim
$25 deductible • 2x/yr
Not CoveredFull Sheet →
Wells Fargo Active Cash ($0)
Wells Fargo • Visa Signature • $0/yr
Secondary US / Primary Intl
$50,000 max • Excl. 4 countries
Not CoveredNot CoveredNot Covered
$600/claim
$25 deductible • 2x/yr
Not CoveredFull Sheet →
BoA Premium Rewards Elite
Bank of America • Visa Infinite • $550/yr
PRIMARY
$75,000 max • Excl. 4 countries
6 hours
$500/ticket
One-way OK • Award taxes OK
$5,000/person
$10,000 max/trip
+$100k Evac
$10,000/claim
90 days • +1yr warranty
Not Covered
6h delay
$100/d × 5d ($500)
Full Sheet →
BoA Premium Rewards ($95)
Bank of America • Visa Signature • $95/yr
Secondary US / Primary Intl
$50,000 max • Excl. 4 countries
12 hours
$500/ticket
One-way OK • Award taxes OK
$2,500/person
$5,000 max/trip
$10,000/claim
90 days • +1yr warranty
Not Covered
6h delay
$100/d × 5d ($500)
Full Sheet →
US Bank Altitude Reserve
U.S. Bank • Visa Infinite • $400/yr
PRIMARY
$75,000 max • Excl. 4 countries
6 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$2,000/person
$2,000 max/trip
$10,000/claim
90 days • +1yr warranty
Not Covered
6h delay
$100/d × 3d ($300)
Full Sheet →
US Bank Altitude Connect ($0)
U.S. Bank • Visa Signature • $0/yr
Secondary US / Primary Intl
$50,000 max • Excl. 4 countries
12 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$2,000/person
$2,000 max/trip
$1,000/claim
90 days • +1yr warranty
$600/claim
$25 deductible • 2x/yr
Not CoveredFull Sheet →
Citi Strata Premier
Citi • World Elite Mastercard • $95/yr
Secondary US / Primary Intl
$75,000 max • Worldwide
6 hours
$500/ticket
Round-trip req.
$5,000/person
$10,000 max/trip
$10,000/claim
90 days • +2yr warranty
Not CoveredNot CoveredFull Sheet →
Citi AAdvantage Executive
Citi • World Elite Mastercard • $595/yr
Secondary US / Primary Intl
$75,000 max • Worldwide
6 hours
$500/ticket
Round-trip req.
$5,000/person
$10,000 max/trip
$10,000/claim
90 days • +2yr warranty
Not CoveredNot CoveredFull Sheet →
Costco Anywhere Visa
Citi • Visa • $0/yr
Secondary US / Primary Intl
$50,000 max • Worldwide
Not CoveredNot Covered
$1,000/claim
120 days
Not CoveredNot CoveredFull Sheet →
Citi Double Cash ($0)
Citi • World Elite Mastercard • $0/yr
Not CoveredNot CoveredNot CoveredNot CoveredNot CoveredNot CoveredFull Sheet →
Chase Aeroplan ($95)
Chase • World Elite Mastercard • $95/yr
PRIMARY
$60,000 max • Worldwide
12 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$1,500/person
$6,000 max/trip
$10,000/claim
120 days • +1yr warranty
Not Covered
6h delay
$100/d × 3d ($300)
Full Sheet →
Southwest Priority ($149)
Chase • Visa Signature • $149/yr
Secondary US / Primary Intl
$50,000 max • Worldwide
Not CoveredNot Covered
$500/claim
120 days • +1yr warranty
Not Covered
6h delay
$100/d × 3d ($300)
Full Sheet →
IHG One Rewards Premier
Chase • World Elite Mastercard • $99/yr
Secondary US / Primary Intl
$50,000 max • Worldwide
12 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$5,000/person
$10,000 max/trip
$10,000/claim
120 days • +1yr warranty
$800/claim
$50 deductible • 2x/yr
6h delay
$100/d × 5d ($500)
Full Sheet →
British Airways Visa ($95)
Chase • Visa Signature • $95/yr
Secondary US / Primary Intl
$50,000 max • Worldwide
Not CoveredNot Covered
$500/claim
120 days • +1yr warranty
Not Covered
6h delay
$100/d × 3d ($300)
Full Sheet →
Amex Business Gold ($375)
American Express • American Express • $375/yr
Secondary US / Primary Intl
$50,000 max • Excl. 3 countries
12 hours
$300/ticket
Round-trip req.
Not Covered
$1,000/claim
90 days • +1yr warranty
$800/claim
$50 deductible • 2x/yr
Not CoveredFull Sheet →
Hilton Surpass Amex ($150)
American Express • American Express • $150/yr
Secondary US / Primary Intl
$50,000 max • Excl. 3 countries
Not CoveredNot Covered
$1,000/claim
90 days • +1yr warranty
Not CoveredNot CoveredFull Sheet →
Delta SkyMiles Gold ($150)
American Express • American Express • $150/yr
Secondary US / Primary Intl
$50,000 max • Excl. 3 countries
Not CoveredNot Covered
$1,000/claim
90 days • +1yr warranty
Not CoveredNot CoveredFull Sheet →
Alaska Airlines Visa ($95)
Bank of America • Visa Signature • $95/yr
Secondary US / Primary Intl
$50,000 max • Excl. 4 countries
Not CoveredNot CoveredNot CoveredNot CoveredNot CoveredFull Sheet →
United Business ($99)
Chase • Visa • $99/yr
PRIMARY
$50,000 max • Worldwide
12 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$1,500/person
$6,000 max/trip
$10,000/claim
120 days • +1yr warranty
Not Covered
6h delay
$100/d × 3d ($300)
Full Sheet →
World of Hyatt Business ($199)
Chase • Visa • $199/yr
PRIMARY
$50,000 max • Worldwide
12 hours (or overnight)
$500/ticket
One-way OK • Award taxes OK
$5,000/person
$10,000 max/trip
$10,000/claim
120 days • +1yr warranty
Not CoveredNot CoveredFull Sheet →
Capital One Spark Miles ($95)
Capital One • Visa • $95/yr
PRIMARY
$50,000 max • Excl. 4 countries
Not CoveredNot Covered
$10,000/claim
90 days • +1yr warranty
Not CoveredNot CoveredFull Sheet →
Amex Centurion (Black Card)
American Express • American Express • $5000/yr
PRIMARY
$75,000 max • Excl. 3 countries
6 hours
$500/ticket
Round-trip req.
$10,000/person
$20,000 max/trip
+$250k Evac
$10,000/claim
90 days • +1yr warranty
$800/claim
$50 deductible • 2x/yr
6h delay
$500/d × 1d ($500)
Full Sheet →
Marriott Bonvoy Bevy ($250)
American Express • American Express • $250/yr
Secondary US / Primary Intl
$50,000 max • Excl. 3 countries
12 hours
$300/ticket
Round-trip req.
Not Covered
$1,000/claim
90 days • +1yr warranty
Not CoveredNot CoveredFull Sheet →
Southwest Performance Business ($199)
Chase • Visa • $199/yr
PRIMARY
$50,000 max • Worldwide
Not CoveredNot Covered
$10,000/claim
120 days • +1yr warranty
Not Covered
6h delay
$100/d × 3d ($300)
Full Sheet →
Citi Custom Cash ($0)
Citi • World Elite Mastercard • $0/yr
Not CoveredNot CoveredNot CoveredNot CoveredNot CoveredNot CoveredFull Sheet →
Delta Platinum Business ($350)
American Express • American Express • $350/yr
Secondary US / Primary Intl
$50,000 max • Excl. 3 countries
12 hours
$300/ticket
Round-trip req.
Not Covered
$1,000/claim
90 days • +1yr warranty
$800/claim
$50 deductible • 2x/yr
Not CoveredFull Sheet →
Frequently Asked Questions: Capital One Venture X Rewards Credit Card

Does the Capital One Venture X Rewards Credit Card have Primary Rental Car Insurance (CDW)?

Capital One Venture X Rewards Credit Card offers Primary Auto Rental Collision Damage Waiver up to $75,000 for rentals up to 15 days. Primary CDW up to $75,000 (15 days max inside US; 31 days outside US). Note: Unlike Chase Sapphire Reserve, Visa Infinite standard terms exclude Ireland, Northern Ireland, Israel, and Jamaica.

What is the Trip Delay and Cancellation coverage on the Capital One Venture X?

Trip Delay reimbursement triggers after 6 hours (or overnight), paying up to $500 per ticket for meals and lodging. Trip Cancellation & Interruption covers up to $2,000 per person ($2,000 per trip). 6-hour or overnight delay up to $500/ticket (partial payment / award taxes qualify!). Note: Trip Cancellation is capped at $2,000 per person (vs $10,000 on CSR/Amex Plat) and covers fewer perils.

Does the Capital One Venture X cover Cell Phone Protection and Purchase Protection?

Purchase Protection covers new items for 90 days up to $10,000 per claim ($50,000/year). Extended Warranty adds +1 year(s) to eligible warranties. Cell Phone Protection covers up to $800 per claim with a $50 deductible (2 claims/year) when you pay your monthly wireless bill with the card.

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