
Capital One Rent a Car is a great option for travelers who want to save money and earn rewards. With their partnership with various car rental companies, you can earn miles or points on your rental.
One of the best benefits of using Capital One Rent a Car is that you can earn miles or points on your rental, which can be redeemed for travel or other rewards. This can be a great way to offset the cost of your rental.
To maximize your benefits, make sure to book your rental through the Capital One website or mobile app. This will ensure that you earn miles or points on your rental.
You can earn up to 50% more miles or points on your rental by booking through the Capital One website or mobile app.
Insurance and Coverage
If you're renting a car with a Capital One credit card, you're in luck because they offer complimentary insurance. This insurance covers physical damage to the car, theft of the rental vehicle, valid loss-of-use charges, and reasonable towing charges.
The insurance only applies to the rental car, not other vehicles, so if you're in an at-fault accident, you won't have coverage for damage to other cars or medical payments.
To be eligible for this insurance, you'll need to decline the collision damage waiver (CDW) insurance offered by the rental car company and pay for the entire rental with your Capital One card.
Here's a breakdown of the types of cards that offer rental car insurance:
The Capital One Venture X rental car insurance specifically excludes liability coverage of any kind and doesn't cover trips longer than 15 days in your country of residence or 31 days abroad.
It's essential to review your card's Guide to Benefits for coverage details and understand the terms and conditions of the insurance.
Upgrading and Benefits
You can upgrade your rental car to a higher class for a fee, which can range from $20 to $100 per day, depending on the type of vehicle and availability. This option is ideal for those who want more comfort and amenities during their trip.
Upgrading to a higher class car can also earn you more rewards points, which can be redeemed for travel credits, gift cards, or other perks. For example, if you rent a luxury car for 3 days, you can earn 3 times the rewards points compared to renting a standard car.
By upgrading your rental car, you can enjoy a more comfortable and enjoyable driving experience, which can make a big difference on a long road trip.
How Rewards Work
So you're considering the Capital One Venture X Rewards Credit Card, and you're wondering how the rewards work. To get the rental car insurance benefit, you need to use the card for your rental transaction and decline the car rental company's collision damage waiver option.
The card's car rental insurance is only available for rentals booked using certain rates, and not all rates include this insurance. If you book a rate that already includes collision damage waiver insurance, you won't be covered by the card's insurance.

Here are some things that aren't covered by the card's rental car insurance:
- Personal liability.
- Loss or theft of personal belongings.
- Bodily injuries of any kind to anyone.
- Damage to anything other than the rental vehicle.
- Wear and tear or mechanical breakdowns.
Keep in mind that the card's rental car insurance covers rental periods of 15 or fewer consecutive days within your country of residence, and up to 31 consecutive days for rentals outside your country of residence.
How to Upgrade Gold Plus Status
To upgrade your Gold Plus status, you'll need to enroll through Capital One. This is because enrolling directly through Hertz.com won't automatically detect your eligibility for the program.
You can sign in to your Capital One account online or through the Capital One Mobile app to start the process. This will allow you to access your rewards and benefits, including the Hertz Gold Plus Rewards program.
To get started, select the Explore rewards and benefits tile and choose your Venture X or Venture account. From there, select the Benefits tab in the navigation bar.
Click on the Hertz tile to access the program's enrollment form. If you're an existing member, you can request an upgrade to match your Venture X or Venture cardholder status.

If you're new to the Hertz Gold Plus Rewards loyalty program, you'll need to fill out the enrollment form. Once you've submitted your request, you'll receive your upgraded status in 24-72 hours.
Here's a step-by-step guide to upgrading your Gold Plus status:
- Sign in to your Capital One account online or through the Capital One Mobile app.
- Select the Explore rewards and benefits tile and choose your Venture X or Venture account.
- Select the Benefits tab in the navigation bar.
- Click on the Hertz tile.
- Request an upgrade to match your Venture X or Venture cardholder status (if you're an existing member) or fill out the enrollment form (if you're new to the program).
- Submit your request.
- Wait for your upgraded status to be processed, which should take 24-72 hours.
X Benefits
The Capital One Venture X card offers a range of benefits that can enhance your travel experience. One of the key perks is the complimentary car rental privileges you'll enjoy.
With the Capital One Venture X card, you can skip the rental counter and choose from the widest selection of cars.
How to File a Claim with X
If you need to file a claim with the Capital One Venture X rental car coverage, you'll want to act quickly. You have 45 days from the date of the incident to report the theft or damage.
To start the process, call the Benefit Administrator at 1-800-825-4062 (or collect to 1-804-965-8071 outside the US) to report the incident. You'll need to provide documentation, which includes a copy of the accident report form, a copy of the initial and final auto rental agreement, and a copy of the repair estimate and itemized repair bill.
You'll also need to submit two photographs of the damaged vehicle, if available, a police report (if obtainable), and a copy of the demand letter that indicates the cost you're responsible for. These documents must be submitted within 90 days of the theft or damage date.
Additional documents needed include a copy of your monthly billing statement, showing the last four digits of your account number, and any other documentation required by the Benefit Administrator to substantiate the claim.
Here's a list of the required documents:
- Copy of the accident report form
- Copy of the initial and final auto rental agreement
- Copy of the repair estimate and itemized repair bill
- Two photographs of the damaged vehicle (if available)
- Police report (if obtainable)
- Copy of the demand letter that indicates the cost you're responsible for
- Copy of your monthly billing statement (showing the last four digits of your account number)
Your claim will typically be finalized within 15 days of the Benefit Administrator receiving all the necessary documents.
X Recapped
The Capital One Venture X's rental car coverage policy is quite comprehensive, and it's great to see that it offers primary coverage for your vehicle, which means it will handle your claim without affecting any personal policies you may hold. This is a big plus for travelers who rent cars frequently.
One of the key benefits of the Capital One Venture X card is the complimentary car rental privileges you'll enjoy. Specifically, it offers privileges with Hertz, which means you can skip the rental counter and choose from the widest selection of cars.
The coverage does not include liability coverage of any kind or cover trips longer than 15 days in your country of residence or 31 days abroad. This is something to keep in mind when planning your trip.
If you do need to file a claim, the process is relatively straightforward. You'll need to call the Benefit Administrator at 1-800-825-4062 to report the incident, and then submit a claim within 90 days of the theft or damage date.
Here's a breakdown of the documents you'll need to submit:
- Copy of the accident report form
- Copy of the initial and final auto rental agreement
- Copy of the repair estimate and itemized repair bill
- Two photographs of the damaged vehicle (if available)
- Police report (if obtainable)
- Copy of the demand letter that indicates the cost you're responsible for
- Copy of your monthly billing statement (showing the last four digits of your account number)
- Any other documentation required by the Benefit Administrator
Your claim will typically be finalized within 15 days of the Benefit Administrator receiving all the necessary documents.
Frequently Asked Questions
Can I rent a car with Capital One credit card?
Yes, you can rent a car using Capital One credit cards, including Venture X, Venture, and VentureOne, for payment. Book through Capital One Travel to combine with flight and hotel reservations.
What is the minimum credit score to rent a car?
Most rental agencies prefer customers with a credit score of 650 or higher. If your score is lower, you may still be able to rent a car, but be prepared for potential restrictions or higher fees
Does Capital One Quicksilver have rental car coverage?
Capital One Quicksilver cardholders have rental car insurance as secondary coverage, which can be used in the U.S. and many foreign countries
Sources
- https://www.nerdwallet.com/article/travel/capital-one-rental-car-insurance
- https://www.capitalone.com/learn-grow/more-than-money/elevate-your-travel-with-hertz-and-capital-one/
- https://upgradedpoints.com/credit-cards/reviews/capital-one-venture-x/car-rental-insurance-benefits/
- https://www.nerdwallet.com/article/travel/capital-one-venture-x-car-rental-insurance
- https://onemileatatime.com/guides/capital-one-venture-x-rental-car-coverage/
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