As of today, Capital One made two processor changes on its cards.

The Capital One Venture Rewards Credit Card switched from a Visa to a Mastercard. 

The Capital One Venture X Business credit card switched from a Mastercard to a Visa.

The Capital One website doesn’t mention which cards are issued by which issuer, so you wouldn’t know this very easily.

I do not know if or when existing cardholders will be changed over. I’ve reached out to Capital One for comment.

Now why do I really care about this?

Well, the Venture X Business card is one of the very few cards left that still have access to Priority Pass dining – a feature that not everyone cares about, but some people REALLY care about.

Recall that the Venture X lost access in 2023 and the Chase Sapphire Reserve lost Priority Pass dining access last month

I then listed out which credit cards still have Priority Pass dining.

First on the list was the Venture X Business.

However, I also noted the very clear pattern…. cards on the Visa network were the ones losing dining access.

Cards on the Mastercard network have not seemed to, possibly owing to a difference in the cost or agreements between the World Elite Mastercard and the Visa Infinite (although I do not know for sure – I’m simply following a pattern).

I reached out to Capital One about this as well at 1pm ET and hoped to hear back before EOD, but I have not.

And the reason I’m posting this now is that if you were thinking about applying for the Venture X Business card with this benefit as your primary reason, I might wait until we get clarification from Capital One about this benefit. I would feel awful if someone applied for that reason and unbeknownst to us it’s already on the chopping block.

I did go through the detective work of comparing the language on the Capital One website about the Priority Pass benefit from a few days ago and today and there is no change in wording. However, the wording already did not make any reference to anything other than lounges so I can’t glean anything from that. 

Hopefully, this will turn out to be much ado about nothing.

I will update this as soon as I know more or if anything becomes public.


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