Capital One Venture X Rental Car Coverage: Actual Cash Value of vehicle (original MSRP up to $75,000) Primary CDW

The Venture X offers some of the best rental car protection in the industry because it is Primary coverage. If you wreck your rental, Capital One pays first, meaning you don't have to notify your personal auto insurer or risk your monthly premiums going up.
To use this benefit, you must do two things: pay for the full rental with your Venture X and decline the rental agency’s CDW/LDW coverage at the counter. If you sign for their insurance, yours is void.
However, it isn’t a 'blank check.' The coverage only protects the car itself (collision and theft). It does not include liability (damage to other cars/people), which you likely still need from your own policy or the rental desk. Also, watch the calendar: coverage drops off after 15 consecutive days in the U.S. and 31 days abroad. Finally, if you're headed to Ireland, Northern Ireland, Israel, or Jamaica, this benefit is non-existent—you'll need to buy a separate policy or use the rental company's expensive daily rate.