Capital One Venture X Card: Get 75K Miles, Lounge Access & More

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Get 75K Miles, Lounge Access & More with the Capital One Venture X Card

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Most flyers dabbling in travel credit cards wind up facing a choice: Spring for a premium travel card to unlock benefits like airport lounge access and money-saving travel credits that costs a small fortune in annual fees? Or stick with something cheaper without the extra perks?

The Capital One Venture X Rewards Credit Card splits the difference. Many months after launching amid a huge buzz, Capital One's premium travel card remains one of our favorite travel cards on the market for frequent flyers – if not the top option, period.

It starts with a solid and easy-to-earn bonus of 75,000 Venture miles after spending $4,000 in the first three months – miles you can easily use to cover the cost of cheap flights or send on to an excellent array of Capital One transfer partners. But then Capital One ups the ante with top-notch travel perks like lounge access, a $300 annual travel credit available through the Capital One travel portal, annual bonus miles, unbeatable travel insurance coverage, and more.

Other premier travel cards have annual fees that clock in at $550 to $695 or more. But the Capital One Venture X costs travelers just $395 a year, with an easier path to recoup that cost (and then some) than you'll find on any other top-dollar credit card. Along with all the benefits, we think that makes this card a strong contender for many flyers who are looking to level up their travels in 2022 and beyond.

Keep reading for our full review of the Venture X Card.

Capital One Venture X Rewards credit card


Click Here to learn more about the Capital One Venture X Rewards Credit Card
Read on for a full breakdown of the Venture X card and its benefits.


Capital One Venture X Benefits Overview

The Venture X is the bank's first foray into premium travel cards with heavy travel benefits like lounge access, annual travel credits, and more, competing against the likes of the Chase Sapphire Reserve® and the Platinum Card® from American Express.

But compared to those competitors that cost as much as $695 a year (see rates & fees), the annual fee is incredibly reasonable: Just $395 per year. And considering you get $300 in travel credits each year among other perks, the actual cost for holding this card is much lower.

Read our breakdown of the Capital One Venture X annual fee – and why you shouldn't be scared off by it.

Here's a full look at the Venture X Card.

  • Welcome Bonus: Earn 75,000 Venture Miles after spending $4,000 in the first three months. Factor in that spending requirement, and you'll have at least 83,000 Venture Miles, since the card earn 2x miles on every dollar you spend.
  • Travel Statement Credits: Every year, you get a $300 annual travel credit to use on any flights, hotels, or rental cars booked through the Capital One travel portal.
  • Lounge Access: Free access to 1,300-plus lounges in the Priority Pass network and Capital One's brand new lounge in Dallas-Fort Worth (DFW), plus upcoming locations in Denver (DEN) and Washington, D.C.-Dulles (IAD). Get two free guests, too.
  • Global Entry or TSA PreCheck: Up to $100 in statement credits to sign up for either TSA PreCheck or Global Entry. This credit is good once every four years, and membership in both programs lasts five years.
  • Earning More Points: Capital One Venture X cardholders will earn 10x miles on hotels and rental cars and 5x miles on flights booked via the Capital One Travel portal, then an unlimited 2x miles on every dollar spent on all other purchases with the card.
  • 10,000 bonus miles: Every year starting in year two, you'll get 10,000 bonus miles after renewing your Venture X Card.
  • Great Travel & Rental Car Insurance: By paying for your travels with a Venture X, you'll get unbeatable primary rental car coverage, trip cancellation insurance, trip delay coverage, and reimbursement if your baggage gets lost or stolen.



Full Benefits of the Venture X Card

Earn 75K Venture Miles

After launching with a major splash late last fall, Capital One eventually pulled the 100,000-mile bonus on the Capital One Venture X Rewards Credit Card after spending $10,000 within the first six months – and a onetime, $200 credit for Airbnb or VRBO is gone, too. It's unlikely we'll ever see such a lucrative offer on this card again.

But it's not all bad news. Capital One relaunched the Venture X with a new welcome bonus offer … and while it's certainly smaller, it's still a hefty chunk of miles with a much-more palatable spending requirement. You'll now earn 75,000 Venture Miles after spending just $4,000 in the first three months. 

Seeing as Capital One Venture Miles are worth at least 1 cent apiece toward travel – and potentially much more when using Capital One transfer partners – that bonus alone is worth at least $750. And considering you earn at least 2x Venture Miles on every buck you spend, you'll actually get at least 83,000 miles in the end.

$300 A Year Toward Travel

Each year of card membership, Venture X cardholders will get up to a $300 travel credit to use for Capital One Travel bookings.

Just use your card to book flights, hotels, rental cars, and more through the new and improved Capital One Travel portal and you'll automatically get reimbursed on all purchases up to $300.

Think of it this way: Do you plan to spend $300 or more on travel each year? Then this card's annual fee isn't $395 – it's more like $95. That automatically makes this card a brilliant alternative to the popular Capital One Venture Card.

Not to mention, you'll earn also 10x Venture miles on hotels and rental cars – or 5x miles on flights – booked via Capital One Travel. And that's true even when you're putting that $300 credit to use. Other cards with these credits like the Chase Sapphire Reserve may make them easier to use by automatically applying to almost any travel purchase, but you typically don't earn the bonus miles until you've exhausted that credit.

Capital One's new Hopper-powered platform officially rolled out earlier this fall. While we typically steer clear of third-party sites and online travel agencies, Capital One has added some potent features to this new portal that could turn that logic on its head.

Read more: Capital One Venture X $300 Travel Credit: Everything You Need to Know


Capital One Lounge & Priority Pass Lounge Access

This is a big one.

Capital One Venture X cardholders will get complimentary access to the new Capital One Lounges, the first of which officially opened its doors in Dallas-Fort Worth (DFW) last year – and more are on the way next year in Denver (DEN) and Washington, D.C-Dulles (IAD). It's the only credit card that provides complimentary access to the Capital One lounges. And it's Capital One's first card that offers lounge access, period.

capital one dfw lounge 

Check out our review of the Capital One Dallas lounge!

You'll also get a full Priority Pass membership, which will get you into 1,300-plus airport lounges around the globe. While most of these contract lounges may not be as nice as the new Capital One space, they have such a massive footprint that makes it much easier to get into a lounge no matter where you're flying. Plus, membership through the Venture X will also get you comped meals at Priority Pass restaurants – a benefit that other cards like Amex have cut.

Finally, in June 2022, Capital One also added access to Plaza Premium Lounges, opening the doors to dozens more lounges abroad and at home. The Plaza Premium name also includes Virgin Atlantic Clubhouse lounges in four U.S. airports like New York City (JFK) and Washington, D.C.-Dulles (IAD); several lounges at the Cancún (CUN) airport; and Avianca lounges throughout Colombia. Here’s the full list of new lounges.

There's one more advantage: Venture X cardholders can add up to four authorized users onto their card account at no additional cost. And each authorized user will receive their own lounge membership allowing them to bring in up to two guests with them on each visit as well.

With other top travel cards, adding authorized users to give them their own lounge access and other benefits costs $75 to $175 a year. Not so here.

Read more on how to add Capital One Venture X authorized users – and why you should!


Credit for Global Entry or PreCheck

Add the Capital One Venture X to the growing list of credit cards offering up to a $100 credit for either TSA PreCheck or Global Entry. Membership in either program is good for five years and Venture X cardholders will get this credit every four years.

capital one venture x card 

If you plan for any sort of international travel, spring for Global Entry as it includes a TSA PreCheck membership. At just $100, the statement credit provided by the Venture X credit card will completely cover your membership cost for as long as you keep the card open.

Taking advantage of this credit is simple. Just use the card when you pay for your application and voila: Your credit will kick in to cover the entire cost.

Read more: Global Entry vs. TSA PreCheck: Which is Better for You?


10,000 Bonus Miles Each Year

Each and every year on your account anniversary, you'll receive 10,000 bonus Venture miles after paying your card annual fee.

These miles are worth a minimum of $100 towards travel – and potentially much more by utilizing the Capital One transfer partners.

You won't get this right when you open the card: This benefit starts in your second year.

Cardholders can also earn 25,000 bonus miles for each friend they refer to the Venture X – for a total of up to 100,000 miles per year.


Earn 2x Miles on Every Purchase & More

Like the Capital One Venture Rewards Credit Card, Capital One Venture X cardholders will earn 2x miles on every dollar spent on the card.

That's incredibly lucrative, and could easily make the Venture X card a go-to option in your wallet for many expenses.

However, unlike the legacy Venture card, Venture X cardholders will also earn 10x miles on hotels and rental cars, and 5x miles on flights booked via the Capital One Travel portal.


Complimentary Hertz President's Circle Status

Venture X cardholders will receive complimentary Hertz President’s Circle status.

As the highest level of elite status in their Gold Plus Rewards program, President's Circle elite members who book an intermediate car or higher get guaranteed upgrades to the next available car class or the ability to choose a car from the President's Circle Ultimate Choice aisle. Members can also skip the counter when renting a car, have access to a dedicated Hertz Rewards customer service line, and have the ability to add an additional driver at no cost.

This benefit will be available for both primary cardholders and authorized users.


Travel Insurance & Rental Car Coverage

Premium travel credit cards typically come with some excellent travel protection policies, and the Venture X is no different.

This brand new Capital One card is technically a Visa Infinite card, which is a distinction that doesn't matter much … until it comes to these benefits. Charge your rental car, flights, or any trip to your Venture X card and you'll get:

  • Primary Rental Car Coverage: Some of the strongest rental car insurance you can get, nearly identical to what's available through the Chase Sapphire cards. Decline the rental car agency's policy and you'll have a strong insurance policy that will cover most damages or even the theft of the vehicle. It applies to rentals in the U.S. as long as 15 days and in most foreign countries for up to 31 days. Check out the fine print of this policy.
  • Lost Luggage Reimbursement: Airline lose your luggage – or did it get stolen? If you paid with your Venture X Card, you can get up to $3,000 to replace the bag and its contents (or $2,000 per bag for New York residents). The cardholders and all immediate family members are covered.
  • Trip Delay Coverage: Get reimbursed for up to $500 in additional expenses like overnight hotel stays or new plane tickets if your travel is delayed by six or more hours – or forces an overnight stay.
  • Trip Cancellation and Interruption Coverage: If something goes seriously wrong on your trip like an accident, illness, or death that forces you to cancel or cut it short, you're covered for up to $2,000 per person in expenses – and you, a spouse, and any dependent children are eligible.

That's on par with some of the best travel insurance policies from credit cards that we've ever seen. Just pay for your trip with your Venture X Card and you're set.


$395 Annual Fee

The Venture X card has an annual fee of $395 each year. Compared to other premium travel credit cards, that's a bargain.

That $395 fee may still seem steep, but it's a mirage: It's actually far cheaper. Consider the fact that you get an automatic $300 credit a year towards travel booked through the Capital One Travel portal. Then, starting in year two, you get a 10,000-point bonus every year – points that are worth a minimum of $100.

Are you the kind of person who plans to spend $300 a year or more on travel? If so, do the math and you'll see that in reality, you're paying $95 (or less) a year for this card. If you're not the kind of person spending $300-plus a year on travel, a premium travel credit card like this one probably isn't the right move.

Unlike other premium credit cards, there is no fee to add authorized users. You can add up to four authorized users for free, who will also receive their own lounge access with the ability to bring up to two guests in with them.

Read more: Why The Capital One Venture X Annual Fee Shouldn't Scare You Off


No Foreign Transaction Fees

Because it's a Visa Infinite card, you won't pay foreign transaction fees when using your Capital One Venture X abroad.

Read more: Everything You Need to Know About Avoiding Foreign Transaction Fees

Capital One Venture X Rewards credit card

Click Here to learn more about the Capital One Venture X Rewards Credit Card


Who Can Get the Venture X Card?

Capital One has indicated that you will need an excellent credit score to be approved for the Venture X card. That means those with a credit score above 740 will have the best chances of being approved. But it's not so cut and dry…


credit scores


Already have the Venture or VentureOne Card? No problem: Capital One confirmed that current cardholders will be eligible to apply for the new Venture X Card – or simply upgrade. There's no rule limiting you to holding just one type of Venture card, as is the case with Chase and its Sapphire Card lineup.

Historically, Capital One has been one of the more strict (and secretive) credit card issuers when it comes to their standards of who gets approved and who gets denied. While they don't publish any specific rules like the Chase 5/24 rule, there are some general guidelines to keep in mind when applying for any Capital One card.

  • Capital One typically limits consumers to hold just two Capital One-branded cards at a time. That means if you've already got a Venture Card and the Capital One Savor Rewards Credit Card, you likely won't get approved for another card.
  • Capital One generally only allows you to open one Capital One credit card every six months. So if you've recently applied and opened another Capital One card, you may need to wait.
  • Data points suggest that, much like the Chase 5/24 rule, those who have opened five or more credit cards (from any bank) in the last 24 months will also have a hard time being approved for Capital One card products.

But these aren't hard and fast rules. Since this card first launched last year, we've been surprised to see many travelers who expected to be declined for the Venture X Card get an automatic approval.

Read More: Are You Eligible for the Capital One Venture X Card? 


How Much are 83K Capital One Miles Worth?

It depends on how you use them. And fortunately, these miles are incredibly versatile.

Let's start with the bonus … because it's actually even bigger than 75,000 miles. Considering you earn 2x miles on every purchase, the $4,000 you have to spend to earn that welcome bonus rounds it out to at least 83,000 Venture miles total.

Capital One has one of the simplest ways to redeem miles toward travel: It's called Capital One Purchase Eraser. Just book a flight, hotel, or any travel expense with your Venture X, then go back and use Purchase Eraser to cover it with miles.

Using Purchase Eraser, every single mile is worth 1 cent toward travel. The same is true when using another method to book travel: Capital One's new travel portal, where you can search for flights, hotels, or rental cars and book directly through Capital One.

That means 83,000 Venture Miles are worth at least $830 toward travel. But you could do even better.

Capital One has leveled up its transfer partnership program with new additions and improvements, solving the glaring weakness of that option that made it second to Chase and Amex. Now, you can transfer to more than 15 different airline and hotel programs on a 1:1 basis. That means 83,000 Venture Miles can become 83,000 British Airways Avios. Or 83,000 Emirates Skywards miles. Or 83,000 Turkish miles.

turkish biz
Turkish Airlines business class

With this improved transfer partner program, these miles are potentially worth much, much more. It makes Venture Miles a genuine double threat.

Read more about Capital One transfer partners!


Why We Think the Venture X Card is Outstanding

The Venture X Card is a game-changer among premium travel credit cards.

There are cheaper (or free) travel credit cards that don't come with many travel benefits. There are benefit-rich travel credit cards with exorbitant annual fees … and there was nothing in between. Capital One officials weren't exactly subtle about their motivation in trying to split the difference with this new card.

“In talking to customers, we feel that there is a gap in the market,” Lauren Liss, Capital One's managing vice president of U.S. cards, said in an interview with Thrifty Traveler. “Customers don't want to pay $600 for a card that offers travel benefits. And they don't want to take the time to continually track a laundry list of benefits they have to remember to register for.”

Rumors had been swirling for years about Capital One venturing (pun very much intended) into the premium credit card market. Those rumors intensified as they first announced plans last year to enter the airport lounge space, competing head to head with American Express Centurion Lounges.

This new card will get you and two guests free access to Capital One and Priority Pass lounges. After getting a sneak peek at the very first lounge in Dallas, we were impressed. If they can repeat that experience as more lounges open in Denver, Dulles, and beyond, Capital One will have hit a home run.

capital one lounge 

We'll admit it: We were skeptical about Capital One's plans for a premium card at first. Why mess with a good thing they had with the ever-popular Capital One Venture Rewards Credit Card?

One of the best things about the Capital One Venture Card that has drawn in thousands of travelers is its simplicity. Pay a $95 annual fee, earn 2x miles on every single purchase you make, buy any flight, hotel, or even a cruise or Airbnb, and cover the cost using your miles using the Capital One Purchase Eraser.

It's built around catering to the average traveler. Why overcomplicate that with questionable benefits, convoluted transfer partnerships, or hefty annual fees that would scare them away?

But Capital One has made some big moves recently that change that calculus. And now it's taking the best things about the Venture Card and putting them on steroids with the Venture X – all while retaining that simple, straightforward approach.


Bottom Line

It's currently possible to earn 75,000 Venture Miles after spending $4,000 in the first three months of card membership on the Capital One Venture X Rewards Credit Card. Being that you earn 2x miles on every dollar you spend, you'll end up with 83,000 miles worth a minimum of $830 towards travel.

If you're holding out hope for a return of the 100,000-mile offer … don't hold your breath. It's unlikely we'll see an offer that good on the Venture X ever again. And even with a 75,000-mile bonus, this remains one of the strongest travel cards on the market today.

Capital One Venture X Rewards credit card

Click Here to learn more about the Capital One Venture X Rewards Credit Card.


Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

56 Responses

  • Nick,

    Great article. This is really compelling for me. I was already considering closing or downgrading my AMEX Platinum when the next annual fee hits, and looking for alternatives. This seems like a very solid card and a heck of a deal compared to the AMEX Platinum, although the lounge benefits are not at the same level as far as Delta Sky Lounger and Centurion etc….

    • I wish there were a feedback section on the site for the cardholders to submit suggestions. Priority Pass got a huge blow not too long ago when Plaza Premium Lounges are no longer in their network. Those are predominant lounges in Canadian airports. For those of us who have family members in Canada or frequently travel there, the only option in the US market would be Amex Platinum.

      If Capital One can strike an agreement with either Plaza Premium Lounges directly, or some other lounge network that has them (such as Dragon Pass, where Canadian issuers of premium cards went for Plaza Premium access for their cardholders), it would be a big boost in their lounge access department and gets them well ahead of the pack, closer to Amex Platinum.

  • This is really interesting. Thanks, Nick. You told me something interesting was coming in an email and this probably a really good fit for me. I ended up keeping my Reserve card as I have a couple of flights coming up that I will probably book through the Chase portal because my Delta points are expensive at MSP. I will most likely switch to this card next year, unless Chase Reserve makes some changes to match.

  • Hi Nick,

    In the article you mention being able to upgrade from the current Venture card. I know with most cards an upgrade isn’t the best option since you don’t get all the benefits of a ‘new’ card holder but it sounds like you can upgrade to the X and still get all the benefits?

    • Hey John. You will be able to upgrade, but what you wouldn’t get by upgrading is the big 100k bonus. I am sure we will know more about what the upgrade offers look like next week.

    • Hi Nick, we are wondering if we have a venture card in my husbands name (I have a card with my name on it but the bill comes in my husbands name) could I now apply for the venture X card and get the benefits of being a new card holder?

    • Hi Mark. It sure does. The card is a Visa Infinite card which means it should make all of the same travel protections that the Sapphire Reserve card currently offers.

  • Can you use this new card as a “regular” credit card too? I have & use one card for all my needs. I am interested in this new card but need to be able to use it for everything else not just on travel.

  • I’m wondering if I should double dip and ADD this to my top tier cards (my other premier card, Chase Reserve). Does it ever make sense to have 2 cards?

    • It depends on a lot of factors, but I would say these two cards specially have a lot of overlap. You might be better with venture x and the lower annual fee Sapphire Preferred instead

  • Very interesting option! We have and use the Venture Double Rewards card from largely for the Purchase Eraser as it covers travel most other cards don’t. Will this new card still offer that feature? If so, I’d be hard pressed not to switch! Thanks 🙂

  • Nick, it mentions that with Hertz you get the Presidents Circle status on bookings. If you book through their portal to get the 10x points, you don’t get the status which is the same as with other portals, correct? Or am I misunderstanding the portal bookings (Amex, Chase, etc)?

    • If I apply for new X card and also keep my Venture card will I get the 100,000 bonus miles? Thought I read current customers don’t receive bonus?

      • Hi Paula. Yes, you will. The only way you won’t receive the bonus is if you upgrade your existing Venture account (instead of applying for a new account). Assuming you are approved, you could then combine your points into one account.

  • Authorized users get their own lounge access and Hertz President status. But do they also get the Global Entry credit, or is that just the primary cardholder?

  • I don’t know if this relates to many of you, but I was able to transfer my Capital One Venture card miles over to my new Venture X card. Customer service said it was not possible, but once online it clearly let move the miles to the new X card.

    • Hi Jill. That will depend on a number of factors, but at a minimum, if you can make the spending requirement work, this card might be a great companion card to your Sapphire Preferred.

  • In regards to the $200 airbnb/vrbo credit, is it listed anywhere on the account page? I’ve looked under benefits and rewards, but don’t see it listed. Just looking to confirm it is included on my card. Thanks!

    • It is absolutely included. All you have to do is spend at Airbnb or VRBO and the credit will kick in. This is a limited-time intro offer which is why you may not see it listed on the benefits pages.

  • I have a few questions as we have used the delta platinum card for years but this looks so good and I’m not as familiar w/”premium travel cards.” Here are my questions & a link that answers them is fine if there is one. 1) Do these VentureX miles expire? 2) Flights can be booked with any airline and the portal will tell you how many miles, right? 3) This may mean losing platinum status on Delta w/out purchase rewards every $10,000, yes (in other words, status could only be retained by flying a lot of miles on Delta)? and 4) There is no foreign transaction fee but do you know the fee if the card can be used to withdraw $ from an ATM overseas? Thank you! It feels big to switch and drop our Delta platinum but we might do it (deep breath!)

    • Hi Vicki.

      1) Venture Miles do not expire as long as you have the card open. If you close the card, you will lose any unused miles unless they are moved to one of the Capital One transfer partners.
      2) That is correct. Miles are always worth one cent each when used in the portal so a $400 flight could be booked with 40,000 Venture Miles.
      3) If Delta status is important to you, it may be a good idea to also keep the Platinum card for the MQD waiver (and MQM bonus at certain spending levels).
      4) I don’t know the specific fee on this, but that should be available in your account assuming you apply and are approved.

  • Hello Nick,
    Did you ever have success with your reconsideration for the Capital One Venture X card?
    I received my letter explaining why I got denied for the Venture X; “too many revolving accounts” with a credit score of 773. I called the number for Capital One you have on your site. The first rep stated their was nothing she could do so I asked for a manager. The manager was very dismissive saying there was no way the application could reviewed any further. Every question that I asked her, she said she could not answer because she could not give credit advice even though I was not asking for advice. Very frustrating to say the least. I am not sure what the best plan is going forward to get approved. Should I email their executive office, close out a couple of older accounts that I no longer use, reduce the amounts on some of my cards that I no longer use, and/or just wait a few months and reapply?
    Thank you,

    • Hi Gregg,

      I did not have any success. I got my letter in the mail and I also had “too many revolving accounts” listed as my denial reason with a very similar credit score. The reconsideration line was not helpful at all and they were not able to give me any more information on what that even means. I know many others with more open accounts than me who were approved with similar credit score metrics.

      I wish I had a better answer but I am not entirely sure what the best approach is.

  • Hi Nick,
    So I bit the bullet and applied (and was approved) for the Venture X. I also have two other Capital One cards (so now 3 total) . One I have had for a long time, and although it is useless as far as perks, I still keep it open and just use it time to time. My other one one is a Capital One Venture Card with decent benefits. I have a few other cards, that are good as far as perks. Do you think it would be wise to cancel the long time, no benefits Cap 1 card?

  • During a delay(or two), trying to leave Las Vegas, my wife and I extensively used the lounge access benefit. I was very happy to have the card at that point. For me, lounge access alone is worth the annual fee.

  • To sign up Authorized Users for Premier Pass is it the same process — enter their credit card number in the link from the Capital One site? It worked for me, but not for the second user.

  • Do you know if the Airbnb/VRBO credit is still part of the introductory offer? It isn’t identified in the account opening disclosures somebody I know received today, unlike the precheck/global entry credit.

    • Hey Jake, yes it is. Being it is a limited-time offer it’s likely they just excluded it from these disclosures as it will eventually go away. All current Venture X offers include it.

  • What’s the process for obtaining some of these benefits, e.g., Hertz Pres Circle status and Priority Pass membership? Sorry if I missed it above or in other articles. A link or explainer would be great. Nothing about it came in the cardmember mailing.

    • Hi Mark. Yes, they are. The only thing not available right away is the 100k points you will earn after spending $10k in 6 months.

  • Hi Nick,

    If I cross the $10K minimum spend threshold, but have to cancel and refund and fall under $10 afterwards, do I still get to keep 100K miles? Do you happen to know the policy on this with Capital One? Thank-you!

    • Hello. I don’t know specifically how Capital One handles this, but it is always a good idea to try and replace that spending with new charges if you can.

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