Capital One Introduces Exciting Perks for Boutique Hotel Reservations

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Capital One is on a mission to solidify its presence in the travel credit card arena. Over the past year, the company revealed intentions to expand its branded airport lounges throughout the United States, building on the impressive launch at Dallas–Fort Worth International Airport. Additionally, it unveiled the Capital One Premier Collection, a thoughtfully selected array of luxury hotels and resorts worldwide, where cardholders of the premium Capital One Venture X Rewards Credit Card enjoy perks such as $100 experience credits for each stay and complimentary breakfast for two.

With the August debut of the Lifestyle Collection, Capital One's travel offerings have broadened even further. Unlike the ultra-luxurious hotels in the Premier Collection, the Lifestyle Collection features accessible, stylish, and uniquely designed boutique hotels, complete with benefits like $50 experience credits per stay and room upgrades based on availability. To make this travel portfolio more inclusive, Capital One is opening the Lifestyle Collection to cardholders of Venture X Business, Capital One Venture Rewards Credit Card, and Capital One Spark Miles for Business as well.

Here’s what you need to know about Capital One’s new Lifestyle Collection.

Unveiling Capital One Travel’s Lifestyle Collection

Since the launch of the Capital One Premier Collection in December 2022, cardholders of the Capital One Venture X Rewards Credit Card have enjoyed extra benefits at premier properties such as 1 Hotel South Beach in Miami and the Londoner in London when booking through Capital One Travel.

Recognizing that its cardholders travel for both work and short personal trips, Capital One sought a way for them to enjoy affordable accommodations without sacrificing perks or a VIP experience. The result is the Lifestyle Collection, featuring stylish boutique brands like Virgin Hotels, the Standard, Design Hotels, and the Line, alongside independent gems like the Lyle in Washington, D.C., Vintry & Mercer in London, and Desa Hay in Bali. These properties are typically situated in sought-after urban areas, catering to those with a passion for design and culture.

While many hotels and resorts within Capital One’s Premier and Lifestyle Collections overlap with offerings from American Express’s Fine Hotels & Resorts and the Luxury Hotel & Resort Collection from Chase, some remain exclusive to Capital One. Notable properties unique to the Lifestyle Collection include Virgin Hotels New York City, Wayfinder Waikiki in Honolulu, and Hotel Greystone in Miami Beach.

Discover the advantages of Capital One Travel’s Lifestyle Collection

When booking via Capital One Travel, Capital One Venture X cardholders enjoy the following perks at Lifestyle Collection properties:

• 10x miles earned for every dollar spent on hotel reservations
• $50 experience credit (or equivalent in local currency) for on-site dining, bar tabs, room service, spa services, or other activities
• Free Wi-Fi
• Complimentary room upgrade upon arrival, subject to availability
• Early check-in, if available
• Late checkout, if available

There is no minimum length of stay required to access these benefits, meaning they apply even for a single night. Moreover, Capital One has broadened the Lifestyle Collection's accessibility by allowing holders of several other credit cards, including the $95 annual fee Capital One Venture Rewards Credit Card and two business cards, Venture X Business and Capital One Spark Miles for Business, to enjoy the same perks. The only difference is that Venture and Spark Miles cardholders earn 5x miles per dollar spent on bookings, compared to the 10x earned by Venture X and Venture X Business cardholders.

Enjoying a stay at Capital One Travel’s Lifestyle Collection for free

Capital One’s Lifestyle Collection—and the benefits of booking through Capital One Travel—extend beyond paid reservations. Cardholders can redeem Capital One miles for a Lifestyle Collection booking at a rate of 1 cent per mile (meaning 10,000 miles equal $100). Additionally, Venture X and Venture X Business cardholders can apply their annual $300 travel credit towards any purchase on Capital One Travel, including stays in the Lifestyle Collection.

What does this mean for the value of Venture X?

Before the introduction of the Lifestyle Collection, the Capital One Venture X Rewards Credit Card had already established itself as a leading choice in the industry, offering substantial value through credits, benefits, built-in travel insurance, and an attractive rewards structure. The launch of last year’s Premier Collection, along with Capital One’s airport lounges and lounge alternatives, enhanced the card's appeal even further. Now, the Lifestyle Collection takes an already exceptional card and elevates it even more.

Expanding access to the Lifestyle Collection is a smart move by Capital One, making the lower-fee Capital One Venture Rewards Credit Card much more appealing. However, it doesn’t diminish our preference for the Venture X as the top choice in the brand's lineup. The $395 annual fee is quickly mitigated by a $300 travel credit applicable to any purchases on Capital One Travel, including those within the Lifestyle Collection. Additionally, the card includes a valuable Priority Pass membership for airport lounge access, especially in locations where Capital One hasn't launched its branded lounges. The annual bonus of 10,000 miles after your account anniversary further justifies the fee. Plus, you can add up to four authorized users at no extra cost, each receiving their own Priority Pass membership and access to both the Lifestyle and Premier Collections. That's right—at no additional expense.

For current cardholders, the Lifestyle Collection is just the latest initiative by Capital One to solidify its status as an industry innovator while keeping cardholders engaged with its value-centric offerings. For those who haven’t yet embraced the Capital One Venture X Rewards Credit Card, there’s an enticing welcome offer to encourage sign-ups: earn 75,000 bonus miles after spending $4,000 on purchases in the first three months after opening an account.

This article was initially published in June 2023 and updated on August 29, 2023, to reflect current information. While the offers mentioned are accurate at publication, they are subject to change and may have been altered or may no longer be available.