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Capital One Lifestyle Collection
When you book a hotel through Capital One’s Lifestyle Collection you can take advantage of the following benefits:
- $50 experience credit for food, drinks or other activities
- Complimentary Wi-Fi
- Room upgrades (when available)
- Early check-in and late check-out (when available)
These perks only marginally improve on what you could receive when you have basic or mid-tier elite status with that particular hotel or hotel chain, but this could be a useful benefit for hotel brands you visit less frequently. The Lifestyle Collection includes hotel chains such as The LINE, Virgin Hotels, Design Hotels, and The Standard, as well as independent locations.
The Lifestyle Collection is available to select Capital One cardholders and these bookings earn bonus rewards depending on which card you have. You can earn 10X miles per dollar for Lifestyle Collection bookings booked through Capital One Travel with the Capital One Venture X Rewards Credit Card and 5X miles per dollar with the Capital One Venture Rewards Credit Card. Venture X cardholders also can redeem up to $300 annual travel credit on Lifestyle Collection bookings.
The Capital One Venture X Rewards Credit Card is a premium credit card with a myriad of benefits and a lower annual fee than other high-end cards with similar features.
- Annual $300 credit for bookings through Capital One Travel
- 10,000 bonus miles after every card anniversary
- Unlimited complimentary access to 1,300+ airport lounges, including Capital One Lounge locations
- Long list of valuable travel and shopping protections, including return protection, rental car coverage and trip delay reimbursement (Benefit(s) only available to accounts approved for the Visa Infinite card. Terms apply.)
- Limited bonus spending categories compared to other premium credit cards
- High annual fee
- High credit score requirement (excellent credit)
Highlights
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Top rated mobile app
Balance transfer fee
$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Foreign transaction fees
The Capital One Venture Rewards Credit Card has a reasonable annual fee and earns flexible travel rewards, which makes it a great travel card for beginners or heavy travelers.
- Valuable welcome offer worth at least $1,000 in travel
- You can transfer miles to over 15 Capital One partners, including Emirates Skywards, Choice Privileges and Singapore Airlines KrisFlyer
- No foreign transaction fees
- Lacks ongoing travel benefits such as statement credits or lounge access
- Limited bonus spending category that only applies to certain Capital One Travel bookings
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- LIMITED-TIME OFFER: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s equal to $1,000 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- Top rated mobile app
Balance transfer fee
$0Â at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Foreign transaction fee
Capital One Travel Premier Collection
The Premier Collection is a step up from the Lifestyle Collection, but it’s only available to Capital One Venture X Rewards Credit Card and Capital One Venture X Business cardholders. The upgraded benefits include:
- $100 experience credit (or the local equivalent) to use on dining, spa, and other activities
- Daily breakfast for two
- Complimentary Wi-Fi
- Early check-in, late check-out and a room upgrade (when available)
The Premier Collection encompasses many luxury hotels you can book through Capital One Travel, such as Small Luxury Hotels, The Leading Hotels of the World and Six Senses.
Capital One Lifestyle Collection alternatives
The American Express Gold Card is great for earning valuable Membership Rewards® points at restaurants worldwide and U.S. supermarkets.
- You can earn $400+ in dining and rideshare credits every year (Enrollment required for select benefits mentioned)
- Exceptionally rewarding for eligible restaurant and U.S. supermarket purchases
- No foreign transaction fees
- Larger annual fee
- Credits are more complicated, you earn them monthly or semi-annually
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership.  Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold:  Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
- See Rates & Fees
Foreign transaction fee
If you have a premium American Express card, such as the American Express Platinum Card®, you’ll be able to take advantage of the Fine Hotels + Resorts® program (FHR) in addition to The Hotel Collection. FHR offers more robust benefits and is comparable to Capital One’s Premier Collection. Terms apply. (The Hotel Collection requires a minimum two-night stay)
Citi
The Citi Hotel Collection is available through the new Citi Travel Portal and is open to all cards that earn Citi ThankYou® Points, including no-annual-fee cards like the Citi Double Cash® Card (see rates and fees). Citi Hotel Collection benefits include:
- Daily breakfast for two people
- Free Wi-Fi
- Early check-in and late check-out (when available)
For those with the Citi Strata Premier® Card, you’ll have access to Citi’s Luxury Collection perks on top of the Hotel Collection benefits. To use either of these benefits, you’ll need to search for hotels through the Citi Travel Portal. Within the search results, eligible hotels will be labeled with Hotel Collection or Luxury Collection tags.
The Citi Strata Premier® Card has competitive rewards rates and unlocks access to all of the Citi ThankYou® transfer partners, which boosts the value of your points.
- Unlocks point transfers to all of the Citi ThankYou® partners, including Emirates Skywards, Choice Privileges, Flying Blue and more
- Generous bonus spending categories include dining, supermarkets, hotels and flights
- Valuable welcome bonus
- Has an annual fee
- Car rental coverage is secondary, not primary
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Balance transfer fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Chase
A number of Chase credit cards have access to The Luxury Hotel & Resort Collection, including the Chase Sapphire Reserve® (see rates and fees) and Chase Sapphire Preferred® Card (see rates and fees). When you book through this program, you’ll receive:
- Daily breakfast for two
- Complimentary room upgrades (when available)
- Free Wi-Fi
- Early check-in and late check-out
- A special benefit worth up to $100
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Bottom line
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of the American Express® Business Gold Card, click here.
Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.