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A complete guide to Capital One's Lifestyle Collection for hotels
Emily Thompson specializes in beginner content as a credit cards editor. She taps into her prior experience as a high school English teacher to help others demystify credit scores and unlock experiences that credit card rewards can make possible.
October 23, 2024 • 7 min read
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Quick summary
A new boutique hotel program offers access to curated properties with modern design and local flair in major destinations.
The program is available to a broad range of cardholders, not just those with premium travel cards.
Benefits include a $50 experience credit, complimentary Wi-Fi, potential room upgrades and flexible check-in/out, with no minimum stay required.
You can pay with cash or redeem miles at a fixed rate, though transferring miles to partners may offer better value per TPG's October 2024 valuations.
What to consider
Many major hotel brands are not included in the collection, limiting options for those loyal to large chains.
Hotel status recognition and associated perks may not apply when booking through this program.
TPG values these miles at 1.85 cents each as of October 2024, but redeeming for hotel stays yields only 1 cent per mile.
What you'll miss from the article
A detailed comparison of boutique hotel benefits, booking strategies and tips for maximizing value through this collection.
Generated by AI with support from our editorial team.
Update: Some offers mentioned below are no longer available. View the current offers here.
Capital One launched its first luxury hotel program — the Premier Collection — in 2023, joining the ranks of well-established hotel programs by American Express, Chase and Citi.
Capital One Travel has since expanded this to include the Lifestyle Collection. This collection is open to a broader range of cardholders than the Premier Collection, allowing more people to book boutique hotels using their Capital One miles and enjoy benefits typically reserved for those with hotel status.
But should this program change the way you choose a hotel? Here’s what you need to know.
The Lifestyle Collection includes boutique properties in popular locations. These properties incorporate modern design and highlight local art and culture. They also feature quality dining and access to unique entertainment.
THE LUDLOW HOTEL NYC/FACEBOOK
The Lifestyle Collection includes some known brands such as Virgin Hotels, The Standard, Design Hotels and The Line, as well as smaller boutique hotels like The Ludlow in New York City and The Lyle in Washington, D.C. However, many properties from major hotel brands like Hilton, Hyatt, Marriott and IHG are missing from the collection.
Which credit cards include Lifestyle Collection access?
The Lifestyle Collection is available to the following cardholders:
Capital One Venture X Rewards Credit Card
Capital One Venture X Business Card
Capital One Venture Rewards Credit Card
Capital One Venture Business
Capital One Spark Miles for Business (no longer available)
The information for the Spark Miles for Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
WESTEND61/GETTY IMAGES
While the Lifestyle Collection offers a less impressive list of benefits than the Premier Collection, it offers hotel program access to some cardholders who may not be able to justify shelling out the higher annual fee for the Venture X or Venture X Business.
What are the benefits of the Lifestyle Collection?
When you book a Lifestyle Collection hotel through a Capital One Travel portal, you’ll earn bonus miles on your purchase. Venture X and Venture X Business cardholders earn 10 miles per dollar spent, while Venture, Venture Busines and Spark Miles cardholders earn 5 points per dollar spent, through their respective travel portals.
In addition to earning bonus miles, you’ll get these perks with the Lifestyle Collection:
A $50 experience credit to use toward rooftop drinks, signature hotel restaurants, room service or other activities
Complimentary Wi-Fi
Room upgrades, when available
Early check-in and late checkout, when available
Plus, there is no minimum stay requirement to book a Lifestyle Collection hotel, a notable difference from Amex’s The Hotel Collection, which requires staying at least two nights.
KLAUS VEDFELT/GETTY IMAGES
Free Wi-Fi and a (non-guaranteed) chance for early check-in probably won’t sway your decision when selecting a hotel for your next trip. Still, the $50 experience credit and ability to earn bonus miles on a boutique hotel stay could make booking via the Lifestyle Collection a better option than booking your stay directly through the hotel website.
To book a hotel with the Lifestyle Collection, you must book through Capital One Travel.
Once logged in, you can click on the "Premium Stays" tab at the top right or "Hotels" to see both Lifestyle Collection and non-Lifestyle Collection accommodation options.
CAPITAL ONE TRAVEL
Search for your intended destination as you normally would.
CAPITAL ONE TRAVEL
If you've chosen the "Hotels" tab, you can filter for Premium stays in your location.
CAPITAL ONE TRAVEL
Scroll through the list to see highlights of the hotels, such as available amenities and pricing. Clicking on a hotel provides details about its offerings and location.
CAPITAL ONE TRAVEL
When making a paid reservation with these cards, you will earn 5-10 Capital One miles per dollar. Per TPG's October 2024 valuations, these miles are worth 1.85 cents apiece, meaning you would earn a healthy 9.25%-18.5% return on spending.
Can I pay for the Lifestyle Collection with my Capital One miles?
Yes. Since the Lifestyle Collection is through the Capital One portal, you can redeem your miles at a rate of 1 cent per mile.
MINISERIES/GETTY IMAGES
This is a lower redemption value than TPG's October 2024 valuation of 1.85 cents that you could get by transferring your miles to transfer partners, but it’s a good option if you have a lot of miles or if this is a better fit for your plans than other options.
Since the available hotels aren’t exclusive to the Lifestyle Collection, you’ll want to do some research and compare prices before booking. You might be able to find a better price directly through the hotel’s site or via another third-party booking agency like Hotels.com.
Additionally, your hotel status may not be recognized, so you could sacrifice any additional earning potential and perks associated with your status.
WESTEND61/GETTY IMAGES
Still, Venture X and Venture X Business cardholders can apply their $300 credit to a property in the Lifestyle Collection, so combining this credit and the Lifestyle Collection perks could make this a better option than booking anywhere else.
The Capital One Lifestyle Collection is accessible to a wider range of cardholders than its Premier Collection but offers fewer perks. It can be a good way to enjoy some hotel benefits if you don’t want to pay a higher annual fee for a premium credit card and don’t have hotel status.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
