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That was fast! 10X miles per dollar on Venture X hotel booking post at check-in

Jan. 15, 2022
7 min read
Featured image of Wilson Residence Inn Big Sky, MT by Zach Honig/The Points Guy.
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Maybe you can teach an old dog new tricks. I've enjoyed collecting miles and points for over two decades. In that time, I'm pretty sure I can safely say I've never booked a hotel room through an online travel agency with the goal of earning points. Frankly, I can only recall a single instance or two where I've even booked a hotel room via any method other than directly with a hotel chain. Until now.

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Booking a hotel through the Capital One travel portal

The new Capital One Venture X Rewards Credit Card has a headline benefit that advertises 10 miles per dollar for hotel bookings through Capital One Travel. That sounds great on paper, but I was curious if it would really be that easy. I signed up for the Capital One Venture X card late last year for the incredible sign-up bonus, but I also had another plan in mind. If I really could easily earn 10 miles per dollar on hotel bookings for me and my employees, I might be able to spin that into a dream Star Wars adventure for our son at Disney World. Since these adventures can easily top $5,000 it just wasn't something I was willing to pay for out of pocket (unlike my friend Benet).

Booking a room through the Capital One Travel portal was easy. The thing that was even more surprising to me, was that for some dates I searched it was even cheaper than booking with Marriott directly. In this example it was $197.75 to book with Marriott directly:

Room price quote. (Screenshot courtesy Marriott)

And yet, only $195.10 through Capital One Travel:

Room price quote. (Screenshot courtesy Capital One Travel)

This wasn't the case in every example. But, by and large, Capital One Travel was within a few dollars of Marriott's website on the handful of dates I searched.

In situations like this, it's important to note you'd be foregoing any elite benefits you might otherwise enjoy by booking directly with Marriott. As a small business owner, this was actually a hotel booking for an employee with no elite status at a property where elite benefits don't get you much anyway. For the 2-week booking, my total was $2,723.35. My confirmation from Capital One noted I would earn 27,234 Capital One miles. Sure enough, on the day of check-in, my Capital One account was credited with 27,234 miles (they even rounded up)!

Capital One stay credits round up to the nearest dollar. (Screenshot courtesy Capital One)

How does this compare to booking direct?

Residence Inn in Big Sky, MT. (Photo by Zach Honig/The Points Guy)

Your personal earning preference will vary, but I wanted to take a look at a few examples of how these 27,234 miles stack up against booking directly with Marriott. It's worth noting Capital One awarded me 10 miles per dollar on the entire price of the stay, not just the base room rate. Generally speaking Marriott isn't going to award points on taxes or fees (including resort fees). In this case, we're going to use a base rate of about $2,360 to calculate Marriott earning amounts.

Marriott awards five points per dollar on stays at Residence Inns. However, most other brands earn 10 points per dollar so your math will vary based on the Marriott brand you stay with.

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In this case, I would have earned 11,800 Marriott Bonvoy points assuming no elite status or other bonuses with Marriott. TPG's value for Bonvoy points is 0.8 cents, versus 1.4 cents for Capital One miles. That means the Bonvoy points are worth ~$94 whereas the Capital One miles are worth $381. That's a big difference!

Elite status will also play a big factor in how many Bonvoy points you can earn. For example, as a Titanium Elite member, I would earn a 75% bonus or another 8,850 points. If you're thinking about transferring your points or miles to an airline, it's also important to note that Marriott transfers at a 3:1 ratio (with a 5,000-mile bonus for transfers of 60,000 points) whereas virtually all Capital One transfers are at 1:1.

Using Air Canada Aeroplan as an example (since both programs share the airline as a partner), you would net 6,666 Aeroplan miles if you transferred 20,000 Marriott Bonvoy points.

If instead you choose to transfer 20,000 Capital One miles you would net over 3 times more Aeroplan miles for 20,000 in total. When you combine 1:1 transfer partners with 10X on hotel bookings through Capital One travel, the value can be much higher than booking with a hotel chain directly. Capital One has done a really fantastic job of increasing the number of airline and hotel partners you can transfer to.

And, you can always use your Capital One miles to burn down future travel purchases.

Related: Tips and tricks to get maximum value from your Capital One miles

Bottom line

(Photo courtesy of Marriott)

My next test will be booking rental cars through the Capital One Travel portal. I'm eager to see if it's as easy to earn 10X miles for rental cars as it was for hotels. Admittedly, this is a sample size of one hotel booking, but I'm impressed. The Capital One Travel portal was easy to navigate and the miles posted much quicker than I would have expected. Because I have lifetime Titanium Elite status I don't need elite night credit, making it easier to be a free agent and book through an online travel agency.

As a small business owner, I've never really put much thought into booking through an online travel agency. I valued the perks the hotel chains were willing to offer me when I booked directly. But this new card changes the math.

For employee bookings, the value of 10 miles per dollar through Capital One Travel is easy for me to see. The ease of booking and the quick posting of Capital One miles make me very likely to book this way for myself in the future as well.

There are definitely hotel stays where I'll want to take advantage of benefits like a late check-out or free breakfast. For everything else, I'll take 10 Capital One miles for every dollar I spend versus fewer Marriott Bonvoy points on a portion of my total bill.

Featured image of Wilson Residence Inn Big Sky, MT by Zach Honig/The Points Guy.

Featured image by Featured image of Wilson Residence Inn Big Sky, MT by Zach Honig/The Points Guy.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
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

Annual Fee

$395

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • 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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of 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 booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • 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
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    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

    75,000 bonus miles
  • Annual Fee

    $395
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • 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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of 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 booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • 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
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023