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Capital One has been expanding its hotel offerings, giving cardholders access to exclusive perks when booking through its branded travel portal. In 2023, it launched the Premier Collection — a luxury hotel program designed to compete with Amex’s The Hotel Collection. Later, Capital One introduced the Lifestyle Collection, a curated list of properties that offers select benefits to a broader range of travelers — though with fewer perks than the Premier Collection.
But is booking through the Lifestyle Collection through the Capital One Travel portal really worth it? Here’s everything you need to know before deciding.
Page Contents
- What Is the Capital One Lifestyle Collection?
- Capital One Lifestyle Collection Perks and Benefits
- Which Cardholders Is the Capital One Lifestyle Collection Open To?
- How To Book a Capital One Lifestyle Collection Stay
- Earning and Redeeming Capital One Miles for Lifestyle Collection Stays
- Should You Book Lifestyle Collection Stays?
- Bottom Line
What Is the Capital One Lifestyle Collection?
The Lifestyle Collection is one of Capital One's two hotel collections that provide cardholders access to curated properties and exclusive benefits when booking through the Capital One Travel portal. The Premier Collection features high-end properties with premium perks, while the Lifestyle Collection includes mid-tier hotels with more moderate benefits.
Most Lifestyle Collection properties are independent hotels or part of boutique groups such as Virgin Hotels, Design Hotels, Six Senses, and Small Luxury Hotels of the World. Some notable properties include The Drift in Palm Springs and The Ludlow in New York City.
You can search for and book Lifestyle Collection (as well as Premier Collection) hotels and resorts through the Capital One Travel portal.
If this idea sounds familiar, that's because card issuers have been steadily enhancing their travel portals to include programs that mimic hotel elite status with luxury perks. These include Chase's The Edit, Citi's Hotel and Luxury Collections, as well as Capital One's Premier Collection.
Related: How To Receive Elite Hotel Benefits Without Elite Status
Capital One Lifestyle Collection Perks and Benefits
Capital One Lifestyle Collection guests receive several elite-like benefits, including:
- $50 experience credit for onsite dining, room service, spa treatments, etc.
- Complimentary Wi-Fi
- Room upgrades (when available)
- Early check-in and late checkout (when available)
While these are solid perks, the Lifestyle Collection falls slightly short of competitors’ offerings. One notable omission is complimentary breakfast — which both Chase and Citi provide on similar bookings. However, unlike Amex’s The Hotel Collection, Capital One’s Lifestyle Collection doesn't have a minimum stay requirement.
Which Cardholders Is the Capital One Lifestyle Collection Open To?
Cardholders with the following Capital One credit cards can book Capital One Lifestyle Collection stays:
- Capital One Venture Rewards Credit Card
- Capital One Venture X Rewards Credit Card
- Capital One Venture X Business
- Capital One Spark Miles for Business
- 5X miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per $1 on flights when booking via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on all other eligible purchases
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per $1 on flights booked via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on other eligible purchases
The Lifestyle Collection is available to more cardholders than the Premier Collection, which is exclusively accessible to Capital One Venture X and Venture X Business cardholders.
Related: The Best Capital One Credit Cards for Every Purchase
How To Book a Capital One Lifestyle Collection Stay
To book, log into the Capital One Travel portal and select Premium Stays in the upper right-hand corner.
Then, search for hotels in the destination of your choice. If you have access to both programs, search results will indicate whether a hotel belongs to the Premier Collection or the Lifestyle Collection.
Earning and Redeeming Capital One Miles for Lifestyle Collection Stays
Eligible Capital One cardholders earn at least 5x miles on Lifestyle Collection stays — with Capital One Venture X cardholders earning a whopping 10x miles. This outsized earning rate makes it that much more appealing to utilize the Lifestyle Collection.
It's also possible to redeem Capital One miles for Lifestyle Collection stays at a rate of 1 cent apiece. However, we don't recommend doing so. First, this is lower than the 2¢ per mile average that AwardWallet users have achieved when redeeming Capital One miles through travel partners.
If you really want to redeem your miles for a Lifestyle Collection stay, we recommend doing it in two parts. First, book the stay using your card. That way, you'll earn 5-10x miles on the purchase. Then, after the purchase posts to your account, go in and redeem miles for the eligible travel purchase. By doing it this way, you'll redeem miles at the same rate but earn miles on the original purchase. Plus, you'll get travel and shopping protections on the purchase.
Additionally, Capital One Venture X and Venture X Business cardholders can apply their $300 annual travel credit toward Lifestyle Collection stays, which is a neat way to help reduce the stay's cost.
Related: Complete Guide to Capital One's Transfer Partners
Should You Book Lifestyle Collection Stays?
Whether the Capital One Lifestyle Collection is worth booking depends on how its pricing and benefits compare to your other options.
While the Lifestyle Collection offers a modest set of perks, one key drawback is that stays booked through Capital One Travel do not earn elite night credits and won’t qualify for any benefits you may have earned through hotel loyalty programs.
Pricing is also important. Before booking, it’s always a good idea to compare the Lifestyle Collection’s rate with the hotel’s direct pricing to ensure you're getting a competitive deal. If the perks justify the cost difference, it could be a great way to enhance your stay, but in some cases, booking directly or through another travel provider may offer better value for your money.
Related: How To Reprice Your Flights and Hotels To Save Money
Bottom Line
Capital One's Lifestyle Collection provides mid-tier luxury benefits such as an experience credit, room upgrades, and flexible check-in and checkout. While it lacks the high-end perks of the Premier Collection or similar programs from competitors, it remains a neat option for a wide variety of travelers who want extra perks without holding premium hotel elite status or a high-annual-fee credit card.
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