Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
The offer mentioned below for the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card is no longer available. The Capital One Spark Miles for Business card is no longer available.
When credit card issuers vie for the space at the top of your wallet, you win.
In recent years, we've seen benefits added to credit cards including access to new airport lounges and new travel partners. Earlier this year, Capital One launched the Premier Collection, which provides elite-like benefits for Capital One Venture X Rewards Credit Card and Capital One Venture X Business Credit Card cardholders at certain luxury hotels booked through Capital One Travel or Capital One Business Travel respectively.
Capital One has gone a step further and introduced the Lifestyle Collection, which provides a suite of benefits at more hotel chains and boutique locations. And, a wider range of Capital One cards can take advantage of this perk, including the popular Capital One Venture Rewards Credit Card.
Below, CNBC Select breaks down everything that you need to know about Capital One's Lifestyle Collection and other cards that have similar benefits.
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 and Landing 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 and Landing locations and participating 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
$0
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 $750 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.
- Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 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
$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 fee
None
Small business owners can also benefit from the Lifestyle Collection. You'll earn 10X miles per dollar for Lifestyle Collection bookings through you make through Capital One Business Travel with the Capital One Venture X Business and 5X miles per dollar with the Capital One Spark Miles for Business*.
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
Many other card issuers have programs similar to Capital One's Lifestyle Collection. Citi, American Express and Chase all offer similar extra benefits for certain hotel bookings. But in order to take advantage of these perks, you'll need the right credit cards.
American Express
Eligible American Express cardholders have access to The Hotel Collection program, which offers these benefits with stays of two or more nights:
- Up to $100 in credits towards eligible charges*.
- Room upgrade (when available).
The Hotel Collection is available to members with the American Express® Gold Card, American Express® Business Gold Card (see rates and fees) and certain premium American Express cards. Must book through AmexTravel.com or the Amex Travel App. *Eligible charges vary by property.
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 $8,000 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.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You'll know upfront exactly how much you'll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That's up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
- See Rates & Fees
Foreign transaction fee
None
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
Capital One added a new benefit for eligible cardholders, the Lifestyle Collection. This program expands on Capital One's Premier Collection to include new hotels but offers less valuable perks. However, the Lifestyle Collection is open to a wider range of Capital One cardholders, including those with the Capital One Venture Rewards Credit Card.
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Read more
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.
Information about the Capital One Spark Miles for Business card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
