Why I Love This Underrated Hotel Perk on the Capital One Venture X Card

I likely don’t need to convince you of the value of the Capital One Venture X Rewards Credit Card*×Information collected independently. Not reviewed by Capital One.. When it launched in 2021, it made a big impression with its $395 annual fee (rates & fees), which is relatively low for a premium travel card, and offers top-tier benefits.

But annual statement credits and airport lounge access aren’t the only reasons the Capital One Venture X card is worthwhile. This luxury credit card also gives access to the Premier Collection, which provides elite-style benefits at luxury hotels.

Let’s talk more about this underrated benefit and why it’s something you should always keep in mind when booking hotel stays.

What Is the Capital One Premier Collection?

Capital One didn’t necessarily reinvent the wheel with the launch of the Premier Collection. Similar to competing programs such as American Express’ Fine Hotels & Resorts and Chase’s The Edit, the Premier Collection seeks to offer luxury benefits on premium hotel stays.

What kind of benefits can you expect? The kind that smooth out your stay and elevate your experience:

• $100 experience credit to use on your stay
• Daily breakfast for 2
• Free Wi-Fi
• Room upgrade
• Early check-in
• Late check-out

Anyone who’s ever chased hotel status probably recognizes these benefits — they’re a lot like the one’s you’ll get as an elite member. What’s nice about the Premier Collection is that you don’t need to stay many nights in a year to get status. You’ll simply book a participating hotel and receive perks upon arrival, which makes it a great option for those who don’t travel frequently.

The Premier Collection isn’t limited to hotels, either. While it’s somewhat limited, you can also book Premier Collection vacation rentals and still get a $100 credit on your stay. That’s unique within these kinds of programs and is definitely worth exploring if you want more space.

Who Can Book Premier Collection Hotels?

Terms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome 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 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$395

APR

19.99% - 29.74% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-840)

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee (rates & fees)
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card 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
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• 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^®

Financial Snapshot

• APR: 19.99% - 29.74% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

The Premier Collection is limited exclusively to those who hold either the Capital One Venture X card or the Capital One Venture X Business Card*×Information collected independently. Not reviewed by Capital One..

The Premier Collection is distinct from the Lifestyle Collection, which offers similar (but fewer) benefits, including a $50 hotel credit and room upgrades, upon availability. The Lifestyle Collection is available to many different cardholders, including those who have the Capital One Venture Rewards Credit Card*×Information collected independently. Not reviewed by Capital One. or the Capital One Spark Miles for Business*×Information collected independently. Not reviewed by Capital One..

Why I Love the Capital One Premier Collection

I’ll readily admit that I am a sucker for hotel elite status. Every year, I spend months strategizing how I’ll requalify for World of Hyatt elite status, reach for Marriott Bonvoy Platinum status, and justify the  $550 annual fee on the Hilton Honors American Express Aspire Card (which gives you Hilton Diamond status just for holding the card).

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Suffice it to say that it would take a lot to sway me from staying at chain hotels in pursuit of elite status. But there are times where it makes sense, especially when I’m staying somewhere that doesn’t have a lot of good options for status.

In these cases, the Capital One Premier Collection comes in clutch. It may make me sound spoiled, but I really value the free breakfast that comes when you book this way. The room upgrades don’t hurt, either.

Another reason why I love the Capital One Premier collection? Those with the Capital One Venture X card and the Capital One Venture X Business card receive an annual $300 travel credit for bookings with Capital One Travel. This includes bookings with the Premier Collection, which I can easily apply it towards a Premier Collection stay. Best of all, there’s no minimum stay requirement for Premier Collection benefits to apply or for your travel credit to be used.

This means that less expensive stays can be basically wiped out, but you’ll still get all the credits and benefits that come with booking the Premier Collection.

In this example above, you’d end up paying just $159 out of pocket, but you’d still receive the free breakfast, $100 experience credit, and more.

Final Thoughts

Although I’m a hotel loyalist at heart, I really dig what Capital One has done with the Premier Collection. While it may not be my first stop when booking hotel stays, the benefits are well worth my time whenever I’m looking to book a hotel stay.