My favourite method to make use of my annual Capital One Venture X journey credit score

One of my favourite perks on my Capital One Venture X Rewards Credit Card is the annual $300 journey credit score.

Every yr in your cardholder anniversary, you obtain a $300 credit score for bookings made by way of the Capital One Travel portal. The perk almost offsets the complete $395 annual payment by itself, and it is extremely simple to make use of.

I nearly all the time choose to e book my journey instantly versus utilizing a 3rd celebration like a bank card issuer portal. But there are just a few causes to make use of Capital One’s journey portal (except for the power to make use of the annual credit score on eligible bookings), together with elevated incomes charges, worth prediction that can assist you e book your journey at the perfect time and worth safety whenever you use the prediction function.

The greatest profit to reserving journey by way of Capital One, although, is entry to the Premier and Lifestyle resort collections.

Stacking my journey credit score for much more worth

I almost all the time redeem my annual credit score for resort stays — particularly properties which can be a part of one in every of Capital One’s resort collections.

For anybody unfamiliar, Capital One has two resort collections, just like The Edit by Chase and Amex Fine Hotels + Resorts.

Premier Collection motels are luxurious stays solely out there to Capital One Venture X and Capital One Venture X Business cardholders. The Lifestyle Collection options trendier stays (together with some trip leases!) in in style cities, and so they’re out there to a wider vary of Capital One cardholders.

Both collections give vacationers entry to advantages that assist make their keep higher.

These advantages are usually consistent with what you get when you may have elite standing with main resort chains — from early check-in to room upgrades when out there — however usually at impartial properties and boutique chains the place it is in any other case uncommon to get these advantages.

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As a self-proclaimed “free agent” who would not have elite standing with any resort, the advantages I get by way of the Premier and Lifestyle collections is usually a recreation changer on a visit.

Not solely do these advantages make my stays extra pleasurable, additionally they save me actual cash.

Breakfast at a luxurious property can simply value greater than $50 a day, and the expertise credit score you get with both assortment may be put towards a pleasant dinner, drinks or perhaps a spa remedy.

So after I use my annual $300 credit score on a Premier or Lifestyle Collection property, I usually get much more than $300 in worth throughout my keep.

Related: 5 sensible methods TPG staffers use Capital One Travel credit within the portal

Using my credit score on a getaway to Vancouver

Here’s an instance of the worth I get from utilizing my $300 credit score on a Capital One assortment resort keep.

I not too long ago took a three-night journey to Vancouver. My cardholder anniversary (when my credit score resets annually) is in June, and I nonetheless had my 2025-2026 credit score out there after I booked my journey.

While Vancouver did not have any Premier Collection motels out there throughout my journey dates (although the a number of Fairmont properties in Vancouver are Premier Collection motels), the Pan Pacific Vancouver was out there and is a part of the Lifestyle Collection.

It’s an iconic property centrally positioned in downtown Vancouver — the right residence base for my first journey to town.

My three-night keep value $1,864.64.

After making use of my Venture X’s $300 journey credit score, I paid $1,564.64. Given my journey was in June and likewise proper earlier than the World Cup began, lower than $525 per evening is a strong deal.

Then the Lifestyle Collection perks kicked in.

Thanks to reserving by way of the Lifestyle Collection, I acquired:

• Club Pacific Room, which gave me entry to the lounge and a room with a really beautiful view
• Free each day breakfast within the lounge — which might have value me $44 CAD per particular person each day (~$31) at the usual resort buffet
• Late checkout
• Complimentary Wi-Fi (often $5.25 CAD per day)
• A $50 expertise credit score that I used on lunch in the future

That means reserving by way of the Capital One Lifestyle Collection saved me an extra $172 throughout my keep.

Related: The finest time to use for these in style Capital One bank cards based mostly on provide historical past

Bottom line

There are some ways to make use of the $300 journey credit score you get yearly together with your Capital One Venture X, however that is the technique I maintain coming again to.

By reserving Premier Collection or Lifestyle Collection motels, I’m not simply lowering the price of my keep. I’m stacking the journey credit score with complimentary breakfast, property credit, room upgrades and different perks that usually save me much more cash.

For me, that is the simplest strategy to flip a $300 journey credit score into an expertise value extra.

Especially when you’re somebody who would not have resort elite standing, it is an effective way to take pleasure in these elite-like advantages.

To be taught extra, learn our full overview of the Venture X.