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Capital One Fourth Night Free: New Hotel Benefit for Venture X & Venture Cards
July 1, 2025
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Capital One just dropped a hotel benefit that's making waves in the travel rewards community, and for good reason. The Capital One Venture X Rewards Credit Card and Capital One Venture Rewards Credit Card now offer a fourth night free at select Premier and Lifestyle Collection hotels when you book through Capital One Travel. This is one of the most straightforward and valuable hotel perks we've seen launched in 2025.
Here's why this benefit stands out and how to maximize its value.
What Makes This Benefit Special
Unlike complicated hotel loyalty programs with blackout dates and limited availability, Capital One's fourth night free benefit is refreshingly simple. Book four consecutive nights at participating Premier or Lifestyle Collection properties, and your fourth night is automatically free. No complicated redemption process, no surprise restrictions at checkout.
This benefit directly competes with the old Citi Prestige fourth night free perk that many travelers still miss. While Capital One's version is limited to its curated hotel collections, the execution appears more reliable and user-friendly than many similar programs.
How the Benefit Works in Practice
The fourth night free discount applies automatically during the booking process on Capital One Travel. For an eight-night stay, the benefit only applies once (not twice for every four nights), though Capital One's terms suggest it “may be repeatable based on duration of stay” at certain properties. For maximum savings on longer trips, consider splitting extended stays into separate four-night bookings.
Premier vs. Lifestyle Collection: Which Offers Better Value?
Premier Collection properties target luxury travelers with:
- $100 experience credit per stay
- Complimentary daily breakfast for two guests
- Priority room upgrades when available
- Early check-in and late checkout privileges
Lifestyle Collection focuses on boutique and design-forward hotels featuring:
- $50 experience credit per stay
- Room upgrades when available
- Early check-in and late checkout privileges
The Premier Collection generally offers better overall value, especially when you factor in the daily breakfast benefit. However, Lifestyle Collection properties often have more competitive base rates, making the fourth night free savings more impactful.
Earning Rates That Amplify the Value
What makes this benefit particularly attractive is the earning potential:
- Capital One Venture X Rewards Credit Card holders earn 10X miles per dollar on Capital One Travel bookings
[[ SINGLE_CARD * {"id": "2888", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Frequent Travelers", "headerHint" : "Luxurious Travel Benefits" } ]]
- Capital One Venture Rewards Credit Card holders earn 5X miles per dollar
[[ SINGLE_CARD * {"id": "438", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Frequent Travelers", "headerHint" : "High Travel Rewards" } ]]
Combined with the fourth night free savings, you're looking at substantial value on premium hotel stays. The elevated earning rates help offset the typically higher prices of Premier and Lifestyle Collection properties.
Smart Strategies for Maximum Savings
Compare Direct Rates: Always check the hotel's direct booking price against Capital One Travel. In my testing, Capital One often matched or beat direct rates even before applying the fourth night free discount.
Stack with Annual Credits: Venture X cardholders can apply their $300 annual travel credit toward these bookings, creating even deeper savings on luxury stays.
Plan Around Property Availability: The benefit only applies to participating hotels, so build your itinerary around available properties rather than trying to force it into existing travel plans.
Consider Split Bookings: For stays longer than eight nights, two separate four-night reservations might yield better savings than one extended booking.
Current Limitations to Consider
This benefit has some important restrictions:
- Must book a minimum of four consecutive nights
- Cannot be applied retroactively to existing reservations
- Not combinable with other offers unless specified
- Limited to select properties in the two collections
- If you shorten your stay, the discount may be removed
The property selection, while growing, is still relatively limited compared to booking directly with hotel chains. However, the quality of participating hotels appears consistently high.
Bottom Line: A Worthy Addition to Capital One's Travel Ecosystem
While it won't replace the flexibility of booking directly with hotels for every trip, this new benefit provides genuine value for travelers seeking premium experiences on longer stays. For Capital One Venture X Rewards Credit Card and Capital One Venture Rewards Credit Card holders, this benefit adds another reason to book through Capital One Travel, especially when planning those special trips where an extra night can transform a good vacation into an unforgettable one.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
