Best Hotel Credit Cards

Wyndham Rewards Visa Signature No Annual Fee Review

Rating: 5 Stars

Bottom Line:
For Frequent Wyndham Travelers Who Don’t Want To Pay An Annual fee

Card Details

Regular APR:	16.74%, 21.49%, or 26.49% (Variable)
Intro APR (Purchases):	0% APR on all Wyndham Timeshare Purchases for 6 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles for transfers in first 45 days
Rewards Rate:	Earn 13 total points per $1 spent on eligible purchases made at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target? and Walmart?) Earn 1 point per $1 spent on purchases everywhere else (excluding Wyndham timeshare down payments)
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 15,000 bonus points after your first purchase, enough for up to 2 Free Nights
7,500 ? 30,000 points are good for up to 1 bedroom per night, subject to availability. At participating hotels, 1 bedroom = 1 standard room. Resort fees may apply at Caesars hotels and cannot be paid with points
Earn 3 points per $1 spent on eligible purchases made at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties plus 10 points for every qualified stay at a Wyndham Rewards hotel or vacation club resort
Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target? and Walmart?)
Earn 1 point per $1 spent on purchases everywhere else (excluding Wyndham timeshare down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation!
Automatically receive a Wyndham Rewards Gold Membership and enjoy perks like preferred room selection, late checkout and more

Is Wyndham Rewards Visa Signature No Annual Fee worth it?

Wyndham Rewards Visa Signature No Annual Fee is a great card for people who stay at Wyndham properties from time to time. Wyndham operates 9,000+ hotels, including La Quinta, Ramada, Days Inn, Baymont, Super 8, Howard Johnson, Wyndham Vacation Rentals, and has partnerships with Caesars Entertainment hotels. Unlike the Wyndham Rewards Visa Signature Annual Fee, this no annual fee version does not have an anniversary point bonus.

The rewards rate is 13 points total per $1 at Wyndham properties and 2 points per $1 on eligible gas, utility and grocery store purchases (excluding Target and Walmart).

Hotel rewards rates generally offer a lot of points per $1. Wyndham Rewards Visa Signature No Annual Fee?s points are worth less than one cent per night. Take the Art Hotel Laguna Beach, part of the Trademark Collection by Wyndham hotel and considered a lifestyle hotel by Wyndham, one $110 night could be purchased for 15,000 points. That’s $.007 per point. A more upscale Wyndham brand, Cheyenne Mountain Resort Colorado Springs, A Dolce Resort, would cost 30,000 points for a $159 per night room, bringing the redemption even lower to $0.005.

You also receive Gold membership, including complimentary priority phone line at Member Services, preferred room selection, late checkout, and a 10% accelerated earning points bonus on bonus points at qualified stays. In plain English, this means you get 10% more points than the points you would have otherwise received for booking the stay.

There are two types of Wyndham Resorts redemption, Go Free, where you get the stay for free. and Go Free where you pay with a combination of points and cash. For longer stays, you can use multiple Go Free nights in a row, or you can use a Go Free night and then a Go fast night, although you may have to check out and check back in to achieve this, depending on the hotel.

The signup bonus of 15,000 points is enough for at least 1 night at hotels that are relatively upscale, as defined by Wyndham, and up to 2 nights at hotels that are relatively budget-oriented.

To decide if the card is worth renewing, let’s look at how much it takes to earn a free night. If you were to book 10 $110 nights with your Wyndham Rewards Visa Signature No Annual Fee card, you would receive one $110 night worth 15,000 points. In contrast, it would take you only 1 booking to get the free night with the annual fee version of this card, which costs $75 annually to renew and comes with 6,000 bonus points each year. That said, with no annual fee, there’s no downside to getting this card, and if you stay at Wyndham hotels enough to earn free nights, Wyndham Rewards Visa Signature No Annual Fee is a great card for you.

Pros

Earn 15,000 bonus points after your first purchase
Earn 3 points per $1 spent on eligible purchases made at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties
Automatically receive a Wyndham Rewards Gold Membership and enjoy perks like preferred room selection, late checkout and more
No foreign transaction fee

Cons

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

4 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with Wyndham Rewards Visa Signature No Annual Fee

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Wyndham Rewards Visa Signature Annual Fee Review

Rating: 5 Stars

Bottom Line:
For Wyndham Travelers Looking for the Highest Reward Rate

Apply Now

Card Details

Regular APR:	16.74%, 21.49% or 26.49% (Variable)
Intro APR (Purchases):	0% APR on all Wyndham Timeshare Purchases for 6 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles for transfers in first 45 days
Rewards Rate:	Earn 15 total points per $1 spent on eligible purchases made at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target and Walmart) Earn 1 point per $1 spent on purchases everywhere else (excluding Wyndham timeshare down payments)
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$75
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 15,000 bonus points after your first purchase. Plus, earn an additional 15,000 bonus points after you spend $1,000 on purchases within the first 90 days of account opening
7,500 ? 30,000 points are good for up to 1 bedroom per night, subject to availability. At participating hotels, 1 bedroom = 1 standard room. Resort fees may apply at Caesars hotels and cannot be paid with points
Earn 5 points per $1 spent on eligible purchases made at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties plus 10 points for every qualified stay at a Wyndham Rewards hotel or vacation club resort
Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target and Walmart)
Earn 1 point per $1 spent on purchases everywhere else (excluding Wyndham timeshare down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation!
Automatically receive a Wyndham Rewards Platinum Membership and enjoy perks like preferred room selection, late checkout and more
Earn 6,000 bonus points after your account anniversary each year

Is Wyndham Rewards Visa Signature Annual Fee worth it?

Wyndham Rewards Visa Signature Annual Fee is a great card for people who want the highest rewards rate and a point bonus towards a stay at Wyndham properties. Wyndham operates 9,000+ hotels, including La Quinta, Ramada, Days Inn, Baymont, Super 8, Howard Johnson, Wyndham Vacation Rentals, and has partnerships with Caesars Entertainment hotels.

The rewards rate is 15 points total per $1 at Wyndham properties and 2 points per $1 on eligible gas, utility and grocery store purchases (excluding Target and Walmart).

Hotel rewards rates generally offer a lot of points per $1. Wyndham Rewards Visa Signature Annual Fee?s points are worth less than one cent per night. Take the Art Hotel Laguna Beach, part of the Trademark Collection by Wyndham hotel and considered a lifestyle hotel by Wyndham, one $110 night could be purchased for 15,000 points. That’s $.007 per point. A more upscale Wyndham brand, Cheyenne Mountain Resort Colorado Springs, A Dolce Resort, would cost 30,000 points for a $159 per night room, bringing the redemption even lower to $0.005.

You also receive Platinum membership, including early check-in, preferred room selection, late checkout, and a 15% accelerated earning points bonus on bonus points at qualified stays. In plain English, this means you get 15% more points than the points you would have otherwise received for booking the stay.

The signup bonus of 30,000 points is enough for at least 2 nights at hotels that are relatively upscale, as defined by Wyndham, and up to 4 nights at hotels that are relatively budget-oriented.

If you want to redeem points for the upscale hotels, it will take a number of hotel stays, even with the high 15 points per $1 total rewards rate. For example, including the 15% bonus for being a Platinum member, it takes booking eleven $159 hotels with your Wyndham Rewards Visa Signature Annual Fee card to earn enough points to exceed the value needed for another $159 night worth 30,000 points.

If you stay at Wyndham hotels and want an annual point bonus to get you another stay along with the highest rewards rate, Wyndham Rewards Visa Signature Annual Fee is a great card for you.

Pros

Earn 15,000 bonus points after your first purchase. Plus, earn an additional 15,000 bonus points after you spend $1,000 on purchases within the first 90 days of account opening
Earn 5 points per $1 spent on eligible purchases made at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties
Automatically receive a Wyndham Rewards Platinum Membership and enjoy perks like preferred room selection, late checkout and more
Earn 6,000 bonus points after your account anniversary each year
No foreign transaction fee

Cons

$75 annual fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars. ?????

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with Wyndham Rewards Visa Signature Annual Fee

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IHG Rewards Club Premier Review

Rating: 4 Stars

Bottom Line:
Rewards for IHG Travelers

Apply Now

Card Details

Regular APR:	17.74% – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	25 points total per $1 spent when you stay at any of our 5,600+ Hotels & Resorts worldwide 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants 1 point per $1 spent on all other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$89
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 80,000 Bonus Points after spending $2,000 on purchases in the first 3 months from account opening
25 points total per $1 spent when you stay at any of our 5,600+ Hotels & Resorts worldwide
2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants
1 point per $1 spent on all other purchases
Automatic Platinum Elite Status as long as you remain an IHG Rewards Club Premier Cardmember
Save 20% on Point Purchases when you purchase points with your card
Fourth Reward Night Free when you redeem points for any stay of 4 or more nights
Anniversary Night at one of IHG’s eligible Hotels & Resorts worldwide, every year
Global Entry or TSA Pre Fee Credit: Earn 10,000 Bonus Points after you spend $20,000 on purchases and make one additional purchase each account anniversary year

Is IHG Rewards Club Premier worth it?

IHG Rewards Club Premier is a great card for travelers who stay at IHG hotels. IHG hotels include Holiday Inn, Candlewood Suites, Crowne Plaza, Kimpton, and InterContinental hotels. The sign up bonus is 80,000 Bonus Points after spending $2,000 on purchases in the first 3 months from account opening – that’s worth about 1 hotel stay.

You also get a fourth reward night free when you redeem points for any stay of 4 or more nights. With the $89 annual fee, you also get a free anniversary night at one of IHG’s eligible Hotels & Resorts worldwide, every year, Global Entry or TSA Pre Fee Credit, and 10,000 bonus points after you spend $20,000 on purchases and make one additional purchase each account anniversary year. The anniversary night alone will cover the annual fee.

While you can redeem points for airfare, in most cases you will get 1 mile for every 5 points, so it?s not a good decision, unless the points are worth one fifth of a cent. To find the value of IHG points, we found that a 1 King Bed Superior With Balcony room at the InterContinental: Los Angeles Century City hotel was available for $284 or 65,000 points. In this case, the points would be worth 0.4 cents per dollar. At 0.4 cents per point, the Intro bonus of 80,000 points would be valued at $320. 0.4 cents per point is not a high rewards rate, but not terrible considering the annual fee is only $89 and you also receive Platinum Elite Status, which is significantly more valuable than the IHG Rewards Club Traveler’s Gold status.

While Gold status gets you a 10% point bonus on paid stays, Platinum Elite status gets you a 50% bonus on paid stays, which is allotted on top of the base points you get from this card, 10 points per $1; therefore, you are earning an extra 5 more points per $1, which when combined with your 10 points per $1 for being an IHG Rewards Club Member, gets you 25 points per $1. It’s not the simplest reward structure, and you will need to purchase a lot of stays in order to get benefit.

For example, if you booked two 5-night stays at the hotel above or a hotel with the same value over the course of the year with IHG Rewards Club Premier, you would earn 25 x 2 nights x 5 stays x $284 x $0.004 dollars per point = $284: that’s 1 free night.

With that said, IHG does offer a program called PointBreaks, allowing cardholders to book two one-night stays for as little as 5,000 points each. The IHG website breaks the eligible hotels into 5,000, 10,000 and 15,000 point redemptions. Even the 15,000 point redemption give you an improved point value and that’s even if you consider the value of a one-night stay at 15,000 point hotels to be the same as standard hotels, let?s say $100.

PointBreaks is worth your time. If you stay at IHG hotels, and especially if you use PointBreaks, IHG Rewards Club Premier is a card you will want to get for the signup bonus and the annual free anniversary night, even with the $89 annual fee.

Pros

Earn 60,000 Bonus Points after spending $2,000 on purchases in the first 3 months from account opening
25 points total per $1 spent at 5,600+ Hotels & Resorts worldwide
No foreign transaction fee

Cons

Rewards rate is very high at 25X, but points can be worth less than one half cent each even when redeemed for hotels, their most valuable redemption.

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each transaction, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Trip Cancellation/Interruption Insurance

Get Started with IHG Rewards Club Premier

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Radisson Rewards Visa Review

Rating: 4 Stars

Bottom Line:
Rewards at Radisson Hotels

Apply Now

Card Details

Regular APR:	15.74 – 24.74 (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	10 points per $1 spent in eligible net purchases at participating Radisson Family of Hotels Because the card offers automatic Gold status, cardholders are granted 25 extra points per $1 spend on eligible stays and food and beverage purchases charged to your room during an eligible stay, bringing the total rewards rate to 35 points per $1 on those purchases 5 points per $1 spent in eligible net purchases everywhere else
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$75
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
3 points per $1 spent in eligible net purchases at participating Radisson Family of Hotels worldwide
1 point per $1 spent in eligible net purchases everywhere else
30,000 bonus points – after you spend $1,000 on your card within the first 90 days – good for up to 3 Free Award Nights worldwide
Earn one Free Night E-Cert for each $10,000 in spend (up to $30,000), when you renew your card

Is Radisson Rewards Visa worth it?

Radisson Rewards Visa Card is a solid card for travelers who stay at Radisson hotels. Cardholders earn 3 points per $1 spent in eligible net purchases at participating Radisson Family of Hotels. You also earn 30,000 points after your first purchase, which is worth about 3 stays in a standard room at a Category 1 hotel (a single stay in a standard room at a Category 1 hotel is 9,000 points).

If you book one of these standard room stays at a Category 1 with points from your Radisson Rewards Premier Visa Signature Card, which would typically cost about $150 based on our research, each point would be worth more than one and a half cents. It’s not the best hotel point value, but it’s much better than paying cash. For travelers who use their points, Radisson Rewards Premier Visa Signature is well worth making purchases with considering it has no annual fee.

Pros

30,000 bonus points – after you spend $1,000 on your card within the first 90 days
Earn one Free Night E-Cert for each $10,000 in spend (up to $30,000), when you renew your card by paying the annual fee
Radisson Rewards has airline transfer partners, including Air Canada, American Airlines, British Airways, Delta Air Lines, Frontier, Japan Airlines, and more than 10 more.

Cons

Foreign transaction fee
Free night E-Certs expire 12 months from the date of issuance
No Radisson Rewards loyalty program Gold tier upgrade, which is a perk offered by the $75 annual fee Radisson Rewards Premier Visa Signature Card. However, it’s free to join the Radisson Rewards loyalty program without Radisson Rewards Premier Visa Signature and you automatically receive Club status upon joining, at which point you get 20 points for hotel stay per $1 spent on eligible stays and food and beverage purchases charged to your room during an eligible stay. This is a more specific rewards criteria but one that is much more valuable than the 3 points per $1 spent in eligible net purchases at participating Radisson Family of Hotels worldwide you get with Radisson Rewards Visa Card

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	2%
Balance Transfer Fee	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 4% of the amount of each advance or $5 minimum, whichever is greater.
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel and Emergency Assistance

Get Started with Radisson Rewards Visa

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Radisson Rewards Premier Visa Signature Review

Radisson-Rewards-Premier-Visa-Signature-Card

Rating: 4 Stars

Bottom Line:
Rewards at Radisson Hotels

Apply Now

Card Details

Regular APR:	15.74 – 24.74 (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	10 points per $1 spent in eligible net purchases at participating Radisson Family of Hotels Because the card offers automatic Gold status, cardholders are granted 25 extra points per $1 spend on eligible stays and food and beverage purchases charged to your room during an eligible stay, bringing the total rewards rate to 35 points per $1 on those purchases 5 points per $1 spent in eligible net purchases everywhere else
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$75
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
10 points per $1 spent in eligible net purchases at participating Radisson Family of Hotels
5 points per $1 spent in eligible net purchases everywhere else
Up to 85,000 bonus points – receive 50,000 points after your first purchase plus 35,000 points once you spend $2,500 on your card within the first 90 days – good for up to 9 Free Award Nights worldwide
40,000 renewal points each year when you renew your card
Earn up to 3 free nights! Earn one Free Night E-Cert for each $10,000 in spend (up to $30,000), when you renew your card by paying the Annual Fee
Each E-Cert is valid for one night in one standard room, double occupancy booked on a Radisson Family of Hotels website using the unique E-Cert code provided
Your Radisson Rewards membership will be upgraded to Gold status after you activate and use your card. Already reached Gold or Platinum Status? You will receive 15 qualifying nights toward obtaining or maintaining Platinum status after you activate and use your new card

Is Radisson Rewards Premier Visa Signature worth it?

Radisson Rewards Premier Visa Signature Card is a great card for travelers who stay at Radisson hotels. Cardholders earn 10 points per $1 spent at participating Radisson Family of Hotels and earm 5 points per $1 spent everywhere else. Because the card offers automatic Gold status, cardholders are granted 25 extra points per $1 spend on eligible stays and food and beverage purchases charged to your room during an eligible stay, bringing the total rewards rate to 35 points per $1.

You also get 50,000 points after your first purchase, which is worth about 5 stays in a standard room at a Category 1 hotel (a single stay in a standard room at a Category 1 hotel is 9,000 points). If you book one of these standard room stays at a Category 1 with points from your Radisson Rewards? Premier Visa Signature? Card, which would typically cost about $150 based on our research, each point would be worth more than one and a half cents. It?s not the best hotel point value, but it?s much better than paying cash.

More impressive is the fact that you could spend $260 on Radisson purchases, for example on a $200 one-night hotel stay and another $60 of food and beverage purchases charged to your room during an eligible stay, and because cardholders have a rewards rate of 35 points per $1 when you combine Gold status and the Radisson Rewards Premier Visa Signature 10 point per $1 reward rate, you earn over 9,000 points just with that one-night stay, enough for another free night. For travelers who use their points, Radisson Rewards Premier Visa Signature is well worth the $75 annual fee.

Pros

Up to 85,000 bonus points – receive 50,000 points after your first purchase plus 35,000 points once you spend $2,500 on your card within the first 90 days – this is worth 9 free award nights worldwide at Category 1 hotels, which have standard hotel rooms
Earn one Free Night E-Cert for each $10,000 in spend (up to $30,000), when you renew your card by paying the annual fee
Radisson Rewards has airline transfer partners, including Air Canada, American Airlines, British Airways, Delta Air Lines, Frontier, Japan Airlines, and more than 10 more.

Cons

Free night E-Certs expire 12 months from the date of issuance

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	2%
Balance Transfer Fee	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 4% of the amount of each advance or $5 minimum, whichever is greater.
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with Radisson Rewards Premier Visa Signature

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Marriott Bonvoy Business American Express Review

Marriott-Bonvoy-Business-American-Express-Card

Rating: 5 Stars

Bottom Line:
Free Hotel Nights for Business Owners with Marriott Rewards

Apply Now

Card Details

Regular APR:	17.49% – 26.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 6X points for each dollar of eligible purchases at participating Marriott Bonvoy hotels Earn 4X points for each dollar of eligible purchases at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers & on U.S. purchases for shipping Earn 2X points on all other eligible purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$125
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 75,000 Bonus Points with the Marriott Bonvoy Business American Express Credit Card after you spend $3,000 on purchases in the first 3 months from account opening
Earn 6X points for each dollar of eligible purchases at participating Marriott Bonvoy hotels
Earn 4X points for each dollar of eligible purchases at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers & on U.S. purchases for shipping
Earn 2X points on all other eligible purchases
Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel
Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, spend $35,000 on eligible purchases on your Card in a calendar year and earn an upgrade to Marriott Bonvoy Gold Elite status through the end of the next calendar year
Each calendar year you can receive credit for 15 nights towards the next level of Marriott Bonvoy Elite status. Limit one 15 Elite Night Credit per Marriott Bonvoy member

Is Marriott Bonvoy Business American Express worth it?

Marriott Bonvoy Business American Express is a great card for Marriott business travelers. The signup bonus is 75,000 Bonus Points after you spend $3,000 on purchases in the first 3 months – that’s more than 2 nights of standard hotel room nights. You also get a free standard room night every year after you renew. The rewards rate is solid for business owners with expenses who stay at Marriot: cardholders earn 6X points for every $1 spent at participating Marriott Bonvoy hotels and 4X points for each dollar of eligible purchases at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers & on U.S. purchases for shipping.

Pros

75,000 Bonus Points with the Marriott Bonvoy Business American Express after you spend $3,000 on purchases in the first 3 months
Earn 6X points for every $1 spent at over participating Marriott Bonvoy hotels, including Marriott, The Ritz-Carlton, Westin, Courtyard, Residence Inn, and more
No foreign transaction fee

Cons

$125 annual fee
Penalty APR

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $5 or 3% of the amount of each cash advance, whichever is greater
Penalty APR	29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Concierge Service

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Trip Delay Reimbursement

Get Started with Marriott Bonvoy Business American Express

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Marriott Bonvoy Brilliant American Express Review

Rating: 5 Stars

Bottom Line:
Free Hotel Nights and Perks with Marriott Rewards

Apply Now

Card Details

Regular APR:	17.49% – 26.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 6X Marriot Bonvoy points on eligible purchases at participating Marriott Bonvoy hotels Earn 3X Marriot Bonvoy points at U.S. restaurants and on flights booked directly with airlines Earn 2X points per $1 spent on all other purchases Points don’t expire as long as you make purchases on your credit card every 24 months
Credit Needed:	(740 – 850) Excellent
Annual Fee:	$450
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 75,000 bonus Marriot Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months
Earn 6X Marriot Bonvoy points on eligible purchases at participating Marriott Bonvoy hotels
Earn 3X Marriot Bonvoy points at U.S. restaurants and on flights booked directly with airlines
Earn 2X points per $1 spent on all other purchases
Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels
Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees
Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card. Earn Marriott Bonvoy Platinum Elite status after making $75,000 in eligible purchases on your Card in a calendar year
Each calendar year you can receive credit for 15 nights towards the next level of Marriott Bonvoy Elite status. Limit one 15 Elite Night Credit per Marriott Bonvoy member account.
With your Marriott Bonvoy Brilliant American Express? Card, you can enroll in Priority Pass Select, which offers access to over 1,200 lounges in over 120 countries, regardless of which carrier or class you are flying
Receive either a $100 statement credit for Global Entry or an $85 credit for TSA Pre. TSA Pre can expedite security screening and Global Entry can reduce wait time at U.S. Customs at select airports. If you are approved for Global Entry, you will also receive access to TSA Pre.

Is Marriott Bonvoy Brilliant American Express worth it?

Marriott Bonvoy Brilliant from American Express is a great card for Marriott travelers with a lot of hotel perks. The signup bonus is 75,000 Bonus Points with the Marriott Bonvoy Brilliant American Express after you spend $3,000 on purchases in the first 3 months – that’s more than 2 nights of standard hotel room nights. You also get a free room night every year after you renew for rooms valued at up to 50,000 points: this is a higher room value than what you get with the lower-tier Marriott Bonvoy Boundless card.

To offset the Marriott Bonvoy Brilliant American Express’ $450 annual fee, you also get $300 of statement credits each year that can be used for hotel bookings or for purchases at the hotel during your stay. As a cardholder you automatically earn Marriott Bonvoy Gold Elite status, so you get perks like 25% bonus points on hotel stays, room upgrade opportunities, 2pm checkout, and the fastest internet connection they have for free. The rewards rate is solid too: cardholders earn 6X points for every $1 spent at Marriott Bonvoy? hotels.

Pros

$300 in statement credits each year of Card Membership
75,000 Bonus Points with the Marriott Bonvoy Brilliant American Express after you spend $3,000 on purchases in the first 3 months
6X points for every $1 spent at over 7,000 participating Marriott Bonvoy hotels, including Marriot, The Ritz-Carlton, Westin, Courtyard, Residence Inn, and more
Complimentary Marriott Bonvoy Gold Elite status
No foreign transaction fee

Cons

$450 annual fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each transaction, whichever is greater
Penalty APR	29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Concierge Service

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Trip Delay Reimbursement

Get Started with Marriott Bonvoy Brilliant American Express

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Marriott Bonvoy Boundless Visa Signature Review

Rating: 5 Stars

Bottom Line:
Reasonable Annual Fee For Frequent Marriott Travelers

Apply Now

Card Details

Regular APR:	17.74% – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 6X points for every $1 spent at over 7,000 participating Marriott Bonvoy hotels Earn 2X points per $1 spent on all other purchases Points don’t expire as long as you make purchases on your credit card every 24 months
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$95
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 100,000 Bonus Points with the Marriott Bonvoy Boundless Visa Signature after you spend $5,000 on purchases in the first 3 months from account opening
Earn 6X points for every $1 spent at over 7,000 participating Marriott Bonvoy hotels
Earn 2X points per $1 spent on all other purchases
Enjoy a Free Night Award every year after your account anniversary, valid for a one night hotel stay at a property with a redemption level up to 35,000 points
Automatic Silver Elite Status: With your Marriott Bonvoy Boundless Visa Signature, you are given automatic Silver Elite Status
15 Elite Night Credits: receive 15 Elite Night Credits each calendar year. Restrictions apply

Is Marriott Bonvoy Boundless worth it?

Marriott Bonvoy Boundless is a great card for Marriott travelers. For a limited time the signup bonus is 100,000 Bonus Points with the Marriott Bonvoy Boundless Visa Signature after you spend $5,000 on purchases in the first 3 months – that’s more than 3 nights of standard hotel room nights. You also get a free standard room night every year after you renew. The rewards rate is solid: cardholders earn 6X points for every $1 spent at Marriot Bonvoy hotels.

Pros

100,000 Bonus Points with the Marriott Bonvoy Boundless Credit Card after you spend $5,000 on purchases in the first 3 months
Earn 6X points for every $1 spent at over 7,000 participating Marriott Bonvoy hotels, including Marriot, The Ritz-Carlton, Westin, Courtyard, Residence Inn, and more
No foreign transaction fee

Cons

$95 annual fee
No other rewards categories to earn points, just 6x for hotel stays and then 2x on everything else

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Concierge Service

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Trip Delay Reimbursement

Get Started with Marriott Bonvoy Boundless

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Marriott Bonvoy Bold Review

Rating: 5 Stars

Bottom Line:
No Annual Fee Marriott Rewards

Apply Now

Card Details

Regular APR:	17.74% – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 3X points for every $1 spent at over 7,000 participating Marriott Bonvoy hotels Earn 2X points for every $1 you spend on other travel purchases (from airfare to taxis and trains) Earn 1X point for every $1 you spend on all other purchases Points don’t expire as long as you make purchases on your credit card every 24 months
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
30,000 Bonus points after you spend $1,000 on purchases in your first 3 months from your account opening with your Marriott Bonvoy Bold credit card
Earn 3X points for every $1 spent at over 7,000 participating Marriott Bonvoy hotels
Earn 2X points for every $1 you spend on other travel purchases (from airfare to taxis and trains). Plus, earn 1X point for every $1 you spend on all other purchases and your points don?t expire as long as you make purchases on your credit card every 24 months
Receive 15 Elite Night Credits annually, qualifying you for Silver Elite status. Restrictions apply
No annual fee

Is Marriott Bonvoy Bold worth it?

Marriott Bonvoy Bold is a solid card for Marriott travelers. The rewards rate is low for a hotel card, but on the other hand there is no annual fee. Cardholders earn 3X points for every $1 spent at Marriot Bonvoy hotels. Finding locations to earn points is easy with over 7,000 participating Marriott Bonvoy hotels, and earning 15 Elite Night credits for getting the card is a nice bonus because it qualifies you for automatic Silver Elite status. Silver Elite status includes a 10% points bonus, late checkout when it is available, a dedicated elite reservation line, free in-room wi-fi, and no blackout dates when you redeem your points for free hotel nights.

Pros

30,000 Bonus points after you spend $1,000 on purchases in your first 3 months
Earn 3X points for every $1 spent at over 7,000 participating Marriott Bonvoy? hotels
No foreign transaction fee

Cons

Low rewards rate for a hotel card

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Concierge Service

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Trip Delay Reimbursement

Get Started with Marriott Bonvoy Bold

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IHG Rewards Club Traveler Review

Rating: 5 Stars

Bottom Line:
Starter Rewards for IHG Travelers

Apply Now

Card Details

Regular APR:	17.74% – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	15 points total per $1 spent when you stay at any of our 5,600+ Hotels & Resorts worldwide 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants 1 point per $1 spent on all other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 60,000 Bonus Points after spending $2,000 on purchases in the first 3 months from account opening
15 points total per $1 spent when you stay at any of our 5,600+ Hotels & Resorts worldwide
2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants
1 point per $1 spent on all other purchases
Gold Elite Status once you spend $10,000
Save 20% on Point Purchases when you purchase points with your card
Fourth Reward Night Free when you redeem points for any stay of 4 or more nights

Is IHG Rewards Club Traveler worth it?

IHG Rewards Club Traveler is a great card for travelers who stay at IHG hotels. IHG hotels include Holiday Inn, Candlewood Suites, Crowne Plaza, Kimpton, and InterContinental hotels. The sign up bonus is 60,000 Bonus Points after spending $2,000 on purchases in the first 3 months from account opening – that’s worth about 1 hotel stay. There are limited perks with this no annual fee card, but you do get a fourth reward night free when you redeem points for any stay of 4 or more nights.

Pros

Earn 60,000 Bonus Points after spending $2,000 on purchases in the first 3 months from account opening
15 points total per $1 spent when you stay at any of our 5,600+ Hotels & Resorts worldwide
No annual fee

Cons

Limited perks compared to IHG Rewards Club Premier

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each transaction, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Trip Cancellation/Interruption Insurance

Get Started with IHG Rewards Club Traveler

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Hilton Honors American Express Surpass Review

Hilton-Honors-American-Express-Surpass-Card

Rating: 5 Stars

Bottom Line:
Starter Rewards for Hilton Travelers

Apply Now

Card Details

Regular APR:	17.49% – 26.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 12x Hilton Honors bonus points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio Earn 6x Hilton Honors bonus points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations Earn 3x Hilton Honors bonus points on all other eligible purchases
Credit Needed:	(740 – 850) Excellent
Annual Fee:	$95
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 125,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card within your first 3 months of Card Membership
Earn 12x Hilton Honors bonus points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
Earn 6x Hilton Honors bonus points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
Enjoy complimentary Hilton Honors Gold status with your Hilton Honors Surpass Card. Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year
Enjoy one weekend night reward with your new Hilton Honors American Express Aspire Card and every year after renewal. Plus, earn an additional night after you spend $60,000 on purchases on your Card in a calendar year
Earn a Free Weekend Night Reward from Hilton Honors when you spend $15,000 on eligible purchases on your Card in a calendar year
Wherever your travels take you, relax with complimentary Priority Pass Select membership and get access to 1200+ airport lounges. Plus, get 10 free lounge visits every year once enrolled

Is Hilton Honors American Express Surpass worth it?

Hilton Honors American Express Surpass Card is a great $95 annual fee card for Hilton travelers that also includes a few perks, for example you get 10 free passes to Priority Pass airport lounges. For rewards, you earn 12x Hilton Honors bonus points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio. The card comes with complimentary Gold status, which allows you to earn 8 more points per $1 you spend with Hilton. You get 10 base points for being a member and 8 more points for Gold Status. Even when you account for the value of Hilton points being lower than average – about one half cent per point or less – in total you are receiving an excellent hotel rewards rate.

Pros

Earn 125,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card within your first 3 months of Card Membership
Earn 12x Hilton Honors bonus points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
Earn 6x Hilton Honors bonus points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
Wherever your travels take you, relax with complimentary Priority Pass Select membership and get access to 1200+ airport lounges. You receive 10 free lounge visits every year once enrolled
Earn a Free Weekend Night Reward from Hilton Honors when you spend $15,000 on eligible purchases on your Card in a calendar year
No foreign transaction fees

Cons

$95 annual fee
Purchases made through 3rd-party booking sites will not receive 12x points – purchases must be made directly with hotels and resorts in the the Hilton portfolio to receive this rate

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Insurance Plan

Concierge Service

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Hilton Honors American Express Surpass

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Hilton Honors American Express Review

Rating: 5 Stars

Bottom Line:
No Annual Fee for Hilton Travelers

Apply Now

Card Details

Regular APR:	17.49% – 26.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 7x Hilton Honors bonus points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio Earn 5x Hilton Honors bonus points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations Earn 3x Hilton Honors bonus points on all other eligible purchases
Credit Needed:	(740 – 850) Excellent
Annual Fee:	None
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership
Earn 7x Hilton Honors bonus points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
Earn 5x Hilton Honors bonus points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
Earn 3x Hilton Honors bonus points on all other eligible purchases
Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year

Is Hilton Honors American Express worth it?

Hilton Honors American Express Card is a solid card for Hilton travelers with no annual fee. Cardholders earn 7x Hilton Honors bonus points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio. The card comes with complimentary Silver status, but if you spend $20,000 on eligible purchases on your Card in a calendar year you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year, which allows you to earn 8 more points per $1 you spend with Hilton. You get 10 base points for being a member and 8 more points for Gold Status. Even when you account for the value of Hilton points being lower than average – about one half cent per point or less – in total you are receiving an excellent hotel rewards rate.

Pros

Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership
Earn 5x Hilton Honors bonus points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year
No foreign transaction fees
No annual fee

Cons

Purchases made through 3rd-party booking sites will not receive 7x points – purchases must be made directly with hotels and resorts in the the Hilton portfolio to receive this rate

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Insurance Plan

Concierge Service

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Hilton Honors American Express

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Hilton Honors American Express Business Review

Hilton Honors American Express Business Card

Rating: 5 Stars

Bottom Line:
Rewards for Hilton Business Travelers

Apply Now

Card Details

Regular APR:	17.49% – 26.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	12X points per dollar for purchases made directly with hotels and resorts in the Hilton portfolio 6X Points per dollar on select business purchases at U.S. gas stations, on wireless telephone services purchases directly from U.S. service providers, and on U.S. purchases for shipping 6X Points, per dollar on select travel purchases, at U.S. restaurants, on flights booked directly with airlines or with Amex Travel, and on car rentals booked directly from select car rental companies 3X Points per dollar on other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$95
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors Business Card after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership
12X points per dollar for purchases made directly with hotels and resorts in the Hilton portfolio
6X Points per dollar on select business purchases at U.S. gas stations, on wireless telephone services purchases directly from U.S. service providers, and on U.S. purchases for shipping
6X Points, per dollar on select travel purchases, at U.S. restaurants, on flights booked directly with airlines or with Amex Travel, and on car rentals booked directly from select car rental companies, and 3X Points per dollar on other purchases
Complimentary Hilton Honors Gold Status: Enjoy even more perks as a Hilton honors Gold member, like an 80% bonus on all Base Points, space-available room upgrades and more
Rest up with a Free Weekend Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card account in a calendar year
10 Free Priority Pass Visits: Whether you just want to relax or get work done, you?ll have 10 free visits to over 1,000 Priority Pass airport lounges every year

Is Hilton Honors American Express Business worth it?

Hilton Honors American Express Business Card is a great card for Hilton business travelers. Cardholders earn 12x Hilton Honors bonus points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio. The card comes with complimentary Gold status, which allows you to earn 18 more points per $1 you spend with Hilton. You get 10 base points for being a member and 8 more points for Gold Status. Even when you account for the value of Hilton points being lower than average – about one half cent per point or less – in total you are receiving an excellent hotel rewards rate.

Pros

Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors Business Card after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership
Rest up with a Free Weekend Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card account in a calendar year
No foreign transaction fee
10 Free Priority Pass Visits: Whether you just want to relax or get work done, you?ll have 10 free visits to over 1,000 Priority Pass airport lounges every year

Cons

$95 annual fee
Purchases made through 3rd-party booking sites will not receive 12x points – purchases must be made directly with hotels and resorts in the the Hilton portfolio to receive this rate

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Insurance Plan

Concierge Service

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Hilton Honors American Express Business

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Hilton Honors American Express Aspire Review

Hilton Honors American Express Aspire Card

Rating: 5 Stars

Bottom Line:
High Rewards for Hilton Travelers

Apply Now

Card Details

Regular APR:	17.49% – 26.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 14x Hilton Honors bonus points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio Earn 7x Hilton Honors bonus points on eligible purchases on your Card for flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies, and U.S. restaurants Earn 3x Hilton Honors bonus points on all other eligible purchases
Credit Needed:	(740 – 850) Excellent
Annual Fee:	$450
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership
Earn 14x Hilton Honors bonus points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio
Earn 7x Hilton Honors bonus points on eligible purchases on your Card for flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies, and U.S. restaurants
With your Hilton Honors Aspire Card, you can enjoy complimentary Diamond status which includes even more perks from Hilton, such as 100% extra Bonus Points on all Base Points you earn, room upgrades, and more
Enjoy one weekend night reward with your new Hilton Honors American Express Aspire Card and every year after renewal. Plus, earn an additional night after you spend $60,000 on purchases on your Card in a calendar year
With your Hilton Honors American Express Aspire Card, enjoy up to $250 in statement credits each year of Card Membership for eligible purchases at participating Hilton Resorts
Relax with unlimited lounge visits for you and up to 2 guests per visit once enrolled in complimentary Priority Pass Select membership, which offers access to over 1,000 airport lounges around the world
With the Hilton Honors Aspire Card you can also take advantage of the $250 Airline Fee Credit for incidental charges that are charged by the airline to your Card

Is Hilton Honors American Express Aspire worth it?

Hilton Honors American Express Aspire Card is a great card for Hilton travelers. Cardholders earn 14x Hilton Honors bonus points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio. The card comes with complimentary Diamond status, which allows you to earn 20 more points per $1 you spend with Hilton. You get 10 base points for being a member and 10 more points for Diamond Status. Even when you account for the value of Hilton points being lower than average – about one half cent per point or less – in total you are receiving an excellent hotel rewards rate.

Pros

Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership
Enjoy one weekend night reward with your new Hilton Honors American Express Aspire Card and every year after renewal
Relax with unlimited lounge visits for you and up to 2 guests per visit once enrolled in complimentary Priority Pass Select membership, which offers access to over 1,000 airport lounges around the world
No foreign transaction fees

Cons

$99 annual fee
Few travel perks besides one-time 50% off companion ticket
Only cardholder gets free checked bag

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Insurance Plan

Concierge Service

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Hilton Honors American Express Aspire

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Chase World of Hyatt Credit Card Review

Rating: 5 Stars

Bottom Line:
Rewards for Hyatt Travelers

Apply Now

Card Details

Regular APR:	17.74% – 24.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	4 Bonus Points per $1 spent at Hyatt hotels. World of Hyatt members with the Chase World of Hyatt Credit Card earn 9 points – that is an additional 5 points – per $1 spent at Hyatt hotels. It is free to sign up to become a World of Hyatt member. 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships. Plus, earn 1 Bonus Point per $1 spent on all other purchases.
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$95
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 25,000 Bonus Points after $3,000 in purchases within 3 months of account opening. Plus, earn an additional 25,000 Bonus Points after $6,000 total in Purchases within 6 months of account opening. That’s enough for up to 10 Free Nights at category 1 hotels. Free nights start at just 5,000 Points!
Earn Bonus Points on every purchase
4 Bonus Points per $1 spent at Hyatt hotels.
2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships.
Plus, earn 1 Bonus Point per $1 spent on all other purchases.
Points don’t expire as long as your World of Hyatt Credit Card account is open.
Receive one free night at any Category 1-4 Hyatt hotel or resort every year after your cardmember anniversaryEarn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year

Is Chase World of Hyatt Credit Card worth it?

Chase World of Hyatt Credit Card is a great card for Hyatt travelers. Cardholders earn 25,000 Bonus Points after $3,000 in purchases within 3 months of account opening. Plus, cardholders earn an additional 25,000 Bonus Points after $6,000 total in Purchases within 6 months of account opening. That?s enough for up to 10 Free Nights at category 1 hotels. Note that hotels in premium locations are likely higher than category 1. Your points will redeem for fewer than 10 nights at those hotels, but this sign up bonus is still excellent for Hyatt travelers.

Pros

Receive one free night at any Category 1-4 Hyatt hotel or resort every year after your cardmember anniversary. This perk has no blackout dates, so you can stay in any Category 1-4 room – that means any standard room – once every year for free, any time of the year.
Hyatt properties include Andaz, Hyatt Place, Miraval, and Park Hyatt
No foreign transaction fee

Cons

Redemption options mostly limited to hotel stays – you can transfer points to airline partners but you only get one mile for every 2.5 points you transfer
Hotel locations are somewhat limited: Hyatt has more than 600 locations, but Hilton has more than 5000 and Marriot has more than 6000

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each transaction, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Emergency Assistance

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Trip Cancellation/Interruption Insurance

Get Started with Chase World of Hyatt Credit Card

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Best Credit Cards for Excellent Credit
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