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☆ How I Get Eight Free Hotel Nights Every Year Without Doing Anything
▼ + stars: | 2023-10-28 | by ( Ben Luthi | ) www.wsj.com time to read: +10 min

So long as you pay the annual fee, many hotel credit cards offer one free night each year. Before discovering free night credits, I stayed at my fair share of motels with rock-hard beds and paper-thin walls. However, as my life and finances evolved, the benefit of my free night certificates has become about more than saving money. My hotel credit card collectionYou probably don’t need eight hotel cards. Key perks: Annual free night award, fourth night free on consecutive award redemptions, automatic IHG® Platinum status, $100 trusted traveler program application fee credit every four years.

Persons: Ben Luthi, I’ve, ”, you’ll, ’, we’ve, I’m, you’re, Wyndham Wyndham, Wyndham Organizations: Nintendo, Card, Marriott Marriott, Marriott, California — Marriott, Marriott Bonvoy, Business, Residence, Ritz, Carlton, Hilton Hilton Honors Aspire, Hilton, Hilton Resort, Honors, Diamond, Las, Hyatt, Hyatt Credit, Hyatt House, Hyatt Card, Hyatt Regency, Grand Hyatt, Wyndham Locations: Sandy , Utah, Hilton, Park City, Marriott, California, Fairfield, Vegas, Seattle, Alaska, Grand, Wyndham

The Ritz-Carlton Rewards® Credit Card is still available as an upgrade from the Marriott Bonvoy Boundless® Credit Card or Marriott Bonvoy Bold® Credit Card . You can find Priority Pass lounges and restaurants by searching for your airport on the Priority Pass website or through the Priority Pass app. Priority Pass LoungesTypically, airport lounges in the Priority Pass network are off-limits to the general public unless you have access through a membership, airline ticket, elite status, or via a paid day pass. Priority Pass Restaurants, Cafés, Spas, and MoreIn addition to airport lounges, the Priority Pass network includes restaurants and cafés at airports like Houston (IAH) and San Francisco (SFO). Credit Cards With Priority Pass Frequently Asked Questions (FAQ)Is Priority Pass membership automatic when you open an eligible credit card?

☆ How to earn, redeem, and maximize Hilton Honors rewards points — from luxurious Conrad resorts to family-friendly Hampton Inns, there are options for every traveler
▼ + stars: | 2023-02-10 | by ( Carissa Rawson | Freelance Writer | Read More | ) www.businessinsider.com time to read: +44 min

How to earn Hilton rewards pointsHilton has two main categories of points: bonus points, which help you earn rewards via special promotions, and elite-qualifying base points. You can do so at the following ratios:HawaiianMiles : 1 HawaiianMile = 1.5 Hilton Honors points: 1 HawaiianMile = 1.5 Hilton Honors points Virgin Atlantic Flying Club: 1 Virgin Atlantic point = 1.5 Hilton Honors pointsEarn Hilton points through your elite statusJoining Hilton Honors can be especially lucrative if you're on the road often. Finally, Lyft and Hilton have teamed up to offer 3x Hilton Honors points on Lyft rides, or 2x Hilton points for shared Lyft rides. Redeem Hilton Honors points for event creditsIt's also possible to redeem your points for events at a Hilton, though this isn't generally considered a good way to maximize your Hilton points value. Here's how much the credits cost:25,000 points = $5050,000 points = $10075,000 points = $150125,000 points = $250250,000 points = $500Exchange Hilton points for airline milesIf you'd rather have airline or rail points, you have the option to transfer Hilton points to partner airlines, though redemption rates vary.

Review: Is the Hilton Honors Surpass Card the Best Credit Card for You? The Hilton Honors American Express Surpass® Card earns terrific rewards rates in multiple categories like Hilton hotel bookings, restaurants, gas stations, and more. Redeem Hilton points for experiences, events, merchandise, and moreOther options for redeeming Hilton points also won't get you the highest value, but they could be helpful in certain circumstances:Hilton experiences — Use points for exclusive events, dining, and toursUse Hilton points for event credits — Starting at 25,000 points for up to $50 creditRedeem Hilton points at Amazon — A poor value; you'll get just 0.2 cents per pointDonate Hilton points to charity — For every 10,000 points you donate, Hilton will send $25 to a charity of your choiceUse Hilton points toward Lyft rides — Again, not the best value; you'll typically get around 0.2 cents per pointPool or transfer Hilton points to a friend — Send up to 2 million points per year to friends or family with no fee, or pool your points with up to 11 people to save for a redemptionHilton points expire if there's no activity in your account for 24 months. Read our review Read Our Review A looong arrow, pointing rightFees and CostsThe Hilton Honors American Express Surpass® Card has a 20.24% - 29.24% Variable APR. So, for example, if you already have The Hilton Honors American Express Business Card, Hilton Honors American Express Card, or Hilton Honors American Express Aspire Card, you could still qualify for the Hilton Honors American Express Surpass® Card.

Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Automatic Marriott Gold elite status (room upgrades and late checkout when available, bonus points on stays) Check mark icon A check mark. 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy. Cardholders receive automatic Hilton Gold status, which opens the door to perks like free breakfast (food and beverage credit at US hotels), bonus points, and room upgrades. With Gold status, you'll get perks like a 10% points bonus on paid stays, late checkout when available, and access to preferred rooms.

American Express issues four co-branded Hilton credit cards, but only one — the Hilton Honors American Express Card — has a $0 annual fee. For example, the Hilton Honors American Express Surpass® Card and The Hilton Honors American Express Business Card also have excellent elevated welcome bonus offers and come with Hilton Gold status, which gets you free breakfast (currently awarded as a food and beverage credit at US hotels) and better perks. Amex OffersLike other American Express cards, the Hilton Honors American Express Card includes targeted discounts and bonus rewards at participating merchants through Amex Offers**. However, if you stay at Hilton hotels with any regularity, a card like the Hilton Honors American Express Surpass® Card or The Hilton Honors American Express Business Card is a better choice. The Hilton Honors American Express Card is a great card for those who are skeptical about the value of travel rewards credit cards.

As a newly minted Airman, I was floored when I first found out about all the credit card perks active duty military members receive. Note that credit card lenders may use many different variations of credit score models when considering your application. Review: IHG Rewards Premier credit card reviewBest Discover Cards for Military MembersWhile Discover credit cards don't actually charge any annual fees — it's one of their hallmarks — they've outdone much of the competition by eliminating all over-limit and late fees for active-duty military credit cards. Review: Navy Federal Flagship Rewards credit card reviewBest Credit Cards for Active-duty Military Frequently Asked Questions (FAQ)Are military credit cards guaranteed approval? Military members will have their credit vetted just as anyone who applies for a credit card.

$95 Apply now On Wells Fargo's website Apply now On Citi's website Apply now On Chase's websiteHere are the cheapest ways to get a family to Hawaii on points and miles. HiltonFor the highest Hilton credit card welcome bonus, look no further than the Hilton Honors American Express Aspire Card . You can also utilize miles from the Capital One Venture Rewards Credit Card to cover the cost of activities. Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Pay these rewards with your Capital One Venture Rewards Credit Card and redeem miles toward statement credits.

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. $95 Apply now On Wells Fargo's website Learn More Apply now On Chase's websiteHow to earn points with the Amex Marriott Bonvoy Brilliant cardThe Marriott Bonvoy Brilliant® American Express® Card offers a straightforward earning structure, earning bonus points at eligible Marriott Bonvoy properties and in other useful categories. Read our review Read Our Review A looong arrow, pointing rightMarriott Bonvoy Brilliant card fees and costsThe Marriott Bonvoy Brilliant® American Express® Card has a $650 annual fee. You also aren't eligible for the welcome bonus offer on this card if any of the following apply to you: You are a current cardmember, or were a previous cardmember within the last 30 days, of The Ritz-Carlton™ Credit Card from JPMorgan or J.P. Morgan Ritz-Carlton Rewards® Credit CardYou've opened the Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, or Marriott Bonvoy Bountiful™ Card in the last 90 daysIn the last 24 months, you've received a new cardmember bonus offer or upgrade offer for the Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, or Marriott Bonvoy Bountiful™ CardIs the Marriott Bonvoy Brilliant card worth it? There are also two new mid-range Marriott cards to consider (Marriott Bonvoy Bountiful™ Card and Marriott Bonvoy Bevy™ American Express® Card) which both have a $250 annual fee).

David Slotnick/Business InsiderAmerican Express Membership Rewards points are among the most valuable card rewards you can earn. You'll usually get the most value from Amex points by transferring them to airline and hotel partners. In fact, the Amex Membership Rewards program debuted way back in 1991 with just seven US airline partners. More Information Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. What to know about transferring Amex points to partnersAmerican Express Membership Rewards points are among the most valuable and versatile travel rewards out there.

The best hotel credit cards all have one outstanding benefit that gives cardholders the incentive to renew year after year: free night certificates and/or bonus points that are worth more than the annual fee. 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter. Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Show more Regular Annual Percentage Rate (APR) 20.24% - 27.24% Variable Editor's Rating 4.4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.4 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Credit Cards With Annual Free Nights Frequently Asked Questions (FAQ)How do I use a free night certificate?

You probably already know that most travel credit cards offer some form of rental car insurance. It's often said the Chase Sapphire Preferred is the best starter travel credit card — and primary rental car insurance is a big reason why. If you're using a business credit card that offers primary car rental insurance, you need to be renting a car for business purposes in order to receive the coverage. Whether your coverage comes from a credit card, the auto rental agency, or your personal insurance plan, you should get rental car insurance. Of all rental car insurance options, primary insurance with a credit card is the best value.

If you're trying to decide if a credit card annual fee is worth it, look at its benefits and assess how many you'll use. This card's $650 annual fee is extremely high for a hotel credit card (or any credit card, for that matter). Credit cards with annual fees frequently asked questions (FAQ)What is a credit card annual fee? Credit card annual fees are effectively a paywall you have to breach if you want to enjoy enhanced (and sometimes super exclusive) benefits you won't find on a no-annual-fee credit card. If you won't use the benefits and perks of an annual fee-incurring credit card, no annual fee credit cards are the way to go.

One such perk is an annual travel credit — statement credits that reimburse you for qualifying travel purchases up to a certain dollar amount each year. What are credit card annual travel credits? Credit cards that offer an annual travel credit will reimburse you up to a certain dollar amount for applicable travel purchases each year. If that sounds good to you, here are six credit card annual travel credits you need to know about. Annual travel credit can effectively shave $300 off the annual fee if you use it Check mark icon A check mark.

Review: Is the Hilton Honors American Express Surpass card the best credit card for you? Or, for flexibility, consider a card that earns American Express Membership Rewards points like The Platinum Card® from American Express (which also offers Hilton Gold status**) or the American Express® Gold Card . Amex Hilton Honors Express Surpass benefits and featuresThe Hilton Honors American Express Surpass® Card comes with a lot of useful perks that can improve your travel experience and save you money. If you already have a Hilton Honors American Express Surpass® Card open, you won't be able to open another one. So, for example, if you already have The Hilton Honors American Express Business Card, Hilton Honors American Express Card, or Hilton Honors American Express Aspire Card, you could still qualify for the Hilton Honors American Express Surpass® Card.

☆ Amex Hilton card Free Night Certificates are now permanently valid any day of the week, making them much more flexible for travelers
▼ + stars: | 2022-10-11 | by ( Tessa Campbell | Personal Finance Reviews Fellow | Read More | ) www.businessinsider.com time to read: +25 min

The Free Night Certificates (previously referred to as Free "Weekend" Night Certificates) you can earn with the Hilton Honors American Express Aspire Card ,Hilton Honors American Express Surpass® Card , and The Hilton Honors American Express Business Card are now valid any day of the week, instead of just Friday, Saturday, or Sunday nights. Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. Hilton Honors and American Express offer several co-branded cards for travelers (such as the Hilton Honors American Express Aspire Card, The Hilton Honors American Express Business Card, and the Hilton Honors American Express Surpass® Card) which earn Free Night Certificates either automatically or for meeting spending thresholds. How to earn Hilton Honors Free Night CertificatesThere are multiple ways to earn a Free Night Certificate, and the easiest is with the Hilton Honors American Express Aspire Card. Be sure to read Insider's guide to earning and redeeming Hilton points to learn about the best ways to maximize the Hilton Honors program.

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Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy. Cardholders receive automatic Hilton Gold status, which opens the door to perks like free breakfast (food and beverage credit at US hotels), bonus points, and room upgrades. Gold status comes with a few perks, including a 10% points bonus on stays, early check-in and late checkout, up to nine elite rollover nights, and a welcome amenity. With Gold status, you'll get perks like a 10% points bonus on paid stays, late checkout when available, and access to preferred rooms.

Show more Regular APR 19.24% - 26.24% Variable Editor's Rating 4.65 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.65 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. You can find Priority Pass lounges and restaurants by searching for your airport on the Priority Pass website or through the Priority Pass app. Priority Pass loungesTypically, airport lounges in the Priority Pass network are off-limits to the general public unless you have access through a membership, airline ticket, elite status, or via a paid day pass. Priority Pass restaurants, cafés, spas, and moreIn addition to airport lounges, the Priority Pass network includes restaurants and cafés at airports like Houston (IAH) and San Francisco (SFO). Credit cards with Priority Pass frequently asked questions (FAQ)Is Priority Pass membership automatic when you open an eligible credit card?

You probably already know that most travel credit cards offer some form of rental car insurance. Show more Regular APR 19.24% - 26.24% Variable Editor's Rating 4.65 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.65 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. It's often said the Chase Sapphire Preferred is the best starter travel credit card — and primary rental car insurance is a big reason why. Whether your coverage comes from a credit card, the auto rental agency, or your personal insurance plan, you should get rental car insurance. Of all rental car insurance options, primary insurance with a credit card is the best value.

American Express issues four co-branded Hilton credit cards, but only one — the Hilton Honors American Express Card — has a $0 annual fee. How to earn points with the American Express Hilton Honors cardThe Hilton Honors American Express Card has a straightforward earning structure, and it's good for earning points both at Hilton hotels and on your everyday purchases. Redeem Hilton points for experiences, events, merchandise, and moreOther options for redeeming Hilton points also won't get you the highest value, but they could be helpful in certain circumstances:Hilton experiences — Use points for exclusive events, dining, and toursUse Hilton points for event credits — Starting at 25,000 points for a $50 creditRedeem Hilton points at Amazon — A poor value; you'll get just 0.2 cents per pointDonate Hilton points to charity — For every 10,000 points you donate, Hilton will send $25 to a charity of your choiceUse Hilton points toward Lyft rides — Again, not the best value; you'll typically get around 0.2 cents per pointPool or transfer Hilton points to a friend — Send up to 2 million points per year to friends or family with no fee, or pool your points with up to 11 people to save for a redemptionHilton points normally expire if there's no activity in your account for 24 months, but due to the pandemic, the chain has paused points expiration until December 31, 2022. However, if you stay at Hilton hotels with any regularity, a card like the Hilton Honors American Express Surpass® Card or The Hilton Honors American Express Business Card is a better choice. The Hilton Honors American Express Card is the only one of the four Hilton credit cards that charges a $0 annual fee.

☆ Cards like the Amex Platinum and Chase Sapphire Reserve offer annual credits for travel that can offset their high annual fees. Here's what you need to know.
▼ + stars: | 2022-06-24 | by ( Ariana Arghandewal | Read More | Read Less | ) www.businessinsider.com time to read: +34 min

One such benefit is an annual travel credit: essentially a statement credit that reimburses you for travel purchases up to a certain dollar amount each year. One of those benefits that can help justify annual fees in excess of $400 are annual travel credits. Credit cards that offer an annual travel credit will reimburse you up to a certain dollar amount for applicable travel purchases each year. If that sounds good to you, here are six credit card annual travel credits you need to know about. Annual travel credit can effectively shave $300 off the annual fee if you use it Check mark icon A check mark.

☆ Marriott Bonvoy Brilliant card review: An excellent premium card for Marriott loyalists with a 150,000-point bonus and refreshed benefits, including Platinum elite status
▼ + stars: | 2022-06-24 | by ( Jasmin Baron | Read More | Read Less | ) www.businessinsider.com time to read: +45 min

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Read our review Read Our Review A looong arrow, pointing rightMarriott Bonvoy Brilliant card fees and costsThe Marriott Bonvoy Brilliant™ American Express® Card has a $650 annual fee. There are also two new mid-range Marriott cards to consider (Marriott Bonvoy Bountiful™ Card and Marriott Bonvoy Bevy™ American Express® Card) which both have a $250 annual fee).

Here are some of the best credit cards for active-duty military — and some of the valuable perks you can receive. Unlike other banks, Amex will waive annual fees for all of its credit cards, whether they're business or personal. Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Best Chase cards for active-duty service membersWhile Chase doesn't waive annual fees for its small-business credit cards, it will waive them for all its personal cards. Show more Regular APR 19.24% - 26.24% Variable Editor's Rating 4.65 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.65 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

☆ Amex Platinum vs Chase Sapphire Reserve and other credit cards
▼ + stars: | 2021-07-22 | by ( Jennifer Yellin | ) edition.cnn.com time to read: +11 min

Not only is this the same Priority Pass membership that comes with the Amex Platinum, but it’s actually slightly better, as Amex Platinum card members don’t have access to Priority Pass restaurants, while Sapphire Reserve card holders do. Although the card comes with a $525 annual fee, that’s $170 less than the cost of the Amex Platinum card. Delta SkyMiles® Reserve American Express CardNow, if you’re a Delta flyer, you might prefer the Delta SkyMiles Reserve American Express Card. Even better, with the Delta Reserve Amex, you’ll receive access to the exclusive Amex Centurion Lounges when you’re flying on Delta. You can get Marriott elite status for much less than the Amex Platinum when you have the Marriott Brilliant Amex card.

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