Hotel

Monkey Miles Hotel Credit Cards

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How it Works – Hotel

Hotel credit cards are part of your supporting cast. I would suggest choosing them based on where you think you may travel next, and how the card’s benefits could elevate your travel. The main benefits I keep an eye on are free hotel nights, elite status qualifying nights, and hotel elite status. Currently we have Marriott, IHG, Hilton, and Hyatt cards. 

Affiliate via CardRatings

Chase IHG® Rewards Premier Credit Card

4.6
4.6/5

For the $99 annual fee you’ll get IHG One Rewards Platinum Status, a 4th night free when booking with points, an annual anniversary 40k night, and a $50 United Travel bank credit. Been in my wallet since it was released.

*Note if you have a Chase IHG® Rewards personal card or you’ve received a welcome bonus in the past 24 months you’re ineligible to add this to your wallet

Welcome Offer

175,000 IHG One Rewards after $3k in 3 months

Annual Fee

$99

Points Earned

IHG One Rewards

4 reasons I keep this card in my wallet

  • A free anniversary award night every year you keep the card, worth up to 40k IHG One Rewards ( you can add unlimited points to this award night as well ) This easily offsets the annual fee for me.
  • 4th night free when redeeming points
  • Cardholder award night sales where you get notice to book in advance or exclusively for cardholders
  • The United credit offset roughly half the annual fee
  • A free night after each account anniversary year
    • These are currently valid at properties 40k points and below
    • You can now add points to these nights should you want to stay at a pricier property
  • 4th night free when redeeming points for a 4 consecutive night stay
  • 10x at IHG Hotels & Resorts worldwide ( this is on top of the bonus you get as a IHG Rewards member )
    • 5x
      • travel
      • gas stations
      • dining/restaurants
      • social media and search engine advertising
      • office supply stores
    • 3x everywhere else
  • Spend your way to Diamond with $40k in annual purchases
  • Get a 10k bonus points and $100 statement credit when you spend $20k + one additional purchase in a year
  • $50 United Travel Bank credit
  • Earn up to 26x points at IHG hotels
  • 20% off purchased points
    • Can’t be stacked with points sales tho
  • Platinum status at IHG while holding the card
  • No Foreign Transaction
  • $99 annual fee

175k after $3k spend in 3 months is the best we’ve seen.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate via CardRatings

Chase IHG® Rewards Premier Business Credit Card

4.6
4.6/5

For $99 a year, this small business card yields IHG One rewards Platinum Status, a free night award certificate every year, 4th night free on award stays of 4 consecutive nights, and a $50 United Travel Bank. 

Welcome Offer

140,000 IHG One Rewards after $3k spend in 3 months

Annual Fee

$99

Points Earned

IHG One Rewards

 

It’s so easy to see how the annual fee is recouped. 

  • A free anniversary award night every year you keep the card, worth up to 40k IHG One Rewards ( you can add unlimited points to this award night as well ) This easily offsets the annual fee for me.
  • 4th night free when redeeming points on stays of 4 consecutive nights
  • Cardholder award night sales where you get notice to book in advance or exclusively for cardholders
  • The United credit offset roughly half the annual fee
  • 140k bonus points after spending $3k in the first 3 months of account opening
  • A free night after each account anniversary year
    • These are currently valid at properties 40k points and below
    • You can now add points to these nights should you want to stay at a pricier property
    • Spend $60k on the card + 1 purchase and get another anniversary night
  • 4th night free when redeeming points on a 4 consecutive night point redemption
  • 10x at IHG Hotels & Resorts worldwide ( this is on top of the bonus you get as a IHG Rewards member )
    • 5x
      • travel
      • gas stations
      • dining/restaurants
      • social media and search engine advertising
      • office supply stores
    • 3x everywhere else
  • Spend your way to Diamond with $40k in annual purchases
  • Get a 10k bonus points and $100 statement credit when you spend $20k + one additional purchase in a year
  • $50 United Travel Bank credit
  • 20% off purchased points
    • Can’t be stacked with points sales tho
  • Global Entry or TSA PreCheck® Fee Credit –
    • The primary cardholder receives a Global Entry or TSA PreCheck® Fee Credit of up to $100 every four years as reimbursement for the application fee charged to the Card
  • Platinum status at IHG while holding the card
  • No Foreign Transaction
  • $99 annual fee

140k after $3k spend in 3 months is the best we’ve seen

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate link via CardRatings

IHG(R) Rewards Traveler Credit Card

3.9
3.9/5

No annual fee, no fx fees, IHG Silver Status, & Get a 4th night free when you book 4 consecutive nights with points.

*If you carry a IHG personal card you are ineligible or if you received a bonus in the past 24 months + 5/24 rules apply.

Welcome Offer

120,000 Points after $2k in 3 months

Annual Fee

$0

Points Earned

IHG One Rewards

If you don’t want to pay an annual fee, but still get a 4th night free when using points on 4 consecutive nights…this is a great option. 

Personally, I think the IHG® Premier is a much better card for $99 and comes with a free night good up to 40k points. If you didn’t feel like you got the value out it, you could always downgrade to this card after 12 months to enjoy no annual fee.

One thing to note… you can hold this card in tandem with the IHG® Rewards Business card

  • No annual fee,
  • no fx fees,
  • IHG Silver Status
    • Spend your way to Gold
  • Get a 4th night free when you book 4 consecutive nights with points.
  • 5x at IHG properties
  • 3x on dining, gas stations, utilities, cable, internet, phone, cell, and select streaming services
  • 2x everywhere else

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate via CardRatings

Marriott Bonvoy(TM) Business American Express(R) Card

3.7
3.7/5

Get 15 elite nights every year + Anniversary Night up to 35k, and Marriott Gold Status

Welcome Offer

125k Marriott Bonvoy Points after $5k in 3 months

Offer ends 5/3/23.

Annual Fee

$125 Rates and fees

Points Earned

Marriott Bonvoy

Life with Marriott Bonvoy really starts at Platinum status where you get breakfast and club access. That requires 50 elite nights, so having a Marriott credit card can help by starting the year off with extra elite nights.

This is an easy way to pick up 15 Marriott Elite nights, Gold status, and the annual night can help offset the $125 annual fee. Don’t forget that you can also add up to 15k Marriott Bonvoy points to the anniversary night certs now.

  • Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
  • 4x at
    • restaurants worldwide,
    • us gas station,
    • and wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
  • 2x everywhere else
  • 1 Free night every year after you account anniversary ( up to 35k a night )
  • A 7% Marriott Bonvoy Room Rate Discount off standard rates for reservations of standard guest rooms at hotels participating in Marriott Bonvoy when booked directly
  • If you spend more than $60k in a year, you’ll get another free night ( up to 35k a night )
  • 15 Marriott Bonvoy Elite nights per year
  • Now comes with Gold status ( that used to required $35k spend )
  • $125 annual fee
  • Rates and fees.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate via CardRatings

Marriott Bonvoy Brilliant(R) American Express(R) Card

4.0
4/5

This card comes with Marriott Platinum Status, 25 elite night credits, $25 a month dining credit, an 85k Marriott Anniversary Free night award, Priority Pass, and more

Welcome Offer

95k Marriott Bonvoy after $5k in 3 months

Annual Fee

$650 rates and fees

Points Earned

Marriott Bonvoy

Marriott life begins at Platinum status where you get executive lounge access and breakfast at most properties. This card unlocks that status just having it in your wallet.

Is it worth $650? That’s a lot, but if you’re planning Marriott stays, value breakfast/lounge access, it definitely could worth it. Just remember that Ritz Carlton doesn’t honor those benefits…

The $25 monthly dining credit is worth setting a calendar alert, even it it just means loading your Starbucks account.

Another thing to note is that the Platinum status that comes with this card doesn’t include the Choice benefits extended at 50 nights. One of those is suite night upgrades, but you’ll start the year with 25 elite nights as a perk, so you’re half way there. 

  • Earn 95,000 Marriott Bonvoy(R) bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.
  • $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
  • Marriott Bonvoy Platinum Elite Status
  • 25 Elite Night credit per calendar year
  • Marriott Brilliant Free Night Award: up to 85k property
    • You can add up to 15k points as well if you wanted to redeem up to a 100k property
  • Priority Pass(TM) Select membership.
    • Lounge access worldwide
  • Global Entry or TSA PreCheck(R) Fee Credit
    • Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck(R) (up to $85) when you pay the application fee with an eligible Card
  • Spend $60k in a year and get Choice benefit
    • Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $1000 discount from Marriott Bonvoy Boutiques.
    • Certain hotels have resort fees so head’s up
  • $100 Luxury Property Credit:
    • Qualifying charges at The Ritz-Carlton(R) or St. Regis(R) when you book direct using a special rate for a two-night minimum stay using your Card.
  • Cell Phone Protection
    • $800 with $50 deductible
    • 2 claims per 12 months
    • Must charge bill to card
  • No fx Fees
  •  6x Marriott Bonvoy(R) points at Marriott properties that participate in the Marriott Bonvoy(TM) program
  • 3x Restaurants Worldwide
  • 3x Flights booked direct with airlines
  • 2x everywhere else
  • $650 Annual Fee.
  • rates and fees

 

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate via CardRatings

Marriott Bonvoy Bevy™ American Express® Card

3
3/5

Marriott Bonvoy Gold Status, 15 elite nights, and an Annual Anniversary Night at properties 50k or less after spending $15k or more. Honestly…I’d think twice about this card

Welcome Offer

85k Marriott Bonvoy after $4k in 3 months

Annual Fee

$250 Rates and fees

Points Earned

Marriott Bonvoy

Honestly… this card is a conundrum. For the annual fee premium over the Chase Marriott Boundless you don’t get a whole lot. You have to spend $15k to get a 50k or less free night, and Marriott Gold isn’t all that great.

Plus, with the Boundless you can upgrade into the Ritz Card after a year which is arguably the best card on the market. 

  • Earn 85,000 Marriott Bonvoy(R) bonus points after you make $4,000 in purchases on your new Card within the first 3 months.
  • 6 Marriott Bonvoy(R) points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
  • Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2x points).
  • 1K Bonus Points Per Stay
    • Earn 1,000 Marriott Bonvoy(R) bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
  • Marriott Bonvoy Gold Elite status with your Card.
  • Marriott Bonvoy Bevy Free Night Award:
    • Must spend $15k or more in a calendar year
    • Good on properties that are 50k or below
  • 15 Elite Night Credits
  • $250 Annual Fee.
  • Rates and fees

 

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate link CardRatings

Chase World of Hyatt Credit Card

4.2
4.2/5

Get a category 1-4 free night every year + 5 elite night credits, and earn more elite nights via spend. It’s one of the most valuable hotel credit cards available.

Welcome Offer

See Benefits – up to 60k bonus points

Annual Fee

$95

Points Earned

World of Hyatt points

The World of Hyatt credit card comes with an annual category 1-4 award night which I have always found a way to redeem on a property that is worth more than the $95 a year I pay for the card. That alone makes it worth it to me.

It comes with 5 elite nights every year which can be helpful if you’re shooting for status. 

Hyatt points are also the most valuable hotel points around coming in somewhere in the 1.5 to 1.8 cents per point value.

This makes putting everyday spend on the card a decent value proposition if you’re angling for Hyatt status and card spend can help boost those elite nights as well. Every $5k you put on the card yields 2 elite nights. 

Don’t forget that $15k spend yields an additional category 1-4 night.  

  • 30k Bonus after you spend $3k in 3 months of account opening
    • 2x on $15k spend in the first 6 months, up to a max 30k points
  • 5 Elite nights next year
  • 4x bonus points on every dollar spent at Hyatt hotels
    • On top of 5x a base member earns
  • 2x points at:
    • restaurants
    • airline tickets purchased direct from airlines
    • local transit and commuting
    • fitness clubs and gym memberships
  • Every Account Anniversary you’ll get a Free Night at category 1-4 hotels
  • Bonus Free Night at category 1-4 hotels when you spend $15k a year
  • Get Discoverist Elite status as along as your card is open
  • 2 Elite night credits for every $5k you put on your card.
  • Annual fee of $95

We have seen 60k after $4k spend in 3 months

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate link CardRatings

World of Hyatt Business Credit Card

4
4/5

Earn 4x at Hyatt hotels and 5 elite nights every $10k in spend.

Welcome Offer

60k World of Hyatt points after $4k spend in 3 months

Annual Fee

$195

Points Earned

World of Hyatt points

 

 If you’re going to have just one World of Hyatt credit card, my choice would be the personal version.

It comes with a more streamlined set of benefits and ability to offset the annual fee. 

The big miss on this card to me is the lack of baked in elite nights ( you need to spend $10k to earn 5, but can do so over and over again ), and it doesn’t come with an annual free night award.

Where this card could come in handy is if your business spends a ton of money. You need 60 elite nights to hit Globalist status and you could hit that purely by spending $120k a year on this card. 

You’d also get 10% back on all your award redemptions after spending $50k…but honestly, I think there are much better places to throw your spend.

  • Earn  60k World of Hyatt points after spending $5000 in 3 months
  • 4x at Hyatt hotels
    • 4x on the credit card spend on qualified Hyatt spend
    • 5x as a base member of Hyatt on qualified spend
    • 9x total when combining the two on qualified spend
  • 2x at fitness clubs and gym memberships
  • New Adaptive Accelator – Earn 2x on the categories you spend most each quarter
    • Until 12/31/23 you’ll 2x at the top 3 categories
      • dining;
      • airline tickets purchased directly with the airline;
      • car rental agencies;
      • local transit and commuting;
      • gas stations;
      • internet, cable and phone services;
      • social media
      • search engine advertising;
      • shipping
    • Starting in 2023 you’ll get 2 bonus points at the top 2 categories
  • Earning Elite Nights via spend
    • Earn 5 Elite nights with every $10k in spend
  • Discoverist Status while you hold the card
      • World of Hyatt Business Credit cardmembers can gift up to 5 Discoverist statuses to their company employees
        • They don’t need to be Authorize Users
  • Spend $50k in a year and get 10% back on all point stays after hitting that spend threshold
  • Get $100 statement credit each year at Hyatt hotels
    • This is divided into two $50 credits
    • No stay requirement needed
    • Valid Interanationally
  • No fee for employee business cards
  • No foreign transaction fees
  • Complimentary roadside dispatch
  • Primary rental car collision damage waiver
  • Extended warranty protection
  • Purchase protection
  • Trip cancellation/travel interruption insurance
  • Travel and emergency assistance services
  • Access to Hyatt Leverage, Hyatt’s global business travel program that offers special rates to qualifying small and mid-sized enterprises at participating Hyatt hotels worldwide
  • $199 annual fee

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate Link via CardRatings

Refer a friend link

Chase Marriott Bonvoy Boundless® Credit Card

4
4/5

Earn 15 elite nights every year you keep the card, Marriott Silver Status + an annual 35k point anniversary night.

Make sure you read the Marriott application rules as they can be tricky

Welcome Offer

See card benefits

Annual Fee

$95

Points Earned

Marriott Bonvoy

As I mention in many of my breakdowns for hotel cards…the annual anniversary night usually outweighs the annual fee. 

For $95 a year, you’ll earn an anniversary night good at properties up to 35k a year. You can add 15k to these certificates as well, but keep in mind, this point range will probably be useful on road trips or nights near a hotel…not uber luxury properties.

You’ll also start get 15 elite nights per year which is fantastic if you’re chasing Marriott status.

  • Two offers:
    • Affiliate: Earn 100k Marriott Bonvoy points after $3k spend in 3 months
    • Refer a friend: Earn 3 nights, up to 50k a night, after $3k spend in 3 monghts
  • 3x points in combined purchases on gas, groceries, and dining
  • 2x points on all other purchases
  • Automatic Silver status and get gold if you spend $35k+ on the card
  • 15 Elite Night Credits each calendar year
  • 1 Elite night for every $5k in purchases
  • No fx fees
  • $95 annual fee

We have seen offers as high as 5 nights, up to 50k per night, for $5k spend in 3 months

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Chase Refer a Friend Link

Chase Marriott Bonvoy Bold® Credit Card

3.7
3.7/5

No annual fee and 15 elite nights per year

Welcome Offer

60k Marriott Bonvoy after $2k spend in 3 months

Annual Fee

$0

Points Earned

Marriott Bonvoy

 

 

Marriott life begins at 50 elite nights. Why? Because that’s the threshold for Platinum status which includes free breakfast and executive lounge access. 

Getting closer to Platinum status is the primary reason you’d add this card to your wallet because it costs you nothing to earn 15 elite nights every single year. 

Is this the best card for you? That’s a tough call. It doesn’t come with that many additional benefits, and there are quite strict restrictions when it comes to having more than one Marriott card. 

One thing to keep in mind is that if you do have this card for over a year, and you’d like a lot more benefits, you could always upgrade to the Ritz Carlton card.

  • Earn 60,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
  • No annual fee
  • 15 elite nights every year which gives you silver status
  • No fx fees

I believe 60k after $2k spend in 3 months is the best ever

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Non Affiliate links 

Chase Marriott Bonvoy Bountiful® Credit Card

3.8
3.8/5

15 elite nights, Marriott Gold status, 1000 bonus points each qualifying stay…$250 fee. 

Welcome Offer

85k Marriott Bonvoy after $4k in 3 months

Annual Fee

$250

Points Earned

Marriott Bonvoy

Yes, you get Marriott Gold status, 1k bonus points per eligible night, and 15 elite night credits, but I’m not really understanding why the card is $250 

At $250, you’d think you’d get a free night every year as part of the card benefits, but you don’t. You need to spend $15k to get a 50k free night. If that 50k night was included, I could perhaps see the added value, but it’s not.

Personally…I’d don’t get why anyone would pay the extra money over the Bold or Boundless.

  • 85k points after $4k spend in 3 months
  • 6X Points per $1 spent at hotels participating in Marriott Bonvoy
  • $250 Annual Fee
  • 4X Points per $1 on the first $15,000 in combined spending each year on grocery store and dining purchases
  • 2X Points per $1 spent on all other purchases
  • 1,000 Bonus Points per eligible stay at hotels participating in Marriott Bonvoy
  • Free Night Award after $15,000 in spend every calendar year (valued at 50,000 points)
  • 15 Elite Night Credits towards status each calendar year
  • Automatic Gold Elite status each account anniversary year as a cardmember
  • Additional Benefits
    • Auto Rental Collision Damage Waiver
    • Baggage Delay Insurance
    • Extended Warranty Protection
    • Lost Luggage Reimbursement
    • Purchase Protection
    • Roadside Dispatch
    • Travel Accident Insurance
    • Travel and Emergency Assistance Services
  • Trip Delay Reimbursement

It debuted with 125k after $4k in 3 months

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Reader Referral

Hilton Honors Aspire Credit card from American Express

4.5
4.5/5

Diamond status, annual night anywhere in the world, $250 Hilton resort credit, $250 airline incidental credit, Priority Pass select… this is one bad mamma jamma of a card

Welcome Offer

150k Hilton Honors after $4k spend in 3 months

Annual Fee

$450 rates and fees

Points Earned

Hilton Honors

 

This is hands down the best hotel card available. 

Not only do you get top tier Hilton Diamond status, but you get an free night certificate that you can use anywhere in the world, $250 Hilton Resort credit, $250 airline incidental credit, the list goes on. 

If you’re at all thinking of staying at International Hilton properties, get this card ahead of time to enjoy the executive lounge access and free breakfast that comes along with Diamond Status.

This is a card we’ve had since it debuted and we get a lot from the annual night cert and top tier status to recoup the $450 annual fee.

  • Free Annual weekend night on your account anniversary
  • Diamond status, top tier, as long as you maintain the card
  • $250 resort credit ( not good on prepaid rates)
  • $250 annual airline incidental credit
  • Priority Pass select
  • 14x points at Hilton Hotels
  • 7x points US restaurants, airfare booked directly with the airline/Amex travel, select car rental agencies
  • $450 rates and fees

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Reader Referral

Hilton Honors American Express Surpass® Card

3.8
3.8/5

Hilton Gold, 10 Priority Pass visits, and a free night anywhere in the world after $15k annual spend

Welcome Offer

150k Hilton Honors after $3k spend in 3 months

Annual Fee

Points Earned

Hilton Honors

 

 

This would be an advantageous card to hold if you’re planning on taking any international trips. Why? 

Outside the US, Hilton Gold, which comes as a perk of this card, is valued much higher than in the US. You’ll often get a decent upgrade or even executive lounge/breakfast. 

  • 150,000 Bonus Points after spending a total of $3,000 in eligible purchases on their Card in the first 3 months of Card Membership
  • 12x Hilton Honors at Hilton hotels
  • Free night after spending $15k in a year
  • 3x everywhere
  • No fx fees
  • Hilton Honors Gold Status as long as you have the card
  • Get Hilton Honors Diamond Status after $40k spend
  • 10 complimentary Priority Pass visits

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

Affiliate link CardRatings

Hilton Honors Credit Card from American Express

3.7
3.7/5

No fee + Hilton Honors Silver status which means you get a 5th night free when redeeming points. 

Welcome Offer

100k Hilton Honors after $2k spend in 6 months

Annual Fee

$0 Rates and Fees

Points Earned

Hilton Honors

No fee and comes with Silver status. 

The reason this is worth noting is because often you can buy Hilton points for less money than the cash rate and Silver status opens up a 5th night free with points. 

Remember if you have an Amex Platinum you get Hilton Gold as a perk…

  • Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
    • Offer ends 04/05/2023
  • 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • 5X Hilton Honors Bonus Points
    • Eligible purchases
      • U.S. restaurants
      • U.S. supermarkets
      • U.S. gas stations
  • 3X on all other eligible purchases
  • No fx fees
  • Comped Silver status as long as you have the card
  • Spend $20k in eligible purchases and get Hilton Honors Gold
  • No Annual Fee.
  • Rates and Fees/Terms Apply.

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

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Hilton Honors American Express Business Card

3.7
3.7/5

Get comped Hilton Honors Gold status as long as you hold the card and a free night certificate after $15k spend

Welcome Offer

165k Hilton Honors after $5k in spend in 3 months

Annual Fee

$95  rates and fees

Points Earned

Hilton Honors

 

Since this is a business card, it may be advantage to hold this for Hilton Gold status since it doesn’t count against your 5/24 number and you can earn a free night certificate after $15k spend each year. 

Don’t forget that you need at least Silver status to get a 5th night free on awards, and if you’re thinking of purchasing Hilton points, this is quite advantageous on longer stays to reduce overall cost.

  • Limited Time Offer:
    • Limited Time Offer: Earn 165,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on the Card within your first 3 Months of Card Membership.
    • Offer ends 4/5/23
  • 12X at Hilton hotels and resorts
  • 6X on
    • US gas stations
    • US purchases for shipping,
    • wireless telephone services purchased directly from US service providers
    • flights booked directly with airlines or with Amex Travel
    • car rentals booked directly from select car rental companies
    • US restaurants
  • 3X on all other eligible purchases
  • Comped Gold Status as long as you hold the card
  • Spend $15k get a Free Night Certificate every year
    • Spend $45k total and get another one
  • Annual fee is $95 ( rates and fees )
  • Terms apply

We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

How it Works – Hotel

Hotel credit cards are part of your supporting cast. I would suggest choosing them based on where you think you may travel next, and how the card’s benefits could elevate your travel. The main benefits I keep an eye on are free hotel nights, elite status qualifying nights, and hotel elite status. Currently we have Marriott, IHG, Hilton, and Hyatt cards. 

Miles' Top Credit Cards

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