As my business grows, I've been trying to find a way to streamline my expenses and the rewards I earn with a credit card. Rather than juggling multiple cards, I want one or two that match how my business actually spends money while also helping me earn rewards I know I'll use.

That's why the Atmos™ Rewards Visa Signature® Business Card has moved onto my shortlist.

Alaska Airlines has a massive presence in the Pacific Northwest and a rapidly expanding international route map, and I often find myself on one of their planes. With benefits such as waived checked bag fees, companion passes and extra rewards where it matters most for me, this card has been on my radar now for a while.

Since Atmos Rewards points are among the most valuable airline currencies according to TPG's July 2026 valuations, earning more of them has become increasingly attractive.

Here's why I'm seriously considering adding it to my wallet.

A relatively low cost of entry

One of the first things I consider when choosing a new credit card is its annual fee.

The Atmos Business Card costs just $70 per year, while additional employee cards are only $25 each.

That's one of the more affordable business travel cards on the market that earns travel rewards, especially when you compare it to many other premium business cards with annual fees anywhere from $95 to nearly $900 annually.

In fact, it's inexpensive enough that I don't feel pressured to squeeze every possible benefit out of it just to justify keeping it, which makes it more appealing right away.

And for businesses with multiple employees who need their own cards, those $25 employee cards make it an affordable way to keep spending centralized while still earning rewards on purchases made across the company.

Related: How to decide if a credit card's annual fee is worth paying

An achievable welcome bonus

The card's welcome offer is another criterion that usually gets my attention.

New applicants for the Atmos Business Card can earn 70,000 bonus points plus a $99 companion fare (plus taxes and fees that start at $23) after spending $4,000 on purchases in the first 90 days from account opening.

For many businesses, including mine, spending $4,000 over 90 days isn't an intimidating hurdle. Between software subscriptions, travel expenses, advertising and recurring bills, I'd naturally reach that threshold without changing how I operate.

A 70,000-point welcome bonus is substantial on its own, but pairing it with a companion fare makes the first-year value considerably stronger.

There are tons of great ways to redeem this welcome bonus, but with Alaska's growing international route network, I'm looking at using those rewards for a trip to Europe next spring.

Related: Why American Airlines flyers should pay attention to Alaska Airlines Atmos Rewards

The companion fare offers real value

Speaking of companion fares, this is one of the most compelling perks of the card, in my view.

Many airline companion certificates require substantial spending before you earn them. This makes them much less useful, or even reachable, for smaller businesses.

The Atmos Business Card takes a more practical approach.

I can earn one companion fare as part of the current welcome offer (after spending $4,000 on purchases within the first 90 days of account opening). Additionally, every account anniversary, I can receive an additional companion fare after spending just $6,000 during the prior anniversary year.

These companion fares allow you to purchase your own ticket and pay just $99 plus taxes and fees (start at just $23) for your travel companion on eligible Alaska Airlines and Hawaiian Airlines-operated flights throughout North America, including flights to Hawaii.

This is a no-brainer for me, as most of the travels I do are with my spouse-turned-business partner. The value we'd get from these companion fares is significantly more than the annual fee costs.

Related: 2-for-1 flights: The best credit cards to earn companion passes and certificates

My business spending can help me travel the world

The credit card's point-earning structure also aligns well with how my business spends money.

With the Atmos Business Card, you'll earn:

• 3 Atmos Rewards points per dollar on eligible Alaska Airlines and Hawaiian Airlines purchases, including airfare and inflight purchases
• 2 points per dollar on eligible gas stations, EV charging, shipping, and local transit, including rideshare services
• 1 point per dollar on all other purchases

Shipping expenses, transportation, and business travel are recurring costs for my business, making it fairly easy to earn above the standard one point per dollar on at least some non-negligible operating spend.

While there are certainly cards with higher multipliers for earning in specific categories, these bonus categories cover a surprising amount of everyday spending.

Related: How to earn Alaska Airlines Atmos Rewards points

My business could help me earn Atmos Rewards elite status

Another feature I appreciate is that card spending helps you work toward Atmos Rewards status every year.

The card awards 1 status point for every $3 spent on purchases.

Since much of my business spending falls outside traditional bonus categories, I appreciate that those purchases could still help me work toward airline status.

Rather than having to choose between earning my rewards and progressing toward my airline status, this card would allow me to accomplish both simultaneously, helping me get those upgrades to business or first class every now and then, among other status perks.

Related: Best time to apply for Atmos Rewards cards based on offer history

Travel benefits I'll actually use

Beyond earning points, the card also includes several practical travel perks that can save me both money and time. Cardholders and up to six guests traveling on the same reservation receive a free checked bag and preferred boarding on eligible Alaska Airlines flights when airfare is purchased with the card.

For employees or groups traveling together, baggage fees can add up surprisingly quickly. Alaska charges $45 for your first checked bag on flights within North America, so even a single round-trip paid with this card could easily offset a significant portion of the annual fee.

Preferred boarding may sound like a minor convenience, but as someone who usually travels with a carry-on, I know it often means the difference between finding that coveted overhead bin space and having to gate-check my bag.

Related: 9 valuable travel perks that you can get with a credit card

Discount for Alaska Lounge members

If you're already an Alaska Lounge regular, there's another nice perk. When you use the card to pay for an annual Alaska Lounge+ membership, you can receive $100 off the cost of your membership.

The airline has been busy expanding and enhancing its lounge network with a new opening in Portland and an announced opening of the largest lounge in the United States slated for 2027 in Seattle.

Lounge memberships aren't for everyone, but for travelers who frequently fly through Alaska Airlines hubs, that discount is another way the card delivers ongoing value.

Related: Why American Airlines flyers should pay attention to Alaska Airlines Atmos Rewards

Discounts while flying Alaska and Hawaiian

There's a benefit that frequent flyers will probably use more often than they expect.

Whenever you use your Atmos Business Card to purchase Wi-Fi, food, beverages, or other eligible onboard extras during Alaska Airlines or Hawaiian Airlines flights, you'll receive 20% back.

These small statement credits have a way of quietly adding up over dozens of flights each year if your business keeps you on the road as mine does.

My Bank of America relationship makes it even better

One thing that makes this card especially appealing is that I already have a business relationship with Bank of America.

That means I'd receive a 10% bonus on the rewards I earn from my business spending without changing anything about how I use the card.

It's the type of benefit that's easy to overlook because it doesn't require any extra effort, but over the course of a year, it could quietly add thousands of additional Atmos Rewards points.

Related: 5 ways BofA Rewards can unlock more value

Bottom line

I haven't applied for the Atmos Business Card yet, but it's one of the few business cards I've seriously considered adding this year.

For my own business, the biggest selling points are the ability to leverage everyday expenses into meaningful airline rewards and the ongoing ability to earn the companion fare benefit. When paired with my existing Bank of America relationship and the additional 10% rewards bonus, the overall value proposition becomes even stronger.

As always, the right business credit card depends on your spending habits and travel patterns. But if your business regularly books Alaska Airlines or Hawaiian Airlines flights, this is one card that's well worth a closer look.

To learn more, read our full review of the Atmos Rewards Visa Business card.

Apply here: Atmos Rewards Visa Business Card

For many World of Hyatt loyalists, one of the favorite perks of the program is the range of free night and upgrade certificates you can earn from accumulating qualifying nights and points during repeated stays.

Among these, a true highlight is a Room Upgrade Award for suite accommodations. With this reward, you can book a standard room at a hotel, or a deluxe room at a resort, and then upgrade your stay to a premium suite at no additional cost. Premium suites are often on top floors with expansive views, have multi-room spaces and can offer anything from a wet bar to a butler, depending on where you're staying. Oh, and they usually cost three to four times the price of a standard room, or more.

In other words, the suite upgrade award is pretty sweet.

However, as Hyatt states in their (quite lengthy) appendix of terms and conditions, not all properties participate in this loyalty perk.

That list of exclusions, unfortunately, is ever growing. And now we've learned that two more properties have been added to the list of places where you cannot redeem your suite upgrade award.

The first is Alila Napa Valley, a Category 8 property, located in Northern California's wine country near St. Helena. The property is celebrating its fifth birthday by waving resort fees for a year, but unfortunately is also is no longer accepting suite upgrade certificates. (For reference, a room here in the summer costs around $917 and a suite goes for around $2,738).

The second property added to the list that will not participate in the suite upgrade is Grand Hyatt Grand Cayman, also a Category 8 hotel. This is a new property that is currently accepting reservations for Oct. 31, 2026 and beyond. Here, standard rooms start at $676 and suites cost $2,942.

Related: 8 amazing places to use points for a trip to the Caribbean

As you can see from both of these examples, a suite upgrade is pretty valuable, and would definitely be appreciated at such pricey properties.

Bottom line

If you're a World of Hyatt loyalist hoping to redeem your suite upgrade certificates, you'll need to keep a careful eye on the ever growing list of properties that are not participating in the program, which now includes both the popular Alila Napa Valley and the soon to open Grand Hyatt Grand Cayman.

Related stories:

• Is Hyatt Globalist status worth it?
• How and when to use Hyatt upgrade certificates
• Guide to World of Hyatt club lounge access awards, including how to use them for someone else

If you're looking to earn transferable Citi ThankYou Rewards points, Citi offers three cards within its Strata lineup. Applying for one of these cards can net you a large welcome bonus and diversify your points, giving you access to valuable transfer partners.

From no annual fee to $595, it's important to choose a Strata card that fits your budget and travel goals.

Each card offers a wide range of bonus-earning categories and benefits to help elevate your travel. Here's a rundown of the three Citi Strata credit cards and their current welcome offers.

Comparison of Strata card welcome offers

*The bonus value is based on TPG's July 2026 valuations and is not provided or reviewed by the issuer.

Citi Strata Elite

The Citi Strata Elite is the latest to join the ranks of premium credit card heavyweights. It's ideal for travelers who use Citi Travel, dine out on Friday and Saturday nights and are interested in some American Airlines perks.

Welcome offer: Earn 75,000 bonus points after spending $6,000 on purchases within the first three months from account opening.

We've seen higher offers in the past, so waiting for a better offer may be the right move. That said, if this card already fits your travel goals and the timing is right for you, the current welcome offer is still worth an estimated $1,425 based on TPG's valuations.

Annual fee: $595

Earning rates:

• 12 points per dollar spent on attractions, car rentals and hotels booked through Citi Travel
• 6 points per dollar spent on flights booked through Citi Travel
• 6 points per dollar spent at restaurants, including restaurant delivery services, on CitiNights℠ purchases, every Friday and Saturday from 6 p.m. to 6 a.m. Eastern time
• 3 points per dollar spent on restaurant purchases at all other times
• 1.5 points per dollar spent on all other purchases

Key benefits:

• Blacklane credit: Up to a $200 annual credit (up to $100 biannually) for Blacklane chauffeur bookings
• Global Entry/TSA PreCheck credit: Up to a $120 credit every four years for a Global Entry or TSA PreCheck application fee
• Hotel credit: Up to $300 off one prepaid hotel stay (minimum two-night booking) when booking through Citi Travel each calendar year
• Lounge access: Complimentary Priority Pass Select lounge access and four Admirals Club passes annually
• Splurge credit: Up to $200 in annual statement credits with your choice of two brands: 1stDibs, American Airlines (exclusions apply), Best Buy, Future Personal Training and Live Nation (exclusions apply)

Why we like it: Overall, this card is a great choice if you prefer the simplicity of booking travel through an issuer's portal. The hotel credit can be used toward any prepaid hotel reservation (of at least two nights) booked through Citi Travel, and the Splurge credit is relatively easy to maximize. I recommend using it for American Airlines purchases, such as airfare or additional Admirals Club day passes.

You can also use the Splurge credit to purchase travel gear from Best Buy, including Apple AirTags and noise-canceling headphones.

That said, Citi doesn't have its own airport lounge network like some competitors, so its lounge access benefits aren't as compelling. Additionally, the boosted restaurant earning rate only applies on Friday and Saturday evenings during designated Eastern Time hours, although it's valid at eligible restaurants worldwide.

Finally, Citi ThankYou Rewards points can now be transferred to American Airlines AAdvantage, making this card a great option for frequent American Airlines travelers.

To learn more, read our full review of the Citi Strata Elite.

Apply here: Citi Strata Elite

Citi Strata Premier

Often flying under the radar, the Citi Strata Premier is an excellent mid-tier travel card thanks to a wide range of bonus categories missing from many of its competitors.

Welcome offer: Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

Based on TPG's valuations, the welcome offer is worth $1,140.

This offer is on the lower end of what we've seen in the past, so we'd recommend holding out if possible.

Annual fee: $95

Earning rates:

• 10 points per dollar spent on attractions, car rentals and hotels booked through Citi Travel
• 3 points per dollar spent on electric vehicle charging, flights, gas stations, other hotels, restaurants (including takeout) and supermarkets
• 1 point per dollar spent on all other purchases

Why we like it: This card offers an impressive range of bonus-earning categories for a $95 annual fee, making it an excellent choice for everyday spending, a one-card wallet or anyone who feels the Strata Elite's annual fee is too steep.

It offers an annual $100 hotel credit for one hotel booking of $500 or more (excluding taxes and fees) made through the Citi Travel portal, which makes up for the annual fee, as long as you use it.

In addition, you receive various travel protections such as car rental coverage, lost or damaged luggage protection and trip cancellation insurance.

To learn more, read our full review of the Citi Strata Premier.

Apply here: Citi Strata Premier

Citi Strata

The Citi Strata Card is an entry-level card within the Strata lineup.

Welcome offer: Earn 20,000 bonus points after spending $1,000 on purchases within the first three months from account opening.

Based on TPG's valuations, the welcome offer is worth $380. Although we've seen a higher welcome offer of 30,000 points in the past (no longer available), the current offer is in line with what the card typically offers, so it may not be worth waiting for a better bonus.

Annual fee: None

Earning rates:

• 5 points per dollar spent on attractions, car rentals and hotels booked through Citi Travel
• 3 points per dollar spent on EV charging, gas stations, select transit and supermarkets
• 3 points per dollar spent on an eligible self-selected category each quarter (barber shops/cosmetic stores/hair salons, fitness clubs, live entertainment, pet supply stores or select streaming services)
• 2 points per dollar spent at restaurants
• 1 point per dollar spent on all other purchases

Why we like it: The Citi Strata has impressive earning rates for a no-annual-fee card, especially the quarterly self-selected category. A unique aspect of the Citi Strata is that you can transfer points to partners, but only at a transfer ratio of 1:0.7 for most airline and hotel partners.

That could make it a compelling option for American Airlines fans who aren't ready to commit to an annual fee, since Citi offers American as a transfer partner.

To learn more, read our full review of the Citi Strata.

Apply here: Citi Strata

Bottom line

If you're looking to supercharge your travel rewards, any of the Citi Strata cards could be a compelling option for your wallet.

Each card in the lineup offers an impressive list of bonus-earning categories, so be sure to select a card that fits your everyday expenses and your travel needs. Keep welcome offer history in mind to take advantage of the best welcome offer.

For maximum value, consider transferring your ThankYou points to Citi's airline or hotel partners.

Apply here: Citi Strata Elite
Apply here: Citi Strata Premier
Apply here: Citi Strata

Hyatt will open its second hotel in Zimbabwe next year, giving World of Hyatt loyalists a new and historic way to see one of the most stunning natural phenomena in the world.

The Grand Hyatt Victoria Falls The Kingdom, set to open in late 2027, will offer easy access to the Victoria Falls rainforest, situated just a five-minute walk away and billed as the closest hotel to the entrance of Victoria Falls national park on the Zimbabwean side of the border. It will also serve as a jumping off point for safaris and other experiences in the surrounding area, according to the hotel group.

"With its landmark location just moments from the Victoria Falls rainforest, this property represents a truly exceptional setting," Ludwig Bouldoukian, the regional vice president, development for the Middle East and Africa at Hyatt, said in a statement shared with TPG. "This signing marks a significant milestone in Hyatt's continued expansion across Africa, reinforcing our commitment on growing our brand presence in the region and providing World of Hyatt members more travel choice in inspiring destinations."

The property, originally built in 1966 and redeveloped in 1999, will now undergo an extensive renovation. Once complete, the hotel group said it is expected to feature 245 guestrooms along with three different dining venues, a spa, fitness center and a grand lobby lounge. Additionally, the hotel will welcome guests to take advantage of more than 19,000 square feet of meeting and event space.

When it opens, the company noted World of Hyatt members will be able to earn and redeem World of Hyatt benefits. Redemption rates were not immediately clear.

Victoria Falls, a UNESCO World Heritage Site, straddles the borders of both Zimbabwe and Zambia, offering a massive span of landscape more than a mile in width (about twice the width of Niagara Falls).

The new property will join Hyatt's other hotel in Zimbabwe: the Hyatt Regency Harare The Meikles. Located in the country's capital, the hotel features 312 rooms spread across two wings, many overlooking Africa Unity Square, along with an outdoor heated pool and multiple bars and restaurants.

Related reading:

• This is the best time to take an African safari
• Complete guide to the World of Hyatt loyalty program
• Hyatt now giving some elites and cardholders early (and better) award availability
• How to transfer credit card points to Hyatt

The best travel credit cards offer benefits like lounge access, airline companion tickets and automatic elite status.

But my favorite travel credit card perk is a free night award, hands down. Several of the best hotel credit cards offer cardholders certificates that they can redeem for free nights. Some cards offer this as an automatic annual benefit, while others confer free night certificates when you hit certain spending requirements or as part of their welcome bonuses. That's on top of the hotel points these types of cards earn on everyday purchases.

The reason I love a free night award is that this single benefit can basically offset the entire annual fee of a hotel credit card, even premium cards that cost over $500 a year to carry. I've personally gotten anywhere from $250 to $2,400 in value from a single free night award.

That said, each type of free night award has specific terms and conditions to be aware of that can affect how, when and for what you can use them.

Here's what you need to know about hotel free night awards and how to maximize them.

What is a free night award?

Let's start with the most basic question: What exactly is a free night award?

Simply put, a free night award is kind of like a certificate that is deposited into your loyalty account. You can redeem it for ... what else ... a free night.

Think of them as a bundle of points, but instead of being worth a specific number of points, they are often worth "up to" a certain number of points or redeemable at hotels in certain award categories. Some are redeemable pretty much anywhere, though, and may even be usable on any date with standard room award availability.

How do you earn a free night award?

You can earn a free night in several different ways, depending on the hotel program and the specific credit card.

• Welcome offer: You might earn free night awards as part of a card's welcome bonus. For instance, the Marriott Bonvoy Boundless® Credit Card (see rates and fees) is currently offering 125,000 bonus points and one free night award (valued at up to 50,000 points), earned after spending $3,000 on purchases in the first three months from account opening. Certain hotels have resort fees. New cardholders can also earn up to $100 in statement credits (up to $50 biannually) after spending $500 on eligible airline purchases.
• Annual benefit: Some credit cards offer free night awards as an annual benefit simply for being a cardholder (and paying the annual fee). The World of Hyatt Credit Card (see rates and fees), for example, offers a free award night (valid at Category 1-4 Hyatt hotels) after each account anniversary.
• Spending bonus: Some hotel credit cards offer free night rewards to cardholders who hit certain spending thresholds in a calendar or card anniversary year. For instance, the Hilton Honors American Express Surpass® Card rewards cardholders with a free night reward after spending $15,000 on eligible purchases with their card in a calendar year.

As you can see, there are multiple ways to earn a free night award. It all just depends on the specific card you're interested in.

How do you use a free night award?

Just as there are multiple ways to earn a free night award, each also comes with a unique set of terms and conditions that dictates how you can use it.

Typically, you should look out for whether a free night award is subject to any of the following conditions:

• It is only worth up to a certain number of points.
• It is only valid at certain categories of hotels.
• You have to jump through a few hoops to actually make a reservation with it.

For instance, a free night award might be capped at a certain number of points. That's the case with the IHG One Rewards Premier Credit Card (see rates and fees). Cardholders receive a free night award worth up to 40,000 points each account anniversary.

If you have the Marriott Bonvoy Boundless Credit Card, you receive an automatic free night award worth up to 35,000 points every year on your cardmember anniversary. You can use up to 25,000 points from your Marriott account to top off your award, meaning your free night award could be worth up to 60,000 points.

Some free night awards, like the ones that come with the World of Hyatt Credit Card, are restricted to certain award categories. As a result, you won't be able to use them at any property in the brand's portfolio. So, in the case of the personal World of Hyatt card, you'll only be able to redeem it for stays at Category 1-4 Hyatt hotels.

Folks with the Hilton Honors American Express Aspire Card have what I consider the best free night benefit. That card offers an annual free night reward upon card opening and then another one each cardmember anniversary after your account renewal. These certificates are redeemable at any participating Hilton property worldwide as long as there is standard award availability, making them among the most unrestricted of any hotel credit card benefit.

Free night awards generally expire a year after they are earned, so be sure to pay attention to that date or your award might go to waste.

Typically, you'll see your free night award deposited into your loyalty account once you log in and go to your "wallet" or the page listing your award.

After clicking on your listed award, you should be able to complete the reservation process just as if you were looking for a regular paid or award rate. There are a few exceptions, though. If you have the Hilton Aspire, for instance, you will have to call or redeem your certificate via Hilton's online chat feature, which adds an extra layer of complexity to the process.

Related: The best premium credit cards: A side-by-side comparison

How much is a free night award worth?

The value of a free night award depends on how you redeem it. Sure, many free night awards offered by hotel credit cards come with restrictions, but you can still redeem them for outsize value if you put in a little legwork.

For instance, with my IHG One Rewards Premier Credit Card, I know I'll only get up to 40,000 points in value, so I try to redeem it for an award as close to 40,000 points as possible — nothing as low as 15,000 or 30,000 points. That can make it tricky to find what I need, but I've had great success redeeming it for a night at the Kimpton Tryon Park Hotel in Charlotte that would have cost around $400 otherwise, and I just redeemed my current free night award for a one-night stay at the new Hotel Indigo Adelaide Markets in Australia, where I would have had to use 40,000 points or spend nearly $300. That makes it much easier to justify the card's $99 annual fee.

I was happy to redeem my Category 1-4 World of Hyatt Credit Card annual free night at the Hyatt Place Montreal — Downtown, a solid Category 3 property, to save $280 on the stay.

At the other end of the spectrum, I redeemed my Hilton Honors American Express Aspire Card annual free night reward at the luxurious Waldorf Astoria Amsterdam last year. My stay would have cost around $1,500 as booked, but thanks to elite benefits like a multicategory room upgrade and free breakfast, it was instead worth north of $2,400.

So, really, a free night award can be worth almost anything. The trick is to redeem it for a stay that would cost more than your hotel credit card's annual fee. By doing that, you offset the annual fee. Any other benefits you enjoy from the card on top of that are just gravy.

Related: I used this booking trick to score an uberfancy room at the Waldorf Astoria even though Hilton said there was no availability

What hotel credit cards offer free night awards?

We have a full rundown of hotel credit cards that offer free night awards, but here's a quick snapshot of some of our favorite cards that offer automatic free nights each year when you renew (and possibly an additional award with spending):

• Hilton Honors American Express Aspire Card: Receive one free night reward upon account opening and then every year after renewal, valid at any participating Hilton hotel or resort with standard room availability. Earn an additional free night reward after spending $30,000 on eligible purchases made with your card in a calendar year, then another after spending $60,000 with your card in the same calendar year.
• World of Hyatt Credit Card: Get one free night each year after your account anniversary, valid at Category 1-4 Hyatt hotels. Earn an additional Category 1-4 free night after spending $15,000 on purchases in a calendar year.
• IHG One Rewards Premier Credit Card: Receive one free night worth up to 40,000 points for stays at IHG hotels after your account anniversary each year.
• IHG One Rewards Premier Business Credit Card (see rates and fees): Receive one free night worth up to 40,000 points for stays at IHG hotels after your account anniversary each year.
• Marriott Bonvoy Brilliant® American Express® Card: Receive a free night award worth up to 85,000 points every year after your account renewal.
• Marriott Bonvoy Boundless Credit Card: Enjoy a free night award worth up to 35,000 points every year after your account anniversary.
• Marriott Bonvoy Business® American Express® Card: Get a free night award worth up to 35,000 points every year after your account anniversary. Earn an additional free night award worth up to 35,000 points after spending $60,000 on purchases in a calendar year.

Bottom line

Free night awards can be some of the most lucrative credit card benefits available. Depending on how you redeem them, they can save you hundreds (or even thousands) of dollars.

That said, many come with restrictions and other conditions, and they have expiration dates. So, make sure you read up on free night awards offered by any card you are interested in to ensure you can take full advantage of them and maximize the value you receive from them.

Related: How much does a 'free' hotel stay really cost? I compared Marriott and Hyatt to find out

If you're a Marriott Bonvoy loyalist, you don't need us to tell you that the lack of posted award charts for points redemptions can be frustrating, to say the least.

One of the true pain points of dynamic pricing is not being able to easily see when award costs increase, which seems to happen with regularity since Marriott introduced a dynamic pricing model in 2022. It's especially disheartening when you've been saving towards a special vacation at a property you've had on your eye on, only to find it's suddenly out of reach.

Unfortunately, based on online reports and our own searches, Marriott Bonvoy appears to have increased its award costs across many properties this past weekend in spots around the globe.

As Loyalty Lobby first shared, Chinese award booking sites and hotel pricing trackers noticed a whopping 5% to 10% devaluation over the weekend.

And we've been seeing redemption points inching up for year-over-year amounts, too.

In our research, we've found that Marriott's highest award prices have increased by an average of nearly 13% in just over a year, based on a sample of popular properties that we tracked award prices for. And across the board, we're seeing the largest points increases at St. Regis, Ritz-Carlton, Edition and Luxury Collection properties.

For example, we are now seeing highest nightly award rates at The Ritz-Carlton New York, NoMad for 160,000 per night, up from 142,000 points per night last year; The St. Regis Maldives Vommuli Resort for as high as 220,000 per night, up from 198,000 points per night; and the Mystique Santorini, Luxury Collection, up an eye-watering 46,000 more points per night, from 126,000 last year to 172,000 currently (that's actually a 36.5% jump!).

This also presents a challenge for anyone hoping to redeem their Marriott free night certificates. We can see that several properties that would have been easily redeemable at the 35,000-, 50,000- and 85,000-point levels are now just over the redemption amounts, meaning you'll need to add from a separate stash of points. And you're also capped at adding 25,000 points to a certificate.

Here's a chart comparing our 2025 highest award pricing findings to 2026/2027 highest award pricing for a sampling of popular properties:

Bottom line

Four years after dropping its award charts for a dynamic pricing structure, Marriott Bonvoy has significantly increased the number of points it costs to stay at some of its properties — and they've done so quietly, without warning. Prices are up not just significantly from last year, but even just this past weekend.

Now, you could easily wind up paying nearly 200,000 points per night at certain Marriott properties. And this per night points increase has considerably dampened the power of points certificates at the 35,000-, 50,000- and 85,000-point levels.

Weekend getaways are an underrated way to travel — especially if you're short on time or trying to stick to a budget. However, a quick trip can easily get off track if you don't plan appropriately.

Here are the six most common mistakes you should avoid to ensure you have a smooth weekend escape.

Picking a destination too far away

Time is of the essence on a weekend trip. You only have a few days to soak in a new destination, and you don't want a long-haul flight or a road trip to eat up too much of that time.

Whether you're flying or driving, we recommend aiming for a destination no more than five hours away. That leaves you with plenty of time to actually enjoy your trip before you have to head home.

Related: 18 best weekend getaways in the US

Not being strategic with your flight times

The time of day you fly matters, especially on a short trip. But there are a few common misconceptions about how to pick flight times to maximize your trip.

For your outbound flight, book a morning departure. Early morning flights are less likely to be delayed, according to U.S. Department of Transportation data, and it means you'll have more time to spend in your actual destination. Plus, specifically in the summertime, the weather is also a factor. TPG principal spokesperson Clint Henderson canceled a trip to Washington, D.C., after flights on Friday were delayed and canceled, and he realized nearly half of his "quick weekend away" would be spent at the airport.

For your return flight, you may assume taking the last flight out is your best option to maximize your time. For some people, that may be true, but in our experience, it's better to head out earlier in the day. "Usually by Sunday, I am just ready to be home and always wish I had booked the earlier flight," said TPG director of sales enablement Brooke Willaby.

Booking a hotel too far away from the action

It can be tempting to stay outside the main tourist areas to save money, but during a quick getaway, the money saved can easily be outweighed by the time, money and hassle of commuting.

This is where using your points and credit card benefits can be a huge help. Weekend trips are the perfect time to use those free night certificates and travel portal credits, and a shorter trip will cost you fewer points (making it easier to use a smaller stash of points on a redemption). That way, you don't have to sacrifice convenience or precious time commuting just to save money.

Related: 10 points hotels to book near major cities for an easy, last-minute summer getaway

Overpacking

Admittedly, I am the queen of overpacking. I like having multiple outfit options, and I don't like to sacrifice steps in my skincare routine. But after I've lugged an overstuffed bag around all weekend (and left multiple items unworn), I always regret not sticking to the basics.

When you are just taking a short trip, a full skincare routine and multiple backup outfits aren't necessary. Plan what you plan to wear based on your itinerary, strategically pick items you can mix and match, and keep your toiletries to the things you know you can't live without.

Related: 5 travel packing tips to save space in your luggage

Bringing the wrong type of luggage

Speaking of lugging an overstuffed bag around ... Not all luggage is made for all types of trips.

If you're flying on a regional jet or doing a lot of walking with your luggage, a small, wheeled carry-on may be better than an overstuffed backpack.

For example, TPG credit cards editor Olivia Mittak found a backpack easier to manage on a recent weekend trip to Vancouver. "My backpack was stuffed to the brim, so it wouldn't fit in the tiny overhead bin and almost got completely stuck under the seat in front of me on my flight back. It was also a lot of weight to carry-on my back all around the city."

Alternatively, if you know you'll be taking a lot of stairs or walking across uneven terrain, a backpack is likely the better option. TPG managing editor of loyalty content Lyndsey Matthews always opts for a backpack when she's taking Amtrak and dealing with a lot of stairs. And I can personally attest that dragging a wheelie bag over the cobblestone streets and a million stairs throughout Edinburgh isn't a fun experience.

Cramming your itinerary

When you only have a couple of days in a destination, you may be tempted to pack every minute of every day so you can soak in as much as possible. While I certainly understand the impulse, it can easily make your trip more stressful and leave you more exhausted at the end than when you started.

If you're headed somewhere new for a weekend trip, pick a few standout must-do activities and leave room for exploration and rest. Not only will it mean you're more likely to come home feeling refreshed, but it also allows for unexpected experiences you didn't plan for. Sometimes, those are the best parts of a trip.

Bottom line: Not doing your research

There's a common thread that connects most of these mistakes. A weekend trip may seem like the perfect time to fly by the seat of your pants, but when you only have a small amount of time in a destination, it's even more important to do your research before you leave.

Identify can't-miss itinerary items, pick a place to stay that's convenient to those things, pre-book the things that require a reservation or tickets, figure out transportation (whether you're driving yourself, booking a ride-hailing service or using public transit) and know what you plan to wear.

Doing the work on the front end will save you time and stress during your actual trip and help you avoid many of the mistakes I've listed above.

Related reading:

• The 12 best road trips to take with your family this summer
• The best time to book flights for the cheapest airfare in 2026
• Summer travel checklist: 12 things to do now to make your trip great
• TPG tips to save on airfare in 2026

Getting approved for a new credit card is exciting, but waiting a week or more for it to arrive in the mail isn't. Fortunately, some issuers let you start using your new card immediately after approval, either by providing an instant card number or by allowing you to add your card to a digital wallet.

That instant access can give you a head start on meeting the welcome bonus spending requirement, since the clock starts ticking as soon as your account is approved — not when your physical card arrives. It can also come in handy if you need to make a purchase right away, whether you're booking travel or taking advantage of a 0% introductory APR offer.

Here's a look at which major credit card issuers offer instant card numbers, digital wallet access or both.

Our top picks for cards with instant access

Some issuers provide an instant card number, while others let you add your card to a digital wallet immediately.

For cobranded store credit cards, you may also receive a discount on your purchases, starting as soon as you use the card. It's important to note that some issuers, like Chase, will allow you to add your card to a digital wallet but not give an instant card number.

Not every issuer provides an instant card number. Some, like Chase, instead let eligible cardholders add their new card to a digital wallet immediately after approval. Both options let you start using your card before the physical version arrives.

While there are too many cards to list that offer instant card numbers or access, here are six of our top picks.

American Express

American Express provides your new account number immediately after approval of your online application, assuming your identity can be verified.

The instant card number will be the same as the physical card you'll get in the mail, but the four-digit card identification number on the front of the card will be different. Because of that, you'll want to avoid using this card for recurring payments.

Note that instant card numbers for some cobranded cards may only be used with the cobranded company (like Delta, Hilton or Marriott).

In addition to instant numbers for new cardmembers, Amex gives existing cardmembers access to their card information when ordering replacement cards.

Related: The best American Express cards

Most Amex personal and business cards offer instant card numbers (except for the Amazon Business Card and the Amazon Business Prime Card).

The information for the Amazon Business and Amazon Business Prime cards have been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Some of our top picks include:

• Amex Platinum
• Amex Gold
• Blue Cash Preferred® Card from American Express
• Hilton Honors American Express Aspire Card

Related: The power of the Amex Trifecta

Bank of America

Occasionally, those with Bank of America checking accounts may receive a targeted promotion offering an instant card number for cards like the Bank of America® Premium Rewards® credit card; however, this is not standard practice.

You may be able to receive an instant card number by applying through the Bank of America app, but data points on this vary. Your best bet is to establish a relationship with Bank of America and wait for a targeted offer.

Related: The best Bank of America credit cards

Barclays

With Barclays, you may be eligible to receive a virtual card number upon approval. When added to a digital wallet, this number can be used to make purchases until your physical card arrives.

You should be able to retrieve your virtual card number from the same page you use to check your application status, provided you're approved for the card.

Capital One

It may be possible to use your Capital One card number instantly, but not everyone will have this opportunity. You must be an existing account holder and use the Capital One mobile app to access an instant account number.

This differs from Capital One's virtual card numbers, which are designed to help protect your purchases rather than provide immediate access to a newly approved account.

Some of our top picks for Capital One cards offering instant card numbers to eligible applicants are:

• Capital One Venture Rewards Credit Card
• Capital One Venture X Rewards Credit Card
• Capital One Quicksilver Cash Rewards Credit Card

Related: Capital One Venture vs Venture Rewards

Cardless

Cardless focuses on cobranded credit cards you can use without a physical card. These are available instantly upon approval and can be used throughout the life of the card.

Through the Cardless app, you can access these cobranded cards and even get a new card number immediately if your card is ever compromised.

Cardless provides cobranded credit cards for brands like Simon Property Group, Avianca, Bilt and LATAM Airlines.

Chase

It is possible to use popular Chase cards instantly upon account approval by adding them to a digital wallet via Spend Instantly. These include the Chase Sapphire Preferred, United℠ Explorer Card (see rates and fees) and World of Hyatt Credit Card (see rates and fees).

It's important to note that this does not include a way to access an instant card number, but a way to instantly add your card to a digital wallet.

Here are the steps to set up Spend Instantly.

1. Open the Chase app.
2. Go to your card account.
3. Navigate to "Account services", then select "Digital wallets".
4. Then, choose which mobile wallet you want to add your card to. Follow those steps, and you should be good to go to use your card at merchants that accept digital wallets.

However, the issuer notes that there are several cards you cannot use immediately, including Mastercards, Amazon cards, and business cards.

Related: The best Chase cards

Citi

Citi offers instant card numbers for select cards if your application is approved instantly and your identity is verified. However, note that you'll have just one opportunity to view this number, so be sure to write it down.

Instant credit card numbers are not available on small-business or American Airlines credit cards, according to a Citi spokesperson.

Some readers have reported not having the option to get an instant card number with cards like the Citi Double Cash® Card (see rates and fees).

If your credit card application is approved instantly, you can click on "Get Card Number Today" to access your new card's virtual number. Verification may be required to access your instant card number.

Once you see a green check mark, click on "See Card Summary" to view your temporary card number and card verification value number. However, you won't have access to your card's full spending limit until you receive the physical card.

However, only a few cards typically allow you access to your temporary card number, including:

• AT&T Points Plus℠ Card
• Citi Custom Cash® Card
• Costco Anywhere Visa® Card by Citi (see rates and fees)

A caveat here is that you can only make purchases via instant access at AT&T and Costco with the AT&T Points Plus and Costco Anywhere Visa, respectively. Instant access purchases are not available at other merchants with those cards.

The information for the AT&T Points Plus Card and Citi Custom Cash has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: The best Citi credit cards

Discover

Discover often gives you an instant decision on whether you've been approved for a credit card. After this decision, if eligible, you can receive a virtual card number to use online or add to a digital wallet.

The Discover it® Cash Back Credit Card is our top pick. It is a good card for beginners, offering an unlimited cash-back match in the first year and rotating 5% quarterly cashback categories.

The information for the Discover it Cash Back card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

SoFi

SoFi's credit cards offer instant access to a digital card, with physical cards arriving in the mail within 10 business days. These cards include:

• SoFi Unlimited Credit Card
• SoFi Everyday Cash Rewards Credit Card
• SoFi Essential Credit Card

The first two options offer great cash back. The SoFi Unlimited offers unlimited 2% cash back on all purchases. Meanwhile, the SoFi Everyday offers up to 3% bonus cash back in a variety of categories, including dining and groceries.

The information for the SoFi Unlimited Credit Card, SoFi Everyday Cash Rewards Credit Card and SoFi Essential Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: The best 2% cash-back credit cards

Synchrony

There are two Synchrony cards you can use immediately upon approval. However, you'll only be able to use them instantly within digital wallets or within their respective apps: PayPal (for the PayPal Cashback Mastercard®) and Venmo (for the Venmo Credit Card).

You'll need to wait for your card to arrive by mail before you can make purchases with other merchants.

The information for the PayPal Mastercard and Venmo Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

US Bank

U.S. Bank typically offers instant card numbers only to consumer cardholders who have verified identities and a banking history with the bank. U.S. Bank has some excellent cash-back card offerings, including:

• U.S. Bank Altitude® Go Visa Signature® Card
• U.S. Bank Altitude® Connect Visa Signature® Card

The information for the U.S. Bank Altitude Go and U.S. Bank Altitude Connect Visa Signature Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Wells Fargo

Wells Fargo generally does not offer instant card numbers, but you may be able to add your card to a digital wallet. Where you can use this virtual card may be restricted until your physical card arrives.

Bottom line

Some issuers offer expedited shipping for your new card. In most cases, though, you'll have to wait roughly a week for your new card to arrive in the mail.

Having instant access to your new card details can make a big difference, especially if you want to start working toward meeting the minimum spending requirement to receive a welcome bonus as soon as possible.

If getting immediate access to your new card is important, check whether your issuer offers an instant card number or digital wallet access before you apply. That extra week or so can make a meaningful difference when you're working toward a valuable welcome bonus or need to make a purchase right away.

Related: Want concert presale access? Don't be loyal to one bank

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For rates and fees of the Amex Platinum card, click here.
For rates and fees of the Amex Gold card, click here.

No matter the season, my brain automatically defaults to "beach" or "theme park" when it comes time to plan a vacation. It's not that I don't think snowcapped mountains are a splendor to behold; I just don't enjoy being cold (or the time it takes to don the necessary layers to stay warm in frigid temperatures).

I don't want to miss out on seeing some of the world's most majestic destinations just because I have a proclivity for tropical vacations, so I decided to give a summertime visit to a wintertime destination a try.

That's how I found myself booking a trip to Jackson Hole, Wyoming.

While the mountain town may be best known for its world-class skiing, summer brings out another side of Jackson Hole's beauty, and methods of exploration that don't involve strapping on skis or lacing up snowboots.

I may not know much about skiing or the best brand of snow boots, but I knew exactly which credit card to use when it was time to start planning my trip — the Delta SkyMiles® Reserve American Express Card.

From Delta Sky Club® access to earning miles on my hotel stay, the Delta SkyMiles Reserve Card made every part of the trip planning process better. And the benefits (and miles) kept piling up once I arrived in Wyoming. It's why I gladly pay the $650 annual fee year after year (see rates and fees).

Here's how I planned the perfect trip using my Delta SkyMiles Reserve American Express Card.

Getting to Jackson Hole

You don't need to arrive in Jackson Hole on a private jet or a chauffeured car to feel like a VIP. Before, during and after takeoff, the Delta SkyMiles Reserve card made me feel like a star in my own right.

At the airport: Less time in line, more time for coffee and croissants

Nobody likes waiting in line at the airport, and with my Delta SkyMiles Reserve card, I walk right past the long airport security line for the much shorter TSA PreCheck® line. The Delta SkyMiles Reserve offers a $120 statement credit for Global Entry or up to $85 for TSA PreCheck every four years (application fee charged to the Delta SkyMiles Reserve Card when you apply through a TSA Official enrollment provider; applicants approved for Global Entry will receive access to TSA PreCheck at no additional charge; terms apply), making it valuable for domestic and international trips.

As a cardmember, I also receive access to the Delta Sky Club when I fly Delta. I automatically get 15 visits each Medallion year, and I can unlock unlimited visits after spending $75,000 in purchases on the card in a calendar year (terms apply). Getting to the airport early is a lot more fun when complimentary espresso and breakfast are involved. And, during my layover at Salt Lake City International Airport (SLC), I slipped right into vacation mode at the newly opened Sky Club.

On top of all that, I got two checked bags free on my domestic Delta flight, so I had space for hiking clothes ... and my denim dress and cowboy boots. Terms apply.

On the flight

When I fly Delta with my Delta SkyMiles Reserve Card, I also enjoy Zone 5 priority boarding and a higher spot on the upgrade list (after Medallion Members when traveling with an eligible ticket; based on availability, terms apply). That means I can get to my seat more quickly, and often end up in a more comfortable seat than the one I booked. And with overhead bin space at a premium, boarding early ensures I get to keep my carry-on bag (and the inflight necessities it holds) right where I can see it.

Even with a lounge visit during my layover, flying from the Midwest to Wyoming is quite a distance to cover. When I got hungry midflight, I saved 20% on eligible Delta inflight purchases like this snack box (which I get back as a statement credit) by paying with my Delta SkyMiles Reserve Card. Terms apply.

And when the time comes, I can redeem the miles I earn with my Delta SkyMiles Reserve card for award flights faster, thanks to the 15% discount (not applicable to partner-operated flights or taxes and fees) I receive when booking with miles through delta.com and the Fly Delta app. Terms apply.

On the ground

After I said goodbye to my friendly Delta flight crew and picked up my two free checked bags from baggage claim, I skipped the long line at the rental car counter and went to the much shorter line for elite members, thanks to complimentary Hertz President's Circle® Status with my Delta SkyMiles Reserve card. (Must add Hertz Gold+ Account number to SkyMiles Account associated with eligible card and enroll in promotion at delta.com/hertz to receive the benefit. Terms apply.)

I'm also eligible for guaranteed car upgrades and the widest selection of cars. I went with something rugged that matched the outdoorsy vibes; a Ford Expedition.

A car is pretty much a must for exploring Jackson Hole and the nearby Grand Teton National Park, so it gives me peace of mind knowing that my Delta SkyMiles Reserve Card includes car rental loss and damage insurance.

My summertime stay in Jackson Hole

If you think paying for my flight and rental car were the only times I used my Delta SkyMiles Reserve American Express card while planning this trip, think again. I'm earning miles on my hotel stay, plus all of the delicious food I ate and the outdoor activities I participated in during my time in Jackson Hole.

The hotel

One of my favorite unexpected benefits of the Delta SkyMiles Reserve card is the ability to earn up to $200 in statement credits each year when I book a prepaid hotel or vacation rental through Delta Stays, Delta's dedicated hotel booking portal that lets me earn status and receive statement credits on eligible bookings made via ​​delta.com or delta.com/stays. Terms apply.

After scouring the available options, I settled on the luxurious Hotel Jackson. It's located right on the town square in downtown Jackson, and I splurged on a high-floor premium room with a fireplace and balcony to best take in the mountain views.

By booking through Delta Stays using my Delta SkyMiles Reserve Amex, I earned more than 18,000 miles for my stay; the base miles that all SkyMiles members get and an additional 3 miles per dollar on Delta purchases because I paid using my Delta SkyMiles Reserve card. Terms apply.

I also earned up to $200 in statement credits by using my Delta SkyMiles Reserve card to book a prepaid stay at the Hotel Jackson through Delta Stays. That's money right back in my pocket that I used toward all of the area's outdoor activities. Terms apply.

The great outdoors

My flight arrived in Jackson Hole just before dinner time. Knowing that my Delta SkyMiles Reserve card gets me up to $20 monthly (up to $240 annually, statement credits applied after the purchase is charged to the card) for use on eligible purchases at more than 10,000 qualifying U.S. Resy restaurants (enrollment required; terms apply), I checked out the list of eligible local restaurants. I don't even need to make a reservation to use the benefit, I can just show up, eat to my heart's content and pay with my card to earn the credit.

The Million Dollar Cowboy Steakhouse in Jackson's town square was at the top of my list.

Also on my itinerary were an aerial tram ride to Corbetts Cabin for mountaintop waffles and hot cocoa, a scenic rafting tour of the Snake River, a visit to Astoria Hot Springs and a little retail therapy in downtown Jackson.

I think you already know which card I used when it came time to pay for my excursions and souvenir shopping. I earn a simple 1 mile per dollar on non-Delta purchases, so the miles I earn on this trip can help fund my next vacation. Terms apply.

Bottom line

Whether you are heading to the beach, the mountains or anywhere in between, the Delta SkyMiles Reserve card can make your next trip easier and more luxurious with benefits like TSA PreCheck, Delta Sky Club access, complimentary Hertz President's Circle status, statement credits for Delta Stays and Resy bookings. Terms apply.

Apply here for the Delta SkyMiles Reserve American Express Card

For rates and fees of the Delta SkyMiles American Express Card, click here.

Chase and Capital One are leaders in the credit card space. If you're looking for your next travel rewards credit card, the Chase Sapphire Preferred® Card (see rates and fees) and the Capital One Venture X Rewards Credit Card are both great options to consider.

The Sapphire Preferred is a mid-tier travel card, while the Venture X is positioned as a premium card. Their annual fees reflect that difference: the Sapphire Preferred has a $95 annual fee, and the Venture X has a $395 annual fee.

While the Venture X carries a much higher annual fee, it isn't automatically the better choice.

Both cards have their own transferable currencies and travel-related benefits. With the Sapphire Preferred, you'll earn Chase Ultimate Rewards points, while you'll earn Capital One miles with the Venture X.

Here's how they stack up.

Quick verdict: Sapphire Preferred vs. Venture X

Choose the Sapphire Preferred if you want valuable transfer partners, strong travel protections and excellent value for a $95 annual fee.

Choose the Venture X if you'll use the $300 annual Capital One Travel credit, airport lounge access and anniversary bonus miles to help offset its $395 annual fee.

Sapphire Preferred vs. Venture X comparison

Sapphire Preferred vs. Venture X welcome offer

New applicants for the Chase Sapphire Preferred can earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.

TPG's July 2026 valuations peg the value of Ultimate Rewards points at 2.05 cents apiece, making this welcome offer worth $2,050.

New applicants for the Venture X can earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening. TPG's July 2026 valuations peg Capital One miles at 1.85 cents apiece, making this offer worth $1,388.

Winner: Sapphire Preferred. Its welcome offer is worth 48% more.

Related: Best credit card welcome offers this month

Sapphire Preferred vs. Venture X benefits

Both cards offer similar benefits, such as no foreign transaction fees, shopping and travel protections, and primary rental car insurance.

In addition, the Sapphire Preferred offers cardholders:

• Up to a $100 hotel credit annually: Receive up to a $100 statement credit for eligible hotel bookings made through Chase Travel.
• Anniversary points bonus: Get 10% bonus points on the total spending made on your card in a given year. (Benefit is being discontinued for cardholders who apply on or after June 15; if you applied prior to June 15, eligible purchases made through Oct. 1 continue to earn the 10% bonus. The points will be awarded by Jan. 31, 2027.)
• Complimentary DoorDash DashPass membership: Olivia Mittak, a TPG credit cards editor, values this benefit since she frequently uses DoorDash to get meals delivered (must enroll by Dec. 31, 2027).
• Baggage delay protection
• Up to $120 Global Entry, TSA PreCheck or Nexus credit
• Complimentary one-year Apple TV subscription (when activated by Dec. 31)

Meanwhile, the Venture X offers:

• Annual $300 Capital One Travel credit: Ben Smithson, TPG's senior points and miles writer, used this credit to book a flight over a long weekend when he couldn't find great value from award flights.
• 10,000-mile anniversary bonus: These bonus miles are worth $185 based on TPG's valuations.
• Lounge access: Receive access to Capital One lounges and landings and a complimentary Priority Pass membership.
• Hertz Gold Rewards President's Circle status*
• Global Entry/TSA PreCheck application fee credit
• Cellphone protection
• Ride-hailing protection

While the Venture X's travel credit can't be used outside Capital One Travel, it should still be relatively easy to use.

The Venture X provides excellent lounge access via entry to more than 1,300 Priority Pass lounges and Capital One's small but mighty network of five lounges (four lounges and one Capital One Landing).

The card also includes cellphone protection, something the Sapphire Preferred lacks. However, the Sapphire Preferred offers baggage delay insurance, which the Venture X does not.

Winner: Venture X. It provides substantially more value with the $300 Capital One Travel credit on bookings through Capital One Travel, anniversary bonus miles, lounge access and automatic elite status, but that's to be expected, as it has more than quadruple the annual fee of the Sapphire Preferred.

Related: Chase Sapphire Preferred cardholders: Why the Venture X is worth adding next

Earning rewards with the Sapphire Preferred vs. Venture X

Both cards earn at least 5 points or miles per dollar spent on eligible travel booked through their respective portals; however, this may not be particularly useful to most, as I generally don't recommend booking through travel portals for travelers who prioritize elite benefits or booking flexibility.

While the Sapphire Preferred has more bonus-earning categories, some are rather niche. It does earn 3 points per dollar spent in a few select bonus categories, including dining, which is a strong everyday bonus category, but others (like online grocery purchases or select streaming services) may not move the needle for everyone.

Meanwhile, the Venture X offers unmatched simplicity. You'll earn at least 2 miles per dollar spent on all purchases and won't have to remember bonus categories

Winner: Tie. The Sapphire Preferred has more bonus categories, but some are niche; the Venture X offers simplicity in its earnings.

Related: Why I love my Chase Sapphire Preferred Card — and will always keep it in my wallet

Redeeming rewards with the Sapphire Preferred vs. Venture X

Your best bet for redeeming your rewards with either card is to use transfer partners. However, there are other redemption options for each card.

Both cards' rewards can be redeemed for a fixed value in each issuer's respective travel portal, as well as for gift cards and cash back (though the latter two options provide the worst redemption value).

With the Sapphire Preferred, your points are worth up to 1.75 cents each through the Points Boost feature when redeemed for eligible travel booked via Chase Travel (see your rewards program agreement for full details). While this is still below TPG's July 2026 valuation of Ultimate Rewards points, it's a solid backup redemption option if you're having trouble finding award availability.

With the Venture X, you can redeem miles at a fixed rate of 1 cent per mile for all travel-related purchases made on your card or for travel booked through Capital One Travel.

Winner: Sapphire Preferred. When redeeming points through Chase Travel, points are worth up to 1.75 cents each, whereas redeeming miles via Capital One Travel or for travel purchases are only worth 1 cent each.

Related: Value simplicity? Why the Chase Sapphire Preferred is now the only card you need

Transferring rewards with the Sapphire Preferred vs. Venture X

Transferring rewards you earn from either card provides maximum redemption value.

With the Sapphire Preferred, you'll have access to Chase's airline and hotel partners.

Stephanie Stevens, credit cards writer at TPG, regularly transfers Chase points earned on her Sapphire Preferred to partners like United MileagePlus and Air France-KLM Flying Blue. Recently, she transferred 28,200 United miles for two nonstop economy flights from San Francisco to Lihue in Hawaii. The cash price for the flights was around $550 each.

With Capital One, you'll have access to 15-plus airline and hotel transfer partners. However, not all partners (like EVA Airways) transfer at a 1:1 ratio. Chase still has an edge here thanks to valuable partners like World of Hyatt and its two U.S. airline partners, Southwest Airlines and United Airlines, while Capital One has just one: JetBlue.

That said, both programs have airline partners in each of the three major alliances: Oneworld, SkyTeam and Star Alliance — which can also be used to book domestic flights.

Winner: Sapphire Preferred. Despite Chase's reduced transfer ratio to World of Hyatt for new cardholders, it still offers one of the strongest transfer partner lineups, including two U.S. airline partners.

Related: How to redeem Chase Ultimate Rewards points for maximum value

Should I get the Sapphire Preferred or Venture X?

If you prefer solid travel protections for a lower annual fee and more U.S. airline transfer partners, then the mid-tier Sapphire Preferred is the way to go. However, if you're after a premium card with perks like lounge access, I recommend the Venture X.

Related: Is the Capital One Venture X right for you? How to decide

Bottom line

The Chase Sapphire Preferred and Capital One Venture X Rewards Credit Card both deliver excellent travel value, but they serve different types of travelers.

If you're looking for premium perks like airport lounge access, an annual travel credit and simple earning rates, the Venture X is worth its higher annual fee.

But if you'd rather keep costs low while still getting outstanding travel protections, flexible redemption options and one of the strongest transfer partner lineups available, the Sapphire Preferred is hard to beat.

Frequent travelers may even find that carrying both cards offers the best of both worlds, with the Venture X covering premium travel benefits and the Sapphire Preferred complementing it with valuable bonus categories and access to Chase's transfer partners.

To learn more, read our full reviews of the Chase Sapphire Preferred and the Capital One Venture X.

Apply here: Chase Sapphire Preferred Card

Learn more: Capital One Venture X Rewards Credit Card

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

*Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g., at hertz.com) will not automatically detect a cardholder as being eligible for the program, and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

For a couple of years now, Delta Air Lines has dropped not-so-subtle hints about a future "basic" version of its business- and first-class tickets.

Now, it's here.

The Atlanta-based airline on Wednesday announced the launch of three new "basic" fares that will expand the no-frills basic economy concept to its high-end cabins:

• Delta First Basic — a slimmed-down version of its domestic first-class tickets
• Premium Select Basic — a basic premium economy fare
• Basic Business — a skinny version of its luxe Delta One tickets

The carrier has started selling all three of these restrictive new fares on certain routes.

On each, expect tighter rules and fewer perks, even when flying on some of the airline's most expensive tickets.

Delta's basic business restrictions

Just like with basic economy, flyers who book a basic premium fare will pay less money but face new restrictions.

A big one? Passengers who book Delta's new basic business-class fares won't be able to enter its swanky Delta One Lounges (effective Jan. 19, 2027). And, despite spending (oftentimes) thousands of dollars for their flight, they won't be eligible to pick which lie-flat suite they'll fly in.

Similar to basic coach fares, passengers who book discounted premium tickets will lose flexibility and face cancellation fees if their plans change. They'll typically get one fewer bag than they're usually allowed. Plus, they'll earn fewer SkyMiles for their flight.

In a statement announcing the news, the airline framed the move as a way to give customers more choice:

"This expansion is about giving price-sensitive travelers a new entry point into the premium cabins, not changing anything for customers who book Classic or Extra," the carrier said.

At the same time, customers will rightly wonder whether — on some flights, at least — they'll end up spending the same amount of money for a ticket that now has fewer perks than it did before.

A long time coming

Delta has been talking about introducing basic versions of its premium fares for about two years. The move builds on the airline's expansion of basic economy over the past 14 years, a fare class originally introduced to help major airlines compete with low-cost carriers.

The carrier had already started selling basic versions of its extra legroom Comfort seats last fall.

Delta is not the first U.S. carrier to launch basic business and premium economy fares, either. United Airlines this spring started selling basic Polaris business-class and Premium Plus tickets on long-haul flights.

Related reading:

• Your complete guide to the Delta SkyMiles program
• How to redeem Delta SkyMiles for maximum value
• Best Delta credit cards
• The best credit cards to reach elite status in 2026
• Delta leaves Medallion status requirements unchanged in 2026
• Best US airlines: Delta edges out rivals to win 8th straight title

It's already been a long summer for travelers headed to Europe, and it's only the first week of July.

In March, the EU rolled out its EES biometric entry/exit system, resulting in what can best be described as a chaos-induced headache. Lines have stretched for hours, passengers have missed flights and airports have been pushed into disarray.

Although the EU has not taken steps to address the current EES woes, there is a bit of relief for travelers with a trip to Europe on the horizon: ETIAS (European Travel Information and Authorisation System), EU's much delayed electronic "visa" program for nonresidents, will now have its launch date pushed into 2027, from fourth quarter 2026, according to the Financial Times.

This is not the first time ETIAS has been delayed. Originally scheduled to launch in spring 2023, the "e-visa" has gone through multiple year setbacks. Most recently, the European Union had said ETIAS would come online by the end of the year, but that, too, is now up in the air.

"EU-Lisa, the agency in charge of implementing Etias, has acknowledged that launching it by the end of this year as planned was no longer feasible," says the Financial Times, after the "technical glitches and slow deployment of the bloc's new electronic entry/exit system (EES)," that requires non-EU travelers to scan their fingerprints and facial images at border crossings.

What is ETIAS

ETIAS is a travel authorization that will be required for U.S. citizens who wish to visit 30 different countries across the continent, both inside and outside the EU's Schengen Area.

(It's worth noting that Cyprus and Ireland are not currently using EES, and Ireland has also not signed on for ETIAS.)

It will also now cost even more than when first proposed. After initially pricing the ETIAS fee at 7 euros (roughly $8), the European Union increased the fee to 20 euros (about $23).

Although sometimes referred to as a "visa," ETIAS is actually just an online application (and fee) and preauthorization to travel. When it becomes active, it will be much easier and much less expensive to obtain than a traditional travel visa issued by an embassy.

The United Kingdom started enforcing a similar program this past February called ETA, which has also experienced serious bumps and outages this summer. For the U.K., visitors must pay 20 British pounds (about $27) for an ETA travel authorization valid for two years or until their passport expires, whichever comes first. (You can find step-by-step instructions for applying for the U.K. version here.)

Bottom line

Fortunately, Americans planning to visit Europe don't need to worry about ETIAS right now. If reports are correct, ETIAS is now due to launch in 2027, although no specific date has been given.

When ETIAS finally is launched, be prepared to go through one more step and pay one more fee in the travel process as part of traveling to Europe. Stay tuned for further developments related to this program.

Related reading:

• TPG's 2026 travel trends report
• The best travel credit cards
• Global Entry vs. TSA PreCheck: Which is right for you?
• Where to go in 2026: The 17 best places to travel
• When is the best time to book flights for the cheapest airfare?
• 7 ways to get free or discounted TSA PreCheck, Global Entry or Clear
• Which US airline is best? TPG's latest rankings

Not every great vacation requires taking a week off work. Sometimes all you need is a weekend, a direct flight and the right destination for your perfect getaway.

Whether your ideal escape involves hiking through dramatic landscapes, lingering over unforgettable meals, spending time with the kids, snuggling up with your loved one, exploring museums or relaxing on the beach, there's a weekend escape waiting for you.

Each of the destinations below is easy to enjoy in just two or three days. Just choose your travel style and we'll supply all the details for a weekend vacation that's sure to please.

Related: 18 best weekend getaways in the US

For families: San Diego

San Diego checks nearly every box for a fun, family-friendly getaway. Spend the morning meeting giant pandas, tigers and monkeys (just to name a few) at the San Diego Zoo. In the afternoon, explore the science or natural history museums at Balboa Park, or skip the indoor activities and opt instead for the old-school carousel and the miniature train around the leafy green park.

The next day, head to La Jolla to watch the boisterous sea lions and visit the kid-size aquarium or head to the USS Midway to tour a real-life aircraft carrier. Too much for the kids? Don't worry, there are 17 miles of golden beaches where you can simply relax and play in the sand, too.

Where to stay: It doesn't get more iconic than Hotel del Coronado, part of the Curio Collection by Hilton. Families, including mine, love its beachfront location, multiple pools, kids' programming, bike rentals, fire pits and easy access to Coronado Island's ice cream shops and wide, sandy beach.

For city explorers: Chicago

Easy to navigate Chicago rewards travelers who love exploring a city on multiple levels. Start off with the Windy City's famed museums, including the masterpieces at the Art Institute of Chicago and the dinosaurs at the Field Museum. Then schedule in some time to discover the only-here neighborhoods like the Andersonville, Lincoln Square, Pilsen and the myriad dining spots in the West Loop. Then head to the South Side, which now boasts the must-visit Obama Presidential Center, a hybrid of a museum, cultural center and neighborhood hangout that offers everything from outdoor movies to a vegetable garden to lectures and performances.

Add in some deep-dish pizza, Italian beef sandwiches, an architectural cruise (my favorite way to see the city) and skyline views from the Willis Tower Skydeck, and you'll have no shortage of ways to fill a weekend.

Where to stay: The Gwen, a Luxury Collection Hotel, is one of our favorite boutique hotels in Chicago, and it happens to be part of Marriott Bonvoy. The property sits just off Michigan Avenue, putting the city's top museums, shopping and restaurants within easy walking distance, and the elegant rooftop terrace is the perfect spot to cap off the day.

Related: The 17 best Chicago hotels

For beach lovers: Clearwater, Florida

If your perfect weekend is all about sun, sand and warm Gulf waters, Clearwater Beach is hard to beat. Consistently ranked among America's best beaches, its powder-soft white sand and extremely calm, crystal-clear water make it ideal for swimming, paddle boarding or simply settling into a beach chair with a good book.

Take a dolphin-watching cruise or visit the Clearwater Aquarium, and don't miss Pier 60 which has a sunset festival every single night with music and street performers. And what's a beach getaway without a seafood feast? You'll find fresh from the Gulf Coast grouper, shrimp, oysters and stone crab (in season) at waterfront favorites like Frenchy's, Caretta on the Gulf or aptly named Crabby's, just to name a few.

Where to stay: The JW Marriott Clearwater Beach Resort & Spa is one of the area's top luxury hotels with spacious rooms and suites, a stunning rooftop pool overlooking the Gulf, a full-service spa and direct access to Clearwater Beach.

For music fans: Nashville, Tennessee

If you're a country music fan or simply love discovering a city through its live music scene, Nashville delivers a weekend that's perfectly in tune for weekend travel. Spend an afternoon touring the expansive Country Music Hall of Fame and the petite but fascinating Johnny Cash Museum to gear up for an afternoon (and ok, probably evening, too) hopping between the honky-tonks along Lower Broadway where live music pours out of nearly every doorway from morning until late at night.

The next day, take a tour of the Ryman Auditorium, the original home of the Grand Ole Opry. The venue now hosts a variety of touring acts and is a a great place to catch a show. For more live music, plan an old school Nashville night at the Grand Ole Opry's newer digs in Music Valley (even if you don't know a lot about country music, the show moves quickly and keeps the pace lively, one of the reasons it's survived for a full century!). Or head to the Bluebird Cafe for an intimate singer songwriter evening.

To explore another angle of the city, cross the Cumberland River into East Nashville, where the vibe gets more eclectic. Stop for vinyl at The Groove, coffee at Barista Parlor and natural wine at Pelican & Pig before checking out smaller music venues like the Basement East or The 5 Spot, all of which offer a more laid-back setting than downtown's Broadway strip.

Where to stay: Thompson Nashville, part of World of Hyatt, puts you in the heart of The Gulch, one of the city's most vibrant neighborhoods. The boutique hotel is within walking distance of top restaurants and nightlife, while its stylish rooms, rooftop bar and excellent service make it a favorite for a weekend getaway.

Related: The best hotels to book in Nashville for the full Music City experience

For foodies: New Orleans

Gumbo and jambalaya and crawfish, oh my! New Orleans packs enough mouth watering food into a single weekend to keep even the hungriest traveler satisfied.

There is only one way to start your trip, and that's with beignets and cafe au lait at the iconic Cafe du Monde (be warned, you will definitely be covered with powdered sugar). Lunchtime, grab a po'boy from the legendary Domilise's Po-Boy & Bar or a multi-layered muffaletta sandwich from Central Grocery.

Stroll until you hit Acme Oyster Bar, where you can knock back a few bivalves crowded around standing tables with fellow oyster lovers. Dinner you say? Spend the evening at iconic dining spots like Commander's Palace, Cochon or GW Fins.

Between meals, sip a Sazerac at The Sazerac Bar (sip slowly, trust me on this) or sidle up the spinning carousel bar at the Hotel Monteleone. Need a break from all the food and drinks? Catch live jazz on Frenchmen Street and wander the French Quarter or Magazine Street for shopping, galleries and boutiques.

Where to stay: The Eliza Jane, Autograph Collection, occupies a series of beautifully restored 19th-century buildings which were once occupied by the Daily Picayune sits just outside the French Quarter in the trendy Warehouse District. All of the nearly 200 rooms here have unique layouts; the hotel's lobby lounge, The Press Room, is full of antique typewriters and original architectural details; and Couvant, The Eliza Jane's signature restaurant, serves French-inspired specialties in a dining room full of art from the Peychaud Cocktail Bitters factory that also once occupied the space.

Related: The best hotels in New Orleans, from the French Quarter to the Garden District

For outdoor adventurers: Moab, Utah

If your ideal weekend means swapping city streets for soaring sandstone arches, winding canyon trails and star-filled skies, Moab belongs at the top of your list. The adventure hub of eastern Utah is the gateway to both Arches National Park and Canyonlands National Park, making it one of the few places where you can experience two of America's most spectacular national parks in a single weekend.

Start your trip early with sunrise at Delicate Arch or an easy walk to Landscape Arch, then spend the afternoon tackling scenic hikes or taking in panoramic views from Mesa Arch in Canyonlands.

Go horseback riding to take in the towering red cliffs, experienced mountain bikers can test their skills on the infamous Slickrock Bike Trail, and thrill-seekers can book guided rock-climbing excursions, canyoneering adventures or a whitewater rafting trip down the Colorado River. If you'd rather check out the scenery from behind the wheel, the drive along Utah Scenic Byway 128 is one of the most beautiful in the Southwest.

When the sun goes down, don't rush indoors. Moab sits beneath some of the darkest skies in the country, there are three official dark skies parks here, making it an exceptional destination for stargazing.

Where to stay: Hoodoo Moab, Curio Collection by Hilton is an ideal base for exploring southeastern Utah. Located just minutes from downtown Moab, the resort features a large outdoor pool, hot tubs, a full-service spa and spacious rooms with views of the surrounding red rock landscape.

For culture hounds: Dublin

If you're looking for a weekend that immerses you in a new culture, but is an easy jump from home, Dublin is a top option. From Boston and New York, it's a quick six hour, nonstop flight. Plus Ireland isn't using the EES system that's currently plaguing other EU countries, and U.S. Customs pre-clearance means an especially easy journey back home, too.

Begin your trip to Dublin with a visit to Trinity College to see the Book of Kells. Then join the new Trinity Trails Literary Walking Tour that covers everyone from Sally Rooney to Oscar Wilde. After, pop into MoLI, the Museum of Literature Ireland (it's especially interesting if you love James Joyce).

Art fans will want to spend at least an afternoon at The National Gallery of Ireland, which offers free admission and an outstanding collection of Irish and European masterpieces. Thirsty? A tour of Guinness Storehouse dives into the sudsy history of brewing in Dublin, and there are fabulous views from the glass enclosed Gravity Bar while you sip your free pint, too.

Where to stay: Spend the weekend at posh The Merrion Hotel, a member of Leading Hotels of the World, just a block away from the National Gallery, and you'll be surrounded by the largest privately held collection of Irish art in the world. The property spans four historic Georgian townhouses that surround one of the loveliest private gardens in Dublin (a special treat even on a cloudy day). There's an indoor pool, spa and the two Michelin Star Restaurant Patrick Guilbaud. Don't miss the afternoon art tea, where the talented pastry chefs recreate and pay homage to the masterworks on display in the hotel in tiny teacake form.

For couples: Savannah, Georgia

Savannah feels custom built for a romantic weekend: Spanish moss drapes over centuries-old oak trees, horse-drawn carriages clip-clop past perfectly preserved squares and waterfront sunsets over the Savannah River create the perfect atmosphere for an unhurried evening together. The city's walkable Historic District makes it easy to spend a weekend wandering between shaded parks, ornate ironwork balconies and hidden courtyards that seem made for lingering conversations.

Spend your days strolling through Forsyth Park and exploring the city's 22 historic squares, each with its own personality and architecture. And don't miss the galleries at SCAD Museum of Art, where you'll discover a mix of up-and-coming and top American artists.

Stop for lunch at local favorites like The Grey, a restored Greyhound bus terminal turned modern Southern restaurant, or Vic's on the River, where you can watch the water roll by on the river. In the evening, enjoy cocktails at The Olde Pink House, set inside an 18th-century mansion, or take a moonlit ghost tour if you're in the mood for something a little more atmospheric.

Where to stay: The Perry Lane Hotel, part of Marriott's Luxury Collection, is luxe boutique option in the heart of the Historic District, about a 10 minute stroll from the waterfront. There's a rooftop pool and lounge where you can easily spend the evening watching the sunset with a wine or handcrafted cocktail.

Related: Southern charm and modern style: TPG's guide to Savannah, Georgia

For wine aficionados: Napa Valley, California

Few destinations in the U.S. are as closely associated with wine as Napa Valley. Stretching from Napa to St. Helena and Calistoga, the region is built for slow, indulgent weekends centered around vineyard visits, cellar tastings and long, lingering lunches (accompanied by more wine, natch).

For an intimate tasting experience, I like to plan stops at Baldacci Family Vineyards in Napa for small-production Cabernet and Syrah in a relaxed setting; historic Larkmead Vineyards (circa 1895) in Calistoga for bold red blends; and Mi Sueño Winery, a family-owned producer of excellent Sauvignon Blanc. Together, they offer a snapshot of Napa beyond the most famous labels, with a focus on storytelling and laid-back sipping.

Between tastings, unwind in Calistoga's mineral hot springs, bike quiet vineyard roads or enjoy unhurried meals in Yountville and St. Helena. Or, for something a little more elevated, pun intended, take a sunrise hot-air balloon ride for sweeping views of the valley's tapestry of vines.

Where to stay: Alila Napa Valley, part of World of Hyatt, is one of wine country's most sought-after stays. Set beside Beringer Vineyards in St. Helena, the adults-only resort features vineyard-view rooms and suites, a serene pool terrace and a standout spa program.

Related reading:

• Where to go in 2026: The 17 best places to travel
• The 16 best solo travel destinations
• These are the hotel openings TPG is most excited for in 2026
• Best hotel credit cards

For business owners looking to dip their toes into the Delta Air Lines cobranded card lineup, the Delta SkyMiles® Gold Business American Express Card is a solid starting point. With perks like priority boarding, free checked bags and inflight discounts, it's built to give Delta travelers useful benefits without the higher annual fees charged by Delta's more premium business cards. Card rating*: ⭐⭐⭐

*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

Delta Gold Business Amex: The basics

Business owners loyal to Delta have no shortage of cobranded cards to choose from, whether they're casual travelers or in the air every week.

The Delta SkyMiles Gold Business American Express Card is the starter product in the Delta business card lineup. This card is designed for those who want to earn Delta SkyMiles and enjoy a few Delta-specific perks but might not travel with the airline enough to justify a more premium card.

This card has a $0 introductory annual fee for the first year, then a $150 annual fee thereafter (see rates and fees).

To increase applicants' chances of approval, we recommend having a good to excellent credit score before applying.

Delta Gold Business Amex pros and cons

Delta SkyMiles Gold Business Amex benefits

While the Delta SkyMiles Gold Business card doesn't have the same premium perks as its more expensive Delta business card counterparts, it comes with several benefits when flying on Delta.

Delta travel perks

• Free checked bags: You and up to eight companions on the same reservation get your first checked bag free on flights worldwide — cardholders also get their second checked bag free on U.S. domestic flights — when flying on Delta-marketed and -operated flights. That can add up quickly if you travel regularly.
• Inflight discount: Receive a 20% statement credit on inflight purchases, including prepurchased meals, food and beverages, when paying with your card.
• Priority boarding: Receive Zone 5 boarding on Delta flights for you and up to eight companions on the same reservation.
• TakeOff 15: Enjoy 15% off award redemptions for Delta flights, known as TakeOff 15 (not applicable to partner-operated flights or to taxes and fees).

Statement credits

• $200 Delta flight credit: Receive a $200 Delta flight credit after you spend $10,000 on purchases in a calendar year.
• $120 annual ride-hailing credit: Receive up to a $120 statement credit (up to $10 each month) for eligible U.S. ride-hailing purchases starting after your first card renewal. Enrollment is required.
• $150 Delta Stays credit: Receive up to a $150 annual statement credit per calendar year on eligible prepaid bookings with Delta Stays, Delta's hotel portal.

Travel and purchase protections

• Baggage insurance plan*
• Car rental loss and damage insurance (note that this is secondary coverage and doesn't include liability)**
• Extended warranty*
• Purchase protection*

Beyond its travel protections, the card also charges no foreign transaction fees (see rates and fees), making it a logical choice for business owners who frequently travel abroad.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.

**Eligibility and Benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc.

Related: How to maximize the statement credits on the Delta Amex cards

How to earn and use your rewards

When you understand how you can earn and redeem your miles from the Delta SkyMiles Gold Business, you can maximize the card's overall value.

Earning miles

• 2 miles per dollar spent on eligible purchases made directly with Delta
• 2 miles per dollar spent on U.S. shipping and advertising in select media (up to $50,000 spent per category each calendar year, then 1 mile per dollar thereafter)
• 2 miles per dollar spent on dining at restaurants worldwide, plus takeout and delivery in the U.S.
• 1 mile per dollar spent on all other eligible purchases

These aren't show-stopping earning rates, but it is nice to see some nontravel bonus categories thrown in to help business owners earn miles on more than just Delta purchases.

That said, we generally recommend putting non-Delta purchases on another card that earns transferable rewards.

Related: How to earn Delta SkyMiles, from using credit cards to online shopping

Redeeming miles

Award flights on Delta or its SkyTeam alliance partners are your best redemption options. Delta's dynamic award pricing often makes it hard to maximize SkyMiles, but you can still find value with the program if you can put in the time to do your own searches and be flexible when it comes time to redeem your miles.

Delta frequently runs flash sales and other promotions that create excellent redemption opportunities for both domestic and international itineraries.

You can also use your SkyMiles for seat upgrades. Just know that since Delta doesn't have award charts, you won't know how many miles those premium seats will cost until you're ready to book.

SkyMiles upgrades are also valid on certain flights operated by Aeromexico, Air France, KLM and Virgin Atlantic when using Mileage Upgrade Awards once your flight is booked. These four airlines are close partners with Delta.

You can redeem your SkyMiles for gift cards, magazines, unique SkyMiles Experiences and online shopping, among other options, as well, though those options almost always yield less-than-optimal returns.

I recently used SkyMiles to book a domestic trip and was able to take advantage of the card's TakeOff 15 benefit. A 15% discount might not sound like much at first, but when you're booking award flights for a family, those savings can add up quickly.

Related: How to redeem your Delta SkyMiles for maximum value

Downsides to consider about the Delta SkyMiles Gold Business Amex

The Delta SkyMiles Gold Business covers the basics well, but it isn't the right fit for every business traveler.

For starters, you won't receive lounge access. If you regularly spend time in airports and need a quieter place to work or relax before your flight, you'll want to look at a more premium Delta card that offers Delta Sky Club access.

You'll also miss out on some of the perks offered by the Delta SkyMiles® Platinum Business American Express Card and the Delta SkyMiles® Reserve Business American Express Card, including companion certificates and additional opportunities to earn Medallion Qualification Dollars toward elite status.

The Delta SkyMiles Gold Business' earning rates outside of Delta purchases are also fairly average. If your goal is maximizing rewards on everyday business spending, you're probably better off with a card that earns transferable points or miles rather than SkyMiles.

Delta SkyMiles Gold Business vs. Delta SkyMiles Platinum Business

If you find yourself flying Delta more often, you may eventually outgrow the Delta SkyMiles Gold Business card and want to step up to the Delta SkyMiles Platinum Business card.

It carries a higher annual fee but offers valuable benefits, including an annual companion certificate and opportunities to earn MQDs toward Delta elite status.

Related: How I leveraged my Amex Business Platinum benefits for Delta Medallion status

Is the Delta SkyMiles Gold Business Amex worth it?

For the Delta SkyMiles Gold Business Amex to be worth its annual fee, you'll want to take advantage of perks like free checked bags, priority boarding and the card's statement credits. Even if you only fly Delta a few times each year, that may not be difficult to do.

The value proposition gets even stronger if you can take advantage of benefits like the annual up to $150 Delta Stays statement credit, the up to $120 in annual ride-hailing statement credits (for select U.S. providers; enrollment required) and the $200 Delta flight credit after you meet the annual spending requirement.

When to apply for the Delta SkyMiles Gold Business Amex

The Delta SkyMiles Gold Business Amex offers new cardmembers the chance to earn 90,000 bonus miles after spending $6,000 on purchases in the first six months of card membership. This offer ends July 15.

This offer is worth $1,080 based on TPG's July 2026 valuations. It's also tied for one of the highest welcome offers we've seen on this card, making now an excellent time to apply.

American Express limits who can apply for the card, and you're generally ineligible for the welcome offer if you've previously held this card because of the issuer's once-per-lifetime restriction. American Express may also look at other factors when determining welcome offer eligibility, but it will inform you whether you're able to receive a card's welcome offer before performing a hard pull on your credit score.

Other cards to consider if you don't want the Delta SkyMiles Gold Business Amex

While the Delta SkyMiles Gold Business Amex comes with a solid portfolio of perks for its annual fee, you may want a card that offers more rewards flexibility or additional Delta-specific benefits.

• If you want flexible rewards: The American Express® Business Gold Card earns American Express Membership Rewards points that can be transferred to Delta SkyMiles and other loyalty programs. While it doesn't have perks specific to Delta, it earns 4 points per dollar spent on your two highest business spending categories each billing cycle (on the first $150,000 in combined purchases in a calendar year, then 1 point per dollar). To learn more, read our full review of the Amex Business Gold Card.
• If you fly Delta regularly: The Delta SkyMiles Platinum Business American Express Card offers additional Delta perks like an annual companion certificate and a faster path to elite status that could be a better fit for regular Delta travelers. To learn more, read our full review of the Delta Platinum Business Amex.
• If you want Sky Club access: The Delta SkyMiles Reserve Business American Express Card gives you lounge access (limited to 15 visits annually unless you meet specific spending requirements) and comes with a higher annual fee of $650 (see rates and fees). To learn more, read our full review of the Delta Reserve Business Amex.

For additional options, check out our full lists of the best business credit cards and the best American Express cards.

Bottom line

You'll want to consider the Delta SkyMiles Gold Business Amex if your business needs a credit card with basic Delta perks like a free first checked bag on flights worldwide, a free second checked bag on U.S. domestic flights and priority boarding to help make travel easier, and you don't want to spend a ton on annual fees.

However, if you want benefits like airport lounge access, companion certificates and additional opportunities to earn Delta elite status, you may be better served by one of Delta's higher-tier business cards.

Apply here: Delta SkyMiles Gold Business American Express Card

For rates and fees of the Delta Gold Business Amex, click here.
For rates and fees of the Delta Reserve Business Amex, click here.

Luxury safari fans have a new reason to visit Kenya.

The JW Marriott Mount Kenya Rhino Reserve Safari Camp has officially opened inside Kenya's 45,000-acre Solio Game Reserve, a private conservancy known for its rhino conservation efforts. The property was one of TPG's most anticipated hotel openings of 2026 and is now welcoming its first guests of the summer.

The all-inclusive luxury safari camp features 19 tented suites, access to the reserve's wildlife experiences and a wellness-focused approach inspired by the surrounding landscape. Unlike many safari camps, it can also be booked with Marriott Bonvoy points.

Inside the JW Marriott Mount Kenya Rhino Reserve Safari Camp

Located between Mount Kenya and the Aberdare Mountain Range, the camp's tented suites are designed to blur the line between indoors and outdoors, with private decks, plunge pools and views of the surrounding savannah, mountains or nearby watering holes.

Each suite features an indoor soaking tub and outdoor living space designed to immerse guests in the landscape. The property's accommodations include a two-bedroom suite, offering a larger option for families or groups traveling together.

The camp sits within Solio Game Reserve, home to one of Africa's largest populations of black and white rhinos, along with lions, leopards, zebras and more than 300 recorded bird species. Guests can explore the conservancy through guided day and night game drives, walking safaris, cycling excursions and birding experiences.

Visitors can also tour the Solio Rhino Orphanage to learn more about the reserve's conservation efforts, including the rehabilitation and protection of orphaned rhinos.

Back at camp, guests will find a Spa by JW, an outdoor pool and fitness center, plus several dining experiences ranging from the signature Mavuno restaurant to bush breakfasts and dinners beneath the stars.

How to book

The JW Marriott Mount Kenya Rhino Reserve Safari Camp is now open.

Cash rates start at $1,499 per person, per night on an all-inclusive basis, including accommodations, meals and beverages (excluding select premium wines and spirits), twice-daily shared game drives, guided walking and cycling safaris, airport transfers from Nanyuki Airstrip and more.

The camp began accepting reservations earlier this year, and Marriott Bonvoy members can also redeem points for award stays. Right now, the lowest award bookings start at 212,000 Marriott Bonvoy points per night.

The property is located near Nanyuki Airstrip, about a 30-minute flight from Wilson Airport or roughly a three-hour drive from Nairobi. Guests can also arrange private charter flights directly to Solio Ranch Airstrip.

Bottom line

JW Marriott's latest safari opening brings the brand's luxury hospitality and wellness focus to one of Kenya's most important rhino conservation areas. While the camp delivers the high-end touches travelers expect from a luxury safari — private plunge pools, guided wildlife experiences and destination dining — its location within Solio Game Reserve makes conservation a central part of the guest experience.

For Marriott Bonvoy members looking to use points for a safari stay, this new property adds another option in a region where luxury camps are often cash-only.

Related:

• Marriott's new rhino-focused luxury safari lodge is now taking reservations
• 30 best Marriott hotels in the world that you can book with points
• Why the Marriott Bonvoy Boundless is worth the annual fee

One of Miami Beach's best hotels, the W South Beach, has plans to close later this summer for a major renovation and reflag from Marriott to Hilton. But the hotel isn't just getting a fresh coat of paint and a new name; it's getting a whole new personality.

Hilton announced via a press release on July 7 that the resort will "undergo a meticulous renovation and repositioning" before a planned reopening as the Waldorf Astoria Miami Beach in the winter of 2027, marking the brand's debut in the market.

The hotel has operated as a W under Marriott since 2009, and underwent a major $30 million renovation as recently as 2020. The W brand is a modern lifestyle brand known for being bold, daring and colorful, while Hilton's Waldorf Astoria brand leans more toward sophisticated, timeless elegance.

Both are fitting aesthetics for a property on South Beach's famed Collins Avenue, but a makeover worthy of Hilton's flagship luxury brand will categorically change everything about the property.

The 348-room hotel will get a head-to-toe face-lift, including refreshed suites with ocean-view balconies, a new lobby and Peacock Alley, Waldorf's signature lounge and all-day dining concept, a new food and beverage program, a newly curated spa, updated pool amenities and renewed event spaces.

"Miami Beach is one of those rare destinations with a spirit the world immediately recognizes: dynamic, expressive, sunlit and full of life," Dino Michael, senior vice president and category head, Hilton Luxury Brands, said in the press release. "Waldorf Astoria Miami Beach will bring a new chapter of elegance, one that honors the destination's cultural energy, coastal beauty and iconic sense of style while creating an experience that feels timeless, deeply personal and entirely of its place."

The hotel did not announce official closing or reopening dates, but reservations are only available through July 17, 2026, so we expect the hotel to close for renovations around that time and reopen in early 2027. For those with future W South Beach reservations, we recommend reaching out to the property as soon as possible.

Stay tuned for more information as it is announced, including when reservations for the Waldorf Astoria Miami Beach become available.

Premium cards have evolved over the past several years to attract and retain customers.

Two top cards for premium travel and lifestyle benefits are the American Express Platinum Card® and The Business Platinum Card® from American Express.

While both cards provide extensive benefits that can elevate your travels, they also both charge $895 per year (see rates and fees for the Amex Platinum and rates and fees for the Amex Business Platinum).

Although both cards have some overlapping perks, share transfer partners and earn American Express Membership Rewards points, there are important differences to consider when deciding which one is right for you.

Let's compare the Amex Platinum and the Amex Business Platinum to see which is best for your wallet.

Amex Platinum vs. Amex Business Platinum comparison

Before we dive into more details, here's a comparison of the two cards' welcome offers, earning rates, major perks and available credits for cardmembers.

Amex Platinum vs. Amex Business Platinum welcome offer

Each card comes with a generous welcome offer, but the minimum spending requirement for earning the bonus is where they really differ.

Potential Amex Platinum Card members can find out their offer and see if they are eligible for as high as 175,000 bonus points after spending $12,000 on purchases in the first six months of card membership — an average of $2,000 per month. Welcome offers vary, and you may not be eligible for an offer.

However, prospective Business Platinum Card members can find out their offer and see if they are eligible for as high as 300,000 bonus points after spending $20,000 on purchases in the first three months of card membership. This requires spending an average of $6,667 per month to earn the bonus points. Welcome offers vary, and you may not be eligible for an offer.

Based on TPG's July 2026 valuations, Membership Rewards points are worth 2 cents each. That makes the Amex Platinum's welcome bonus worth up to $3,500. In contrast, the Amex Business Platinum's bonus is worth up to $6,000.

However, it's important to note that due to Amex's once-in-a-lifetime rule, you may not be eligible for a welcome offer with either card. If you have or have held one of these cards in the past, you may not be eligible to receive a welcome offer on it again.

Winner: Business Platinum. Its welcome offer is higher, albeit with a much higher minimum spending requirement.

Amex Platinum vs. Amex Business Platinum benefits

Both of these cards excel when it comes to travel and lifestyle perks.

Benefits offered to both cards

• Prepaid hotel booking credit: Up to $600 statement credit each calendar year (allocated up to $300 biannually) on prepaid bookings at American Express Fine Hotels + Resorts or The Hotel Collection properties made through American Express Travel (minimum two-night stay requirement for The Hotel Collection)
• Clear statement credit: Up to $209 statement credit for a Clear+ membership each calendar year for both cards (subject to auto-renewal)
• Airline fee statement credit: Up to $200 statement credit for airline fees per calendar year, which covers baggage fees as well as other incidental charges with your preferred airline
• Global Entry/TSA PreCheck statement credit: $120 application fee credit for Global Entry or up to $85 application fee credit for TSA PreCheck every four years
• Hotel elite status: Complimentary Gold status with Hilton Honors, Gold Elite status with Marriott Bonvoy and Sterling status with Leaders Club from The Leading Hotels of the World
• Rental car elite status: Complimentary Hertz Gold+ Rewards President's Circle status, Avis Preferred Plus status and National Emerald Club Executive status
• Luxury hotel programs: Access to the Amex Fine Hotels + Resorts program and the American Express Hotel Collection (minimum two-night stay requirement for The Hotel Collection)
• Unrivaled lounge access: Access to the American Express Global Lounge Collection, including Centurion Lounges, Delta Sky Clubs when flying same-day Delta flights**, Aspire, Escape, Plaza Premium, Priority Pass and select Lufthansa lounges (Lufthansa lounge access ends Oct. 1), for eligible cardmembers
• Shopping and travel protections: Various travel and shopping protections, like trip delay coverage* and cellphone protection*
• Access to Platinum nights by Resy in Los Angeles, Miami and New York

Enrollment is required for select benefits.

*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

**Eligible Platinum Card members will receive 10 visits per eligible Platinum Card per year to the Delta Sky Club or to Grab and Go when traveling on a same-day Delta-operated flight. Unlimited access is unlocked after spending $75,000 in a calendar year.

Consumer Amex Platinum benefits

The consumer Amex Platinum offers these exclusive perks (enrollment is required for select benefits):

• Uber credit: Up to $200 in Uber Cash each calendar year for Uber rides or Uber Eats orders in the U.S. (up to $15 in Uber Cash each month, with an additional up to $20 for December; must add your card as a payment method in your Uber account and redeem with any Amex card)
• Uber One statement credit: Up to a $120 statement credit that fully covers an auto-renewing $96 annual or $9.99 monthly membership
• Oura statement credit: Up to $200 per calendar year Oura statement credit (can only be used on hardware purchases)
• Lululemon statement credit: Up to $300 per calendar year Lululemon statement credit (up to $75 per quarter) for U.S. store purchases (excluding outlets) and online
• Resy: Up to $400 in Resy statement credits each calendar year (distributed as up to $100 in statement credits per quarter) when paying with your Amex Platinum at an eligible U.S. Resy restaurant (no reservation is required)
• Digital entertainment statement credit: Up to $300 each calendar year for subscriptions to eligible subscription services (up to $25 in monthly statement credits)
• Equinox statement credit: Up to $300 annual statement credit for select Equinox memberships or a digital subscription to Equinox+ fitness app (subject to auto-renewal)
• SoulCycle: Up to $300 in statement credits per calendar year toward the purchase of a SoulCycle bike (up to 15 bikes per calendar year); must be enrolled in an Equinox+ membership to be eligible for this benefit
• Walmart+ membership statement credit: Up to $155 each calendar year for one Walmart+ membership (up to $12.95 plus taxes in monthly statement credits; subject to auto-renewal); Plus Up Benefits not eligible

As you can see, this can deliver a ton of value, especially if you already use some of the eligible services.

Related: 10 things to do when you get the Amex Platinum

Business Platinum benefits

Meanwhile, the Business Platinum Card has the following exclusive perks (enrollment is required for select benefits):

• 35% airline points bonus: Receive 35% of your points back (up to 1 million points per calendar year) when paying with points for flights booked with Amex Travel on your designated airline (selected airline must be the same as your airline fee statement credit)
• Dell statement credit: Up to $150 in statement credits on U.S. purchases made directly at Dell and an additional $1,000 statement credit after spending $5,000 or more at Dell each calendar year
• Adobe statement credit: $250 in statement credits after spending $600 or more on U.S. purchases made directly at Adobe each calendar year (subject to auto-renewal)
• ChatGPT Business statement credit: Up to $300 in statement credits for U.S. purchases of ChatGPT Business subscriptions each calendar year (subject to auto-renewal)
• Indeed statement credits: Up to $360 each calendar year in statement credits for U.S. Indeed purchases (up to $90 per quarter)
• Monthly wireless statement credits: Up to $120 each calendar year (up to $10 monthly) in statement credits for spending on wireless plans with U.S. providers
• Hilton statement credit: Up to $200 per calendar year in statement credits for eligible Hilton purchases, given as up to $50 per quarter (separate enrollment in Hilton for Business required)

Winner: Tie. Each card offers statement credits that can provide value based on the services an individual or business may use.

Related: Have an Amex Business Platinum Card? Don't forget to register for these perks

Earning points with the Amex Platinum vs. Amex Business Platinum

The Amex Platinum earns:

• 5 points per dollar spent on flights booked directly with airlines or via American Express Travel (on up to $500,000 of these purchases per calendar year, then 1 point per dollar spent)
• 5 points per dollar spent on prepaid hotels booked with Amex Travel
• 1 point per dollar spent on other purchases

On the other hand, the Amex Business Platinum earns:

• 5 points per dollar spent on flights and prepaid hotels booked on amextravel.com
• 2 points per dollar spent on purchases of $5,000 or more and in select business categories in the U.S. (construction material and hardware suppliers, electronics goods retailers, software and cloud system providers and shipping providers) on up to $2 million of combined purchases in a calendar year, then 1 point per dollar spent
• 1 point per dollar spent on other purchases

Both cards earn 5 points per dollar spent when you purchase airfare and prepaid hotel rooms from Amex Travel. However, the personal Amex Platinum also earns 5 points per dollar spent on airfare purchased directly with airlines.

One downside is that the Amex Platinum's elevated earning rate on airfare is limited to the first $500,000 spent each calendar year (then 1 point per dollar spent), but it's unlikely that most cardmembers will spend this much in a year.

The Business Platinum Card is great for business owners who regularly make large purchases with the card, since purchases of at least $5,000 and in select business categories earn 2 points per dollar spent (on up to $2 million of these purchases per year, then 1 point per dollar spent).

Winner: Tie. Which card's earning categories are better depends on your spending habits and whether you're regularly spending $5,000 or more on purchases.

Related: Who should (and shouldn't) get the American Express Platinum?

Redeeming points on the Amex Platinum vs. Amex Business Platinum

Membership Rewards is one of the most valuable loyalty currencies out there. According to TPG's valuations, Amex points are worth 2 cents apiece.

With 19 transfer partners, Membership Rewards points from these cards can help you travel to just about anywhere in the world.

One benefit that's exclusive to the Business Platinum Card is that when you book a qualifying flight directly with points through Amex Travel on your preselected airline, you'll receive 35% of the points you used back (up to 1 million points back each year).

Aside from travel, Membership Rewards points can be redeemed for gift cards, to pay for purchases at amazon.com and for statement credits. We always recommend redeeming your points for travel to get the most value out of them.

Winner: Amex Business Platinum. While both cards have identical redemption options, the Amex Business Platinum offers 35% of your points back on eligible flights (up to 1 million points back per calendar year).

Related: 7 reasons you might want the Amex Business Platinum instead of the Amex Platinum

Transferring points with the Amex Platinum vs. Amex Business Platinum

Both the Amex Platinum and the Amex Business Platinum share access to the same 19 hotel and airline partners.

Some lucrative transfer partners that offer great redemption options include Air Canada Aeroplan, Air France-KLM Flying Blue and Singapore KrisFlyer.

Winner: Tie. Both cards share the same transfer partners.

Related: The power of the Amex Trifecta: Platinum, Gold and Blue Business Plus

Should I get the Amex Platinum or Amex Business Platinum?

If you're looking for a premium card loaded with travel perks and don't have a business or the substantial expenses that come with one, the personal Amex Platinum should suffice.

However, if you spend a lot on business expenses and can take advantage of its business-related statement credits, the Amex Business Platinum is the way to go.

Bottom line

Those looking for premium perks are often drawn to the American Express Platinum cards — whether personal or business — since they offer numerous benefits at home and on the road.

Features like lounge access, travel protections and extremely valuable points are just a few of the attractions. It may make sense to have both in your wallet, but ensure your professional and personal spending habits make both annual fees worth it.

To learn more, read our full reviews of the Amex Platinum and the Amex Business Platinum.

Apply here: American Express Platinum Card
Apply here: The Business Platinum Card from American Express

For rates and fees of the Amex Platinum, click here.
For rates and fees of the Amex Business Platinum, click here.

Hilton is launching its 27th brand, Select by Hilton, anchored by a franchise agreement with affordable city chain Yotel, and the partnership is about to go live on July 15.

What is Select by Hilton?

Hilton first shared news of the new Select brand back in March. Select by Hilton is more of a collection rather than a brand unto itself, which aims to integrate existing hotels and chains into the Hilton ecosystem, sort of like Marriott's Tribute Portfolio.

As Hilton described the new Select brand in a release, it will comprise "high-quality, established hotel brands [that] will retain their own identity and brand management while they connect to the award-winning Hilton Honors loyalty program and enjoy the benefits of Hilton's superior distribution and technology platforms."

What is Yotel?

Yotel is known for affordable accommodations, engaging design and up-to-the-minute tech. Basically, it's a brand for young, fast-moving travelers visiting major cities.

The London-based company opened its first hotel at London Gatwick Airport (LGW) in 2007. Its first non-airport hotel opened in New York City in 2011 with an attention-grabbing robotic luggage porter.

The company currently counts 23 hotels in 10 countries, including locations in Amsterdam, Boston, Edinburgh, London, Miami, New York, San Francisco, Singapore, Tokyo and Washington, D.C., among others.

Among the three brands Yotel comprises, Yotel locations are in city centers, Yotelair outposts are — as you might guess, located near airports — and Yotelpads are extended-stay locations.

The chain has plans to open new hotels in Kuala Lumpur later this year, Athens in 2027, and Belfast and Lisbon in 2028.

How will Yotel be integrated into Hilton Honors?

Starting July 15, the first Yotel hotels will begin integration into Hilton Honors with travelers able to book them directly through Hilton, while earning and redeeming Hilton Honors points for stays. To do so, though, you should book directly through Hilton. That said, existing bookings at Yotels that have joined Hilton that were made directly directly through Yotel will be eligible for Hilton Honors Points and benefits if the traveler's booking details match their Hilton Honors account.

Hilton expects most of Yotel's properties to be fully integrated into Hilton by early September. At the same time, the chain's Yotel Club program will wind down. Existing Yotel Club members will receive invitations to join Hilton Honors and are expected to receive tailored offers, promotions, recognition benefits and possibly fast-track paths to Hilton Honors status based on their previous stay history.

Unlike at full-service hotels in the Hilton Honors program, like Conrad, Waldorf Astoria, Hilton, Embassy Suites and others, Hilton Honors members will only earn 5 points per dollar on Yotel stays — the same rate they earn at limited-service brands like Home2 Suites, Homewood Suites, Spark, Tru and Apartment Collection. Hilton Honors elites will earn their tier bonuses as they do on other stays and award stays will be eligible for Hilton's fifth-night-free benefit and free night awards offered by certain Hilton cobranded cards (though given Yotel's low price points, you're better off saving those for a higher-value redemption).

Bottom line

Yotel is joining Hilton as part of the new Select by Hilton brand. Guests should be able to start booking select Yotel properties directly through Hilton beginning July 15, with most Yotel locations integrated into Hilton Honors by early September. Once this integration is underway, travelers should be able to earn and redeem Hilton points as well as enjoy elite benefits on Yotel stays, opening up some interesting budget-friendly options for Hilton members in major cities and airports around the world.

Related reading:

• Best Hilton credit cards
• Hilton Honors elite status: What it is and how to earn it
• The best credit cards to reach elite status
• Best hotel rewards programs in the world: Which one is right for you?
• Best hotel credit cards

Atmos Rewards and its premium credit card, the Atmos™ Rewards Summit Visa Infinite® credit card, are two of my favorite things to come out of the points and miles world in recent years.

Atmos Rewards came about after Alaska Airlines merged with Hawaiian Airlines. It largely kept everything I liked about the former Mileage Plan program, while adding some great features, like the ability to earn status points on award flights. Meanwhile, the Atmos Summit card brought a fresh take on the premium credit card.

One of the most interesting things about the card is its included Global Companion Award, which provides a discount on a companion's award ticket. It includes an award worth 25,000 points out of the box, and you can earn a second worth 100,000 points after spending $60,000 on the card in a given cardmember year.

I just finished spending toward the 100K-point award and redeemed it almost immediately. Here's why I spent so much on my Atmos Summit card this year, and why I'll probably do it again next year.

The 100K Global Companion Award is massively valuable

As mentioned, the Global Companion Award takes a set number of points off the cost of your companion's award ticket. For couples or anyone traveling with a partner, that's effectively a points bonus, as you don't have to pay for their ticket.

TPG's July 2026 valuations put Atmos Rewards points at 1.55 cents each, meaning this award is worth $1,550 if you maximize it. In practice, however, it can be worth much more than that if you use it to cover expensive business-class tickets.

I redeemed my 100K-point Global Companion Award shortly after it posted to my account. My wife and I are going to Asia in January, and we're flying Alaska Airlines' new route from Seoul's Incheon International Airport (ICN) to Seattle-Tacoma International Airport (SEA) on the way home.

A one-way business-class ticket on this route costs 95,000 points plus $33.93 taxes and fees per person on the date we booked. I paid for my ticket with my points, and only paid minimal taxes and fees for her ticket when I applied the award.

This ticket would have otherwise cost roughly $2,500 per person, so I saved a substantial amount of money by using the award. It also made this booking possible, since I didn't have enough points in my Atmos Rewards account to book both of us.

You're not limited to Alaska Airlines flights, either — the award works across Atmos Rewards' partner airlines, too. Earlier this year, for example, I used my 25,000-point Global Companion Award to knock 25,000 points off my friend's American Airlines business class flight to Mexico City when we traveled together.

Spending on the card means I'm earning valuable points and elite status

The Atmos Summit card is one of the two cards I'm using regularly these days, usually when I'm traveling abroad. This is because the card earns 3 points per dollar spent on all purchases abroad, which is equivalent to a 4.7% return on my spending.

Even better, the card also earns 1 status point per $2 spent. Spending $60,000 on the card this year helped me earn Atmos Gold elite status, and I should reach Platinum before the year is over.

Atmos Rewards elite status includes valuable perks like Oneworld lounge access on international flights, plus upgrades and Main Cabin Extra seat selection on American Airlines flights, both of which I've already used since earning Gold status a couple of months ago.

The fact that I'm earning Atmos Rewards points and making progress towards elite status made it much easier for me to justify putting $60,000 in spending on the Atmos Summit card instead of a transferable-points card. It's now the only card I reach for when I'm traveling abroad.

Related: Why the Atmos Rewards Summit was our favorite new credit card

Important things to know about the Global Companion Award

Before you start chasing the 100K-point Global Companion Award, it's worth understanding exactly what it does — and what it doesn't.

This award is a points discount, not a free ticket for your companion. You're still responsible for the taxes and fees when you redeem it, which can be high on British Airways flights from the U.S. to Europe. Further, you need to find two award seats that cost the same amount of points and book them on the same itinerary.

However, you don't have to be the one flying to use it. Instead, you can use the award to book tickets for two of your friends.

Here are a few things to keep in mind when redeeming it:

• Use it on expensive tickets: Try to save your Global Companion Award for tickets that are as close as possible to the award's value to ensure you're not leaving anything on the table. These awards can be used for round-trip or one-way tickets, so you have flexibility in how you reach that number.
• You can't stack the two awards: The 25K-point and 100K-point awards can't be combined on a single booking.
• Don't let it expire: Each Global Companion Award is valid for 12 months. You don't have to fly within this period, just book a ticket.

Whether spending $60,000 on the Atmos Summit is right for you depends on how much you personally value Atmos Rewards points and whether you can redeem the award. Solo travelers probably won't find it worthwhile, but couples who travel together and enjoy premium cabins will likely find it worth the effort.

Related: Is the Atmos Rewards Summit worth the annual fee?

How to redeem the Global Companion Award

You can redeem the Global Companion Award online. First head to Alaska Airlines' website, log in to your account and click on your profile icon at the upper right corner of the screen. Click on the "Discount/companion code" option.

You'll see your Global Companion Award there, and can start the booking process by following the on-screen prompts. The Global Companion Award will be applied as a discount to your total fare for two passengers.

Related: How to earn Alaska Airlines Atmos Rewards points

Bottom line

The 100K-point Global Companion Award isn't free — you're committing $60,000 in spending and giving up some flexibility along the way.

But for a couple that travels in premium cabins, the combination of an award that can wipe out a $2,500 business-class ticket, a head start on Atmos elite status and a pile of Atmos Rewards points makes that spending easy to justify. But as always, do the math and see if earning it makes sense for you.

To learn more, check out our full review of the Atmos Summit card.

Apply here: Atmos Rewards Summit credit card

When the Chase Sapphire Preferred® Card (see rates and fees) rolled out its most recent update, I was elated by one of the new bonus categories: Vacation homes at select brands* booked directly.

I love traveling with family and friends, and many trips are best enjoyed in a vacation home. The Sapphire Preferred now earns 3 Chase Ultimate Rewards points per dollar spent on bookings I make with popular brands such as Airbnb and Vrbo — a fantastic addition to one of TPG's favorite travel cards.

Here's everything you need to know about the Sapphire Preferred's earning rate on vacation homes, how it compares to earning on hotel stays and where it stacks up to competing cards.

*Select brands are: Airbnb, Vrbo, Plum Guide, HomeAway, Homestay.com and Vacasa.

What is the Chase Sapphire Preferred's vacation homes bonus category?

The Sapphire Preferred earns 3 points per dollar spent on vacation homes booked directly with six brands.

This earning rate is only for vacation homes booked directly. If you book a vacation home through the Chase Travel℠ portal, you'll earn 5 points per dollar spent. In my experience, however, I've found much wider availability outside of Chase Travel.

Related: My biggest assumption about the Chase Sapphire Preferred was wrong

Which vacation home sites earn 3 points per dollar on the Sapphire Preferred?

As mentioned above, there are six platforms eligible to earn 3 points per dollar spent on vacation homes with the Sapphire Preferred.

Here's a look at each platform and where stacking opportunities exist.

Airbnb

Airbnb is one of the most popular vacation home platforms both in the U.S. and abroad. TPG credit cards writer Stephanie Stephens has stayed in over 60 Airbnbs, and the new earning rate on Airbnb purchases was big news for her.

"With its new earning rate of 3 points per dollar spent on vacation home rentals, including Airbnb, the Chase Sapphire Preferred has become my go-to travel card," Stephanie said. "I book several Airbnb stays throughout the year, so earning elevated rewards on those purchases means I can rack up more points on trips I was already planning to take and redeem them toward future travel."

In addition to the Ultimate Rewards points you'll earn by booking with the Sapphire Preferred, you can stack bonus points or miles across multiple airline programs by linking your accounts. Options include ANA Mileage Club, British Airways Club, Delta SkyMiles and Qantas Frequent Flyer.

Some stays may not be eligible for stacking.

Vrbo

Vrbo is a direct competitor to Airbnb. It's part of the Expedia network and the OneKey rewards program, so you'll earn OneKeyCash on bookings made directly on the platform.

Along with the Ultimate Rewards points you'll earn with the Sapphire Preferred, you can also earn rewards with some airline programs, including Delta SkyMiles, JetBlue TrueBlue and United MileagePlus.

You could also stack your earnings with other award currencies by booking through online shopping portals, such as the American AAdvantage eShopping portal and the Delta SkyMiles Shopping portal.

Like with Airbnb, some stays may not be eligible for stacking.

Plum Guide

This is a curated vacation home platform with handpicked properties across the globe.

Plum Guide listings were added to Chase Travel in April 2026. Now, you can earn bonus points on direct bookings with the Sapphire Preferred.

HomeAway

HomeAway exists under the Vrbo umbrella. Stays booked through this platform are eligible for the same perks as Vrbo.

Homestay.com

Homestay.com is a booking platform with options worldwide. It's based in Dublin, Ireland, and provides bookings for vacation homes and hosted rooms.

Vacasa

Vacasa is a vacation home platform based in North America. It features more than 38,000 homes across 41 U.S. states, Canada, Mexico, Belize and Costa Rica.

What vacation home charges will not qualify for 3 points per dollar spent on the Sapphire Preferred?

There are certain charges that aren't eligible for 3 points per dollar spent on the Sapphire Preferred. These include secondary cleaning fees and purchases made with merchants outside of the six eligible booking platforms, even if those merchants include vacation homes.

Your best bet is to make your reservations directly with one of the six brands listed above and earn points on all other charges covered in your booking.

Related: Renting an Airbnb? Here are the best credit cards to use

How does the Sapphire Preferred's bonus category compare to competing cards?

Here's how the Sapphire Preferred compares to cards with similar earning rates on vacation homes booked directly.

*Select brands are: Airbnb, Vrbo, Plum Guide, HomeAway, Homestay.com, and Vacasa.
**Based on TPG's July 2026 valuations.

The information for the American Express Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Capital One miles vs. Chase Ultimate Rewards points: Which currency is better for your travels?

Vacation homes vs. hotels: Which earns more on the Sapphire Preferred?

If you're a Sapphire Preferred cardholder weighing between a vacation home and a hotel, there are a few points to consider:

• Hotels and vacation homes booked through Chase Travel earn 5 points per dollar spent. This is the highest earning rate you'll get on the card, but Chase Travel may have fewer vacation home options, or you may not be eligible for elite status perks and loyalty program perks from the brand you're staying with if you go this route.
• Vacation homes booked directly with select brands* earn 3 points per dollar spent on the Sapphire Preferred.
• Hotels booked directly earn 2 points per dollar spent on the Sapphire Preferred, since they're covered under the card's bonus category for all other travel.

If you're going through Chase Travel, you'll get the same earning rate for a hotel or a vacation home (5 points per dollar spent).

If you're booking directly with the merchant, you'll actually earn more points for a vacation home booked through one of the brands covered by the category* (3 points per dollar spent) than for a hotel booked directly (2 points per dollar spent).

*Select brands are: Airbnb, Vrbo, Plum Guide, HomeAway, Homestay.com, and Vacasa.

Related: Chase Sapphire Preferred statement credits: What they are and how to use them

Bottom line

In my view, the Sapphire Preferred's bonus category for select vacation homes is a top benefit. Thanks to the high value of Ultimate Rewards points, you can get about 6.2% back on your spending — a solid deal for a category not often found on many competing cards.

Whether you're an Airbnb enthusiast or you're looking for more options to earn outside of traditional hotel stays, this is a category worth noting.

To learn more, read our full review of the Sapphire Preferred.

Apply here: Chase Sapphire Preferred