Can I Mix Hotel Points and Free Night Certificates for a 5th Night Free?
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.
TPG reader Kevin sent me a message on Facebook to ask about booking hotel awards:
“I have three free night certificates from the Ritz-Carlton card, and enough points to book a fourth night. Can I book those four nights and then get the fifth night free?”
Fifth night free benefits are a great way to maximize your hotel points during longer stays. Starwood Preferred Guest, Hilton HHonors and Marriott Rewards (which includes Ritz-Carlton) all offer a fifth night free, allowing you to score up to a 20% discount on awards. However, there are some limitations that make it difficult to stack these benefits with other promotions, such as free night certificates.
Chase recently overhauled the Ritz-Carlton Rewards Credit Card by adding new perks (like Priority Pass Select lounge access and a statement credit for Global Entry) and an improved sign-up bonus. You can now earn three complimentary nights at any participating Tier 1-4 Ritz-Carlton hotel after spending $5,000 on purchases in the first three months from account opening — the previous bonus offered just two nights. During peak periods Tier 4 properties can easily cost more than $1,000 per night, so those free nights offer immense value. However, they don’t count toward getting a fifth night free.
Both Marriott and Ritz-Carlton reserve the fifth night free benefit for stays that involve at least four nights booked entirely with points. That means any nights booked with a certificate won’t count toward the total, and neither will nights booked at the Cash + Points rate. With only enough points for one night, Kevin won’t be able to get his fifth night free. More generally, however, you can use certificates in conjunction with a stay that involves a fifth night free.
For example, you could redeem two certificates alongside four award nights to book seven nights total, three of which would be free. Best of all, the award nights don’t have to be consecutive; you’ll get a fifth night free so long as your reservation includes four nights booked with points. That means you can use certificates to cover the most expensive nights during your stay and use points to cover the rest.
In contrast, you can count Hilton free night certificates toward getting a fifth night free, though it’s not the best way to maximize them. Rather than give you one night free, Hilton provides a 20% discount for each award night in a five-night stay. For example, if a hotel normally costs 80,000 points per night, the rate will be reduced to 64,000 points. When you apply the free night certificate, it only covers the reduced rate and not the normal rate. That means you’d end up redeeming 256,000 points instead of 240,000 to cover the remaining nights, so you’d be better off tacking it on to one end of an award stay instead.
For more on Marriott, Ritz-Carlton and fifth night free awards, check out these posts:
- The Award Traveler’s Guide to Marriott Rewards
- Can I Get a Fifth Award Night Free When Staying at Multiple Hotels?
- Should I Join Marriott Rewards or Ritz-Carlton Rewards?
- Can I Stack Free Hotel Nights for a Larger Discount?
Featured image courtesy of the Ritz-Carlton Guangzhou.
This card from Bank of America gets really interesting if you have a BofA checking, savings or investment account. Depending on the value of your combined accounts you can potentially get as much as 3.5x points on travel/dining and 2.625x points on other purchases making it the richest consumer banking bonus out there.
- Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
- If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
- No limit to the points you can earn and your points don't expire
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
- Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
- No Foreign Transaction Fees
- Low $95 annual fee