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“Reader Questions” are answered three days a week — Mondays, Wednesdays and Fridays — by TPG Senior Writer Julian Mark Kheel.

There are a plethora of ways to book a hotel room — online travel agencies, bank travel portals or even with the hotel itself. So TPG reader Nick sent us a Facebook message to ask about the value of one specific option over another…

Should I use my Chase Sapphire Reserve through the Chase portal to book hotel rooms or use the hotels.com website? Is it more valuable to get the free night after 10 bookings at hotels.com or extra points through the portal?

TPG Reader Nick

With all the booking options out there, things can definitely get a bit confusing when you’re trying to determine how to maximize your return on a hotel reservation. The good news is that since the Chase Sapphire Reserve card earns 3 points per dollar on all travel expenses — and that travel category is broadly defined — you should be able to earn credit card points no matter how you book.

But when it comes to earning extra rewards for booking a certain way, assuming the price of the room is the same both ways, which of Nick’s two options is best? By booking through the Chase travel portal, you can earn 1 extra Ultimate Rewards point per dollar you spend on a hotel reservation. That means on a $100 hotel room, you’ll earn an extra 100 points. Based on TPG’s most recent valuations, those 100 Ultimate Rewards points are worth $2.20 in future redemptions.

IMG-hotels-com-rewards
Hotels.com offers one free night for every 10 paid nights.

Now let’s take a look at Hotels.com, which is an online travel agency that offers its own rewards program. After booking 10 nights via its website or phone agents, you earn one free night (except for taxes and fees). The value of the free night is based on the average of the 10 paid nights, so it’s easy to think of it as a 10% return on your bookings. So for a $100 hotel room, you’d be earning $10 in rewards toward a future free night.

Clearly, from a pure dollar standpoint, the return from Hotels.com is significantly better than the return for booking at the Chase travel portal. But there’s one other consideration here: In order to actually get your Hotels.com Rewards, you’ll have to book 10 paid nights over time. There’s no deadline to do so, but you have to earn at least one night every 12 months or your existing night credits will expire.

On the other hand, getting the extra points from booking at the Chase travel portal doesn’t require making any additional purchases. So even though you’ll get less in rewards, you’ll be able to redeem them much more quickly. And depending on your needs, that might be a fair trade off.

So, Nick, if you’re committed to booking reservations at Hotels.com for a while before you see your free night, it’s the better value in the long run. But if you’re more interested in getting your rewards immediately, go for the Chase portal. Thanks for the question, and if you’re a TPG reader who’d like us to answer a question of your own, tweet us at @thepointsguy, message us on Facebook or email us at info@thepointsguy.com.

Featured image of the Best Western Paris CDG Airport Hotel.

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The American Express Platinum card has some of the best perks out there: cardholders enjoy the best domestic lounge access (Delta SkyClubs, Centurion Lounges, and Priority Pass), a $200 annual airline fee credit as well as up to $200 in Uber credits, and mid-tier elite status at SPG, Marriott, and Hilton. Combined with the 60,000 point welcome offer -- worth $1,140 based on TPG's valuations -- this card is a no-brainer for frequent travelers. Here are 5 reasons you should consider this card, as well as how you can figure out if the $550 annual fee makes sense for you.

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More Things to Know
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
N/A
Regular APR
N/A
Annual Fee
$550
Balance Transfer Fee
See Terms
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.