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. For an explanation of our Advertising Policy, visit this page.

Update: Some offers mentioned below are no longer available – IHG Rewards Club Select Credit Card

Today, I want to share a story from TPG reader Nick, who wasn’t able to use a credit card benefit as he planned. Here’s what he had to say:

My wife and I met and had our first date in Manhattan. It was an awesome date with lots of wonderful memories, so we decided we’d try to spend the anniversary in Manhattan every year. We had been doing day trips from New Jersey since hotels were too expensive, but then I thought of getting a co-branded hotel credit card for each of us so we could spend a night or weekend in the city using the annual complimentary night certificates. She got The Hyatt Credit Card and I got the Marriott Rewards Premier Credit Card.

It turns out neither card was a good choice. The Marriott card offers a free night at Category 1-5 properties, while the Hyatt free night is good for Category 1-4 properties, but it seems like all the hotels in Manhattan are strategically in higher categories. We’ve noticed that tends to be the case in other major cities, and hotels that are eligible for the certificates are on the outskirts away from everything. 

Now we’re starting to find the cards useless because in order to redeem those free nights we can’t stay where we want. We could redeem points, but we’ve been saving our sign-up bonuses for international trips where we pretend to be ballers for a night. The idea was to have a card that would provide a free night in Manhattan on our anniversary, but I guess that’s too much to ask.

Naturally, hotels in popular destinations tend to be more expensive whether you’re paying cash or booking an award. As Nick points out, properties in major cities are often at the upper end of the award chart, so you’ll have a harder time booking free nights there with a  certificate that’s restricted to certain categories. However, I disagree that those certificates (or the cards that offer them) are useless, as both Marriott and Hyatt have plenty of lower-tier properties with good redemption value. That won’t help Nick and his wife with their annual trips to Manhattan, but they should be able to put those free nights to use elsewhere.

To me, the limitations of those Marriott and Hyatt certificates underscore the value of other free night certificates with fewer restrictions. For example, the IHG Rewards Club Select Credit Card offers an annual free night at any IHG property (which now includes Kimpton hotels). That’s an especially great deal given the relatively low $49 annual fee. Similarly, the new Hilton Honors Aspire Card from American Express offers one weekend night at most Hilton properties on your account anniversary, plus the opportunity to earn a second weekend night when you meet annual spending requirements. Either of those cards would be a good option for booking a stay in New York City.

I appreciate this story, and I hope it can help other readers avoid making the same mistake. To thank Nick for sharing his experience (and for allowing me to post it online), I’m sending him a $200 airline gift card to enjoy on future travels, and I’d like to do the same for you. Please email your own travel mistake stories to info@thepointsguy.com, and put “Reader Mistake Story” in the subject line. Tell us how things went wrong, and (where applicable) how you made them right. Offer any wisdom you gained from the experience, and explain what the rest of us can do to avoid the same pitfalls.

Feel free to also submit your best travel success stories. If your story is published in either case, I’ll send you a gift to jump-start your next adventure. I look forward to hearing from you, and until then, I wish you a safe and mistake-free journey!

Featured photo courtesy of JW Marriott Essex House.

The Platinum Card® from American Express

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), up to 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.

Apply Now
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.