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Top 5 reasons to get the credit card

July 14, 2021
8 min read
Swimming pool at luxury resort with cabanas overlooking Napa Valley, California
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From villas to tree houses and hundreds of thousands of other properties across the world, has accommodations for every type of traveler. also has a straight-forward loyalty program, access to secret prices on select properties and no blackout dates on reward night redemptions — something that isn't offered with many other hotel loyalty programs.

And with travel demand increasing significantly as the U.S. comes out of the coronavirus pandemic, now is a great time to start planning ahead for your fall and winter vacations.

This is where the® Rewards Visa® Credit Card can come in handy, offering new cardholders a number of ways to earn reward nights, both with a newly-enhanced welcome bonus and ongoing spending — all with no annual fee (see terms).

Read on for the top five reasons to get the Rewards card.

Double the sign-up offer

The Rewards card is offering new cardholders will earn two hotel reward nights worth $250 total (max $125 per night; excluding taxes and fees) after spending $1,000 on purchases in the first three months of account opening. Normally, this offer is just a single reward night worth $125 for the same level of spending — so getting the card now would double the value of what's typically offered to new applicants.

In addition to the pair of reward nights, that $1,000 you spend also counts as qualified spending toward additional rewards nights. Each time you spend $500 on purchases with the Rewards card, you earn you a stamp in the program. When you accumulate 10 stamps, you get another reward night.

In other words, your initial spend of $1,000 will put you 20% of the way toward yet another reward night with the Rewards program.

Related: Why infrequent travelers shouldn’t book with hotel chains

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Earn reward nights via stays at properties like the Tokoriki Island Resort in Fiji. (Photo by Ryan Patterson/The Points Guy)

Easy to earn reward nights

There are two ways to earn the 10 stamps required to earn a reward night through

  • By booking paid stays at
  • Through everyday spending on the Rewards card

You can also use a combination of these two methods to earn stamps.

However, night values differ depending on how the stamp was earned.

Related: These are the top properties around the world

Travelers earn one stamp for every hotel night they stay at any eligible property booked on and must collect 10 stamps in order to earn a reward night. That reward night is then worth the average cost of the 10 nights booked to earn those 10 stamps. For example, if you booked 10 nights for $200, the value of your reward night would be $200.

Meanwhile, cardholders of the Rewards card earn one stamp for each $500 spent on the card — and each one of these stamps is equivalent to a nightly rate of $110. In other words, if you spend $5,000 on the card and collect 10 stamps, you’d earn a reward night valued at $110 (excluding the taxes and fees on the room).

Comparing the card’s reward structure for card purchases to those of other cards requires a bit of math, but we’ll do the basic calculations for you. If you divide the value of the reward night by the amount you spent to earn the 10 stamps ($110 ÷ $5000), that translates to a 2.2% return on everyday spend. This is an exceptional value when compared to many no-fee travel cards.

However, the best part is that you don’t have to earn all the stamps one way or another — you can combine these two strategies to get to a free night even faster. To calculate the value of a reward night earned in this way, you simply take the average of your 10 stamps.

Consider the following example:

  • $2,500 spent on the card earns you five stamps, each valued at $110.
  • Five nights spent in a $200-per-night hotel room booked online at earns you five stamps, each valued at $200.

The reward night would thus be worth $155 — the average of five stamps at $110 and five stamps at $200, excluding taxes and fees.

Read more: A review of the credit card

Photo courtesy of Mandarin Oriental Kuala Lumpur

Minimal fees

The Rewards card has no annual fee, making it a great option to add to your wallet without incurring an upfront cost — and avoiding a recurring yearly fee.

In addition, it also doesn’t charge any foreign currency conversion fees — a relative rarity for a card with no annual fee. This makes it a great option to take abroad (when international borders reopen more fully), as you can pay for your international stays, meals, attractions and souvenirs with the card without any added currency conversion fees.

Read more: When will international travel return? A country-by-country guide to coronavirus recovery

Silver membership as long as your card is open

Cardholders of the Rewards card also get Silver membership in the program as long as your card is open — which in turn unlocks added perks when staying at select properties on

Silver membership can include items such as free breakfast, Wi-Fi, airport transfers and more at select properties. In addition, Silver travelers enjoy Price Guarantee Plus — which means that will match a better price for a room that you’ve already booked and refund you the difference, even up until the time you check-in to your hotel.

Lastly, as a Silver member, you’ll have access to priority customer service, which lets you speak to a member of a dedicated team of customer service representatives.

You can enjoy cell phone coverage when you use your card for your phone bill each month. (Photo by Pornchai Jaito / EyeEm / Getty Images)

Travel and cell phone protection

Many top travel rewards cards include an array of protections for cardholders. However, these cards typically incur an annual fee. But that’s not the case with the Rewards card, which offers travel protection and cell phone protection without an annual fee.

When you pay your monthly cell phone bill with the card, you get up to $600 against damage or theft (subject to a $25 deductible). Terms apply.

The card also offers a wide array of travel protections when you use the card for your flights — including trip interruption and cancellation coverage, which pays up to $2,000 per insured person for the non-refundable common carrier ticket(s) that you paid for with your covered account. The following are just a few of the additional travel protections available to cardholders (terms apply):

  • Emergency cash disbursement and card replacement
  • Travel and emergency assistance services — such as connecting you with the appropriate local emergency resources and assistance
  • Roadside dispatch in case of car emergencies

These services provide valuable piece of mind when you use your card to pay for your trips.

Related: The complete guide to the award program

Bottom line

The Rewards Visa Credit Card is a no-annual-fee credit card that allows you to earn stamps toward reward nights for everyday purchases. And right now, it’s offering an enhanced sign-up bonus of two reward nights valued at $125 each — double the usual offer — when you spend $1,000 in purchases in the first three months.

Cardholders can also earn one stamp for each $500 on card purchases — which means 10 stamps (and another reward night worth $110) after spending $5,000.

The card also offers other valuable travel benefits such as trip protection, cell phone coverage and Silver membership exclusives at select properties through

All of these reasons could make today a perfect time to add the Rewards card to your wallet.

Click here to learn more and apply.

Featured image by Trinette Reed / Stocksy United
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
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