I use my hotel credit card benefits to travel in luxury -- here are 5 ways to do it
It was only within the last couple of years that I dove into the world of hotel credit cards. For years, I was hyper-focused on transferable card points and airline miles. A coherent hotel credit card strategy just wasn't on my radar.
Many people newer to points and miles initially gravitate toward airline programs. That isn't a huge surprise — the ability to get to your destination for almost free is a logical first step. But what about once you arrive?
For more TPG news and credit card tips delivered each morning to your inbox, sign up for our daily newsletter.
Over the last two years (and yes, even domestically during the pandemic), I've been able to leverage hotel cards to radically change how I travel.
View this post on Instagram
While I still love staying at Airbnbs and vacation rentals in certain instances, hotels have given me the opportunity to have premium experiences — all while still on a relative budget.
This is, in part, thanks to some of the hotel cards that I have, including the Hilton Honors American Express Aspire Card, the Hilton Honors American Express Surpass® Card and the World of Hyatt Credit Card. The information for the Hilton Aspire Amex 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.
Let's dive into the five ways these cards help me travel — and stay — better.
Taking advantage of elite perks
One of the best perks of hotel credit cards is automatic elite status that you get simply from having the card.
Forget about 60-night stay requirements or high levels of spending needed to get elite status. Many of those thresholds are tough to meet, although some elite thresholds have been lowered during the pandemic.
Thanks to hotel cards, you can enjoy some of the same awesome perks that even the most loyal guests experience. For instance, my Hilton Aspire card comes with Hilton Honors Diamond status. Although it comes with a steep $450 annual fee (see rates and fees), TPG values Diamond status at up to $3,000.
Since I am not a frequent Hilton guest, I don't estimate my status to be worth quite as much, but between free breakfasts, occasional suite upgrades, late checkouts and Executive Lounge access, I do get to make use of Honors elite benefits.
And no, you generally won't be treated differently just because you earned your hotel status from a credit card.
Related: Why I went all in on the World of Hyatt card
Cashing in on free nights and credits
Free night awards are the best perk with select hotel credit cards — and frankly, it's an underrated one.
Hilton cards
Besides Hilton Diamond status, the Aspire card offers one weekend night reward for each cardmember year (with more flexibility to use the credit on weekdays through 2021).
Even the most expensive Hilton properties (think: Conrads, Waldorfs and more) qualify to use this free night reward.
The top-tier Hilton card also gives you up to $250 in annual credits for airline incidental fees and up to $250 in Hilton resort statement credits each year. That latter credit can be used even on room charges as long as Hilton defines the property as a resort.
Plus, when you book a two-night minimum stay at hiltonhonorsaspirecard.com, you’ll get up to $100 in credits at participating Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts.
Personally, all of these perks combined more than offset the Aspire’s annual fee — and it is one of the most valuable cards in my wallet
In fact, I used a reward night certificate in 2019 at the Waldorf Astoria Berlin, where cash rates were going for more than $450 a night. That's $450 in value merely from this one card perk alone — equal to the Aspire's annual fee (see rates and fees).
Related: 5 ways to maximize free hotel night rewards during the pandemic
World of Hyatt card
The World of Hyatt card offers an annual free night certificate at a Category 1-4 Hyatt property which you’ll receive every account anniversary. This can be worth much more than the card’s $95 annual fee, but note that it doesn't include more premium properties in the Hyatt portfolio.
I've used my free night reward at The Confidante in Miami Beach, an oceanfront property that can go for more than $500 per night on peak nights, such as during spring break.
I'll also get a second free Category 1-4 night after spending $15,000 in a year.
Related: Best uses of Hyatt free night certificates
Maximizing hotel and card promotions
Cobranded cards often run promotions to entice cardholders to utilize the specific hotel program and to spend money on the card. This is particularly true during the pandemic when fewer cardholders may be traveling.
For instance, I've taken advantage of several Hyatt promotions over the past year. Currently, Hyatt is awarding 2,000 bonus points for every two qualifying nights earned between March 1 and June 15, 2021. This is worth $34 based on TPG’s most recent valuation of World of Hyatt points (1.7 cents per point).
Even better, those with a World of Hyatt Credit Card earn an extra 500 points per two nights, for a total of 2,500 points earned for every two nights stayed. And you'll get a Category 1-4 free night certificate for the first 10 nights stayed. (Register here.)
Last year, I was able to take advantage of Hyatt promotions for getaways to the newly opened Miraval Berkshires, Andaz Scottsdale, Hyatt Residence Club Sedona and more.
Finally, don't forget about card-specific deals directly through the card issuer: Amex Offers and Chase Offers.
Leveraging transferable points
Another consideration is that both the Hilton Honors and the World of Hyatt programs partner with transferable points currencies.
You can transfer Amex Membership Rewards points to Hilton and you can transfer Chase Ultimate Rewards points to Hyatt. Transferable points are a powerful tool. If you don’t have enough points with a specific program, you can easily shift points over from another program.
Best of all, both Hyatt and Hilton allow points pooling between accounts (although Hyatt has a clunky process that requires a PDF).
This is perfect for booking with friends or family. A friend can transfer from Membership Rewards or Ultimate Rewards to a hotel program and then combine points with you for a specific redemption. I've done that a few times to simplify how I get paid back when booking on points.
Related: How I traveled the world on points right before the pandemic
Staying at expensive (in cash) properties
My hotel credit cards have helped open the door to properties I wouldn't even have considered staying at previously.
For instance, last summer, I stayed at the Miraval Berkshires, an all-inclusive wellness property that commanded a nearly $3,000 price tag for a weekend stay.
However, because of a buy-one-get-one offer along with a 25% points rebate for having the World of Hyatt card (both offers have since expired), I was able to use just 48,750 points. (That's also my best hotel redemption ever, at 6.2 cents per point in value.)
With complimentary night rewards with Hilton, I also have my eyes set on the Conrad Koh Samui in Thailand once it is possible to do so. In non-pandemic times, a hotel of that stature can easily command $1,000 per night for a room. With a couple of reward night certificates and a stash of Hilton points, several days at an exclusive property like that is within reach.
Related: Best high-end Hilton redemptions
Bottom line
Over the past few years, I'm glad I've diversified my interest in points and miles to expand to hotel cards.
Thanks to these cards, a stash of Hilton and Hyatt points and a commitment to finding the best deal, I've been able to stay at some fantastic properties while on a (relative) budget.
For rates and fees of the Hilton Aspire Card, please click here.
Top offers from our partners
How we chose these cards
TPG featured card
Rewards
6X | 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. |
4X | 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. |
2X | 2x points on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Finally, the free night award certificate with a redemption level of 35,000 points or less can get you hundreds of dollars in potential value each year.Pros
- 6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program
- 4 points per dollar at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
- 2 points per dollar on all other eligible purchases
- Earn a free-night award each card renewal month (up to 35,000 points)
- Receive 15 elite night credits to jump-start status
- Transfer Marriott points to 40+ airlines
Cons
- Airline points transfer ratios are poor
- Must spend $60,000 in a year for second free-night award
- Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 5/3/23.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.
Rewards Rate
6X | 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. |
4X | 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. |
2X | 2x points on all other eligible purchases. |
Intro Offer
Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 5/3/23.Earn 125,000 points75,000 pointsAnnual Fee
$125Recommended Credit
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.670-850Excellent/Good
Why We Chose It
The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Finally, the free night award certificate with a redemption level of 35,000 points or less can get you hundreds of dollars in potential value each year.Pros
- 6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program
- 4 points per dollar at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
- 2 points per dollar on all other eligible purchases
- Earn a free-night award each card renewal month (up to 35,000 points)
- Receive 15 elite night credits to jump-start status
- Transfer Marriott points to 40+ airlines
Cons
- Airline points transfer ratios are poor
- Must spend $60,000 in a year for second free-night award
- Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 5/3/23.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.