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Cleared for Takeoff: A honeymoon in French Polynesia with Chase and Amex points

September 7 2021
18 min read
Conrad Bora Bora
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Cleared for Takeoff is a weekly series showing readers like you the best ways to book adventures using points and miles. If you’d like tips on booking your own trip using miles, please email us with your preferred itinerary and current mileage balance.

With beautiful sunsets and overwater villas, French Polynesia is a popular honeymoon destination. So, for today’s Cleared for Takeoff story, I’ll look at TPG reader Mike Fleury’s request for help planning a honeymoon trip to French Polynesia:

I would love some guidance on my points strategy for my honeymoon next July 2022. We plan on traveling from New York to Bora Bora for a dream honeymoon (we thought of Maldives but with the monsoon season during the summer we decided not).
We were thinking of staying in Moorea possibly at the Hilton Moorea Lagoon for a few days and then traveling to Bora Bora for another few days (possibly Conrad Bora Bora). We are open to all alternatives for the best value and experience.
We were thinking of getting the Hilton Honors American Express Aspire Card for the Hilton perks and sign-up bonus. My fiancee was approved but would not receive the welcome bonus so we passed on it for now. I was thinking of getting it and adding her as an authorized user if she doesn't eventually get approved.
Any suggestions or feedback would greatly be appreciated in terms of maximizing my points for different flights out of JFK NY and hotels in Moorea and Bora Bora. I have been focusing on getting points, but I am not sure which direction to shift focus when it comes to maximizing the points for a nice flight or a luxury hotel.

The information for the Hilton Aspire 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.

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Mike and his fiancee have a stash of Chase Ultimate Rewards points and American Express Membership Rewards points. So, follow along as I share how I’d plan their trip to French Polynesia using points and miles.

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Current points stash

Conrad Bora Bora (Photo by Summer Hull/The Points Guy)

Mike and his fiancee currently have the following points balances they can use for their trip to French Polynesia:

Assuming Mike and his fiancee consider themselves to be part of one household, they should be able to transfer Chase Ultimate Rewards points between their accounts.

However, Amex doesn't allow its members to transfer Membership Rewards points to other members. And, someone must be an additional cardholder on your account for at least 90 days before you can link their loyalty account and transfer points into their hotel or airline loyalty program accounts. So, Mike and his fiancee should consider whether they should add each other as additional cardholders to facilitate points transfer in the future.

Related: Maldives vs. Bora Bora: Which remote island chain should you visit?

Round-trip airfare to Tahiti

You could fly French Bee between San Francisco and Tahiti. (Photo by JT Genter/The Points Guy)

There are several ways to get to Tahiti using points and miles. For example, if you find availability, you can book Star Alliance flights through ANA Mileage Club for 75,000 miles round-trip. And you can sometimes get good value using Air France/KLM Flying Blue to book SkyTeam awards to Tahiti.

Unfortunately, I found no good-value options when I searched for awards through Flying Blue and ANA Mileage Club for travel next July. But, award availability changes frequently. So, I recommend doing some searches for yourself and potentially setting up some ExpertFlyer alerts.

However, if Mike and his fiancee want to book flights now, their best bet is to book a cash fare through the Chase Ultimate Rewards travel portal. For example, here's one of the least expensive options for a trip in July 2022:

(Screenshot courtesy of travel.chase.com)

The above screenshot shows the points I'd need to redeem from my Chase Sapphire Preferred Card. But, Mike can get 1.5 cents per point instead of 1.25 cents per point when he books travel through the Chase Travel portal since he has a Chase Sapphire Reserve card. So, he'd redeem 73,910 Ultimate Rewards points per person for this Alaska Airlines and French Bee round-trip.

How to book this award with points

Start at the Chase Ultimate Rewards homepage if you want to book travel through the Chase Travel portal. Click where it says "Earn / Use" on the top menu and then click on "Travel."

(Screenshot courtesy of travel.chase.com)

Now, enter your routing, dates and the number of tickets you want to book.

(Screenshot courtesy of travel.chase.com)

You'll see results on the next page. You can sort and filter the results by various attributes. Once you find an outbound itinerary you like, click "Select" and then pick a return itinerary.

(Screenshot courtesy of travel.chase.com)

On the next page, you'll see a summary of your flights.

(Screenshot courtesy of travel.chase.com)

Then, if you click to continue, you'll reach the final page where you'll need to enter the passenger information and payment information. If you don't have enough Ultimate Rewards points to cover the entire fare, you can pay the rest of the fare with a Chase-issued credit card.

Related: How to redeem Chase Ultimate Rewards points for maximum value

How to earn enough points for this award

To earn Chase Ultimate Rewards points, you'll need a Chase Ultimate Rewards card. Here are the Chase Ultimate Rewards cards currently accepting applications, including their sign-up bonuses:

But, if you have one of the above cards, you can also convert cash-back rewards earned by several other Chase cards into Ultimate Rewards points. For example, the Chase Freedom Unlimited and Chase Freedom Flex earn rewards that you can convert into Ultimate Rewards points if you have the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred.

Related: Around the world: How to spend 1 million Chase Ultimate Rewards points

Airfare within French Polynesia

Once in Tahiti, Mike and his wife could take a ferry to Moorea. But, if they want to go to Bora Bora, they'll likely want to catch a flight on Air Tahiti (a different airline than Air Tahiti Nui). I tried searching sample July 2022 fares, but my search repeatedly failed. But, fares for a round-trip flight from Tahiti to Bora Bora in May 2022 are as follows:

(Screenshot courtesy of airtahiti.com)

For reference, XPF 84,324 is about $828. So, if they have the time and cash to extend their trip and check out some other French Polynesian islands, I highly recommend looking into a multi-island pass. In particular, the Bora Bora Pass would let them visit up to five islands. For example, they could fly Tahiti to Moorea to Huahine to Raiatea to Bora Bora to Maupiti and then back to Tahiti for 465.90 euros (about $552) per person.

However, if Mike and his wife decide to visit islands besides Tahiti, Moorea and Bora Bora, they'll likely need to book cash rates for hotels. After all, there aren't hotels that belong to the major hotel loyalty programs on most of the less-visited islands.

Related: 3 stunning islands in French Polynesia that will make you forget about Bora Bora

Hotels in French Polynesia to book with points

Conrad Bora Bora (Photo by Summer Hull/The Points Guy)

Since Mike and his fiancee have Amex Membership Rewards points and Chase Ultimate Rewards points, they could transfer points to Marriott Bonvoy, Hilton Honors, IHG Rewards, World of Hyatt and Choice Privileges. But, Choice and Hyatt won't help them in French Polynesia since these programs don't have any properties in the region. And IHG Rewards won't help since there's currently no award availability for July 2022 stays at IHG hotels in French Polynesia.

As such, I'll consider Hilton Honors and Marriott Bonvoy properties in French Polynesia in this section.

Hilton hotels to book with points in French Polynesia

Hilton Honors has three properties in French Polynesia: Hilton Tahiti Resort, Hilton Moorea Lagoon Resort and Spa and Conrad Bora Bora Nui. Here's a quick look at award availability for five-night stays at each property. After all, Hilton Honors offers a fifth night free on award stays to all Hilton Honors elite members.

First off, here's a look at award availability for a five-night stay at the Hilton Tahiti Resort next July:

(Screenshot courtesy of hilton.com)

At the Hilton Tahiti Resort, standard room reward nights cost 80,000 points per night throughout July and book into a garden view room with one king bed or two queen beds. So, a five-night stay for Hilton elites would cost 320,000 after a fifth night free. But, since you're redeeming Hilton points, you won't need to pay the $11.95 (plus tax) nightly resort charge.

Now, here's award availability for a five-night stay at the Hilton Moorea Lagoon Resort next July:

(Screenshot courtesy of hilton.com)

As you can see, there aren't any five-night standard room reward stays in July 2022 at the Hilton Moorea Lagoon Resort. However, when I clicked through to see awards for a sample stay, I found that premium room reward nights start at 190,000 points instead of the 218,000 points advertised on the calendar search.

(Screenshot courtesy of hilton.com)

Finally, here's award availability for the Conrad Bora Bora Nui next July:

(Screenshot courtesy of hilton.com)

As with the Hilton Moorea, there are no five-night standard room reward stays in July 2022 at the Conrad Bora Bora Nui. But, also like the Hilton Moorea, the calendar view of award night prices isn't accurate. For example, I clicked through to a sample award stay that would cost 553,000 points (at least for the first night) instead of 1,344,000 points per night.

(Screenshot courtesy of hilton.com)

If Mike and his wife decide to stay with Hilton in French Polynesia, it makes sense for one of them to get the Hilton Honors American Express Aspire Card for its annual resort credit and Hilton Diamond status. However, they should make sure to transfer Amex points to the person who has Hilton Diamond status to utilize Hilton Diamond perks during their stays.

Related: How points and miles helped my family book a dream vacation to Bora Bora

Marriott hotels to book with points in French Polynesia

There are two Marriott Bonvoy hotels in French Polynesia: Category 7 Le Méridien Bora Bora and Category 8 The St. Regis Bora Bora Resort. But, the Le Méridien Bora Bora is closed for renovation until the fourth quarter of 2022. Hence, the St. Regis Bora Bora is the only Marriott Bonvoy option for a July 2022 trip to French Polynesia.

However, for every July 2022 five-night stay that I searched, The St. Regis Bora Bora adds a cash upgrade cost to its Category 8 award pricing. For example, for this sample stay in July, you'd need to pay an extra 375,000 XPF (about $3,681) on top of the 370,000 Marriott points for a five-night stay.

(Screenshot courtesy of marriott.com)

As such, I can't recommend Mike and his fiancée redeem Marriott Bonvoy points in French Polynesia unless they find a redemption option that doesn't require a significant cash upgrade.

Hotel recommendations for Mike's trip

Given award availability and pricing, here's how Mike and his fiancée may want to redeem Hilton points in French Polynesia:

  • July 10-15: Five-night stay at the Hilton Tahiti Resort for 80,000 points per night (320,000 points total)
  • July 15-17: Two-night stay at the Hilton Moorea for 190,000 points per night (380,000 points total)
  • July 17-19: Two-night stay at the Conrad Bora Bora for $2,803

You'll notice that I recommend they book a paid rate at the Conrad Bora Bora. After all, for the July 17 - 19 sample stay at the Conrad Bora Bora, they could redeem 1,104,000 points or pay the equivalent of $2,803. As such, they'd get just 0.25 cents per point on this redemption -- which is far less than TPG's valuation of Hilton points at 0.6 cents per point. Plus, by booking a paid rate, they'd also earn Hilton Honors points during their stay.

Related: Should you use points or cash to book hotels?

How to book Hilton hotels with points

Redeeming Hilton points is straightforward. Just go to Hilton's website and enter your destination, dates, number of guests and check the "Use points" box under "Special rates." Then click "Find a hotel."

(Screenshot courtesy of hilton.com)

You'll see a list of hotels with award rates as well as a map of hotel locations. Click "View rates" for the hotel you want to book.

(Screenshot courtesy of hilton.com)

Now you'll see a selection of room types that you can book. Click "More prices available" under the room type you want to book.

(Screenshot courtesy of hilton.com)

Now you can compare cash rates against points rates. However, note that you won't see the total award cost until you sign in. Click "Sign in" to continue with your award booking.

(Screenshot courtesy of hilton.com)

If you don't have enough Hilton points to pay for the redemption, you can pay for the remaining cost with a credit card. For example, I could redeem my 159,000 Hilton points and pay 173,027 XPF (about $1,698) for this sample five-night stay.

(Screenshot courtesy of hilton.com)

However, it may be better to earn more Hilton points so you can pay entirely with points. After all, when you pay entirely with points, you'll get the fifth night free (if you have Hilton elite status) and avoid paying the resort charge and taxes.

How to earn Hilton Honors points

One of the quickest ways to earn more Hilton Honors points is to transfer American Express Membership Rewards. Best of all, Amex is offering a 30% transfer bonus when you transfer to Hilton through Oct. 31, 2021. So, Mike and his fiancée can transfer Amex points to Hilton at a 1000:2600 ratio if they act soon. In particular, during this transfer bonus, they could transfer their 180,000 Amex points to Hilton and get 468,000 Hilton Honors points.

Mike and his fiancee could also buy Hilton points during a promotion. For example, you can currently buy Hilton points for as little as 0.5 cents per point through Sept. 30, 2021.

Or, as Mike mentioned in his request, you could sign-up for a new Hilton Honors credit card. For example, here are the currently available Hilton cards and their current welcome bonuses:

  • Hilton Honors American Express Surpass® Card: Earn 130,000 Hilton Honors bonus points after you spend $2,000 in purchases on the card in the first three months of card membership.
  • Hilton Honors American Express Card: Earn 100,000 Hilton Honors bonus points after you spend $1,000 in purchases on the card in the first three months of card membership. Plus, earn up to $100 in statement credits on eligible purchases made on the card at any of the Hilton family hotels in the first 12 months of membership.
  • The Hilton Honors American Express Business Card: Earn 130,000 Hilton Honors bonus points after you spend $3,000 in purchases on the card in the first three months of card membership.
  • Hilton Honors American Express Aspire Card: Earn 150,000 bonus points after you spend $4,000 in purchases on the card within your first three months of card membership.

However, if you plan to earn Hilton Honors points by applying for a new credit card, remember that you'll need to meet the minimum spending requirements for the bonus before you'll earn the points. So, while buying or transferring points can get you points to use now, applying for a new card will only work well if you don't need the points immediately.

Related: Dreaming of French Polynesia: How I’m booking Tahiti (again) on points and miles

Bottom line

Here, I laid out my recommendations for Mike and his fiancée's trip to French Polynesia.

Unfortunately, reasonably priced awards aren't available for much of their trip. As such, if I were in their shoes, I'd consider visiting a different destination such as Fiji. After all, when I visited Fiji and French Polynesia a few years ago, I found that Fiji provided better value for my points and cash while still being an excellent experience.

If Mike and his fiancée still want to visit French Polynesia, I recommend checking flight and hotel awards frequently. By doing so, I hope they can snag inexpensive awards if they become available. Additionally, I recommend they considering purchasing the Bora Bora Pass. By doing so, they could visit more islands and mix some nights at luxury Hilton hotels with nights booked through Airbnb or an online travel agency.

If you have a destination in mind and need help figuring out your points strategy, send us an email to be featured in the next installment of Cleared for Takeoff.

Featured photo by SUMMER HULL/THE POINTS GUY
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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  • Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
  • 6x points at hotels participating in the Marriott Bonvoy® program.
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  • 2x points on all other eligible purchases.
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Best Marriott card for Business Owners
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review

Rewards Rate

6X6x points at hotels participating in the Marriott Bonvoy® program.
4X4x 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.
2X2x points on all other eligible purchases.
  • Intro Offer
    Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.

    Limited Time Offer: Earn 100,000 points
    75,000 points
  • Annual Fee

    $125
  • Recommended 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.

    670-850
    Excellent/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

  • 6x points on eligible purchases at hotels participating in the Marriott Bonvoy program
  • 4x points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
  • 2x points 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 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
  • 6x points 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 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.
  • 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.
  • See Rates & Fees