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Established Contributor
SwiftTone
Posts: 1,026
Registered: ‎02-27-2012
0

Re: Hotel cards that pay for itself.


Omri wrote:

Chase Hyatt has a $75 AF and you get an annual free night in a category 1-4 Hyatt. AFAIK, sign-up bonus is 2 free nights.

 

Chase Marriott Rewards Premier has an $85 AF and you get an annual free night in a category 1-5 Marriott. AFAIK, sign-up bonus is 1 free night in cat 1-4 and 50,000 points.

 

The Priority Club one allows you to stay in *any* of their hotels, including the expensive Intercontinental hotels.

 

I don't believe any of the cards are metal, but I think the Hyatt card has an EMV chip in it, so those are cool! Oh, and I just looked and it looks like the Marriott Rewards Premier card has one too :smileyhappy:

 

As far as how big hotels' networks are, this may be helpful: http://www.nerdwallet.com/infographics/hotel-rewards

 

I don't have any experience booking rewards (as I have none of these cards, but I've been researching them, as I'm looking to apply for one soon), so I don't know how difficult it is/blackout issues/etc. Hope this helps!

 

Edit: Personally, given what you said about how luxury isn't important and network size is, I think the Priority Club card is probably your best bet. The points aren't worth much, and therefore the earn rate isn't as good as other cards, but if you primarily want it for the annual free night, it has the biggest network, the lowest annual fee, and you can use your free stay for a fancy hotel as an added bonus. I'm pretty sure I'm going to go with Priority Club for these reasons.

 

Edit again: Included sign-up bonuses.


 

 

Excellent post, thank you

BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$12,500, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 734
EX FICO(AMEX) - 712
Valued Contributor
MrShush
Posts: 1,412
Registered: ‎04-18-2008
0

Re: Hotel cards that pay for itself.

I don't know what my TU score is...haven't checked lately but its between 750 and 785.

The other Chase cards I have are Freedom Sig @ $6500, Slate Visa @ 7000, JPM Select @ $18000, and this Marriott was approved @ $20, 000.
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
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Re: Hotel cards that pay for itself.

What about Amex SPG?

 

I thought that it is one of the best card?

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor
MrShush
Posts: 1,412
Registered: ‎04-18-2008
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Re: Hotel cards that pay for itself.

SPG is great and has a ton of flexibility, low AF, but personally, I don't stay at any.
Valued Contributor
Repo-ed
Posts: 2,960
Registered: ‎02-09-2012
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Re: Hotel cards that pay for itself.

im hoping for success with marriott as i have a lot of one-night travel planned for 2013, and that 5 night bonus would help out some.
5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Frequent Contributor
koalablue
Posts: 356
Registered: ‎05-23-2012
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Re: Hotel cards that pay for itself.

If you want total flexibility in where you can stay, you could try the Amex Blue Sky Preferred.  You can use their travel credits toward any hotels as well as airplane tickets, car rentals, train trips, and cruises.  Every 7500 points gets you a 100.00 travel credit, and you can apply it to any travel-related charge you wish.

Established Contributor
jefftca925
Posts: 706
Registered: ‎08-14-2008
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Re: Hotel cards that pay for itself.

I have the Marriotts Rewards Premier card and it definitely is NOT made of metal... plastic like the other cards.  I think it is probably one of the better hotel cards to have despite the AF because you get the free night once a year which can be worth up to $150 or more.  The sign-up bonus is very good too since depending on where you stay but you can get roughly 5 nights free at a category 4 or 5 hotel...not too shabby.  Plus if combined with the other Chase cards (Freedom, CSP, United) I have it can make a nice vacation pretty inexpensive.

CCs: Chase Freedom VS 6.9k, CSP VISA Sg 7k, BofA Amex 12.5k, Discover 10.5k, US Bank Cash+ Visa Sg 12.5k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Amex Zync, Costco Amex 12k, BofA CR VS 17k, Amex BCP 9.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 4k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase United VS 13k, Chase Marriott VS 8k, Citi Simplicity 13.3k, PayPal MC 5k, Compass Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 13.3k, Capital One QS Visa 11k, FRN MC 13.5k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates VS 8k, Orbitz VS 9k, NASA V 30k, USBk FP VS 17k
Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Hotel cards that pay for itself.

[ Edited ]

djrez4 wrote:

How about the Amex Hilton HHonors with no annual fee and 40k points on first purchase?  That'll get you 1-2 free nights, depending on the category of hotel you choose.  It's hard for that card not to pay for itself; it doesn't cost anything.

 

If you really, REALLY, want a metal hotel rewards card, the Chase Ritz-Carlton card is the only one.  You get one free night, 3 Club-level upgrades, $100 hotel credit, $200 in airline incidentals (baggage fees, etc.) and airport lounge access (Lounge Club, about $200).  All this for an annual fee of only $395!  

 

If you use all of the perks, it actually does pay for itself.


+1. At first I wasn't 100% sure as to the value of the Ritz card, but as I'm currently in a Marriott typing this I can say it has already paid for itself and then some. It's metal like the CSP and United Club cards, but the numbers are on the front unlike the other two. Don't let the $395 AF scare you off if you can use the card properly.
FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Established Contributor
Cdnewmanpac
Posts: 766
Registered: ‎01-16-2012
0

Re: Hotel cards that pay for itself.


armbenderc wrote:

What about Amex SPG?

 

I thought that it is one of the best card?


As a flexible uncategorized spending card, it is phenomenal. The ability to convert Starwood points to many different airlines at 1:1 while getting a 5000 pt bonus per 20000 pts converted is a great value for big spenders. But as an actual hotel card, it is average at best. I know several people who use it as a go to card, but have never stayed at a Starwood property. 

 

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Established Contributor
SwiftTone
Posts: 1,026
Registered: ‎02-27-2012
0

Re: Hotel cards that pay for itself.

[ Edited ]

jefftca925 wrote:

I have the Marriotts Rewards Premier card and it definitely is NOT made of metal... plastic like the other cards.  I think it is probably one of the better hotel cards to have despite the AF because you get the free night once a year which can be worth up to $150 or more.  The sign-up bonus is very good too since depending on where you stay but you can get roughly 5 nights free at a category 4 or 5 hotel...not too shabby.  Plus if combined with the other Chase cards (Freedom, CSP, United) I have it can make a nice vacation pretty inexpensive.



I believe that the card recently was redesigned. It's now black, with engraved numbers, and metal. Also has chip and sig chip now.

 

The Marriott sign up bonus/free nights are nice but I'm more thinking inline of getting free night year after year. The Marriott card seems that after the initial bonus, theres not much more. Also, Marriot hotels does not have as much coverage as Priority Club hotels, which include Holidy Inns(I don't mind as long as it's clean) and Staybridge which I stayed in in NYC which I thought it was very nice. Sometimes we travel to Vermont for hiking, and other times we'll go to NYC for the weekend.

 

I grew up "function over form". When we did road trips with my parents we stayed in motels etc...lol. Just as long as it's clean and safe. So Priority Club hotels are definitely a step up from Motel 8s. I've carried this habbit over to my gf whome have the same view.

 

edit: after reading Chase's site more carefully about the Marriott Premier, it says "15 night credit every year after your account anniversary, giving you Silver Elite status or better" What does this mean exactly. I can't imagine it means that you get 15 free nights a year.

BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$12,500, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 734
EX FICO(AMEX) - 712

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