Best Credit Cards for Points — Free Hotel Stays

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Conrad Koh Samui, Thailand

Conrad Koh Samui, Thailand

LAST UPDATE: 07.05.18

LATEST: Barclays Arrival + 60,000-point offer (HT: DoC

The higher bonuses for Amex Hilton and Hilton Business cards are gone. Back to 50,000 and 100,000 points.

Added the new Chase Hyatt 60,000-point offer.

Added the new Wyndham 45,000-points link with higher annual fee ($75 vs. $69) and Spending ($2,000 vs. $1,000).

UPDATE 7.10.18 I’ve removed all affiliate links. I will replace them with direct links shortly.

Please keep in mind:

  1. My threshold for a credit card bonus is $400. Normally, I won’t apply for less. However, if you already “collect” certain currencies, like American Express MR or Chase UR points, do go for a lesser bonus from another credit card to top up your points.
  2. Know the rules. Many banks are limiting our abilities to apply for credit cards nowadays. Check the Credit Card Rules section at the bottom of this page and choose wisely.

Some offers come and go… and then come back again. To preserve my sanity and myself from hard manual labor (read the title of this blog again) I will use the following legend.

  • BOLD BLUE TYPEFACE – THE OFFER IS CURRENTLY WORKING.
  • REGULAR TYPEFACE – THE OFFER IS DEAD OR “ON HOLD”.

Whatever you do, read the fine print in a credit card’s T&C before applying. Most of these offers have spending requirements and annual fees (that are sometimes waived for the first year). Know what you’re going into and make sure you’re OK with it.

I only post publicly available offers on this page unless it’s easy to get a targeted or a non-public offer.

Some offers come and go… and then come back again. To preserve my sanity and myself from hard manual labor (read the title of this blog again) I will use the following legend.

BOLD and BLUE: The links are working. Use the link that provides a higher bonus (Duh!).

Not BOLD, not BLUE: The links are dead or on “hold”

Hilton

Hilton Honors American Express 50,000

  • The bonus is up from 50,000 for limited time (6.27.18)
  • 75,000 points after you spend $1,000 in purchases within the first 3 months
  • No annual fee
  • Limited time (6.27.18)
  • 100,000 points after you spend $3,000 in the first 3 months
  • Weekend night reward after your first anniversary
  • $95 annual fee
  • Gold status
  • 10 free visits to Priority Pass airport lounges

Hilton Honors American Express Business 100,000

  • Limited time (6.27.18)
  • 125,000 points after you spend $5,000 in the first 3 months
  • Weekend night reward after the first anniversary
  • $95 annual fee
  • Gold status
  • 10 free visits to Priority Pass airport lounges

Hilton Honors American Express Aspire 100,000

  • 100,000  Hilton Honors Bonus Points after you spend $4,000 in the first 3 months
  • $450 annual fee
  • Free Diamond status
  • One weekend night reward annualy
  • $250 in Hilton Resort Credits and $250 Airline Fee incidentals Credit each year
  • Free Priority Pass airport lounges access for you and up to 2 guests

It’s possible to do even better and score an extra $50 statement credit via dummy booking on the Hilton website. Check these posts from Miles to Memory and Doctor of Credit.

IHG (InterContinental, Holiday Inn, etc.)

Chase IHG Rewards Club Traveler 65,000 Points

  • Spending requirement: $2,000/3mths and adding an authorized user.
  • $29 annual fee, not waived.
  • 4th award night free
  • Gold Status
  • Free anniversary night at up-to 40,000-point IHG hotel.

Chase IHG Rewards Club Premier 85,000 Points

  • Spending requirement: $2,000/3mths and adding an authorized user.
  • $89 annual fee, waived for the 1st year.
  • 4th award night free
  • Platinum Status
  • Free anniversary night at up to 40,000-point IHG hotel.

Marriott and Ritz Carlton

Chase Marriott Rewards Premier Plus 100,000

  • Increased limited time offer
  • Spending requirement: $5,000/3mths.
  • Annual fee: $95, not waived.
  • Free night at up to 35,000-points hotel after the anniversary.

Marriott Rewards Premier Business 75,000 points

  • Spending requirement: $3,000/3mths.
  • Annual fee: $99, waived for the 1st year.
  • Free night at 1-5 Cat after the 1st anniversary.

Chase Ritz-Carlton 2 Free Nights (Tiers 1-4)

Chase Ritz Carlton Card

  • Spending requirement: $4,000/3mths.
  • Annual fee: $450, not waived.
  • Lots of other goodies

Starwood Preferred Guest

UPDATE: No good current offers. Wait until AMEX introduces a new Luxury card in August.

best credit cards for miles AMEX SPG Card

Starwood Preferred Guest Business Credit Card from AMEX

best credit cards for miles AMEX SPG Business Card

Hyatt

Chase Hyatt 65,000 Points 
Chase Hyatt Card

  • Spending requirement: $3,000/3mths for 40,000 and another $3,000/6mths for 20,000 more points.
  • $95 annual fee, not waived.
  • Discoverist Status.
  • Free Cat. 1-4 night annually.

Choice Privileges (Comfort Suites, Clarion, etc.)

Barclaycard Choice Privileges 32,000 Points Barclaycard Choice Privileges Card

  • Spending requirement: $1,000/3mths.
  • No annual fee.

Club Carlson (Radison, Park Plaza, Park Inn, and Country Inn)

US Bank 85,000 Points Personal and Business Cards

US Bank Club Carlson cards

  • Spending requirement for Premier and Business cards: first purchase for 50,000; $2,500/3mths for additional 35,000 points.
  • Annual fee: $75 for Premier and $60 for Business.
  • Gold Status and 40,000 renewal points for Premier or Business.

You can apply for every card on that page, including the no annual fee card, since they are all distinct products (not at the same time, though).

Wyndham Rewards

UPDATE: The offer has scaled back to 30,000 — it’s likely to return. 

Barclaycard Whyndam 45,000 Points 

You will find the terms when you scroll to the bottom (HT to DoC) 
Barclaycard Wyndham Card

  • Get 30,000 points after the first purchase and 15,000 after spending $2K/3mths.
  • Annual Fee: $75. Not waived.

Best Western

Best Western Rewards Premium 70,000 Points

Best Western Card

 

  • Spending requirement: $1,000/3mths for 50,000 points and $5,000 in 12 months for another 20,000 points.
  • $59 annual fee, waived for the first year.

Best Western Rewards Business 48,000+32,000-Point OfferBest Western Business Card

  • Spend Requirement: $1,000/3mths for 48,000 points and $25,000 in 12 months for $32,000 points.
  • Annual fee: none.

OTHER CREDIT CARDS

You can transfer points from credit card programs to hotel programs or redeem them for free hotel stays. 

American Express Membership Rewards Cards

The American Express Membership Rewards program encompasses several Platinum and Gold cards. Some of them are as follows:

AMEX Platinum 60,000 MR Points.

best credit cards for miles American Express Platinum Card

 

AMEX Platinum Charles Schwab 60,000 MR Points 

Must have or open a $1,000 Charles Schwab account

best credit cards for miles american express platinum charles schwab

Benefits for all American Express Platinum cards:

  • Spending requirement: 5,000/3mths.
  • Annual fee: $550 (NOT waived).
  • Transfer points to multiple airlines and hotels.
  • Lots of other goodies

There is also a 100,000-point Platinum offer with a mammoth $25,000 spending requirement — not recommended.

AMEX Business Gold Rewards 50,000 Points

  • Spending requirement: 5,000/3mths.
  • Annual fee: $175 (waived for the first year).

AMEX Gold Ameriprise 25,000 MR Points

best credit cards for miles american express ameriprise

  • Spending requirement: 1,000/3mths.
  • Annual fee: $160 (waived for the first year).

Chase Ultimate Rewards Cards

Chase Sapphire Reserve 50,000 UR Points 

best credit cards for miles chase sapphire reserve

  • Spending requirement: $4,000/3mths.
  • Annual fee: $450.
  • Tons of fantastic benefits.
  • Transfer points to several airlines and hotels.

Chase Sapphire Preferred 50,000 to 80,000 UR Points  

best credit cards for miles chase sapphire preferred

  • Spending requirement: 4,000/3mths for 50,000 points and $16,000 more within the first 12 months for additional 30,000 points.
  • Annual fee: Waived for the 1st year.
  • Transfer points to several airlines and hotels

Chase Sapphire Reserve 50,000 UR Points 

best credit cards for miles chase business preferred ink

  • Spending requirement: 5,000/3mths.
  • Annual fee: $95 not waived.
  • Transfer points to several airlines and hotels.

Chase Business Preferred 80,000 UR Points (on the left)

best credit cards for miles chase business preferred ink

  • Spending requirement: 5,000/3mths.
  • Annual fee: $95 not waived.
  • Transfer points to several airlines and hotels.

Chase Ink Business Cash $500/50,000 Points

  • Spend requirement: $3,000/3mths.
  • No annual fee.
  • Can transfer to airlines and hotels if you have a premium UR card
  • Can transfer to airlines and hotels if you have a premium UR card

Chase Ink Unlimited $500/50,000 points

  • Spending requirement: $3,000/3mths.
  • 1.5X on everything
  • No annual fee.
  • Can transfer to airlines and hotels if you have a premium UR card

Citi ThankYou Cards

Citi ThankYou Premier Card 50,000 Points Offer

(the 50,000-point offer is over: I would wait for the next one)

best credit cards for miles citi thankyou premier

  • Spending requirement: 3,000/3mths.
  • Annual fee: Waived for the 1st year, $95 thereafter.

Citi ThankYou Prestige Card 75,000 Points Offer

  • Spending requirement: 7,500/3mths.
  • Annual fee: $450, not waived.
  • Too many goodies to list.

Barclays

Barclays Arrival + New 60,000 Points Offer

  • Spending requirement: 5,000/3mths.
  • Annual fee: $89, not waived.
  • Earn 2X on all purchases.

US BANK

U.S. Bank FlexPerks® Travel Rewards Visa Card 25,000 points

Wait for the next Olympic Games.

  • Spending requirement: $2,000 in first 4 months.
  • Annual fee: $49 (waived first year).
  • You would have earned 7,450 Bonus FlexPoints during the Olympic Winter Games Sochi 2014 in addition to the 25,000-point bonus
  • More goodies

US Bank FlexPerks Gold 30,000 Points

Pick the card in the middle. You can redeem 30,000 points for a flight up to $450.

best credit cards for miles us bank flex perks gold

  • Spending requirement: $2,000 in first 4 months.
  • Annual fee: $85 (Not waived).

US Bank Altitude Reserve 50,000 Points

You can apply online only if you’ve had a prior relationship with US Bank for at least 35 days. Otherwise, apply in the branch.

best credit cards for miles us bank altitude reserve

  • Redeemable for up to $750 in travel purchases.
  • Spending requirement: $2,000 in first 4 months.
  • Annual fee: $400 (Not waived).
  • Lots of other goodies

UBS Visa Infinite 50,000 Points (must call: 888-762-1232)

UBS Visa Infinite

  • 50,000 miles (good for up to a $900 flight ) after spending $3,000 in first 3 months.
  • $495 annual fee.
  • Lots of other goodies.

Wells Fargo Business Platinum Credit Card $500

Must be a banking customer for 12 months prior or read this DOC post on maximizing Wells Fargo bonuses

  • $500 miles after spending $5,000 in first 3 months.
  • No annual fee.

Credit Card Rules (please read carefully before applying for any card)

CHASE

You can’t get most Chase cards if you have received more than 4 cards from any issuers within the last 2 years (that’s including AU cards, although you might be able to remove AU cards from your credit report or during the reconsideration call). Notable exceptions:

  • British Airways
  • Marriott Business
  • Ritz Carlton
  • IHG
  • Hyatt

You can still apply for these cards even if you’re 5/24 or more. Most business cards don’t count, even Chase’s own business cards.

AMERICAN EXPRESS

You can’t get a sign-up bonus for the same card if you have received it in the past. Exceptions:

  • Targeted offers that don’t carry this policy language.
  • There is some leeway about products that are “same/different.” For example, I’ve gotten the bonuses from the regular Platinum and Platinum for Mercedes Benz cards.
  • A lot of time has passed. Some suggest 4-7 years.

There are suggestions that AMEX won’t allow you to have more than 4-5 credit cards at the same time (charge cards don’t count). I know I’ve had 6 AMEX credit cards at the same time, but it doesn’t mean that this datapoint is not accurate. YMMV.

Another datapoint indicates that you can’t get more than 2 credit cards in 90 days (again, charge cards don’t count). I can report that I have applied and received up to 4 credit cards in 3 months — although, once again, you might want to stay within the suggested parameters.

CITI

You can’t get a sign-up bonus for the card from the same “family” if you’ve opened or closed the card within the last 24 months. For example, you can’t get the bonus for the Premier card if you’ve had the Prestige card, and you can’t get a bonus for the Executive AAdvantage card, if you’ve opened or closed the regular AAdvantage card within the last 24 months. Exceptions:

  • Occasional public and targeted offers that don’t have this policy language.

You can open 2 Citi cards within 60 days and one business Citi card within 90 days. Add 2-3 days to this count to be on the safe side.

BANK OF AMERICA

  • You can get 2 BoA cards within 60 days
  • 3 cards within 12 months
  • 4 cards within 24 months

Business cards don’t count (supposedly).

BARCLAYS

There are conflicting reports regarding Barclays. Sometimes, they deny applications following 6/24 rules almost like Chase. But there are many reports contradicting these data points. In general, Barclays doesn’t like too many inquiries in the last 2 years and they don’t like it when you put their cards in a sock after getting the bonus. Keep it in mind if you are preparing to apply for a Barclays card.

CAPITAL ONE

You can get one card only (personal or business) within 6 months.

US BANK

It used to help when you froze the reports from 2 minor CRAs: Sage Stream and ARS before applying for a US Bank card. Not the case anymore, so don’t. Other than that, they don’t like too many recent inquiries, and they can shut down all your accounts if they determine (in their sole discretion, of course) that you’re abusing the program. Meaning — be very, very, very careful buying gift cards with a US Bank card.

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