Chase

Which Hotel Credit Card Offers The Best Annual Free Night Perk?

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There are many reasons to consider picking up a credit card, including a great sign-up bonus, a lucrative return on everyday spend, and also valuable ongoing perks. Hotel credit cards are among the best when it comes to offering perks just for holding onto cards and paying the annual fee. There are even three hotel credit cards that offer an annual free night certificate just for paying your annual fee every year. There’s no spend requirement, and a vast majority of people should be able to get outsized value out of this perk.

In this post I wanted to look at the three credit cards that offer an annual free night certificate each year without any sort of spend requirement, and compare them.

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10 Best Credit Card Offers For April

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Every month I make a post with what I consider to be the best credit card sign-up bonuses of the month.

While there are several excellent long standing credit card offers, the specifics of the best offers are constantly changing (be it the annual fee, minimum spend requirement, or even amount of the sign-up bonus).

If you read my blog on a daily basis then by all means skip this post, but for me it’s a useful, “current” place to refer people who ask about which cards they should sign-up for, a question I get on a daily basis.

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The 4 Personal Travel Credit Cards NOT Subjected To The 5/24 Rule

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Last year Chase expanded what’s commonly referred to as the “5/24 rule.” I’ve received quite a few requests from readers asking for an updated list of which cards aren’t subjected to this rule, so that’s what this post is about.

With Chase’s 5/24 policy, you typically won’t be approved for a card if you’ve opened more than five new accounts in the past 24 months. This is more of a general guideline than a strict rule, though. Here’s what you should know about 5/24:

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6 Reasons To Get The Sapphire Preferred Over The Sapphire Reserve

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For years the Chase Sapphire Preferred® Card has been one of the most popular rewards credit cards out there. The card is incredibly well rounded, as it offers double points on dining and travel, great travel protection, and the ability to transfer points to a bunch of valuable transfer partners.

However, there’s no denying that over the past several months the Chase Sapphire Reserve℠ Card has been stealing the spotlight, given that it was just introduced last August. The card is fantastically rewarding, as it offers triple points on dining and travel, a $300 annual travel credit, a Priority Pass membership, etc. The card has apparently outperformed Chase’s expectations by a long shot.

While most people lately seem to be signing up for the Sapphire Reserve, in this post I wanted to look at six reasons you might want to consider the Sapphire Preferred instead (again, I’m not suggesting one is better than the other, just encouraging some thought on the topic, given the recent popularity of the Sapphire Reserve):

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Review: The Hyatt Credit Card

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There are lots of reasons to apply for credit cards. Some are worth getting for their great sign-up bonuses, others are worth getting for the return they offer on everyday spend, and others are worth getting for the great long term perks they offer. Some cards even excel in a couple or all of those categories.

One of the all around best hotel credit cards is The Hyatt Credit Card, which is a card I’ve had had for years, and highly recommend. In this post I wanted to look at some of the benefits of the card in more details.

The Hyatt Credit Card offers a fantastic sign-up bonus, as follows:

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Great Deal: Sign-Up Bonus Of Up To 100K Avios With The British Airways Card

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For a limited time, the British Airways Visa Signature® Card is offering an increased sign-up bonus, allowing you to earn up to 100,000 bonus Avios. The bonus can be earned after the following spend thresholds:

— 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening
— 25,000 additional bonus Avios after you spend $10,000 total on purchases within your first year from account opening
— 25,000 additional bonus Avios after you spend $20,000 total on purchases within your first year from account opening

The sign-up bonus on this card isn’t available to those who currently have the card, as well as previous cardmembers who received a new cardmember bonus for the credit card within the last 24 months.

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6 Reasons To Apply For The Marriott Rewards Premier Credit Card

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As I first wrote about a couple of weeks ago, the Marriott Rewards® Premier Credit Card has a best ever sign-up bonus at the moment, that can potentially earn you more than 100,000 points.

In this post I wanted to look at six reasons you should consider applying for this card. In no particular order:

With this sign-up bonus you can earn:

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Approved For The IHG Credit Card… At Last

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I consider the IHG® Rewards Club Select Credit Card to be the single most well rounded hotel credit card out there. The card has only a $49 annual fee (which is even waived the first year), and offers the following:

— An anniversary free night certificate every year, which is valid at any IHG property worldwide, pending availability; given IHG’s global footprint, that should justify the card for just about anyone
— IHG Rewards Club Platinum status for as long as you have the card, which gets you bonus points, room upgrades, etc.
— A 10% rebate on points redemptions, for up to 100,000 points back each year

To me, the annual free night certificate is hugely valuable. It gets you a free night at any IHG hotel in the world, and best of all, you only have to book by the expiration date, though can stay on a subsequent date. This is the only hotel credit card that gives you a free night annually with no “caps” on the category of hotel you can redeem at.

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You Can Now Earn 5x Points At Grocery Stores And Drugstores

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The Chase Freedom is one of my favorite no annual fee credit cards, as it offers 5x points in rotating quarterly categories, for up to $1,500 of spend per quarter. Most people use this as a cashback card, meaning the 5x points really translates into 5% cashback in these categories.

The best part is that in conjunction with cards like the Chase Sapphire Preferred® Card or Ink Business Preferred℠ Credit Card, points earned on this card can be converted into Ultimate Rewards points, and be transferred to the Ultimate Rewards airline and hotel partners. Since I value one Ultimate Rewards point at significantly more than one cent, that’s my preferred use of those points.

For the first quarter (up until yesterday), Chase was offering 5x points on gas stations and local commuter transportation purchases.

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6 Reasons To Apply For The SPG Card Over The Marriott Card

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At the moment we’re seeing limited time increased sign-up bonuses on three Marriott and Starwood credit cards, with the opportunity to potentially earn up to 317,500 bonus Marriott Rewards points if you apply for all three cards. The basic details of these offers are as follows:

— The Starwood Preferred Guest® Credit Card from American Express is offering 25,000 Starpoints after spending $3,000 within three months, plus an additional 10,000 Starpoints after spending another $2,000 within six months; $0 introductory annual fee for the first year, then $95
— The Starwood Preferred Guest® Business Credit Card from American Express is offering 25,000 Starpoints after spending $5,000 within three months, plus an additional 10,000 Starpoints after spending another $3,000 within six months; $0 introductory annual fee for the first year, then $95
— The Marriott Rewards® Premier Credit Card is offering 100,000 Marriott Rewards bonus points after spending $5,000 within three months, plus an additional 7,500 Marriott Rewards points after adding an authorized user and having them make a purchase within three months; $85 annual fee

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Ranking Limited Time Hotel Credit Card Sign-Up Bonuses

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At the moment we’re seeing more increased hotel credit card sign-up bonuses than I recall seeing at any point in the past. Given that these offers are limited time, I wanted to use this post to rank the offers based on the sign-up bonuses alone. Which cards offer the biggest sign-up bonuses, based on my valuation of points, and taking into account the annual fees the first year?

Here they are ranked, based on my valuations:

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10 Best Credit Card Offers For March

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Every month I make a post with what I consider to be the best credit card sign-up bonuses of the month.

While there are several excellent long standing credit card offers, the specifics of the best offers are constantly changing (be it the annual fee, minimum spend requirement, or even amount of the sign-up bonus).

If you read my blog on a daily basis then by all means skip this post, but for me it’s a useful, “current” place to refer people who ask about which cards they should sign-up for, a question I get on a daily basis.

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How Long Do Chase Ultimate Rewards Points Transfers Take?

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If you’re collecting miles & points through credit card spend, I always recommend doing what you can to accrue transferrable points currencies. That’s because these points are much more flexible than when you’re earning an individual airline or hotel points currency. You have the flexibility to transfer these points to all kinds of travel partners, and you’re safeguarded from a devaluation in a specific points currency.

With that in mind, I’m writing a series about the three major transferrable points currencies — Amex Membership Rewards, Chase Ultimate Rewards, and Citi ThankYou — talking about how long it takes to transfer points, along with the other basic details you need to know about transferring points. Yesterday I wrote about Amex Membership Rewards, so today I’m writing about Chase Ultimate Rewards.

How many airline and hotel partners does Chase Ultimate Rewards have?

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Does The Freedom Or Freedom Unlimited Offer A Better Incremental Return?

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Reader Rohit asked a question in the Ask Lucky forum about whether he should apply for the Chase Freedom® Card or Chase Freedom® Unlimited.

The premise is that he has the Chase Sapphire Preferred® Card, and wants to apply for one of those no annual fee cards, given that they’re great complements to the Sapphire Preferred. Which is worth more — 5x points in select categories on the Freedom Card, or 1.5x points across the board on the Freedom Unlimited Card?

Ultimately there’s no “one size fits all” answer, as it all depends on your spend pattern. So the best I can do is to provide a general outline by which you can decide.

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