Choosing a hotel rewards program

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swipe_masta
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Choosing a hotel rewards program

Postby swipe_masta » Wed May 22, 2013 1:57 pm

I'm looking for a hotel brand specific rewards card. Anyone have any thoughts? Which hotel chain do you prefer while traveling?

Chase Marriott
Citi HHonors
Amex HHonors (AF)
Amex HHonors (NAF)

I'm sure I'm forgetting a few but they kinda stood out to me. Pros/cons? I'm thinking Amex HHonors... Thanks!


Tigerinroc
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Postby Tigerinroc » Wed May 22, 2013 2:01 pm

I am a Marriott fan.
Groceries:AMEX Blue Cash Preferred 6%, 20K
AMEX Blue Everyday 3%, 20K
Restaurant: US Bank Cash Plus 5% (Rotating), 14K
Chase Amazon.com Rewards 2%, 5.8K
Gas: PenFed Cash Reward, 16k
BOA Platinum Visa Reward 5% (Rotating), $10K
Discover IT 5% (Rotating), 6.7K
Hotel: Chase Marriott Premium Rewards, 21K
Everything Else: BOA Travel Rewards 1.5%, 15K
Just to earn $100/year: BOA Better Balance, 10K

cashback
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Postby cashback » Wed May 22, 2013 2:12 pm

Id reccomend the Amex SPG. If youre not interested in that, go with Marriot. HHonors points are almost worthless.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

sfonyc
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Postby sfonyc » Wed May 22, 2013 6:00 pm

If you're strictly earning via credit card spend, probably best off with SPG. But why not apply also for the Marriott cards and Chase Sapphire Preferred (points xfer to Hyatt and Marriott) just to get the bonuses.

swipe_masta
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Postby swipe_masta » Thu May 23, 2013 12:04 am

Cash, what makes you say that? They give a pretty hefty amount of points/dollar and their redemption seems pretty reasonable. Am I missing info?

cashback
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Postby cashback » Thu May 23, 2013 7:32 am

Google "HHonors devaluation" and read about it. I know before the devaluation, HHonors points were valued at about a half cent each and rooms were about 40K per night. You cant just look at how many points a card gives you. Its far more important to consider how much each point is worth.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

benhollberg
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Postby benhollberg » Thu May 23, 2013 9:34 am

I have the Chase Marriott Premier card strictly for this reason, Amex doesn't have a good hotel program unless you go with a Amex hotel branded card, also I needed a good Visa for those who won't take Amex. The Chase Marriott is $85 annual fee but comes with a free night at sign up and renewal every year, which pays for itself really. I don't really use this card at all except for places that don't take Amex and Marriott. Also, it's a metal card.
American Express Platinum Card
American Express TrueEarnings Card from Costco
Marriott Rewards Premier Visa Signature Card
Chase Sapphire Preferred World MasterCard
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swipe_masta
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Postby swipe_masta » Thu May 23, 2013 11:10 pm

cashback wrote:Google "HHonors devaluation" and read about it. I know before the devaluation, HHonors points were valued at about a half cent each and rooms were about 40K per night. You cant just look at how many points a card gives you. Its far more important to consider how much each point is worth.


Trust me, I know how to get my money's worth! But I'm not understanding what you're talking about exactly... On the HHonors website it says I can get a night's stay for as little as 5,000 points (for standard room) the sign up bonus of 40,000 points alone is a great deal isn't it? I don't need a fancy luxury suite, just a standard room is fine. If this is the case, I would only have to spend a min of $,1000 for gas/groceries/restaurant (5pts/dollar) to get a free night's stay. My average expenses a month is $3,500+.

rockyrock
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Postby rockyrock » Fri May 24, 2013 1:45 am

swipe_masta wrote:Trust me, I know how to get my money's worth! But I'm not understanding what you're talking about exactly... On the HHonors website it says I can get a night's stay for as little as 5,000 points (for standard room) the sign up bonus of 40,000 points alone is a great deal isn't it? I don't need a fancy luxury suite, just a standard room is fine. If this is the case, I would only have to spend a min of $,1000 for gas/groceries/restaurant (5pts/dollar) to get a free night's stay. My average expenses a month is $3,500+.


Try and find a hotel in the Hilton family for $5k. Let me know what (and where) you come up with.
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC

rockyrock
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Postby rockyrock » Fri May 24, 2013 2:18 am

swipe_masta wrote:I'm looking for a hotel brand specific rewards card. Anyone have any thoughts? Which hotel chain do you prefer while traveling?

Chase Marriott
Citi HHonors
Amex HHonors (AF)
Amex HHonors (NAF)

I'm sure I'm forgetting a few but they kinda stood out to me. Pros/cons? I'm thinking Amex HHonors... Thanks!


I've had the Marriott Premier Visa for years and I've been Marriott Gold for a few years as well. Prior to that I was Hilton Diamond but didn't have a Hilton Co-branded card. I've no experience with Starwood anything but the more I look the more I like, it's not enough to pull me away from Marriott--yet.

I much prefer Hilton properties over Marriott’s but Hilton lost me b/c even as a Diamond member they didn't value me as a customer. The split happened in 2010 and I'm glad I used up all my points before the devaluation. Marriott has always taken care of me even though I am only a Gold member. In the end good customer service will always win out for me.

As far as the co-branded cards go, unless you are using them for actual hotel stays you would be hard pressed to get the real value out of them. I would seriously consider something along the lines of a Sapphire.

My experiences. YMMV
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC



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