La Quinta credit card VS. general travel card? Any reviews?

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La Quinta credit card VS. general travel card? Any reviews?

Postby garands » Wed Jun 05, 2013 2:25 pm

I don't travel much for work but the last few times I have, I ended up staying at La Quinta hotels. How it works with my employer is that I charge my travel expenses to my personal credit card and then submit the receipts at the end of the month for reimbursement.

Some people say it's wrong to earn rewards on your employer's dime but honestly, is it fair for me to wait up to 50 or 60 days after an expense until I get reimbursed? I think that is more in the camp of being wrong so I'm not going to feel guilty about earning rewards and keeping them for myself.

That rant out of the way, do you guys think the La Quinta credit card would be worth getting I only stay at their hotel maybe once every 2 months, say 6x per year. OR would I be better off with a general travel card like Sapphire Preferred, Cap One Venture, etc.

Here's my review of the La Quinta Returns Visa card, correct me if I am wrong/missing vital info.

  • 5x points at La Quinta. Application says 17x points at their hotels but that's not entirely accurate because only 5 of those come from the credit card. The rest are separate (10x thru La Quinta membership and 5x thru La Quinta Gold Status).
  • 2x points on gas, dining, car rentals.
  • 1x points spent elsewhere.
  • Bonus[/B] says 40,000 points but that's misleading because only 20,000 are given after first purchase. The other 20,000 require spending $10,000 in the first 12 months.
  • Benefits are automatic gold status and no annual fee
The answer to this question I suppose boils down to how much are La Quinta points worth when redeeming?

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Postby CCG » Wed Jun 05, 2013 9:50 pm

I'm not familiar with La Quinta's point value, perhaps others here more knowledgeable about their program will chime in.

Personally I prefer a non-branded travel rewards card so I'm not tied down with only one airline or hotel card. Here are my two favorite.

With this one the miles can be redeemed for any travel purchase, including hotel stays, at a value of 1 mile = 1 cent towards your travel purchase. That effectively means it's earning 2% in travel rewards on every dollar spent on purchases.
The Sapphire Preferred has the best signup bonus, but it only gives 1 point per dollar outside of the categories. Depending on how you redeem, it's likely the value you realize per point will be close to 1-1.25 cents each.

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Postby rockyrock » Thu Jun 06, 2013 2:47 am

Don't feel bad about collecting rewards from business travel, especially if you pay out of pocket initially. If they cared they would give you a corporate card and require you to use it for all your travel.

Unless you plan to stay at La Quinta for vacation travel or they offer great conversion rates on their points I would consider another card that offers higher rewards for travel related charges like the CSP, PRG, etc.

No AF is nice and if the Gold status adds value to your stay (free breakfast, free Internet, etc.) in the form of things your employer doesn't pay for that may make a difference too.

At the end of the day what you can do with the points will probably decide.

Good luck!
Sapphire Reserve: travel & dining
Blue Cash Preferred: groceries & gas
Freedom: 5% cats
Double Cash: everything else

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