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Hotel Points


Travelers, whether for business or pleasure, always love a good deal. Hotel points credit cards give you the option to reward yourself for all the traveling you have to do. After all, if you have to travel, why not take advantage of the few extra perks offered by a variety of hotel points credit cards. Hotel points cards are designed to help you accumulate points that can be translated into free night stays. The more points you accumulate, the more nights you get to stay for free. In addition, many hotel points credit cards also offer the option of upgrades – all for free, using the points you’ve accumulated from your travels.

Types of Hotel Points Credit Cards

A number of banking institutions across the country offer hotel points credit cards including those from:

Chase Marriott Rewards Premier Visa Signature
• Chase – Chase Disney Premier Visa
American Express -American Express Starwood Preferred Guest Business credit card.

Whether you’re a business traveler or you just love to travel, take advantage of hotel points credit cards to earn special privileges during your hotel stay, room discounts, upgrades, and best of all, free nights at hotels that belong to some of the most luxurious hotel chains around the world.


In addition to the benefits of earning points for free night stays associated with the hotel brand promoting such cards are a variety of other benefits that include but are not limited to:

• Car rental loss and damage insurance
• Travel accident insurance
• Concierge services (depending on which card you have)
• Lost luggage reimbursement
• Emergency cash disbursement

Additional benefits associated with hotel points credit cards include but is not limited to:

• Complimentary breakfasts for two
• Early check-in or late checkout
• Spa credits
• Hotel restaurant credits

So if you have to travel, why not take advantage? Frequent travelers want to take advantage of luxury hotel perks, while occasional travelers are looking for something simple, clean, and comfortable. Hotel points credit cards are out there to help your stay offer a little more comfort – sometimes for free.

Annual Percentage Rates and Fees

Percentage rates and fees differ between cards so always check the fine print when choosing a hotel rewards card. For example, the Chase Disney Premier Visa card comes with a 0% APR for the first year, while the Chase Marriott ranges 15.24% to 19.24%, based on your credit history and creditworthiness. Check out the difference in interest rates and all fees associated with hotel points credit cards to make sure you’re choosing the one that offers not only the most perks, but the lowest annual rates and fees.

When it comes to choosing the best hotel points credit cards for your needs, do the comparisons, determine which hotel brand or properties you prefer, and then go from there. Hotel points credit cards are not geared to those who don’t travel frequently, or take a family vacation at least once a year. However, if you do travel for business or pleasure, it pays to take advantage of free nights and a special perks that hotel points credit cards offer. You’re doing it anyway, so you might as well get rewarded for it.

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