If you are a regular customer of a hotel chain, it is a good idea to take a look at their hotel credit cards. Most of the larger hotel chains offer at least one, and some of them offer multiple card options.
The advantage of this type of card is that it is easy to get what you pay for. The advantages of best hotel credit cards generally more than offset the costs. And if you want to avoid the costs altogether, there are hotels that offer no annual fee credit cards.
To see how valuable hotel cards can be, we’ll take a look at how they help you spend less and have a better travel experience.
1. Free night certificates
As the name suggests, a free night certificate entitles you to one free night with this hotel. The rules vary a bit – for example, some certificates are only valid on weekends, while others work any day of the week.
Many resort credit cards with annual fees offer free night certificates, including the more affordable cards with fees of $ 90 to $ 100. They usually offer one certificate per year, and with some cards you can earn another free night if you spend enough.
This is one of the most valuable benefits of hotel cards. A free night certificate can save you a lot more money than you spend on your annual card fee. If the card costs $ 95 per year and has a free night certificate that you use for a $ 250 room, you’ve already earned over $ 150 from that perk alone.
2. Elite status in the hotel loyalty program
Hotels like to reward their most frequent customers, and they do this through status levels in their loyalty programs. Customers who accumulate enough stays or spend in a hotel chain move up to the next tier. Each level includes benefits, such as:
- Bonus hotel rewards on your reservations
- Free breakfast
- Room upgrades
- Early arrival and late departure
- Faster internet
For the typical traveler, it can be difficult to achieve the higher status levels of a hotel. But resort credit cards often include it as a free benefit, so you don’t have to spend thousands or book a stay every month to earn elite status.
3. Rewards you can use for free nights
Hotel loyalty programs allow you to earn points that you can redeem for free nights. You don’t need a resort credit card to earn points, but having one helps you earn them much faster.
A hotel card allows you to earn more points in several ways. Almost all hotel cards have sign up bonus for new cardholders. For example, a card can reward you with 100,000 bonus points if you spend $ 3,000 in the first three months. Such offers can earn you many rewards in a short period of time.
With a resort credit card, you also earn points on your purchases. Additionally, most cards add bonus points in certain expense categories, such as hotel expenses, airline tickets, or meals. In some cases, you can collect thousands of points per month by use your credit card regularly.
4. Spend credits
If you’re open to a luxury resort card with a higher annual fee, there’s a good chance you’ll find one that offers spending credits. An expense credit automatically pays for certain types of purchases, up to a certain amount. Some cards offer spending credits that apply to all purchases made at the hotel. Others have property credits that cover certain expenses at the hotel, such as spa or dining purchases.
Spending credits often makes it seem expensive credit card a better deal. Let’s say you compare two hotel cards. One costs $ 95, while the other costs $ 450 but has more benefits, including $ 400 in annual spending credits. Assuming you use those credits, the more expensive card actually only costs you $ 50 per year.
5. No charges on international purchases
Hotel cards are considered travel credit cards, and most do not charge overseas transaction fees. Many other credit cards add 3% to purchases made outside of the United States.
If you are traveling abroad, it is important to have a card with no foreign transaction fees. Otherwise, you spend more for no reason. Even if you don’t leave the country often, this type of card is good to have, just in case.
Considering all of their features, hotel cards may be chargeable even if you only book stays once or twice a year. And if you visit hotels more often than that, a hotel card will save you money for sure. Just take a look at the cards offered by the hotel chain of your choice and choose one with the perks you like.
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