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The 10 Best Chicago Hotels to Book With Points [for Max Value]

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Michael McHugh

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The Windy City is a summertime destination that is hard to resist. From June to August, it is simply hard to beat walking around downtown Chicago or cruising around the lake with the sun shining.

Chicago is known for its beautiful downtown architecture, museums, green spaces in Millennium Park, pro sports with the Bears, Blackhawks, Bulls, and Cubs, upscale shopping along the Magnificent Mile, award-winning restaurants, and the comedy scene at Second City.

As we covered in our guides to the best hotels in New York City and Washington, D.C., Chicago has a ton of points hotel possibilities. We will touch on all of your options, but most importantly we will show you how to receive the most value.

42 Chicago hotels were evaluated across the 4 major hotel brands of Hilton, Hyatt, IHG, and Marriott for this article. The hotels were ranked using a cents per point value with the goal to show you the types of value you can receive.

With this analysis, we’re using our hotel cents per point value as the benchmark to show you the value you can receive, but it’s also important to consider what value we assign to each program’s points.

Best Value Chicago Hotels

With our goals and methodology for this hotel evaluation in mind, let’s highlight the best hotels that you can book with points in Chicago.

Hotel Lincoln (World of Hyatt)

Hotel Lincoln Hyatt
Spend time at Hotel Lincoln, a boutique hotel in Chicago. Image Credit: Hyatt

When Hyatt acquired Joie de Vivre (now JdV by Hyatt), the brand picked up several boutique properties in cities throughout the U.S., including Baltimore, New York City, and San Francisco. The Lincoln is one of these properties and dates back to the 1920s. Amenities available to guests include a gym, a farm-to-table restaurant, a rooftop lounge, bike rentals, pedicabs, rooftop yoga classes, and a wine hour.

During peak travel dates, this hotel averages more than $400 per night. However, Hotel Lincoln only requires 12,000 points per night. This results in a cents per point value of 3.5.

Hot Tip:  A guest amenity fee of $15 will apply to each night of your stay. The amenity fee includes 1 drink per stay, seasonal bike rentals, and pedicab tours, and discounted daily passes to the Equinox gym. 

Category: 3

Hyatt Points Required: 12,000

June-August Rate: $415

Points Value: 3.5 cents per point

Hyatt Place Chicago/Downtown-The Loop (World of Hyatt)

Hyatt Place ChicagoDowntown The Loop Exterior
Who said a Hyatt Place property can’t provide a ton of value? Hyatt Place Chicago/Downtown-The Loop. Image Credit: Hyatt

Located a short walk from Millennium Park is where you will find Hyatt Place Chicago/Downtown-The Loop. Inside this category 4 hotel, you will find a bar/cafe, an indoor pool, and a gym.

The Hyatt Place Chicago/Downtown-The Loop requires 15,000 points or averages $402 per night. Guests can expect to receive 2.7 cents per point during peak travel dates.

Category: 4

Hyatt Points Required: 15,000

June-August Rate: $402

Points Value: 2.7 cents per point

Chicago Athletic Association (World of Hyatt)

Chicago Athletic Association Bar
Find old school luxury at the Chicago Athletic Association. Image Credit: Hyatt

The Unbound Collection, of which the Chicago Athletic Association is a property, has a solid line up of U.S. hotels including properties in Austin, Carmel, Miami, Nashville, New Orleans, and Philadelphia.

This Chicago Athletic Association was once an exclusive sportsmen’s club and now features a rooftop restaurant, a speakeasy-style bar, a game room, and a gym.

Hot Tip: The Chicago Athletic Association charges guests a $25 nightly Founder’s Fee. This fee includes a welcome champagne toast in the Cherry Circle Room, expedited entry to the rooftop restaurant, seasonal bike rentals, and access to the only Shake Shack in-room dining service in the world. 

Category: 5

Hyatt Points Required: 17,000 to 23,000

June-August Rate: $388

Points Value: 2.28 cents per point

Hotel Zachary, Chicago, a Tribute Portfolio Hotel (Marriott Bonvoy)

Hotel Zachary Chicago a Tribute Portfolio Hotel Bar View
Redeem Marriott points for value at Hotel Zachary. Image Credit: Marriott

Just a short walk from Wrigley Field baseball park, Hotel Zachary is a boutique hotel in the Lakeview neighborhood. Amenities available to hotel guests include a gym and a bar with an all-day menu.

Hotel Zachary averages nearly $529 per night during peak travel dates. Hotel guests can expect to receive right at 1.5 cents per night when 35,000 points per night are a minimum of what you will need to book an award stay.

Marriott Points Required: From 35,000

June-August Rate: $529

Points Value: 1.5 cents per point

The Robey, Chicago, a Member of Design Hotels™ (Marriott Bonvoy)

The Robey Chicago a Member of Design Hotels Outdoor Pool View
Experience a boutique hotel stay at The Robey Chicago. Image Credit: Marriott

The Robey is a Design Hotels property located in a 1920s building offering guests a boutique hotel experience. Amenities include an American/French restaurant, a lounge, a rooftop terrace with a bar, and an outdoor pool.

You can book this hotel starting at 35,000 points per night or pay just under $429 per night. This means that your Marriott points will be worth 1.2 cents per point.

Marriott Points Required: From 35,000

June-August Rate: $429

Points Value: 1.2 cents per point

The Gwen, a Luxury Collection Hotel, Michigan Avenue Chicago (Marriott Bonvoy)

The Gwen a Luxury Collection Hotel Michigan Avenue Chicago Exterior View
The Gwen is a Luxury Collection Hotel that can be booked with Marriott points. Image Credit: Marriott

Travelers looking to stay in a Luxury Collection Hotel should check out The Gwen. As a hotel guest, you’ll have access to an American restaurant, a terrace bar, a gym, and a lounge.

1.2 cents per point is the value that you can expect to receive as a guest during peak travel dates. Cash rates hover around $423 per night during this time while a minimum of 35,000 points per night are what you will need to book an award stay.

Marriott Points Required: From 35,000

June-August Rate: $351

Points Value: 2.3 cents per point

Kimpton Hotel Monaco Chicago (IHG One Rewards)

Kimpton Hotel Monaco Chicago Bedroom View
Kimpton Hotel Monaco is another IHG Chicago property that you can book with points. Image Credit: IHG

Located inside a converted early 1900s hat factory, Kimpton Hotel Monaco is an IHG hotel that provides a boutique experience. Guests have access to evening wine, loaner bikes, a restaurant, and a gym.

Starting at 37,500 points per night, the Kimpton Hotel Monaco cash rates are not cheap as they average $434 per night. This means that your IHG points will be worth 0.9 cents per point during peak travel dates.

IHG Points Required: 37,500-50,000

June-August Rate: $434

Points Value: 0.9-1.1 cents per point

InterContinental Chicago Magnificent Mile (IHG One Rewards)

InterContinental Chicago Magnificent Mile
The InterContinental Chicago Magnificent Mile is a historic, grand property you can redeem points at. Image Credit: IHG

The InterContinental Chicago Magnificent Mile is an iconic IHG property that dates all the way back to 1929.

Located just a short walk from Millennium Park and the lakefront Chicago Shakespeare Theater, this property has a fine-dining steakhouse by basketball legend Michael Jordan, a wine bar, a Starbucks coffee shop, and a breakfast restaurant, as well as an indoor pool, a spa, and a gym.

IHG Points Required: 35,000-50,000

June-August Rate: $300-$525

Points Value: 0.8-1.1 cents per point

Waldorf Astoria Chicago (Hilton Honors)

Waldorf Astoria Chicago Exterior View
Find value with your Hilton points at the Waldorf Astoria Chicago. Image Credit: Hilton

Travelers wanting to book a stay near downtown Chicago should consider the Waldorf Astoria Chicago. Amenities available to guests include a European bistro, a cocktail bar, a spa, a gym, and a lap pool.

95,000 points per night are the number of points you will need to book an award night at this property. Peak travel dates require $608 per night resulting in a cents per point value of 0.6.

Hilton Points Required: 95,000

June-August Rate: $608

Points Value: 0.6 cents per point

Hilton Chicago (Hilton Honors)

Hilton Chicago Exterior View
Redeem points for a stay at the Hilton Chicago. Image Credit: Hilton

Flanking Grant Park is the Hilton Chicago. If you stay at this hotel, you’ll have access to an Irish pub, a bar and grill restaurant, a coffee shop, a gym, and an indoor pool.

The Hilton Chicago can be booked for $317 per night or with 50,000 points per night. This means that guests can expect to receive 0.6 cents per point in value.

Hilton Points Required: 50,000-60,000

June-August Rate: $317

Points Value: 0.6 cents per point

Earn Hotel Points to Redeem in Chicago

After reading through our hotel list, the first thing that likely comes to mind is how to earn the points that you’ll need. The great news is that we have you covered to make any of these redemptions a reality. Let’s start with World of Hyatt and work our way through each of the hotel loyalty programs.

World of Hyatt

The World of Hyatt Credit Card

For any traveler, and especially the true road warriors, the $95 annual fee World of Hyatt card is a card to snag sooner rather than later.

Hyatt made several changes to this credit card in 2019 that it will implement in 2020, most of which are rewarding for current and potential cardmembers. The team at Hyatt had customers in mind with the card relaunch as the benefits and perks make this credit card one to keep year after year.

We are huge fans of the Hyatt Credit Card, but is this card one every traveler should apply for? What if you are not a road warrior or loyal to Hyatt? Does it make sense to be a cardmember? In our opinion, the answer is a resounding yes!

The World of Hyatt Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

Learn More(at Chase's secure site)
The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
Earn up to 60,000 Bonus Points. Earn 30,000 points after you spend $3,000 on purchases in your first 3 months. Plus, up to 30,000 more points by earning 2 Bonus Points total per $1 spent in the first 6 months on purchases that normally earn 1 Bonus Point, up to $15,000 spent.
Up to 60,000 points
$900
$95
20.99% - 27.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card

The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.

When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.

Pros & Cons
Pros
  • Up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
  • 1x point per $1 on all other purchases
Cons
    • $95 annual fee
Card Highlights
  • Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Member FDIC
Financial Snapshot
  • APR: 20.99% - 27.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

World of Hyatt

The Hyatt Credit Card offers a ton of upside, including the following benefits and perks:

  • Up to 9x points total at Hyatt — 4 Base Points per $1 on qualifying purchases at Hyatt plus up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 1 free night at a Category 1-4 property after your cardmember anniversary
  • 1 additional free night at a Category 1-4 property after spending $15,000 during your cardmember year
  • 5 elite night qualifying credits 
  • 2 additional elite night credits for every $5,000 spent on the card
  • Complimentary World of Hyatt Discoverist status for as long as your account is open

Unlike other hotel credit cards, the Hyatt Credit Card is one that makes sense to spend on throughout the year. The reason is that Hyatt awards cardmembers with 2 elite nights with every $5,000 spent on the card. For those of you wanting to earn top tier Globalist status, this elite night perk through spending goes a long way towards earning that status.

The last benefit we will cover is geared towards heavy spenders. For readers who can spend $15,000 on the card in a cardmember year, you will earn 1 additional Category 1-4 free night certificate. This certificate is in addition to the anniversary certificate that comes with the card. By spending $15,000 in a cardmember year, you will earn 2 Category 1-4 free night certificates, enough for a weekend trip!

Hot Tip: If you’re a small business owner, consider signing up for the World of Hyatt Business Credit Card, which offers big earning potential and an easier path to Globalist status. 

World of Hyatt Award Chart

SCROLL FOR MORE

World of Hyatt Award Chart

Hotel Category

Off-Peak Points Per Night

Standard Points Per Night

Peak
Points Per Night

1

3,500

5,000

6,500

2

6,500

8,000

9,500

3

9,000

12,000

15,000

4

12,000

15,000

18,000

5

17,000

20,000

23,000

6

21,000

25,000

29,000

7

25,000

30,000

35,000

8

35,000

40,000

45,000

Other Ways to Earn World of Hyatt Points

The most efficient way to earn Hyatt points is with the Hyatt Credit Card. As mentioned earlier, cardmembers will earn up to 9x points total at Hyatt — 4 Bonus Points per $1 on qualifying purchases at Hyatt, plus 5 Base Points per $1 from Hyatt as a World of Hyatt member.

One of the most valuable Chase Ultimate Rewards travel partners in the World of Hyatt program. When you earn Chase Ultimate Rewards points, these points can be transferred directly to Hyatt. Chase has no shortage of credit cards that earn Chase points, so you will be able to easily earn the Hyatt points that you need via Chase for Hyatt point transfers.

The Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and Ink Business Preferred® Credit Card are the 3 Chase credit cards that earn Chase points directly with your spend.

In addition to the Chase Ultimate Rewards credit cards, Chase also allows you to convert cash-back earned into Chase points if you also hold a Chase Ultimate Rewards card. The cash-back credit cards that we recommend are the Chase Freedom® card (no longer open to new applicants), Chase Freedom Flex℠, Chase Freedom Unlimited®, Ink Business Cash® Credit Card, and Ink Business Unlimited® Credit Card.

Marriott Bonvoy

Marriott Bonvoy Credit Cards

There are 4 co-branded credit cards offered by Marriott. Each is focused on a different type of traveler, which is great news! Let’s outline the cards that are at your disposal.

Marriott Bonvoy Bold® Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.

Learn More(at Chase's secure site)
A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.
Earn 60,000 Bonus Points plus 1 Free Night Award after you spend $2,000 on purchases in the first 3 months from account opening. Free Night valued at 50,000 points. Certain hotels have resort fees.
60,000 points + 1 Free Night Award
$770
$0
20.74% - 27.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card

Casual travelers who like to frequent properties that are part of the Marriott Bonvoy collection of brands may want to consider the Marriott Bonvoy Bold® Credit Card.

The Marriott Bold card rewards cardholders for Marriott stays and gives them a boost towards Marriott Bonvoy elite status.

Pros & Cons
Pros
  • Up to 14x points per $1 on Marriott purchases
  • 2x points at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services
  • 5 Elite Night Credits each year
Cons
  • Lower point earn rate than other Marriott Bonvoy cards
  • Marriott Bonvoy Silver Elite status is the lowest status tier
Card Highlights
  • Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
  • Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
  • Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
  • New! Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
  • 1X point for every $1 spent on all other purchases.
  • New! Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
  • No Foreign Transaction Fees.
  • Member FDIC
Financial Snapshot
  • APR: 20.74% - 27.74% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

Marriott Bonvoy Boundless® Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

Learn More(at Chase's secure site)
Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.
Earn 125,000 bonus points after spending $5,000 on purchases in your first 3 months from your account opening.
125,000 points
$875
$95
20.74% - 27.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card

If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.

Pros & Cons
Pros
  • Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
  • Earn big at grocery stores, gas stations, and dining
  • Automatic Silver Elite Status
Cons
  • $95 annual fee
  • Marriott Silver Elite Status is the lowest status tier
Card Highlights
  • Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
  • Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
  • Member FDIC
Financial Snapshot
  • APR: 20.74% - 27.74% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

Marriott Bonvoy Bevy™ American Express® CardTerms Apply / Rates & Fees
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.
Earn 85,000 Marriott Bonvoy bonus points after you spend $5,000 in purchases within the first 6 months of Card Membership.
85,000 points
$595
$250
20.24%-29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card

The Marriott Bonvoy Bevy™ American Express® Card, the latest mid-tier offering in the Marriott Bonvoy lineup of cards, offers cardholders automatic elite status and ways to earn more Marriott Bonvoy points on each of their stays and daily purchases.

Pros & Cons
Pros
  • 6x points per $1 at hotels participating in Marriott Bonvoy
  • 4x points per $1 at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases per calendar year, then 2x points)
  • 2x points per $1 on all other purchases
Cons
  • $250 annual fee (rates & fees)
  • Free Night Award certificate is not an automatic benefit
Card Highlights
  • Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
  • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
  • Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
  • Earn 2X points on all other eligible purchases with the Marriott Bonvoy Bevy™ Card.
  • Marriott Bonvoy 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
  • With complimentary Marriott Bonvoy Gold Elites status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit, available for Qualifying Rates.
  • Marriott Bonvoy Bevy Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a hotel participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • 15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card® you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Plan It® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
  • $250 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 20.24%-29.24% Variable
  • Foreign Transaction Fees: None
Marriott Bonvoy Brilliant® American Express® CardTerms Apply / Rates & Fees
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.
Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
95,000 points
$665
$650
20.24%-29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card

The Marriott Bonvoy Brilliant® American Express® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.

So is the card a worthwhile addition to your wallet?

Pros & Cons
Pros
  • 6x points per $1 at hotels participating in Marriott Bonvoy program
  • 3x points per $1 on flights booked directly with airlines and restaurants worldwide
  • 2x points per $1 on all other purchases
Cons
Card Highlights
  • Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
  • $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
  • With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
  • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
  • Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
  • $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
  • Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • No Foreign Transaction Fees on international purchases.
  • With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 20.24%-29.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

Marriott Bonvoy Award Chart

Marriott uses dynamic pricing for its hotels, which means the number of points you’ll pay will vary based on demand.

Other Ways to Earn Marriott Points

The easiest way to earn Marriott points is to put your spending on its credit cards. You can also pay for cash stays at Marriott where you’ll earn 10 points per $1 spent as a Marriott member and 10-75% bonus points depending upon your Marriott elite member tier.

Marriott is an Amex hotel partner and Chase hotel partner points transfer to Marriott, however, we recommend that you transfer American Express and Chase points to their high-value airline (and hotel with Hyatt and Chase) partners instead.

IHG One Rewards

IHG One Rewards Credit Cards

Chase is the sole issuer of IHG credit cards. These cards are co-branded by Chase and are subject to the Chase 5/24 rule. Before applying for any of the IHG cards, it’s important to check your 5/24 status.

IHG One Rewards Traveler Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn up to 17x when you stay at IHG hotels, 3x on monthly bills, at gas stations, and restaurants, and 2x on all other purchases.

Learn More(at Chase's secure site)
Earn up to 17x when you stay at IHG hotels, 3x on monthly bills, at gas stations, and restaurants, and 2x on all other purchases.
Earn 80,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.
80,000 bonus points
$400
$0
20.74% - 27.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card

If you’re someone who is looking to enhance your IHG stays by earning more points and benefits, without paying an annual fee, then the IHG One Rewards Traveler Credit Card might be the perfect fit for you.

In this guide, we will provide a detailed view of what the card can offer so you can decide if it makes sense to add to your wallet.

Pros & Cons
Pros
  • Up to 17x total points per $1 on IHG stays
  • 3x points per $1 on monthly bills, at gas stations, and restaurants
  • 2x point per $1 on all other purchases
Cons
    • Not as rewarding as the IHG One Rewards Premier Credit Card
Card Highlights
  • Earn 80,000 Bonus Points
  • No Annual Fee
  • Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
  • Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
  • No Foreign Transaction Fees
  • Redeem 3 Nights, Get the 4th Night Free
  • IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
  • Member FDIC
Financial Snapshot
  • APR: 20.74% - 27.74% Variable
  • Foreign Transaction Fees: None
Rewards Center

IHG Rewards Loyalty Program Review

IHG One Rewards Premier Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.

Learn More(at Chase's secure site)
The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
140,000 points
$700
$99
20.74% - 27.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card

If you regularly visit IHG hotels throughout the year, then the IHG One Rewards Premier Credit Card is probably a perfect card to have in your wallet.

The IHG Premier card offers a great bundle of perks and benefits, including automatic Platinum elite status, an annual free night certificate, and travel protections.

Pros & Cons
Pros
  • Up to 26x points per $1 on IHG stays
  • 5x points per $1 spent on purchases on travel, at gas stations, and restaurants
  • 3x points per $1 on all other purchases
Cons
  • $99 annual fee
  • Does not earn transferable points
Card Highlights
  • Earn 140,000 Bonus Points
  • Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
  • Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
  • Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
  • Automatic Platinum Elite status as long as you remain a Premier cardmember
  • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card
  • IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
  • Member FDIC
Financial Snapshot
  • APR: 20.74% - 27.74% Variable
  • Foreign Transaction Fees: None
IHG One Rewards Premier Business Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The IHG Premier Business card is the perfect option for business travelers who regularly stay at IHG hotels.

Learn More(at Chase's secure site)
The IHG Premier Business card is the perfect option for business travelers who regularly stay at IHG hotels.
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening
140,000 points
$700
$99
20.74% - 27.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit Recommended (670-850)
Why We Like This Card

IHG Rewards and Chase have teamed up to offer the IHG One Rewards Premier Business Card, a compelling option for those who travel often for their business and stay at IHG hotels.

In this review, we will cover all of the benefits of the card, including earning rates, perks, fees, and more to help you determine whether the card is a good fit for your travel goals.

Pros & Cons
Pros
  • Up to 26x total points per $1 spent on IHG Hotels and Resorts
  • 5x points per $1 spent on travel, at gas stations, select advertising, and restaurants
  • 3x points per $1 spent on all other purchases
Cons
  • $99 annual fee
  • Does not earn transferable rewards
Card Highlights
  • Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
  • Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
  • Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
  • Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
  • Automatic Platinum Elite status as long as you remain a Premier Business cardmember
  • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card
  • IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
  • Member FDIC
Financial Snapshot
  • APR: 20.74% - 27.74% Variable
  • Foreign Transaction Fees: None

The IHG One Rewards Premier Credit Card used to be the IHG® Rewards Club Select credit card (no longer open to new applicants).

There are 3 reasons to apply for the IHG Premier card:

  1. Cardmembers receive IHG elite status
  2. The annual certificate for a property requiring up to 40,000 points per night
  3. Reward night free on an eligible award booking

The other personal card issued by Chase is the IHG One Rewards Traveler Credit Card. The ability to earn additional points at IHG properties and the ability to receive an award night when you redeem points for any stay of 4 or more nights are 2 reasons to apply for this card.

IHG One Rewards Award Pricing

Similar to Hilton, IHG’s award pricing structure is now 100% dynamic. The price of reward nights will fluctuate depending on factors like the cash price of the hotel, the seasonality of the location, etc.

Other Ways to Earn IHG One Rewards Points

You can earn IHG points by spending on IHG credit cards and staying at IHG hotels. Chase points transfer directly to IHG, however, we do not recommend that you make this transfer. Instead, redeem Chase points with its more valuable airline and hotel partners.

Hilton Honors

Hilton Honors Credit Cards

The Hilton Honors program partners with American Express to issue several credit cards geared towards all types of travelers.

Offering free night certificates for a standard room is the strategy Hilton uses to incentivize new credit card signups. Cards that come with certificates do have annual fees, however, the certificate easily offset the fees.

LIMITED TIME OFFER
Hilton Honors American Express CardTerms Apply / Rates & Fees
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
100,000 points
$500
$0
20.24%-29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card

You can’t beat a comfy king-sized bed and room service. For many travelers, it’s the hotel that really makes or breaks an experience. If you’re one of those people, you’ve probably stayed at a Hilton hotel.

Whether your visits are for work or pleasure, the Hilton brand has you covered with more than 6,200 locations in 100 counties and territories.

To enjoy a host of great benefits, you may want to apply for the Hilton Honors American Express Card.

Pros & Cons
Pros
  • 7x points per $1 on Hilton stays
  • 5x points per $1 at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
  • 3x points per $1 on all other purchases
Cons
  • Not great for those who want multiple redemption options
  • Offers the least benefits of all Hilton cards
Card Highlights
  • Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 20.24%-29.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

Hilton Honors Loyalty Program

LIMITED TIME OFFER
Hilton Honors American Express Surpass® CardTerms Apply / Rates & Fees
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
165,000 points
$825
$150
20.24%-29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card

If you’re someone who loves traveling and loves staying in Hilton hotels, adding a co-branded Hilton hotel card to your wallet is almost a no-brainer. From automatic Hilton elite status to up to $200 in Hilton credits every year, the Hilton Honors American Express Surpass® Card can be a great fit for Hilton loyalists looking to up their travel game.

Pros & Cons
Pros
  • 12x points per $1 at Hilton hotels
  • 6x points per $1 at U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • 4x points per $1 at U.S. online retail purchases
Cons
Card Highlights
  • Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
  • Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
  • Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
  • Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $150 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: 20.24%-29.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

Hilton Honors

Hilton Honors American Express Aspire CardTerms Apply / Rates & Fees
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

All information about Hilton Honors American Express Aspire Card has been collected independently by Upgraded Points.

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.
Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership
175,000 points
$875
$550
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.


Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.

The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists, but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.

So let’s have a look at what makes the card so valuable to travelers.

Pros & Cons
Pros
  • 14x points per $1 on Hilton purchases
  • 7x points per $1 on select travel and at U.S. restaurants
  • 3x points per $1 on all other eligible purchases
Cons
    • High annual fee of $550
Card Highlights
  • Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership
  • Earn 14x Hilton Honors Bonus Points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio
  • Earn 7x Hilton Honors Bonus Points for eligible travel purchases: on flights booked directly with airlines or AmexTravel.com and on car rentals booked directly from select car rental companies
  • Earn 7x Hilton Honors Bonus Points on dining at U.S. restaurants, including takeout and delivery
  • Earn 3x Hilton Honors Bonus Points for other eligible purchases on your card
  • Enjoy up to $400 in Hilton Resort Credits (up to $200 in statement credits semi-annually) on your card each anniversary year when you stay at participating resorts within the Hilton portfolio
  • Enjoy complimentary Diamond status
  • $550 annual fee
Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None
LIMITED TIME OFFER
The Hilton Honors American Express Business CardTerms Apply / Rates & Fees
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.

Learn More(at Amex's secure site)
An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.

Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 on purchases within the first 6 months of Card Membership. Offer ends 1/8/2025.

175,000 points
$875
$195
20.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card

For frequent business travelers who regularly stay in Hilton hotels, The Hilton Honors American Express Business Card is a great option.

Not only will the card help you earn more points on all of your Hilton stays, but you’ll also receive automatic elite status and travel protections.

Here’s a detailed look at all the benefits this card offers so that you can determine if it’s a good fit for you.

Pros & Cons
Pros
  • Earn 12x points per $1 on eligible Hilton purchases
  • Earn 5x points on other purchases made for the first $100,000 in purchases each calendar year, 3x points thereafter.
  • Complimentary Hilton Honors Gold status, and the ability to spend your way to Diamond status
Cons
Card Highlights
  • Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.
  • Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
  • Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
  • Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
  • Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
  • You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
  • As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
  • Terms apply.
Financial Snapshot
  • APR: 20.24% - 29.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

Hilton Honors loyalty program

The Hilton Aspire card is the premium card of the bunch that offers cardmembers a free night certificate. An additional free night certificate can be earned if you’re a Hilton Surpass cardmember by spending $15,000 in a calendar year on this card.

The Hilton Business Amex card is great for business owners. You get complimentary Hilton Honors Gold status, and if you spend $40,000 in a cardmember year, you can earn an upgrade to Diamond status through the end of the next calendar year.

Hilton Honors Award Chart

You will not find an award chart with the Hilton Honors program. Hilton uses dynamic award pricing so the number of points required per night will change.

We have found the Points Explorer tool to help determine the number of points per night you’ll need. Enter your destination in the Where do you want to go? search bar. Then enter the number of points that you have in the How many Points per night are you working with? scroll bar. Last, the search results will show you how many points you will need to book a hotel in that area.

Other Ways to Earn Hilton Honors Points

Hilton credit card spending is the most efficient way to earn Hilton points. Another way to earn Hilton points is to pay for cash stays at Hilton properties and take Lyft rides. Point transfers from American Express are possible, however, we do not recommend transferring Amex points to Hilton. 

Final Thoughts

Using points to book a hotel award stay in Chicago provides you with 2 things: a ton of value with your hard-earned hotel points and the ability to reduce your cash spend during your time in the city.

As you’ve likely seen, it’s hard to go wrong with using points to book any of the hotels on this list. Based on our analysis, the cents per point value will range from 0.4-3.6. Whatever hotel you decide to book, we’re confident that you can redeem hotel points for value for your next trip to the Windy City.

The information regarding the Chase Freedom® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Bold® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the IHG® Rewards Club Select Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the Marriott Bonvoy Bevy™ American Express® Card, click here.
For rates and fees of the Marriott Bonvoy Brilliant® American Express® card, click here.
For rates and fees of the Hilton Honors American Express Card, click here.
For rates and fees for The Hilton Honors American Express Surpass® Card, click here.
For rates and fees of The Hilton Honors American Express Business Card, click here.

Frequently Asked Questions

What's the best hotel to stay at in Chicago?

As we have shown in this article, Chicago has a multitude of hotels that you can book with hotel points. We recommend checking out Hotel Lincoln, Chicago Athletic Association, Hotel Zachary, The Robey, The Gwen, Kimpton Allegro, Kimpton Hotel Monaco, and the Waldorf Astoria in Chicago.

Where should I stay in Chicago for attractions?

Gold Coast, Magnificent Mile, and River North provide easy access to the attractions and sites that Chicago has to offer. Each of these neighborhoods has hotels that you can book with your hotel points.

What food is Chicago famous for?

Deep-dish pizza is one of the city’s most famous foods that any new and repeat visitor should try. Chicago is also known for its hot dogs, Italian, and steak restaurants. There is no shortage of establishments that you can find your fix at with any of these foods.

What is the Magnificent Mile Chicago?

The Magnificent Mile is an upscale district in downtown Chicago with retail, restaurants, museums, and hotels along Michigan Avenue. This district runs from the Chicago River to Oak Street in the Near North Side.

What is considered the Loop in Chicago?

The Loop is the central business district of Chicago and the main part of its downtown scene. This area is the second-largest commercial business district in North America after Midtown Manhattan in New York City.

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About Michael McHugh

Born and raised in Mobile, Alabama, Michael took his first international trip in 2013 with friends to the Bahamas. Although he didn’t travel much in his younger years, on that trip, he caught the travel bug and has been hooked ever since.

Michael first caught wind of the points and miles game in 2014 while at a bar in Washington, DC where the conversation amongst friends was quickly derailed because of an alert on a friend’s phone about a mistake fare.  That’s where the love affair with points and miles began.

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