14 Best Miami & Miami Beach Hotels To Book With Points [For Max Value]

Miami is one of America’s most popular vacation spots. If you enjoy Latin culture, a vibrant atmosphere, delicious and varied food, and luxury hotels, Miami should be one of your next destinations.

This city has fantastic beaches, second-to-none nightlife, numerous cultural attractions, and, of course, plenty of luxury hotels to choose from.

In this article, we’ll walk you through some of the best hotels in Miami and Miami Beach that you can book with points for maximum value.

The 8 Best Value Miami Beach Hotels

In creating this guide, we looked at hotels from the “Big 4” loyalty programs, including Marriott Bonvoy, World of Hyatt, Hilton Honors, and IHG One Rewards.

And while each property has its pros and cons, we were able to identify the highest-value properties with a focus on luxury hotels (4-star or higher).

Let’s get into it!

1. The St. Regis Bal Harbour Resort (Marriott Bonvoy)

The St. Regis Bal Harbour Resort is arguably the poshest points resort in the entire Miami area — this beachfront compound is located across the street from the Bal Harbour Shops, one of the country’s most upscale shopping centers, 11 miles from downtown Miami, and minutes from South Beach.

Each standard guestroom contains 650 square feet of personal real estate with 1 king bed or 2 queen beds, lavish marble flooring, a furnished balcony with ocean views, and floor-to-ceiling windows. The room also features a walk-in closet, a lounge chair, a flat-screen TV, a minibar, a desk, and touch screen in-room controls.

Inside the spa bathroom, you’ll find a walk-in, dual-head rain shower, a separate deep-soaking bathtub with an in-mirror flat-screen TV, and a double vanity. Bathrobes, slippers, and signature Remède bath and body products are also available.

Indulge in the resort’s exceptional dining options, featuring a casual oceanfront and poolside Greek restaurant, a signature French restaurant, a bar and wine vault, and a burger bar.

Relaxation is the name of the game here, which is why you’ll have direct beach access, 2 outdoor pools with private cabanas, a full-service spa, and a gym. You’ll also find meeting and event space.

Average Marriott Bonvoy Points Required: 70,000 to 100,000

Cash Rate: $800 to $3,400 ($1,100 on average) per night

Points Value: Up to 3.4 cents per point

2. The Ritz-Carlton Bal Harbour, Miami (Marriott Bonvoy)

The Ritz-Carlton Bal Harbour, Miami shares a lot of the same big-picture characteristics as the St. Regis property just down the street.

The ultra-luxe beachfront resort is less than a mile from the Bal Harbour Shops, and a quick 15-minute drive from South Beach, making it slightly less convenient than The St. Regis Bal Harbour.

Standard rooms measure in at 510 square feet and come with a semi-private elevator entrance, 10-foot floor-to-ceiling windows, a furnished balcony, 1 king or 2 queen beds, and inlet and partial ocean views. The room is outfitted with a desk, a flat-screen TV, a full refreshment bar, coffee and tea machines, and a Bose sound system.

The highlight of the bathroom is the deep-soaking tub with ocean views. Other features include double vanities, a separate walk-in rain shower, an in-mirror TV, bathrobes, slippers, and Asprey bath amenities.

Enjoy global cuisine at the oceanfront restaurant featuring fresh seafood or the poolside all-day restaurant.

The property’s impressive facilities include a 10,000-square-foot spa, a gym, and an outdoor pool. The amenities include personal shoppers and complimentary transfers to the Bal Harbour Shops.

Average Marriott Bonvoy Points Required: 70,000 to 100,000

Cash Rate: $800 to $4,900 ($1,800 on average) per night

Points Value: Up to 4.9 cents per point

3. The Miami Beach EDITION (Marriott Bonvoy)

The Miami Beach EDITION brings high-end, boutique luxury to Marriott’s robust ecosystem. This popular property is a 13-minute walk from the local Bass Museum of Art and sits on the Miami Beach Boardwalk.

Standard rooms have a minimum of 385 square feet of space with a plush king bed and floor-to-ceiling windows An armchair-ottoman combo in the living area, desk, flat-screen TV, minibar, and Nespresso machine complete the room.

There’s a marble bathroom appointed with a single vanity with lighted make-up mirror, a separate water closet, and a walk-in rain shower. Additional amenities include bathrobes, slippers, and amazing Le Labo toiletries.

The food and beverage outlets are helmed by celebrity chef Jean-Georges Vongerichten. Choose from a signature Latin American restaurant, an intimate cocktail bar, a modern food bazaar, a casual poolside grill spot, and a 4-lane bowling alley and restaurant!

There’s also a spa, private beach access, a 24/7 gym, 2 outdoor pools, an open-air movie theater, an ice-skating rink, and event space.

Average Marriott Bonvoy Points Required: 70,000 to 100,000

Cash Rate: $600 to $8,000 ($900 on average) per night

Points Value: Up to 8 cents per point

Hot Tip: Check out our in-depth review of The Miami Beach EDITION, featuring plenty of photos to inspire your stay.

4. The Ritz-Carlton, South Beach (Marriott Bonvoy)

The Ritz-Carlton, South Beach is a newly renovated property located on Lincoln Road in the thick of South Beach.

This property is also a 9-minute walk from Lincoln Road Mall and an 11-minute walk from the Bass Museum of Art.

Standard rooms start at 375 square feet in size and come with 1 king bed or 2 double beds. There is a sitting area with a coffee table and chairs, as well as a flat-screen TV, minibar, and high-speed Wi-Fi.

You’ll find full marble bathrooms in each room, including a separate bathtub, a walk-in rain shower, and double vanities with lighted make-up mirror. Terry bathrobes and Asprey amenities are also available.

There are 3 dining options consisting of an all-day beachfront restaurant, a signature oceanview restaurant, a Ritz-Carlton Club Lounge, and a classic cocktail bar with live music.

On the premises, you’ll find a full spa, an oceanview outdoor pool, over 20,000 square feet of meeting space, and a Ritz Kids program.

Average Marriott Bonvoy Points Required: 70,000 to 100,000

Cash Rate: $400 to $5,000 ($800 on average) per night

Points Value: Up to 5 cents per point

5. W South Beach (Marriott Bonvoy)

If there ever was a quintessential South Beach hotel, the W South Beach is it. This all-suite property offers beachfront luxury with a convenient location just opposite the Bass Museum of Art and 11 miles from Miami International Airport (MIA).

Standard rooms have 564 square feet of space and are outfitted with circadian lighting with 3 mood modes, blackout curtains, natural oak herringbone floors, a furnished balcony, and floor-to-ceiling windows with ocean views. The room also features music playlists, a flat-screen TV, desk, spacious living area with a couch and a lounge chair, and a minibar.

A beautiful marble bathroom awaits you, complete with a walk-in shower, double vanities, a lighted make-up mirror, bathrobes, slippers, and amenities by The Davines.

At this property, you will find a signature Chinese restaurant by Michael Chow, plus 2 other full-service restaurants, a lobby cocktail bar, and a poolside bar and grill.

Elsewhere, check out the spa, the garden, the outdoor heated pool, the gym, and the rooftop tennis court or basketball court. You could also just relax on the nearly private 300-foot stretch of pristine white-sand beach.

Average Marriott Bonvoy Points Required: 70,000 to 100,000

Cash Rate: $600 to $8,000 ($1,200 on average) per night

Points Value: Up to 8 cents per point

6. Hilton Bentley Miami/South Beach (Hilton Honors)

After the recent departure of several Miami-area properties from the Hilton Honors loyalty program, the Hilton Bentley Miami/South Beach is probably one of the best options available.

It’s a 7-minute walk from the Jewish Museum of Florida, 11 miles from Miami International Airport, and less than a mile from the Art Deco Historic District.

The full-service South Beach hotel has guestrooms with 350 square feet of space, a plush king bed, and a private furnished terrace. Solid amenities include a flat-screen TV, a desk, a minifridge, and a coffee machine.

The marble bathroom contains a large rain shower, a single vanity, a bidet, bathrobes, slippers, and Crabtree & Evelyn amenities.

The property has 1 full-service restaurant serving authentic Greek cuisine, along with an outdoor pool, a gym, a spa, and event space.

Hilton Honors Points Required: 85,000 to 90,000

Cash Rate: $300 to $1,550 ($600 on average) per night

Points Value: Up to 1.7 cents per point

7. Lennox Miami Beach (World of Hyatt)

Lennox Miami Beach is a 4-building, art deco complex just a 4-minute walk from the Miami Beach Boardwalk and a 12-minute walk from Ocean Drive’s shops and restaurants.

The property’s rooms feature Argentinian flair and 1 king bed or 2 double beds. There’s 344 square feet of space in each entry-level room, plus a 4K TV, a minibar, free Wi-Fi, high-end bedding, and a Nespresso coffee machine.

Inside the bathroom, there’s an LED-backlit mirror, a single vanity, a rain shower, and signature bath and body products.

Dining is a focus at Lennox — you can enjoy incredible cuisine at the lobby’s restaurant and lounge.

Other amenities include a Mediterranean courtyard, an outdoor pool, a poolside bar, and a sprawling terrace.

Category: 6

World of Hyatt Points Required: 21,000 to 29,000

Cash Rate: $240 to $1,075 ($300 on average) per night

Points Value: Up to 3.7 cents per point

8. Hyatt Centric South Beach Miami (World of Hyatt)

Staying true to the location-focused Hyatt Centric brand philosophy, the Hyatt Centric South Beach Miami is a 4-minute walk from the beach, a 9-minute walk from the Miami Beach Convention Center, and a mile from Ocean Drive’s shops and restaurants.

The airy rooms measure at least 300 square feet and come with a king bed or 2 queen beds, and floor-to-ceiling windows. Plus, rooms have a flat-screen TV, a coffee machine, a minibar, and an oversized work desk with an ergonomic chair.

The bathroom has a single vanity, marble tiling, and an oversized rain shower. Guests will enjoy a wall-mounted magnifying mirror, bathrobes, and upscale bath and body products.

There’s a signature restaurant and bar open all day, as well as a Joe & The Juice location offering juices, coffee, and smoothies.

Be sure to check out the spa, the rooftop pool, or the gym. Make use of the complimentary bicycles, too!

Category: 5

World of Hyatt Points Required: 17,000 to 23,000

Cash Rate: $270 to $875 ($350 on average) per night

Points Value: Up to 3.8 cents per point

The 6 Best Value Miami-Area Hotels

1. The Ritz-Carlton Key Biscayne, Miami (Marriott Bonvoy)

The Ritz-Carlton Key Biscayne, Miami, is one of the most exclusive resorts in the Florida Keys and is located just over 2 miles from Crandon Golf at Key Biscayne and less than 9 miles from downtown Miami.

Each of the entry-level rooms has a minimum of 420 square feet of space, resort views, a furnished full or half balcony, and a king bed or 2 double beds. The room is also furnished with a desk, an armchair,  a flat-screen TV, a minibar, and coffee and tea machines.

You’ll find full marble bathrooms with a separate deep-soaking bathtub, a single marble vanity, a lighted make-up mirror, and a rain shower. Plush bathrobes, and Asprey products complete the experience.

The unique dining options consist of a rum bar and lounge, an ice cream parlor, a burger joint, a café, and 2 more full-service restaurants.

The property has a range of superb amenities, like 2 heated outdoor pools, a hot tub, a spa with a sauna and steam room, a gym, and 11 tennis courts! There’s also extensive space for meetings, events, and weddings.

Average Marriott Bonvoy Points Required: 50,000 to 70,000

Cash Rate: $650 to $4,200 ($1,100 on average) per night

Points Value: Up to 6 cents per point

2. The Ritz-Carlton Coconut Grove, Miami (Marriott Bonvoy)

One of Marriott’s hidden gems in Miami is The Ritz-Carlton Coconut Grove, Miami, especially from the standpoint of points redemptions.

This property has views of Biscayne Bay and is a 5-minute walk from Dinner Key Marina, a 15-minute walk from a metro station, and a 3-mile drive from Vizcaya Museum and Gardens.

Each standard room has either city views or partial bay views from floor-to-ceiling windows, 420 square feet of space, 1 king bed or 2 double beds, and an oversized furnished balcony. There is also a sitting area, a minibar, a flat-screen TV, and a set of coffee and tea machines.

Bathrooms feature wall-to-wall marble tiling, a deep soaking bathtub, a separate walk-in rain shower, and a water closet. They also have a lighted make-up mirror, bathrobes, slippers, and Asprey amenities.

In terms of food and drink, the hotel has a garden terrace and fresh seafood restaurant, a classic cocktail bar with live music, and a poolside bar serving light fare.

Of course, you should check out the other amenities, too, which include an outdoor pool, a hot tub, a gym, a business center, and a spa.

Average Marriott Bonvoy Points Required: 40,000 to 60,000

Cash Rate: $400 to $2,900 ($700 on average) per night

Points Value: Up to 4.8 cents per point

3. Kimpton EPIC Hotel (IHG One Rewards)

The Kimpton EPIC Hotel is a Miami River IHG property and is set in a high-rise tower just 2 miles from the Port of Miami and about a 15-minute walk from Bayside Marketplace’s restaurants and shops.

Each of the 411 rooms and suites measures 475 square feet and is appointed with 1 king bed or 2 double beds. Rooms also feature a furnished balcony, a smart TV, a desk, a minibar, coffee and tea machines, and free Wi-Fi.

The bathrooms contain twin vessel sinks, a separate bathtub and rain shower, bathrobes, slippers, and luxe bath essentials.

Here, you’ll enjoy a complimentary evening wine hour, plus 2 chic restaurants, a skyline-view spa, a gym, a marina, 2 pools with cabana rentals (for an extra fee), and meeting/event space.

IHG One Rewards Points Required: 70,000 to 80,000

Cash Rate: $300 to $820 ($400 on average) per night

Points Value: Up to 1 cent per point

4. W Miami (Marriott Bonvoy)

The W Miami is a signature 5-star hotel located in the Brickell district of downtown Miami. This high-rise property is 2 miles from the Pérez Art Museum Miami and 8 miles from Miami International Airport.

In each standard room, you’ll find 1 king bed, 440 square feet of space, and a furnished balcony. Guests can also enjoy a lounge chair, a desk, a minibar, and a flat-screen TV.

There’s a beautiful spa-like bathroom with a separate soaking tub, double vanities, a walk-in shower, bathrobes, slippers, and a hairdryer.

The dining experience includes a 15th-floor signature restaurant, a poolside bar and cafe, and a lobby coffee shop.

Other amenities include a 28,000-square-foot spa, a 15th-floor pool, and plenty of meeting space.

Average Marriott Bonvoy Points Required: 40,000 to 60,000

Cash Rate: $425 to $1,475 ($550 on average) per night

Points Value: Up to 2.5 cents per point

5. InterContinental Miami (IHG One Rewards)

IHG’s namesake hotel in Miami, InterContinental Miami, offers 4-star luxury in the heart of downtown Miami. Just a 12-minute walk from FTX Arena and an 8-minute walk from Olympia Theater, the InterContinental Miami boasts a fabulous location overlooking Biscayne Bay.

Each of the cozy guestrooms has a430 square feet of space, a king bed or 2 double beds, and bay or city views. There is also a daybed, a work desk, a flat-screen TV, a minibar, and a Keurig coffee machine.

This property’s signature restaurant serves Pan-Latin dishes, while you can also choose between a buffet restaurant or rooftop bar (with a happy hour) serving up cocktails with panoramic views.

You can also schedule a treatment at the spa, make use of the 24/7 gym, or utilize any of the 100,000+ square feet of event space available.

IHG One Rewards Points Required: 45,000 to 70,000

Cash Rate: $215 to $1,575 ($300 on average) per night

Points Value: Up to 2.3 cents per point

6. Hyatt Centric Brickell Miami (World of Hyatt)

Hyatt Centric Brickell Miami is one of our favorite properties in the area, thanks to the superb location and the 4-star amenities without being over-the-top. First off, this building is 6 miles from South Beach, 7 miles from Miami Beach, and 9 miles from the airport.

Next, each of the 208 rooms and suites has at least 411 square feet of space and 1 king bed or 2 queen beds. Within each room, you’ll find modern designs and amenities, including a sleeper sofa bed, a private balcony with city or bay views, and a sitting area with a lounge chair. The rooms are also complete with a work desk, flat-screen TV, minibar, wardrobe, coffee maker, and free Wi-Fi.

Inside the brightly-lit bathroom, there’s a single vanity, a magnifying make-up mirror, a walk-in rain shower, BeeKind bath product products, and a hairdryer.

Although you have an excellent location to explore the best of the city, you can also check out the hotel’s Cuban restaurant and lounge that is open all day with a happy hour on Thursdays and Fridays and pool service on the weekends.

This property has a 24/7 gym, a heated rooftop pool, a 24/7 business center, and more than 12,000 square feet of event space.

Category: 5

World of Hyatt Points Required: 17,000 to 23,000

Cash Rate: $250 to $700 ($400 on average) per night

Points Value: Up to 3 cents per point

Earn Hotel Points To Redeem in Miami & Miami Beach

Now that we’ve identified a collection of high-value properties we can book using points, the next step is to figure out how to amass enough points to book one of these stays!

We’ll break it down according to each hotel loyalty program, starting with World of Hyatt.

World of Hyatt

Chase credit cards make it incredibly easy to bank lots of World of Hyatt points.

We’re big fans of The World of Hyatt Credit Card that can earn a total of up to 9x points per $1 spent at Hyatt, complimentary Discoverist elite status, and elite night credits just for holding the card.

The World of Hyatt Credit Card

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 Credit Card

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.

Welcome Offer

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

UP's Bonus Valuation*:

$900

Annual Fee

$95

APR

20.99% - 27.99% Variable

Credit Recommended

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

Read Full Review

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

Are you a business owner? Get the World of Hyatt Business Credit Card to start earning World of Hyatt points on your business purchases!

Since Hyatt is a Chase hotel partner, another way to earn them is to transfer them at a 1:1 ratio from Chase Ultimate Rewards. The easiest way to do this is to have a card that earns Ultimate Rewards points, like the Chase Sapphire Preferred^® Card, Chase Sapphire Reserve^®, or the Ink Business Preferred^® Credit Card.

Marriott Bonvoy

While Chase and Hyatt have an exclusive relationship for co-branded credit cards, Marriott Bonvoy offers co-branded products from both Chase and American Express.

Recommended Marriott Bonvoy Cards

Marriott Bonvoy Bold^® Credit Card

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)

Marriott Bonvoy Bold^® Credit Card

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

Welcome Offer

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

UP's Bonus Valuation*:

$770

Annual Fee

$0

APR

20.99% - 27.99% Variable

Credit Recommended

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

Read Full Review

Card Highlights

Financial Snapshot

• APR: 20.99% - 27.99% Variable
• Foreign Transaction Fees: 

Rewards Center

Marriott Bonvoy

Marriott Bonvoy Boundless^® Credit Card

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 Bonvoy Boundless^® Credit Card

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.

Welcome Offer

Earn 125,000 bonus points after spending $5,000 on purchases in your first 3 months from your account opening.

125,000 points

UP's Bonus Valuation*:

$875

Annual Fee

$95

APR

20.99% - 27.99% Variable

Credit Recommended

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

Read Full Review

Card Highlights

• Earn 125,000 bonus points after qualifying purchases - our best points offer!
• 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: 20.99% - 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

Terms Apply / Rates & Fees

Marriott Bonvoy Bevy™ American Express^® Card

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.

Marriott Bonvoy Bevy™ American Express^® Card

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

Welcome Offer

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

UP's Bonus Valuation*:

$595

Annual Fee

$250

APR

20.24%-29.24% Variable

Credit Recommended

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

Read Full Review

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

Terms Apply / Rates & Fees

Marriott Bonvoy Brilliant^® American Express^® Card

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.

Marriott Bonvoy Brilliant^® American Express^® Card

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.

Welcome Offer

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

UP's Bonus Valuation*:

$665

Annual Fee

$650

APR

20.24%-29.24% Variable

Credit Recommended

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

• Steep annual fee of $650 (rates & fees)
• 6x points per $1 is the same earn rate offered with lower annual fee alternatives like the Marriott Bonvoy Bevy™ American Express^® Card

Read Full Review

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

In addition, Marriott is an Amex transfer partner at a 1:1 ratio, as well as Chase Ultimate Rewards, though we wouldn’t recommend this unless you need to top off your account for a specific redemption.

IHG One Rewards

Chase is the exclusive issuer of co-branded IHG One Rewards credit cards.

Currently, you can earn up to 26 IHG One Rewards points per $1 spent when you stay at an IHG hotel, as well as an anniversary Reward Night certificate and complimentary Platinum Elite status with the IHG One Rewards Premier Credit Card.

Recommended IHG One Rewards Cards

LIMITED TIME OFFER

IHG One Rewards Traveler Credit Card

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.

IHG One Rewards Traveler Credit Card

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.

Welcome Offer

Limited Time Offer! Earn 100,000 Bonus Points

100,000 bonus points

UP's Bonus Valuation*:

$500

Annual Fee

$0

APR

20.99% - 27.99% Variable

Credit Recommended

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

Read Full Review

Card Highlights

• Limited Time Offer! Earn 100,000 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: 20.99% - 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

IHG Rewards Loyalty Program Review

IHG One Rewards Premier Credit Card

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)

IHG One Rewards Premier Credit Card

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

Welcome Offer

Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.

140,000 points

UP's Bonus Valuation*:

$700

Annual Fee

$99

APR

20.99% - 27.99% Variable

Credit Recommended

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

Read Full Review

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: 20.99% - 27.99% Variable
• Foreign Transaction Fees: None

IHG One Rewards Premier Business Credit Card

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)

IHG One Rewards Premier Business Credit Card

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

Welcome Offer

Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening

140,000 points

UP's Bonus Valuation*:

$700

Annual Fee

$99

APR

20.99% - 27.99% Variable

Credit Recommended

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

Read Full Review

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: 20.99% - 27.99% Variable
• Foreign Transaction Fees: None

If you don’t have enough IHG One Rewards points for a specific redemption, you can top off your account by transferring Chase Ultimate Rewards points at a 1:1 ratio.

Hilton Honors

American Express is the exclusive issuer of Hilton Honors-branded credit cards. Depending on which product you have, you can earn up to 14x Hilton Honors points on eligible Hilton purchases!

Recommended Hilton Honors Cards

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Hilton Honors American Express Card

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.

Hilton Honors American Express Card

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

Welcome Offer

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

UP's Bonus Valuation*:

$500

Annual Fee

$0

APR

20.24%-29.24% Variable

Credit Recommended

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

Read Full Review

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

Terms Apply / Rates & Fees

Hilton Honors American Express Surpass^® Card

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.

Hilton Honors American Express Surpass^® Card

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.

Welcome Offer

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

UP's Bonus Valuation*:

$825

Annual Fee

$150

APR

20.24%-29.24% Variable

Credit Recommended

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

• Annual fee of $150 (rates & fees)

Read Full Review

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

Terms Apply / Rates & Fees

Hilton Honors American Express Aspire Card

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.

Hilton Honors American Express Aspire Card

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.

Welcome Offer

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

UP's Bonus Valuation*:

$875

Annual Fee

$550

APR

20.99% - 29.99% Variable

Credit Recommended

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

Read Full Review

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

Terms Apply / Rates & Fees

The Hilton Honors American Express Business Card

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)

The Hilton Honors American Express Business Card

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

Welcome Offer

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

UP's Bonus Valuation*:

$875

Annual Fee

$195

APR

20.24% - 29.24% Variable

Credit Recommended

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

• $195 annual fee (rates and fees)

Read Full Review

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

Final Thoughts

Miami is an incredible vacation hotspot and nightlife playground. With comfortable options ranging from 4-star city hotels to opulent 5-star luxury resorts, there’s bound to be a great option for your situation.

Whether you value private beach access, want superb views, or crave an electric atmosphere, you can get great value by using points for your hotel stays in Miami.

Best of all, as long as you can earn (or already have) points from the Big 4 hotel chains, you’re in great shape to book your next stay in The Magic City!