The 11 Best Puerto Rico Hotels To Book With Points [For Max Value]

Puerto Rico is consistently one of the most popular travel destinations, especially for tourists from the U.S.

Although the island is located in the Caribbean, Puerto Rico is an unincorporated U.S. territory, which made it the getaway of choice for mainland Americans when the COVID-19 pandemic wrought havoc on international travel. Even though Puerto Rico felt like a world away, it was as easy as flying to another U.S. state.

Today, Puerto Rico has gained newfound love from first-time travelers, as well as a rekindled appreciation from repeat travelers.

In this guide, we’ll show you all of the best hotels you can book in Puerto Rico using points for maximum value!

The 11 Best Value Puerto Rico Hotels

When putting together this article, we researched the properties belonging to many global loyalty programs.

Our shortlist includes properties from World of Hyatt, Marriott Bonvoy, Hilton Honors, Choice Privileges (via Preferred Hotels), and Wyndham Rewards

We also looked at properties that belong to the IHG One Rewards loyalty program, but none of them were particularly luxurious or offered good redemption value.

So, let’s get into all of our best value hotels to book in Puerto Rico using points.

1. The St. Regis Bahia Beach Resort, Puerto Rico (Marriott Bonvoy)

The St. Regis Bahia Beach Resort, Puerto Rico is not only one of the most lavish resorts on the island, but it’s also one of the most aspirational Marriott Bonvoy properties you can book in the Western Hemisphere.

Situated between the El Yunque National Forest and Espiritu Santo River State Preserve, this 483-acre property boasts luxurious rooms with state-of-the-art amenities.

The 674-square-foot standard room is outfitted with 1 king or 2 double beds and has garden views and a furnished balcony or patio. You’ll find a sitting area with an armchair, a side table, a walk-in closet, a flat-screen TV, and access to premium channels.

Within the lovely marble bathroom is a double vanity, an enormous walk-in shower, a separate soaking bathtub, and a backlit LED mirror, plus a wall-mounted make-up mirror.

Dining options include a chic Mediterranean seafood restaurant, an eclectic oceanfront bistro, and a cocktail bar. You can savor lavish amenities, including a pool by the ocean, full spa, kids’ club, golf course, tennis courts, outdoor gardens, and more.

Average Marriott Bonvoy Points Required: 70,000 to 120,000 points per night

Cash Rate: $750 to $3,300 ($1,200 on average per night)

Points Value: Up to 2.8 cents per point

2. Dorado Beach, a Ritz-Carlton Reserve (Marriott Bonvoy)

On an absolute basis, Dorado Beach, a Ritz-Carlton Reserve is probably the most luxurious hotel you can book in Puerto Rico. It’s certainly the best points option, but it may also be the best overall.

Situated in the ritzy Dorado area on 50 private acres, this property has all the makings of an incredible vacation. Enjoy oversized rooms with at least 941 square feet of space, as well as amazing floor-to-ceiling ocean views, a plush king bed, personal butler service, and plug-in high-tech amenities.

The spa bathroom is appointed with indoor and outdoor showers, twin vanities, an oversized, deep-soaking bathtub, amenities by Spa Botanico, and other essentials like a flat iron and hairdryer.

This sprawling resort has 2 full-service restaurants, a beach club, and a grill, as well as a cocktail bar and a culinary center for cooking classes.

In the way of facilities, Dorado Beach boasts a full gym, spa, water park, 2 pools, and a whopping 3 golf courses!

Average Marriott Bonvoy Points Required: 164,000 to 240,000 points per night

Cash Rate: $1,400 to $5,300 ($3,100 on average) per night

Points Value: Up to 2.2 cents per point

3. Hyatt Regency Grand Reserve Puerto Rico (World of Hyatt)

The Hyatt Regency Grand Reserve Puerto Rico is one of the most popular resorts for travelers from the mainland U.S. — its name-brand recognition, the abundance of amenities, and awesome location on Coco Beach make it one of the best choices, especially with points!

The property is dotted with 579 rooms and suites, and the entry-level room has garden views and 600 square feet of space! You’ll find a choice of 1 king or 2 double beds, plus a sofa sleeper bed, a furnished patio, a flat-screen TV, minibar, and coffee facilities.

The simple yet spacious bathroom has a single vanity and a walk-in rainfall shower in addition to the standard amenities.

This resort has a total of 10 dining options, including an Asian fusion restaurant, a food truck, a Caribbean buffet spot, and much more.

Even better, you’ll find 2 18-hole golf courses, a lovely, family-friendly, lagoon-style pool, a private area on the beach, a full spa, a fitness center, and an abundance of meeting/event space.

World of Hyatt Points Required: 17,000 to 23,000 points per night

Cash Rate: $375 to $800 ($450 on average) per night

Points Value: Up to 4.7 cents per point

4. Hyatt Place San Juan (World of Hyatt)

If you’re looking for a simple place to stay with solid amenities but an exceptional location and a low points outlay, the Hyatt Place San Juan might be the perfect fit for you.

Just a short 12-minute drive from Luis Muñoz Marín International Airport (SJU) in San Juan, this property is also within walking distance to the convention center, Distrito T-Mobile, and the San Juan Marina.

Each of the 149 standard rooms and suites has at least 315 square feet of space, a king bed, a sofa bed, and a separate workspace area. You’ll find cozy Hyatt Grand bedding, a sitting area with a couch (which is also a sofa sleeper), desk with an office chair, free Wi-Fi, and a flat-screen TV. Coffee and tea, as well as a minifridge, are included, too.

The bathroom has a walk-in shower, single vanity, and KenetMD bath and body products.

All World of Hyatt members can enjoy complimentary breakfast. If you’re looking for more than that, check out the poolside bar or the 24/7 grab-and-go market.

The hotel itself also has a fitness center, an outdoor pool with waterfalls, a waterslide for kids, and a complimentary shuttle to the area that includes Old San Juan, Condado, and Escambron beach.

World of Hyatt Points Required: 9,000 to 15,000 points per night

Cash Rate: $200 to $550 ($250 on average) per night

Points Value: Up to 3.7 cents per point

5. San Juan Marriott Resort & Stellaris Casino (Marriott Bonvoy)

Yet another incredibly popular resort for visitors to Puerto Rico is the San Juan Marriott Resort & Stellaris Casino. This resort overlooks Condado Beach and is just a mile away from the Museum of Art of Puerto Rico and around 3 miles from the San Juan National Historic Site.

Elegantly decorated rooms boast private balconies with either downtown or beach views. These standard rooms have either 1 king or 2 double beds, as well as a flat-screen TV, desk, minifridge, and coffee/tea facilities.

The bathroom is outfitted with a single vanity, a shower-tub combination, and amenities by Thann. There are even bathrobes and a lighted make-up mirror!

Experience 8 gastronomic dining options, including an Italian outlet, a sushi and poke bar, and a casual Caribbean restaurant.

The resort also has an outdoor pool, a tennis court, a gym, a kids’ pool with a waterslide, and, of course, a Stellaris Casino!

Average Marriott Bonvoy Points Required: 40,000 to 60,000 points per night

Cash Rate: $350 to $900 ($400 on average) per night

Points Value: Up to 1.5 cents per point

6. La Concha Renaissance San Juan Resort (Marriott Bonvoy)

One of the premier resorts in Puerto Rico focused on business travelers, this beachfront property has an exceptional location just over a mile from Museum of Art of Puerto Rico and 3 miles from Castillo San Cristobal.

La Concha Renaissance San Juan Resort has nearly 500 rooms, and the standard rooms have either 1 king or 2 double beds, plus a flat-screen TV, desk, and small sitting area with 2 chairs and a table.

The bright bathrooms include a single vanity, large mirror, walk-in shower, bathrobes, and a lighted make-up mirror.

Savor 7 choices for dining, whether it’s Caribbean tapas or freshly caught seafood.

The property has 4 pools (including a hot tub), a 24/7 casino, a gym, direct beach access, and plenty of event space for meetings or weddings.

Average Marriott Bonvoy Points Required: 40,000 to 60,000 points per night

Cash Rate: $300 to $750 ($500 on average) per night

Points Value: Up to 1.3 cents per point

7. Wyndham Grand Rio Mar Puerto Rico Golf & Beach Resort (Wyndham Rewards)

Yet another exceedingly popular hotel amongst travelers is the Wyndham Grand Rio Mar Puerto Rico Golf & Beach Resort. It’s less than 3 miles from Carabali Rainforest Park and also around 12 miles from El Yunque National Forest.

Every standard room has at least 475 square feet of space, 1 king or 2 queen beds, and a balcony. All of the rooms also include premium bedding, a flat-screen TV, coffee and tea machines, a desk, and an armchair for sitting space.

Bathrooms have double vanities, a shower-tub combination, backlit LED mirrors, and wall-mounted make-up mirrors.

There are a total of 9 acclaimed dining options, including a sleek rum bar, tiki hut bar, and a steakhouse.

This resort also has fantastic on-site facilities, including a casino, golf course, spa, 13 tennis courts, laundry facilities, private beach access, 3 lagoon-style pools, 2 hot tubs, and lots of live entertainment.

Wyndham Rewards Points Required: 30,000 points per night

Cash Rate: $325 to $730 ($500 on average) per night

Points Value: Up to 2.4 cents per point

8. Condado Vanderbilt Hotel (Choice Privileges)

One of the most historic hotels in Puerto Rico is the Condado Vanderbilt Hotel, which is housed in a Spanish Revival complex. It’s just over 1 mile from Luis A. Ferre Performing Arts Center and less than 8 miles from the Casa BACARDÍ distillery.

The standard rooms measure 325 square feet large with views of San Juan and Condado. Enjoy 300-thread count Rivolta Carmignani bedding, a sitting area with an armchair and 2 dining chairs, and a desk. The room also contains a Smart TV and an in-room French press coffee maker with fresh Puerto Rican coffee.

Marble bathrooms include a walk-in shower, bathrobes, C.O. Bigelow amenities, a single vanity, and a wall-mounted make-up mirror.

Condado Vanderbilt Hotel is a member of Preferred Hotels & Resorts, which has a partnership with Choice Privileges to book complimentary reward nights.

Choice Privileges Points Required: 55,000 points per night

Cash Rate: $325 to $1,250 ($450 on average) per night

Points Value: Up to 2.3 cents per point

9. Hyatt Vacation Club at Hacienda del Mar (World of Hyatt)

The last World of Hyatt property we’ll discuss is the Hyatt Vacation Club at Hacienda del Mar. This property, which focuses on vacation rentals or timeshares, overlooks Dorado Beach and is around 2 miles from TPC Dorado Beach: East Course and Cerro Gordo National Park.

Standard rooms are called studios, and each contains a queen-sized Hyatt Grand bed, a sitting area with a full-sized sofa bed, a flat-screen TV, and a kitchenette with a fridge, microwave, and coffeemaker. Also, enjoy a beautifully furnished balcony with resort and ocean views.

Full bathrooms are offered here, which include a set of double vanities, a shower, and premium amenities.

As an apartment/vacation rental-style property, the amenities are relatively limited. That said, there’s a poolside bar and grill, an outdoor pool with hot tub, a separate kids’ pool, a spa, a gym, a game room, and direct beach access with beach games.

World of Hyatt Points Required: 17,000 to 23,000 points per night

Cash Rate: $250 to $450 ($350 on average) per night

Points Value: Up to 2.0 cents per point

10. Caribe Hilton (Hilton Honors)

Caribe Hilton is one of the most famous resort properties in Puerto Rico — this upscale property sits on Escambron Beach less than 3 miles from Castillo San Felipe del Morro.

Standard rooms have either 1 king bed or 2 double beds, private balconies or walk-out terraces, sitting areas for extra comfort, and blackout curtains. You can also utilize the minifridge, coffee facilities, and work desk setup.

Brightly lit bathrooms have a single vanity, an oversized backlit LED mirror, a walk-in shower, and amenities by Crabtree & Evelyn.

This historic property is home to the birthplace of the piña colada, as well as 8 other dining options, including Morton’s The Steakhouse.

You’ll find other resort amenities including a gym, a swim-up bar, an outdoor pool, a spa, private beach access, tennis courts, a kids’ playground, watersports, and tons of event space.

Hilton Honors Points Required: 60,000 points per night

Cash Rate: $300 to $950 ($400 on average) per night

Points Value: Up to 1.6 cents per point

11. Hilton Ponce Golf & Casino Resort (Hilton Honors)

The last property we’ll discuss is the Hilton Ponce Golf & Casino Resort. It’s also the only option on our list located away from the tourist-centric areas near the international airport.

It’s either a 2-hour drive from Luis Muñoz Marín International Airport (SJU) or a 15-minute drive from Mercedita International Airport (PSE). Once you’re here, though, you’ll feel like you’ve been transported worlds away despite only being 4 miles from Ponce.

Each of the standard rooms has either 1 king or 2 double beds, plus a desk, an armchair, a balcony or a patio, and a flat-screen TV. You’ll also find a minifridge, blackout curtains, premium TV channels, and a coffeemaker.

The bathroom is appointed with a single vanity, a shower-tub combination, a wall-mounted make-up mirror, and bath products from Crabtree & Evelyn.

As far as the food and beverage set-up is concerned, you can choose from an international restaurant open all-day, a sports and pool bar, or an Asian sushi bar and grill.

Enjoy the 24-hour casino, golf course, gym, outdoor pool, waterslide, fountains, and direct beach access here!

Hilton Honors Points Required: 50,000 points per night

Cash Rate: $240 to $800 ($300 on average) per night

Points Value: Up to 1.6 cents per point

Hot Tip: If you’re interested in some unique options, check out these boutique hotels in Puerto Rico.

Earn Hotel Points To Redeem in Puerto Rico

As we’ve outlined above, we have some fantastic properties that are bookable using points in Puerto Rico.

Although we analyzed more loyalty programs, our finalists were fivefold: World of Hyatt, Marriott Bonvoy, Hilton Honors, Choice Privileges, and Wyndham Rewards.

Unfortunately, there were no properties selected from IHG One Rewards — and the Fairmont El San Juan is only bookable using ALL – Accor Live Limitless points at a fixed rate, which truly limits the value you’d get.

World of Hyatt

To earn World of Hyatt points, you’ll probably want a Hyatt-branded credit card. In this case, the best option is probably The World of Hyatt Credit Card, which is offered by Chase.

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

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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

There’s also a business version available for new applicants, also through Chase, which is the World of Hyatt Business Credit Card.

Expect to earn up to 9x total points per dollar spent at Hyatt, an annual free night certificate valid at Category 1-4 properties, automatic Discoverist status, and elite night credits to get you closer to higher status.

Other Ways To Earn World of Hyatt Points

One of the other best ways to earn World of Hyatt points is to transfer Chase points at a 1:1 ratio to World of Hyatt.

You can leverage common, everyday bonus categories like dining and travel on Chase credit cards such as the Chase Sapphire Preferred^® Card, Chase Sapphire Reserve^®, and Ink Business Preferred^® Credit Card.

Even better, you also earn Ultimate Rewards points indirectly by converting the rewards earned from these cards into Ultimate Rewards points:

Marriott Bonvoy

Marriott Bonvoy has a variety of co-branded credit card offerings; some are issued by American Express while others are issued by Chase.

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

Other Ways To Earn Marriott Bonvoy Points

Beyond credit card spending on Marriott Bonvoy credit cards and staying at Marriott Bonvoy properties, Marriott is an Amex hotel partner and a Chase hotel partner.

Unfortunately, these transfers don’t yield good redemption value, making it a much better idea to stick to co-branded Marriott credit cards or booking paid stays at Marriott properties as the main method to earn Marriott Bonvoy points.

Hilton Honors

Hilton partners exclusively with American Express to offer co-branded Hilton Honors credit cards.

With these cards, you can earn up to a whopping 14x Hilton Honors points on purchases, which is incredible.

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

Other Ways To Earn Hilton Honors Points

Hilton Honors points are incredibly easy to generate through co-branded credit cards, making it a fabulous option to get free hotel stays through credit card purchases.

If you are short a small balance of Hilton Honors points, you can transfer Amex Membership Rewards points to Hilton, but we generally don’t recommend transferring points to Hilton speculatively.

Choice Privileges

Choice Privileges is one of the most under-the-radar hotel loyalty programs out there.

Although Choice Hotels focuses on economy or midscale accommodations, its loyalty program has an exclusive partnership with Preferred Hotels & Resorts, which can make it worthwhile to earn points with Choice Privileges.

The main way to do so is through the Choice Privileges® Mastercard®, which is issued by Wells Fargo.

Other Ways To Earn Choice Privileges Points

Additionally, Choice Privileges is transfer partners with Citi ThankYou Rewards at a 1:1.5 to 1:2 ratio (depending on the card), Amex Membership Rewards at a 1:1 ratio, and Capital One Miles at a 1:1 ratio.

So if you’re short a bunch of points, you can transfer from Citi, Amex, or Capital One to top off your points balance.

Citi Strata Premier℠ 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.

Citi Strata Premier℠ Card

Welcome Offer

For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.

75,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$95

APR

20.49% to 28.49% Variable APR

Why We Like This Card

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons

Pros

• 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
• 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
• $100 annual hotel benefit

Cons

• $95 annual fee

Read Full Review

Card Highlights

• For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.
• Earn 10X points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
• Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations.
• Earn 1X point per $1 spent on all other purchases.
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card.
• No foreign transaction fees on purchases.

Financial Snapshot

• APR: 20.49% to 28.49% Variable APR
• Foreign Transaction Fees: None

Citi Rewards+^® 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.

This no annual fee card rewards cardholders for everyday purchases. Earn bonus points at supermarkets and gas stations, plus your points are rounded up on every purchase.

Citi Rewards+^® Card

This no annual fee card rewards cardholders for everyday purchases. Earn bonus points at supermarkets and gas stations, plus your points are rounded up on every purchase.

Welcome Offer

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.

20,000 points

UP's Bonus Valuation*:

$320

Annual Fee

$0

APR

0% intro APR on balance transfers and on purchases for 15 months. After that, a variable APR of 17.99% to 27.99%.

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 (670-840)

Card Highlights

• Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
• Plus, as a special offer, earn a total of 5 Thank You^® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.*
• 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.99% to 27.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Earn 2X ThankYou^® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou^® Points on All Other Purchases.
• The Citi Rewards+^® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
• No Annual Fee

Financial Snapshot

• APR: 0% intro APR on balance transfers and on purchases for 15 months. After that, a variable APR of 17.99% to 27.99%.
• Foreign Transaction Fees: 3% of each purchase transaction in US dollars

Citi Double Cash^® 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.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Citi Double Cash^® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Welcome Offer

Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.

$200 cash-back

Annual Fee

$0

APR

0% Intro APR for 18 months on balance transfers, then 18.49% to 28.49% 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.

Fair to Excellent (580-850)

Why We Like This Card

The Citi Double Cash^® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros & Cons

Pros

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee

Cons

• No bonus categories
• 3% foreign transaction fees

Read Full Review

Card Highlights

• Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.49% to 28.49%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Citi Double Cash^® Card Travel Portal Special Offer
  Earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel℠ portal via cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 12/31/2025.

Financial Snapshot

• APR: 0% Intro APR for 18 months on balance transfers, then 18.49% to 28.49% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

Citi Custom Cash^® 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 big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!

Citi Custom Cash^® Card

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!

Welcome Offer

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.

$200

Annual Fee

$0

APR

0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% to 28.49%.

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.

Fair to Excellent (580-850)

Why We Like This Card

The Citi Custom Cash^® Card is inventive when it comes to cash-back credit cards. Instead of earning a set amount of cash-back on predetermined bonus categories, the Citi Custom Cash card earns 5% cash-back on your highest eligible spend category each billing cycle, without an annual fee.

Thanks to that unique perk, you’ll never need to worry about whether you’re using the right card for the right purchase, as your Citi Custom Cash card will always pay you 5% back on whichever category you end up spending the most on each month.

Pros & Cons

Pros

• 5% cash-back (on up to $500 each billing cycle) from your largest purchase category, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
• No annual fee
• Multiple redemption options

Cons

• Your 5% category is limited to $500 in spend ($25 in cash-back) each month
• Not particularly rewarding for any purchases outside of your top 5% cash-back category

Read Full Review

Card Highlights

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Get 0% Intro APR for 15 months on purchases and balance transfers; after that, the variable APR will be 18.49% to 28.49%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.
• Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No annual fee.
• Citi will only issue one Citi Custom Cash^® Card account per person.

Financial Snapshot

• APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% to 28.49%.
• Foreign Transaction Fees: 3%

Wyndham Rewards

The last loyalty program we’ll discuss is Wyndham Rewards. This popular loyalty program boasts a handful of Barclays-issued credit cards.

These are:

• Wyndham Rewards^® Earner℠ Business Card
• Wyndham Rewards^® Earner℠ Card
• Wyndham Rewards^® Earner℠ Plus Card

Other Ways To Earn Wyndham Rewards Points

In addition to the co-branded Wyndham Rewards credit cards, you can transfer Capital One miles at a 1:1 ratio to earn more Wyndham points!

TOP PICK

Terms Apply / Rates & Fees

Capital One Venture X Rewards 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 Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Learn More(at Capital One's secure site)

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$395

APR

19.99% - 29.74% (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.

Excellent (740-840)

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee (rates & fees)
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

• APR: 19.99% - 29.74% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

Terms Apply / Rates & Fees

Capital One Venture Rewards 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.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$95

APR

19.99% - 29.74% (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 (670-850)

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee (rates & fees)
• Limited elite benefits

Read Full Review

Card Highlights

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: 19.99% - 29.74% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Terms Apply / Rates & Fees

Capital One VentureOne Rewards 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 card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Learn More(at Capital One's secure site)

Capital One VentureOne Rewards Credit Card

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Welcome Offer

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.

20,000 miles

UP's Bonus Valuation*:

$360

Annual Fee

$0

APR

19.74% - 29.74% (Variable),0% intro on purchases for 15 months

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

Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.

But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?

Pros & Cons

Pros

• No annual fee (rates & fees)
• No foreign transaction fees (rates & fees)
• Ability to use transfer partners

Cons

• Weak earn rate at 1.25x miles per $1 spent on all purchases
• No luxury travel or elite benefits

Read Full Review

Card Highlights

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies

Financial Snapshot

• APR: 19.74% - 29.74% (Variable),0% intro on purchases for 15 months
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Final Thoughts

Puerto Rico can be a magical vacation spot. And while most lodging options on the island territory aren’t luxury properties, there are some incredible hotels and resorts that you can book using points.

From Marriott Bonvoy to Wyndham Rewards, your Puerto Rico hotel stay can now be booked for (almost) free!

We focused primarily on the top-shelf, luxury 5-star resorts, but there are also some excellent 4-star hotels in this guide available, which might be useful if you’re planning on spending most of your time off-property.

In any case, now you have the 101 on Puerto Rico points hotels!