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

Updated: September 2, 2023, 7:08am CDT

Edited by:

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

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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)

Hyatt Residence Club Dorado, Hacienda del Mar — Hyatt Vacation Club at Hacienda del Mar. Image Credit: 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 and La Fortaleza.

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 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.

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 OfferEarn 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.
Up to 60,000 points

UP's Bonus Valuation*:
$900

Annual Fee

$95

APR

21.49% - 28.49% Variable

Credit Recommended

Good to Excellent (670-850)

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

Up to 9 points total for Hyatt stays: 4 Bonus Points per $1 spent at Hyatt hotels and 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
1 Free Night Award each cardmember anniversary (Category 1 to 4)
A second Free Night Award when you spend $15,000 on the card
Hyatt Discoverist status
5 automatic elite night credits each year
2 elite night credits for every $5,000 spent on the card
DoorDash DashPass subscription
No foreign transaction fees
Purchase protection
Trip cancellation/interruption and luggage insurance

Cons

$95 annual fee

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 at Hyatt hotels & 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: 21.49% - 28.49% Variable
Foreign Transaction Fees: None

Card Categories

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:

Chase Freedom Flex℠
Chase Freedom Unlimited^®
Chase Freedom^® card (no longer open for new applications)
Ink Business Cash^® Credit Card
Ink Business Unlimited^® Credit Card

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

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

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 OfferEarn 30,000 Bonus Points after you spend $1,000 on eligible purchases within the first 3 months from account opening.
30,000 points

UP's Bonus Valuation*:
$210

Annual Fee

APR

21.49%–28.49% Variable

Credit Recommended

Good to Excellent (670-850)

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

Up to 14x points per $1 on Marriott purchases
2x points per $1 on travel purchases
15 Elite Night Credits each year (automatically gives you Silver Elite status)
No foreign transaction fees
No annual fee

Cons

Lower point earn rate than other Marriott Bonvoy cards
Marriott Bonvoy Silver Elite status is the lowest status tier

Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
Pay no annual fee with the Marriott Bonvoy Bold^® Credit Card from Chase^®!
Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Bold^® Card.
1X point for every $1 spent on all other purchases.
Your points don't expire as long as you make purchases on your card every 24 months.
No Foreign Transaction Fees.
Member FDIC

Financial Snapshot

APR: 21.49%–28.49% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

Marriott Bonvoy

LIMITED TIME OFFER

Marriott Bonvoy Boundless^® Credit Card

U.P. Rating

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.

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 OfferEarn 5 Free Night Awards (each night valued up to 50,000 points) after spending $5,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!
Earn 5 Free Night Awards

UP's Bonus Valuation*:
$1,750

Annual Fee

$95

APR

21.49%–28.49% Variable

Credit Recommended

Good to Excellent (670-850)

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

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
1 Free Night Award each cardmember anniversary (valued up to 35,000 points)
One year complimentary DoorDash DashPass subscription
No foreign transaction fees

Cons

$95 annual fee
Marriott Silver status is the lowest status tier

Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Boundless^® Card.
Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
Member FDIC

Financial Snapshot

APR: 21.49%–28.49% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

Marriott Bonvoy

NEW 155K OFFER

Terms Apply / Rates & Fees

Marriott Bonvoy Bevy™ American Express^® Card

U.P. Rating

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 OfferEarn 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
155,000 points

UP's Bonus Valuation*:
$1,085

Annual Fee

$250

APR

20.99%-29.99% Variable

Credit Recommended

Good to Excellent (670-850)

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

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
Complimentary Marriott Bonvoy Gold Elite status
15 Elite Night Credits per year
1,000 bonus points per paid stay
1 Free Night Award (up to 50,000 points) when you spend $15,000 on the card in a year
No foreign transaction fees (rates and fees)

Cons

$250 annual fee (rates and fees)
Free Night Award certificate is not an automatic benefit

Earn 155,000 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.
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: 20.99%-29.99% Variable
Foreign Transaction Fees: None

Card Categories

NEW 185K WELCOME OFFER

Terms Apply / Rates & Fees

Marriott Bonvoy Brilliant^® American Express^® Card

U.P. Rating

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 OfferEarn 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
185,000 bonus points

UP's Bonus Valuation*:
$1,295

Annual Fee

$650

APR

20.99%-29.99% Variable

Credit Recommended

Good to Excellent (670-850)

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

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
25 Elite Night Credits each year
Priority Pass Select membership upon enrollment
Global Entry or TSA PreCheck application fee statement credit
Annual Free Night Award after card renewal
Complimentary Platinum Elite status

Cons

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

Earn 185,000 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^®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
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 ($100) 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. Terms apply.
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: 20.99%-29.99% Variable
Foreign Transaction Fees: None

Card Categories

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.

Terms Apply / Rates & Fees

Hilton Honors American Express Card

U.P. Rating

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 OfferEarn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
80,000 points

UP's Bonus Valuation*:
$400

Annual Fee

APR

20.99%-29.99% Variable

Credit Recommended

Good to Excellent (670-850)

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

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
Complimentary Hilton Honors Silver status
No annual fee (rates & fees)
No foreign transaction fees (rates & fees)

Cons

Not great for those who want multiple redemption options
Offers the least benefits of all Hilton cards

Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
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: 20.99%-29.99% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

Hilton Honors Loyalty Program

Terms Apply / Rates & Fees

Hilton Honors American Express Surpass^® Card

U.P. Rating

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 OfferEarn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases in your first 6 months of Card Membership.
130,000 points

UP's Bonus Valuation*:
$650

Annual Fee

$150

APR

20.99%-29.99% Variable

Credit Recommended

Good to Excellent (670-850)

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

12x points per $1 at Hilton hotels
6x points per $1 U.S. supermarkets, U.S. gas stations, and U.S. restaurants
4x points per $1 at U.S. online retail purchases
3x points per $1 on all other purchases
Complimentary Hilton Honors Gold status
No foreign transaction fees (rates & fees)

Cons

Annual fee of $150 (rates & fees)

Earn 130,000 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.
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: 20.99%-29.99% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

Hilton Honors

Terms Apply / Rates & Fees

Hilton Honors American Express Aspire Card

U.P. Rating

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 OfferEarn 180,000 Hilton Honors Bonus Points with the Hilton Aspire card from American Express after you use your new card to make $6,000 in eligible purchases within the first 6 months of card membership.
180,000 points

UP's Bonus Valuation*:
$900

Annual Fee

$550

APR

20.74% - 29.74% Variable

Credit Recommended

Good to Excellent (670-850)

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

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 purchases
Complimentary Hilton Diamond status
Up to $400 in annual statement credits on purchases with participating Hilton Resorts (up to $200 in statement credits semi-annually)
Up to $200 back annually on eligible flight purchases (up to $50 in statement credits each quarter)
1 Free Weekend Night Award each cardmember anniversary
$100 credit at Waldorf Astoria and Conrad properties

Cons

High annual fee of $550

Earn 180,000 Hilton Honors Bonus Points with the Hilton Aspire card from American Express after you use your new card to make $6,000 in eligible purchases within the first 6 months of card membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
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 purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies, and at U.S. restaurants.
Earn 3X Hilton Honors Bonus Points for all 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: 20.74% - 29.74% Variable
Foreign Transaction Fees: None

Card Categories

LIMITED TIME OFFER

Terms Apply / Rates & Fees

The Hilton Honors American Express Business Card

U.P. Rating

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 OfferLimited Time Offer: Earn 175,000 bonus points after you spend $8,000 in purchases in the first 6 months of Card Membership. Offer Ends 6/5.
175,000 points

UP's Bonus Valuation*:
$875

Annual Fee

$195

APR

20.99% - 29.99% Variable

Credit Recommended

Good to Excellent (670-850)

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

12x points per $1 on eligible Hilton purchases
Enhanced: 5x points on other purchases made for the first $100,000 in purchases each calendar year, 3X points thereafter.
Automatic Hilton Honors Gold status, and the ability to spend your way to Diamond status
New: Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
New: Enjoy complimentary National Car Rental^® Emerald Club Executive^® status. Enrollment in the complimentary Emerald Club^® program is required.
No foreign transaction fees (rates and fees)

Cons

$195 annual fee (rates and fees)

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 6/5.
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
ENHANCED: 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.
NEW: Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
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 if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
NEW: Enjoy complimentary National Car Rental^® Emerald Club Executive^® status. Enrollment in the complimentary Emerald Club^® program is required. Terms apply.
Terms apply.

Financial Snapshot

APR: 20.99% - 29.99% Variable
Foreign Transaction Fees: None

Card Categories

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 Premier^® Card

U.P. Rating

Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.

Learn More(at our partner's secure site)

Citi Premier^® Card

Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.

Welcome OfferEarn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
60,000 points

UP's Bonus Valuation*:
$960

Annual Fee

$95

APR

21.24% - 29.24% Variable

Credit Recommended

Good to Excellent (670-850)

The Citi Premier^® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!

Pros

3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
Access to Citi transfer partners
Annual hotel credit
No foreign transaction fees

Cons

$95 annual fee

Earn 60,000 bonus ThankYou^® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou^® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
Earn 3 Points per $1 spent at Restaurants and Supermarkets
Earn 1 Point per $1 spent on all other purchases
Annual Hotel Savings Benefit
60,000 ThankYou^® Points are redeemable for $600 in gift cards redeemable for $600 in gift cards or travel rewards at thankyou.com
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: 21.24% - 29.24% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

Citi ThankYou Rewards

Citi Rewards+^® Card

U.P. Rating

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.

Learn More(at our partner's secure site)

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 OfferEarn 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

APR

0% intro APR on balance transfers and on purchases for 15 months. After that, the variable APR of 18.74% - 28.74%.

Credit Recommended

Good to Excellent Credit Recommended (670-840)

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 18.74% – 28.74%, 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, the variable APR of 18.74% - 28.74%.
Foreign Transaction Fees: 3% of each purchase transaction in US dollars

Card Categories

Citi Double Cash^® Card

U.P. Rating

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

Learn More(at our partner's secure site)

Citi Double Cash^® Card

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

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

Annual Fee

APR

0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable

Credit Recommended

Fair to Excellent (580-850)

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

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
Lack of premium travel benefits

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 on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, 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).

Financial Snapshot

APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Card Categories

Rewards Center

Citi ThankYou Rewards

Citi Custom Cash^® Card

U.P. Rating

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

Learn More(at our partner's secure site)

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

Annual Fee

APR

0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%.

Credit Recommended

Fair to Excellent (580-850)

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

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
No redemption minimums

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

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, 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. Also, 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 via the Citi Travel℠ portal through 6/30/2025.
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 19.24% - 29.24%.
Foreign Transaction Fees: 3%

Card Categories

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:

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 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 OfferEarn 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% - 29.99% (Variable)

Credit Recommended

Excellent (740-840)

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

10x miles per $1 on hotels and rental cars purchased through Capital One Travel
5x miles per $1 on flights purchased through Capital One Travel
2x miles per $1 on all other purchases
$300 annual travel credit on bookings made through Capital One Travel
Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
10,000 bonus miles awarded on your account anniversary each year
Global Entry or TSA PreCheck credit
Add authorized users for no additional annual fee (rates & fees)
No foreign transaction fees (rates & fees)

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

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 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
Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
Receive up to a $100 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

APR: 19.99% - 29.99% (Variable)
Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating

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 OfferEnjoy 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% - 29.99% (Variable)

Credit Recommended

Good to Excellent Credit (670-850)

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

5x miles per $1 on hotels and rental cars booked through Capital One Travel
2x miles per $1 on all other purchases
Global Entry or TSA PreCheck application fee credit
No foreign transaction fees (rates & fees)
Access to Capital One transfer partners

Cons

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

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 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 $100 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
Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

APR: 19.99% - 29.99% (Variable)
Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

Terms Apply / Rates & Fees

Capital One VentureOne Rewards Credit Card

U.P. Rating

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 OfferEarn 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

APR

19.99% - 29.99% (Variable),0% intro on purchases for 15 months

Credit Recommended

Good to Excellent (670-850)

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

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

Cons

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

$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; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Financial Snapshot

APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Foreign Transaction Fees: None

Card Categories

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!

The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom^® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Bold^® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless^® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Wyndham Rewards^® Earner℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Wyndham Rewards^® Earner℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Wyndham Rewards^® Earner℠ Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture X Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Choice Privileges^® Mastercard^® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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

Featured Image Credit: Wei Zeng via Unsplash

Frequently Asked Questions

What are the best hotels in Puerto Rico?

If money were no object and you didn’t want to stay at any points hotels, some popular choices include the Fairmont El San Juan Hotel, Royal Isabela, Hotel El Convento, Finca Victoria, or El Conquistador Resort.

What are the best hotels in Puerto Rico that you can book with points?

Our favorite points hotels in Puerto Rico also happen to be some of the most luxurious hotels in the entire Caribbean. These include:

The St. Regis Bahia Beach Resort, Puerto Rico
Dorado Beach, a Ritz-Carlton Reserve
Hyatt Regency Grand Reserve Puerto Rico
San Juan Marriott Resort & Stellaris Casino
Wyndham Grand Rio Mar Puerto Rico Golf & Beach Resort
Condado Vanderbilt Hotel
Hyatt Vacation Club at Hacienda del Mar
Caribe Hilton
Hilton Ponce Golf & Casino Resort
Hyatt Place San Juan

What is the best area of Puerto Rico to stay in?

In general, the most tourist-friendly areas are the Condado, Old San Juan, and Isla Verde areas.

Where do the rich stay in Puerto Rico?

The rich stay in the Dorado area or the Condado district, generally speaking.

Which side of Puerto Rico has the best beaches?

Most people agree that the best beaches are right near the Isla Verde or the Condado areas.

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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