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

Known for Alcatraz, cable cars, Chinatown, the Golden Gate Bridge, Golden Gate Park, Fisherman’s Wharf, the Mission, the Presidio, Russian Hill, Victorian houses, world-class restaurants and bars, and “Karl” (the year-round fog), San Francisco is one is the U.S.’s iconic cities.

The most popular time to visit is between April and December with peak travel dates occurring over the summer months. No matter what time of year you visit, you will have plenty to see and do.

This post is part of a series where we have covered the best hotels in New York City and Washington, D.C. in previous articles. Our goal is to show how to receive the most value with your hotel points.

We evaluated 27 San Francisco hotels across the 4 major hotel brands of Hilton, Hyatt, IHG, and Marriott and ranked the hotels using a cents per point value. It is important to consider what value we assign to each program’s points, as the cents per point redemption does not always showcase the value received.

We intend to show you the types of value you can receive with each of the 4 brands. Even though 10 hotels are highlighted in this piece, there are some hotels in San Francisco with high-value redemption rates that are not included — our goal is to show you booking opportunities across all 4 major brands.

Best Value San Francisco Hotels

With a background of the sights to see and things to do in San Francisco, as well as our methodology for evaluating hotel values, let’s highlight the best San Francisco hotels that you can book with points.

Hotel Del Sol (World of Hyatt)

Colorful, funky, quirky, and boutique best describes the Hotel Del Sol, a former 1950s motor inn. This JdV by Hyatt hotel offers guests a heated pool, hammocks, and continental breakfast.

With 15,000 points per night, you can book an award night. Cash rates during peak travel dates average right at $375 per night netting you 2.5 cents per point in value.

Hot Tip: A daily $15 guest amenity fee offers guests the following services: coffee, tea, juice, and pastries served all day, bicycle rentals, and daily continental breakfast. 

Category: 4

Hyatt Points Required: 15,000

April-September Rate: $376

Points Value: 2.5 cents per point

Hotel Kabuki (World of Hyatt)

In Japantown, you will find Hotel Kabuki, another JdV by Hyatt hotel. Amenities include free bathing passes to Kabuki Springs and Spa, a lounge, and a gym.

Cash rates are nearly $500 per night, while you will need 20,000 points per night to book an award stay. This means the value of your points is just under 2.5 cents per point.

Hot Tip: Hotel Kabuki has a daily $34.58 amenity fee that provides the following services: bicycle rentals, 25% off at Edible Excursions, 15% off at San Francisco’s Smitten Ice Cream, 10% off at Izakaya Kou, 10% off at Harry’s Bar & Grille, and 25% off at Kabuki Spa.

Category: 5

Hyatt Points Required: 20,000

April-September Rate: $489

Points Value: 2.4 cents per point

Hyatt Place San Francisco / Downtown (World of Hyatt)

The Hyatt Place San Francisco / Downtown is an expensive points hotel for a Hyatt Place, but it still offers value. Guests who stay at this hotel have access to a cafe, bar, and a gym.

2.2 cents per point is the value you should be able to receive during peak travel dates. Cash rates are nearly $500 per night while point stays are at 20,000 points per night.

Category: 5

Hyatt Points Required: 20,000

April-September Rate: $446

Points Value: 2.2 cents per point

Hyatt Regency San Francisco (World of Hyatt)

If you want to stay in the Financial District, check out the Hyatt Regency San Francisco. Hotel amenities available to guests include a bar, a California cuisine restaurant, and a gym.

35,000 points per night books you an award stay at the Hyatt Regency San Francisco. Cash rates during peak travel dates are just shy of $450 per night. As a hotel guest, you can expect to receive 1.3 cents per point in value.

Hot Tip: A destination fee of $25 plus tax is applied to each night of your stay. The fee includes a $15 food and beverage credit at the Eclipse Restaurant and a 10% discount on a Big Bus sightseeing bus ticket. 

Category: 5

Hyatt Points Required: 20,000

April-September Rate: $390

Points Value: 1.9 cents per point

The Ritz-Carlton, San Francisco (Marriott Bonvoy)

In Chinatown, you will find the Ritz-Carlton, San Francisco located inside a 19th-century building. Guests who stay at this hotel will have access to a fine-dining restaurant, a lounge, a spa, and a gym.

During peak travel dates, cash rates hover around $550 per night. Starting at 60,000 points per night, you can award stay resulting in a value of 0.9 cents per point.

Marriott Points Required: From 60,000

April-September Rate: $553

Points Value: 0.9 cents per point

San Francisco Proper Hotel, a Member of Design Hotels™ (Marriott Bonvoy)

The Mid-Market district is where you will find the San Francisco Proper Hotel. A member of Design Hotels, guests who stay here have access to a refined restaurant, a rooftop lounge, and a gym.

As a hotel guest, you should be able to receive 0.8 cents per point in value. This hotel starts at 50,000 points per night while cash rates are just north of $375 per night.

Marriott Points Required: From 50,000

April-September Rate: $382

Points Value: 0.8 cents per point

The Park Central San Francisco (Marriott Bonvoy)

A SoMa (South of Market) hotel that you can book with points is the Park Central. On property, amenities include an American restaurant, a bar with a terrace, beer tastings, and a gym.

Travelers can book the Park Central starting at 40,000 points per night. Cash rates during peak travel dates are slightly more than $300 per night resulting in 0.8 cents per point in value.

Marriott Points Required: From 40,000

April-September Rate: $305

Points Value: 0.8 cents per point

InterContinental Hotels Mark Hopkins San Francisco (IHG One Rewards)

The InterContintental Mark Hopkins is a Nob Hill hotel that you can book with points. This 1920s hotel provides guests with a California cuisine restaurant, a lounge, and a gym.

During peak travel dates, 0.8 to 0.9 cents per point in value is achievable. Cash rates are slightly more than $210 per night while you will need 40,000 to 45,000 points per night to book an award stay.

IHG Points Required: 40,000 to 45,000

April-September Rate: $211

Points Value: 0.5 cents per point

Hilton San Francisco Financial District (Hilton Honors)

The Hilton San Francisco is a hotel in the Financial District that you can book with your Hilton Honors points. Hotel guests have access to amenities that include a restaurant, a bar, a wine bar, and a gym.

60,000 points per night books you an award night at the Hilton San Francisco. Cash rates are just under $350 per night meaning your points are worth 0.6 cents per point.

Hilton Points Required: 44,000

April-September Rate: $261

Points Value: 0.4 cents per point

Kimpton Sir Francis Drake Hotel (IHG One Rewards)

Just off of Union Square is the Kimpton Sir Francis Drake. Located in a 1920s building, amenities available to guests include an afternoon wine hour, a lounge, an Italian bistro, a bar, a gym, and loaner bikes.

During peak travel dates, you can expect to pay around $226 per night. This hotel requires a minimum of 28,750 points per night, which means your points are worth at least 0.4 to 0.8 cents per point.

Hot Tip: A $29 + tax daily guest amenity fee includes a $10 daily dining credit at Scala’s Bistro or for in-room dining.

IHG Points Required: 28,750 to 55,000

April-September Rate: $226

Points Value: 0.4 to 0.8 cents per point

Earn Hotel Points to Redeem in San Francisco

Our recommended San Francisco hotels can range from $260-$550+ a night, but you can reduce your out of pocket expenses by using points. Below we’ll detail how to earn points within each major hotel loyalty program.

World of Hyatt

The World of Hyatt Credit Card

One of the best hotel credits is the $95 annual fee World of Hyatt Credit Card. Not only does this card cater to Hyatt loyalists and road warriors, but its benefits and perks easily outweigh its annual fee making it a card for everyone.

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.

Apply Now(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

20.74% - 27.74% 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 (670-850)

Why We Like This Card

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

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

Pros & Cons

Pros

• Up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
• 1x point per $1 on all other purchases

Cons

• $95 annual fee

Read Full Review

Card Highlights

• Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
• Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
• Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
• Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
• Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
• Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
• Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
• Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
• Member FDIC

Financial Snapshot

• APR: 20.74% - 27.74% Variable
• Foreign Transaction Fees: None

Rewards Center

World of Hyatt

As a cardmember, you will receive a Category 1-4 free night certificate after your cardmember anniversary. This is in addition to the welcome bonus you will receive. When you factor in this free night certificate, it is extremely easy to offset the annual fee every year.

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

World of Hyatt Award Chart

Other Ways to Earn World of Hyatt Points

The Hyatt Credit Card provides the easiest path to earning World of Hyatt points. Hyatt is a transfer partner of Chase Ultimate Rewards, so this means that Chase points can be transferred directly. There are 3 Chase Ultimate Rewards credit cards in the Chase Sapphire Preferred^® Card, Chase Sapphire Reserve^®, and Ink Business Preferred^® Credit Card. Spending on these cards directly earns Chase points that you can transfer to Hyatt.

If you are a Chase Ultimate Rewards cardmember, you can convert the cash-back earned from the Chase Freedom^® card (no longer open to new applicants), Chase Freedom Flex℠, Chase Freedom Unlimited^®, Ink Business Cash^® Credit Card, and Ink Business Unlimited^® Credit Card into Chase points. These cash-back cards make it that much easier to earn additional World of Hyatt points.

Marriott Bonvoy

Marriott Bonvoy Credit Cards

The Marriott Bonvoy program has had recent changes to its program as well. Several of its co-branded credit cards have been updated by both of its issuers in American Express and 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.

Apply Now(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

20.74% - 27.74% 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 (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

• Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
• Pay no annual fee with the Marriott Bonvoy Bold^® Credit Card from Chase^®!
• Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Bold^® Card.
• New! Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
• 1X point for every $1 spent on all other purchases.
• New! Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
• No Foreign Transaction Fees.
• Member FDIC

Financial Snapshot

• APR: 20.74% - 27.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

Marriott Bonvoy Boundless^® Credit Card

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.

Apply Now(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

20.74% - 27.74% 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 (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 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
• Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
• Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
• 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
• Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Boundless^® Card.
• Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
• No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
• Member FDIC

Financial Snapshot

• APR: 20.74% - 27.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

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.

Apply Now(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

19.99%-28.99% 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 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.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 19.99%-28.99% 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.

Apply Now(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

19.99%-28.99% 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 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.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 19.99%-28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

It’s also important to note that American Express and Chase have eligibility restrictions for its cards. It’s best to do your research to determine if you are eligible to receive a new cardmember welcome offer.

We have an in-depth look at the best Chase Marriott Bonvoy cards if you need more information before applying for one of these cards.

Bottom Line: All Chase Marriott cards affect your Chase 5/24 rule status. We recommend reading through how the 5/24 rule works before applying for any Chase credit cards.  

Marriott Bonvoy Award Chart

Like IHG and Hilton, Marriott uses dynamic pricing for its hotels based on demand.

Other Ways to Earn Marriott Points

American Express Membership Rewards and Chase Ultimate Rewards can be transferred directly to Marriott. However, we do not recommend that you do this and instead transfer your transferable points to each programs’ high-value airline partners.

IHG One Rewards

IHG Credit Cards

IHG offers 3 credit cards that are issued by Chase. Both of these cards are subject to the 5/24 rule, so keep that in mind before you apply.

IHG One Rewards Traveler Credit Card

U.P. Rating 

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

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

Apply Now(at Chase's secure site)

IHG One Rewards Traveler Credit Card

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

Welcome Offer

Earn 80,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.

80,000 bonus points

UP's Bonus Valuation*:

$400

Annual Fee

$0

APR

20.74% - 27.74% 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 (670-850)

Why We Like This Card

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

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

Pros & Cons

Pros

• Up to 17x total points per $1 on IHG stays
• 3x points per $1 on monthly bills, at gas stations, and restaurants
• 2x point per $1 on all other purchases

Cons

• Not as rewarding as the IHG One Rewards Premier Credit Card

Read Full Review

Card Highlights

• Earn 80,000 Bonus Points
• No Annual Fee
• Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
• Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
• No Foreign Transaction Fees
• Redeem 3 Nights, Get the 4th Night Free
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^®
• Member FDIC

Financial Snapshot

• APR: 20.74% - 27.74% Variable
• Foreign Transaction Fees: None

Rewards Center

IHG Rewards Loyalty Program Review

IHG One Rewards Premier Credit Card

U.P. Rating 

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

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

Apply Now(at Chase's secure site)

IHG One Rewards Premier Credit Card

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

Welcome Offer

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

140,000 points

UP's Bonus Valuation*:

$700

Annual Fee

$99

APR

20.74% - 27.74% 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 (670-850)

Why We Like This Card

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

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

Pros & Cons

Pros

• Up to 26x points per $1 on IHG stays
• 5x points per $1 spent on purchases on travel, at gas stations, and restaurants
• 3x points per $1 on all other purchases

Cons

• $99 annual fee
• Does not earn transferable points

Read Full Review

Card Highlights

• Earn 140,000 Bonus Points
• Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^® hotel stay.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
• Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
• Automatic Platinum Elite status as long as you remain a Premier cardmember
• Global Entry, TSA PreCheck^® or NEXUS Statement Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^®
• Member FDIC

Financial Snapshot

• APR: 20.74% - 27.74% Variable
• Foreign Transaction Fees: None

IHG One Rewards Premier Business Credit Card

U.P. Rating 

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

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

Apply Now(at Chase's secure site)

IHG One Rewards Premier Business Credit Card

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

Welcome Offer

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

140,000 points

UP's Bonus Valuation*:

$700

Annual Fee

$99

APR

20.74% - 27.74% 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 Recommended (670-850)

Why We Like This Card

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

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

Pros & Cons

Pros

• Up to 26x total points per $1 spent on IHG Hotels and Resorts
• 5x points per $1 spent on travel, at gas stations, select advertising, and restaurants
• 3x points per $1 spent on all other purchases

Cons

• $99 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
• Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^® hotel stay.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
• Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
• Automatic Platinum Elite status as long as you remain a Premier Business cardmember
• Global Entry, TSA PreCheck^® or NEXUS Statement Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card
• IHG One Rewards Bonus points are redeemable at hotels such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^®
• Member FDIC

Financial Snapshot

• APR: 20.74% - 27.74% Variable
• Foreign Transaction Fees: None

When IHG updated the IHG^® Rewards Club Select Credit Card (no longer open to new applicants), it became the new IHG One Rewards Premier Credit Card. The top perks of this credit card are IHG elite status, and the annual certificate for a property requiring up to 40,000 points per night.

IHG One Rewards Award Chart

IHG uses dynamic award pricing, similar to Hilton Honors, so you will have to check every date of your stay to see how many points are required.

Other Ways to Earn IHG One Rewards Points

You can also transfer Chase points directly to IHG to book an award stay. We do not recommend it as redeeming Chase points with Chase’s other more valuable partners results in a higher return.

Hilton Honors

Hilton Honors Credit Cards

American Express is the sole issuer of Hilton credit cards. Each of the Hilton cards is geared towards a specific type of traveler. This is great news if you are a road warrior who stays at Hilton or casual traveler who wants Hilton perks during your stay.

Hilton incentivizes new cardmember applications primarily with its free night certificates for a standard room. It takes minimal effort to offset the annual fees on Hilton cards that have free certificates, which makes these cards ones to hold onto for the long haul.

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!

Apply Now(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

19.99%-28.99% 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

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.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 19.99%-28.99% 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.

Apply Now(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

19.99%-28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

If you’re someone who 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.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 19.99%-28.99% 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.

Apply Now(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

19.99% - 28.99% 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

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: 19.99% - 28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Hilton Honors loyalty program

Premium award travelers will want to consider the Hilton Aspire card. As a cardmember, you will receive a free night certificate. It is also possible to earn an additional free night certificate after you spend $15,000 in a calendar year on the Hilton Surpass card.

The Hilton Business Amex card does not offer a free night certificate, but you do get complimentary Hilton Honors Gold status, which includes an upgrade benefit (when available at select properties), and if you spend $40,000 in a cardmember year, you can earn an upgrade to Diamond status through the end of the next calendar year.

Bottom Line: If you are looking for a deeper Hilton credit card dive, check out our Amex Hilton Honors credit card comparison. We cover everything you need to know in this piece.

Hilton Honors Award Chart

You will not find a Hilton Honors award chart. Hilton uses dynamic pricing instead of an award chart so the number of points per night will change depending on the date.

For those of you with an upcoming Hilton award stay, we have found the Points Explorer tool helpful in determining the number of Hilton points you need to book a free night. Enter your destination in the Where do you want to go? search bar. Then enter the number of points that you have in the How many Points per night are you working with? scroll bar. Last, the search results will show you how many points you will need to book a hotel in that area.

Other Ways to Earn Hilton Honors Points

Paid stays at Hilton, taking Lyft rides, and transferring American Express points to Hilton are other ways to increase your Hilton points balance. Like other hotel point transfers outside of Hyatt, we do not recommend transferring Amex points to Hilton but do recommend using Lyft to earn 3x points per $1 spent on rides.

Final Thoughts

What we found interesting is that there are not a ton of high-value hotel point redemptions in San Francisco. Hyatt offers the highest value but in general, New York City, Washington D.C., and Chicago have higher hotel point returns. In closing, the cents per point value for San Francisco hotels will range from 0.4-2.5, depending on the hotel that you book.