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Chase AeroplanĀ® Credit Card

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(4.2) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

Bonus Offer

Earn up to 100,000 bonus points: Earn 75,000 points after you spend $4,000 on purchases in the first 3 months your account is open plus 25,000 points more after you spend $20,000 on purchases in the first 12 months.

Bonus points for spend in the following bonus categories:

Applies to travel booked directly with Air Canada. Other airfare earns 1X miles per dollar.

3x
Airfare
Estimated Rewards Value: 4.2%
3x
Dining Out / Food Delivery
Estimated Rewards Value: 4.2%

Includes takeout and delivery

3x
Groceries
Estimated Rewards Value: 4.2%
1x
Everything Else
Estimated Rewards Value: 1.4%
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  • Eltie status for the first year of card membership and the following full year - with the option to retain Aeroplan elite status or upgrade to the next tier by meeting qualifying spend requirements
  • Earn 3x bonus points per $1 spent on purchases made through Air Canada directly, grocery stores, restaurants; and 1x point on all other purchases
  • Global Entry, TSA PreCheck or NEXUS application reimbursement every four years

Pros

  • Automatic 25k Aeroplan elite status for benefits like 20 eUpgrade credits to premium cabins on Air Canada flights, two passes to Maple Leaf lounges and more
  • Use Pay Yourself Back to redeem Aeroplan points for a statement credit towards any travel purchases at a favorable rate of 1.25 cents per point
  • Important travel and purchase coverage, such as trip delay reimbursement, baggage delay insurance, cell phone insurance and more

Cons

  • Aeroplan points aren't as flexible as transferrable currencies such as Chase Ultimate Rewards
  • $95 annual fee
  • Hefty spend requirement to retain or upgrade your Aeroplan elite status level
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

Aeroplan does not pass along any fuel surcharges, making this a great program for Star Alliance flights. Two huge additional benefits are a stopover on your trip for just 5,000 miles and a lap infant (under 2) is just $25 CAD. One small negative is that they do have fees for cancelling an award ticket.

APR: 21.74%-28.74% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 1, 2023
Intro bonus:
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American Express is an Advertising Partner

American ExpressĀ® Business Gold Card

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(4.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$295 Introductory Annual Fee for the first year, then $375 (Rates and fees)

Bonus Offer

Earn 70,000 Membership Rewards points when you spend $10,000 within first 3 months. Terms apply.

Bonus points for spend in the following bonus categories:

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x
Gas Stations
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x
Dining Out / Food Delivery
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x
U.S. Electronic Goods Retailers / Software / Cloud System Providers
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x
Cellular Phone Service
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x
Transit
Estimated Rewards Value: 6.8%

3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X

3x
Airfare
Estimated Rewards Value: 5.1%

Earn 3X Membership RewardsĀ® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise

3x
Hotels
Estimated Rewards Value: 5.1%
1x
Everything Else
Estimated Rewards Value: 1.7%
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  • Amazing Membership Rewards points earning rate for 6 popular business spending categories
  • No Preset Spending Limit
  • Card membership includes the very well regarded American Express customer service

Pros

  • You can't beat the 4X points on 2 out of the following 6 categories each month: U.S. advertising and media, U.S. gas stations, U.S. electronic goods retailers and software & cloud system providers, U.S. restaurants, U.S. wireless telephone service providers, and U.S. Transit
  • Although the annual fee seems high, if you max out the 4X on $150,000 in purchases, that earns you 600,000 Membership Rewards points which Your Best Credit Cards values at around $10,000
  • Card membership includes the very well regarded American Express customer service

Cons

  • The high annual fee, despite being worth it for high spenders
  • If you spend well over $150,000 a year in these categories, you may max it out and remaining spend earns at just 1X.
  • Car rental CDW coverage is secondary to your own auto insurance
Annual Fee: $295 Introductory Annual Fee for the first year, then $375
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well.Ā  ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

APR: 19.49%-27.49% (Variable)
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 1, 2023
Intro bonus:
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United Clubā„  Infinite Card

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(4.3) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$525

Bonus Offer

Earn 90,000 United MileagePlus Miles after you spend $5,000 on qualifying purchases in the first three months of opening an account. Offer ends January 24, 2024.Ā Ā 

Bonus points for spend in the following bonus categories:

4x
Airfare
Estimated Rewards Value: 4.8%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
1x
Everything Else
Estimated Rewards Value: 1.2%
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  • United Club membership for less than the cost of buying United Club membership, covering the annual fee and then some!
  • An absolute ton of benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.
  • Great shopping protections, including Return Protection on top of Extended Warranty and Purchase Protection.

Pros

  • Get United Club membership for less than the cost of buying United Club membership, covering the annual fee cost and then some!
  • A ton of shopping protections, from Return Protection to Extended Warranty and Purchase Protection.
  • Tons of additional benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.

Cons

  • High annual fee
  • Airport lounge access is limited to United Clubs and does not include any other lounges
  • Miles earned are limited to use in the United MileagePlus program
Annual Fee: $525
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

APR: 21.99%-28.99% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 1, 2023
Intro bonus:
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American Express is an Advertising Partner

American ExpressĀ® Gold Card / Rose Gold Card

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(4.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 60,000 bonus Membership Rewards points when you spend $6,000 in 6 months. Terms apply.

Bonus points for spend in the following bonus categories:

4X Membership Rewards points per dollar spent on U.S. Supermarkets* (up to $25,000 a year; 1X thereafter)

4x
Groceries
Estimated Rewards Value: 6.8%

At restaurants worldwide and on takeout delivery within the U,S.

4x
Dining Out / Food Delivery
Estimated Rewards Value: 6.8%

Booked directly with the airline or via AmexTravel.com

3x
Airfare
Estimated Rewards Value: 5.1%
1x
Everything Else
Estimated Rewards Value: 1.7%
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  • Amazing Membership Rewards earn rate for spend on dining and at supermarkets as well as airfare
  • No Preset Spending Limit
  • You can choose the traditional American Express Gold Card color or the unique Rose Gold

Pros

  • For a pure combination of spending on dining, groceries, and airfare, the American Express Gold card is unmatched
  • Although the annual fee seems high, all but $10 can be offset by using available monthly statement credits
  • Earns valuable American Express Membership rewards points and card membership includes the highly regarded American Express customer service

Cons

  • The annual fee of $250, despite the statement credits that can offset it, is steep for some
  • Bonus categories are limited to just three
  • Car rental CDW coverage is secondary to your own auto insurance
Annual Fee: $250
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well.Ā  ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

APR: See Pay Over Time APR
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 1, 2023
Intro bonus:
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World of Hyatt Business Credit Card

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(4.2) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$199

Bonus Offer

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening

Bonus points for spend in the following bonus categories:

Only at Hyatt family hotels booked directly. 1X on other hotels.

4x
Hotels
Estimated Rewards Value: 6.8%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter ā€”with no cap.

2x
Airfare
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter ā€”with no cap.

2x
Transit
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter ā€”with no cap.

2x
Car Rentals
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter ā€”with no cap.

2x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter ā€”with no cap.

2x
Gas Stations
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter ā€”with no cap.

2x
Cellular Phone Service
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter ā€”with no cap.

2x
Dining Out / Food Delivery
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter ā€”with no cap.

2x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter ā€”with no cap.

2x
Shipping
Estimated Rewards Value: 3.4%
2x
Gym Memberships
Estimated Rewards Value: 3.4%
1x
Everything Else
Estimated Rewards Value: 1.7%
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 more
  • Earn elite night credits from eligible spend
  • Gives you automatic World of Hyatt Discoverist status
  • Has a wide range of card benefits, including primary car rental CDW

Pros

  • Earn elite night credits from eligible spend
  • Grants you automatic World of Hyatt Discoverist status
  • Has a wide range of travel and shopping benefits

Cons

  • Somewhat high annual fee
  • No bonus categories earn more than 2X Hyatt points
  • The Discoverist status is the lowest of the Hyatt elite tiers
Annual Fee: $199
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Hyatt award rates range from 3,500 to 45,000 points per night at their regular hotels and resorts. At all-inclusive resorts and Miraval, the prices can reach as high as 58,000 points per night, Almost without fail, during even remotely peak times, we can find roughly 2 cents per point in value. You can even book Suites for incrementally more points (Premium Suite costs twice as much as a room, for example). I tend to find these are one of the best ways to spend Chase Ultimate Rewards points which transfer 1:1. They are the only major hotel program in the US with fixed award charts making it a great program to be able to set goals for your redemptions..

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 1, 2023
Intro bonus:
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Chase Ink Business CashĀ® Credit Card

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(4.8) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

Bonus Offer

Get $900 in the form of 90,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.

Bonus points for spend in the following bonus categories:

5x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 5%
5x
Cellular Phone Service
Estimated Rewards Value: 5%
5x
Office Supplies
Estimated Rewards Value: 5%
2x
Gas Stations
Estimated Rewards Value: 2%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
1x
Everything Else
Estimated Rewards Value: 1%
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  • Earns 5X on office supply stores, cable, internet, and phone
  • Points earned can be transferred to other eligible Chase Ultimate Rewards cards
  • No annual fee

Pros

  • Great 5X (office supplies, cable, internet, phone) and 2X (gas stations and dining) bonus categories.
  • No annual fee
  • Points earned can be combined to a Chase Ink PreferredĀ®, Chase Sapphire PreferredĀ® Card, or Chase Sapphire ReserveĀ® Card

Cons

  • Charges a foreign transaction fee
  • Rewards earned are only cash back unless you have a Chase Ink PreferredĀ®, Chase Sapphire PreferredĀ® Card, or Chase Sapphire ReserveĀ® Card to unlock points transfers
  • Earns only 1% on non-bonus categories
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

APR: 0 % Intro APR (on purchases for 12 months, 18.49%-24.49% thereafter)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 1, 2023
Intro bonus:
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All information about the Hilton Honors American Express AspireĀ® Card has been collected independently by Your Best Credit Cards.

Hilton Honors American Express AspireĀ® Card

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(4.4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 180,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/17/2024. Terms apply.

Bonus points for spend in the following bonus categories:

At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points

14x
Hotels
Estimated Rewards Value: 7%
7x
Airfare
Estimated Rewards Value: 3.5%
7x
Car Rentals
Estimated Rewards Value: 3.5%

U.S. dining, including takeout and delivery

7x
Dining Out / Food Delivery
Estimated Rewards Value: 3.5%
3x
Everything Else
Estimated Rewards Value: 1.5%
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  • Diamond Elite Status
  • Up to $889 in annual statement credits (Terms apply)
  • An annual Free Night Reward with no cap on value

Pros

  • Diamond Elite Status
  • Up to $889 in annual statement credits (Terms apply)
  • An annual Free Night Reward with no cap on value

Cons

  • Points earned are only good for booking Hilton family stays
  • High annual fee (but not really, considering the value)
  • We really can't think of a third!
Annual Fee: $550
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.005

Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point. What is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely.

Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 1, 2023
Intro bonus:
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All information about the Marriott Bonvoy BoundlessĀ® Credit Card has been collected independently by Your Best Credit Cards.

Marriott Bonvoy BoundlessĀ® Credit Card

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(3.9) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Annual Fee:
$95

Bonus Offer

Earn 3 Free Nights (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Earn 6X when you book Marriott Bonvoy properties direct. Earn 2X on all other hotel bookings.

6x
Hotels
Estimated Rewards Value: 3.6%
3x
Gas Stations
Estimated Rewards Value: 1.8%
3x
Dining Out / Food Delivery
Estimated Rewards Value: 1.8%
3x
Groceries
Estimated Rewards Value: 1.8%
2x
Everything Else
Estimated Rewards Value: 1.2%
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  • Earn a free night award every year worth up to 35,000 Marriott Bonvoy points
  • Earn an outstanding 6X points per dollar for stays at Marriott Bonvoy hotels and resorts.
  • Automatic Marriott Bonvoy Silver elite status, with a pathway to Gold status every year by spending $35,000+ on the card

Pros

  • The annual free night award on the card is worth around $210 based on our estimations - more than double the $95 annual fee
  • The card is especially rewarding on Marriott purchases, with the ability to earn an excellent 6X multiplier at Marriott Bonvoy properties
  • Great travel card all around, thanks to travel protections and no foreign transaction fees

Cons

  • $95 annual fee
  • Silver elite status doesn't provide many perks on its own, so it's worth it to achieve Gold status or upgrade to a higher-tier Marriott Bonvoy credit card
  • Only earns 2x Marriott Bonvoy points per dollar after reaching the $6,000 cap on combined purchases on grocery stores, gas stations and dining
Annual Fee: $95
Foreign
Transaction Fee:
0%
Point
Value:
$0.006

While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world.

APR: 20.24%-27.24% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 1, 2023
Intro bonus:
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American Express is an Advertising Partner

Marriott Bonvoy BusinessĀ® American ExpressĀ® Card

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(3.9) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott BonvoyĀ® points for each bonus Free Night Award, at hotels participating in Marriott BonvoyĀ®. Certain hotels have resort fees.

Bonus points for spend in the following bonus categories:

6X only applies to Marriott Bonvoy hotels booked directly with Marriott or the hotel. Otherwise, earn 2X.

6x
Hotels
Estimated Rewards Value: 3.6%

At U.S. gas stations

4x
Gas Stations
Estimated Rewards Value: 2.4%

With U.S. Cellular Providers

4x
Cellular Phone Service
Estimated Rewards Value: 2.4%

Worldwide

4x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%

With U.S. Shipping companies

4x
Shipping
Estimated Rewards Value: 2.4%
2x
Everything Else
Estimated Rewards Value: 1.2%
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 more
  • Earn an annual free night award after your card renewal month (with a redemption level of up to 35,000 Marriott Bonvoy points - or 50,000 if you "top off" with up to 15,000 of your own additional points) with the opportunity to earn an additional free night award from spend
  • A solid 7% room rate discount at 8,500+ properties participating in the Marriott Bonvoy program
  • Complimentary Marriott Bonvoy elite status (Gold) and 15 annual elite credits with your card membership

Pros

  • Earn 4x Marriott Bonvoy points at a wide variety of everyday business categories, including restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. purchases for shipping.
  • Free night awards galore! You'll earn one upon card renewal with the opportunity to earn an additional free night award after spending $60,000+ in a calendar year
  • Complimentary Gold elite status for 25% bonus points on Marriott purchases, 2 p.m. (based on availability) late checkout and space-available enhanced room upgrades

Cons

  • $125 annual fee
  • Free night award is capped at 35,000 points, although you can use up to 15,000 points of your own to increase that to a 50,000 point room
  • Marriott Bonvoy Gold elite status does not offer a ton of perks compared to other hotel loyalty programs or the higher Marriott Bonvoy tiers
Annual Fee: $125
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.006

While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world.

APR: 20.99%-29.99% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 1, 2023
Intro bonus:
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All information about the Hilton Honors SurpassĀ® Credit Card has been collected independently by Your Best Credit Cards.

Hilton Honors SurpassĀ® Credit Card

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(3.8) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 170,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/17/2024. Terms apply.

Bonus points for spend in the following bonus categories:

At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points

12x
Hotels
Estimated Rewards Value: 6%

U.S. gast stations

6x
Gas Stations
Estimated Rewards Value: 3%

U.S. dining, including takeout and delivery

6x
Dining Out / Food Delivery
Estimated Rewards Value: 3%

U.S. Supermarkets. * American Express defines aĀ supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

6x
Groceries
Estimated Rewards Value: 3%

U.S. Online Retail Shopping

4x
Online Retail Shopping
Estimated Rewards Value: 2%
3x
Everything Else
Estimated Rewards Value: 1.5%
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 more
  • Very high earn rate for all spend at Hilton properties (12X)
  • Comes with complimentary Hilton Gold elite status
  • Offers the ability to earn a valuable Free Night Reward with $15,000 in spend in a calendar year

Pros

  • If you stay at Hilton Hotels often, the 12X earn rate on Hilton Hotels will really add up.
  • Includes mid-tier Hilton Gold status, a way to spend to Diamond status
  • Spend your way to a Free Night Reward valid at almost any Hilton property in the world

Cons

  • The card only earns Hilton Honors points, so you would not be able to redeem them for stays at other hotel chains.
  • Earning a specific type of co-branded point, like Hilton Honors points, limits your redemption opportunities and your points balance may be worth less over time if the program changes how points are redeemed via a devaluation of the loyalty program.
  • The Free Night Reward available with this card requires $15,000 in annual (calendar year) spend
Annual Fee: $150
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.005

Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point. What is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely.

Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: December 1, 2023
Intro bonus:
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$0
Point value
$0.01
Best Multiplier
5x Amazon / Whole Foods
5x Airfare
+ 6 more
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$395
Point value
$0.016
Best Multiplier
10x Car Rentals
10x Hotels
+ 2 more
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$150
Point value
$0.005
Best Multiplier
12x Hotels
6x Gas Stations
+ 4 more
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$95
Point value
$0.005
Best Multiplier
12x Hotels
6x Airfare
+ 6 more
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CitiĀ® Diamond PreferredĀ® Credit Card

Annual fee
$0
Point value
$0.01
Best Multiplier
0x Everything Else
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Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Transit
+ 4 more
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Annual fee
$250
Point value
$0.017
Best Multiplier
4x Groceries
4x Dining Out / Food Delivery
+ 2 more
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Annual fee
$250
Point value
$0.01
Best Multiplier
1.5x Everything Else
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Annual fee
$0
Point value
$0.01
Best Multiplier
6x Groceries
6x Streaming Services
+ 3 more
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Citi Custom Cashā„  Card

Annual fee
$0
Point value
$0.01 -
$0.016
Best Multiplier
5x Airfare
5x Transit
+ 10 more

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