Many of us aren’t currently doing much traveling, but we are still earning points through credit card spend. This brings up the question of which cards to use and which types of rewards to focus on. Nick recently took a look at some current hotel credit card promotions and answered the question of whether it was better to earn 12X Hilton points or 6X Marriott. In this post, I stepped back to look at normal non-promotional card earnings. Specifically, I wanted to see how much credit card spend is normally required to earn free nights at various hotel chains. To keep things simple, I tackled this question only for Hyatt, Hilton, and Marriott.
What’s New
The original version of this post was published on May 14th 2018. Since then there have been significant changes to credit card bonuses, and I’ve re-thought how to identify mid-tier hotels. Most importantly, the new version considers the fact that points can be transferred from Amex Membership Rewards to Hilton (1 to 2) or to Marriott (1 to 1). Here are the specific changes and additions to this post:
- Updated card names (previously listed Starwood Preferred Guest cards, for example)
- Removed old Hyatt Visa Signature card and added World of Hyatt card
- Added Chase Ink Unlimited card.
- Added a number of Amex Membership Rewards cards. With the Blue Business Plus offering 2X everywhere (up to $50K spend), and the Amex Gold Card offering up to 4X, the new numbers in this post are very different from before.
- Changed the mid-tier hotel targets. Previously I estimated the number of points required for a mid-tier hotel by using our Reasonable Redemption Values and an average hotel night cost. In the new version, I picked a mid-tier category that is actually available on the award charts (or, in Hilton’s case, is a common award cost).
Credit Card Options
The following credit cards can be used to earn points in each hotel program:
Hyatt Point Earning Cards
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: 2X on fitness clubs and gym memberships ✦ 2X in the top 3 spend categories each calendar quarter. Eligible categories include dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping ✦ 4X Hyatt and Mr & Mrs Smith |
Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt and Mr & Mrs Smith |
Cards that earn Chase Ultimate Rewards points are included next because Chase points can be transferred one to one to Hyatt as long as you have one of the cards with a fee. In other words, you can earn 5X rewards with the no-fee Freedom and/or Ink Business Cash card and then move those points to a card with a fee (Sapphire Reserve, for example), then transfer to Hyatt:
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q4 2024: McDonalds, PayPal, Pet Stores & Selectr Charities) |
Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 1.5X everywhere else |
Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 5X Lyft (through March 2025) ✦ 10% annual point bonus |
Earning rate: 10X hotels & car rentals booked through Chase Travel℠ ✦ 10X Chase Dining ✦ 5X flights booked through Chase ✦ 3X Travel and Dining ✦ 10X Lyft (through March 2025) |
Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5X Lyft through March 2025 |
Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ✦ 5X Lyft through March 2025 |
Earning rate: 1.5X on all purchases ✦ 5X Lyft through through March 2025 |
Hyatt Best Options for Spend
- No Category
- 1.5X: Freedom Unlimited or Ink Business Unlimited
- Gas
- 2X: Ink Business Cash
- Office Supply Stores
- 5X: Ink Business Cash (Up to $25K/year)
- Dining
- 3X: Sapphire Reserve
- 2X: Hyatt, Sapphire Preferred, Ink Business Cash
- Travel
- 3X: Sapphire Reserve, Ink Business Preferred (Up to $150K/year 3X categories)
- 2X: Hyatt, Sapphire Preferred
- Rotating Categories
- 5X: Freedom (Up to $1,500 per quarter)
Hilton Point Earning Cards
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: ✦ 14X Hilton spend ✦ 7X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies ✦ 3X on all other eligible purchases ✦ Terms & Limitations Apply. |
Earning rate: ✦ 12X Hilton spend ✦ 5X on other eligible purchases (on the first $100K in purchases per calendar year, 3X thereafter). |
Earning rate: ✦ 7X Hilton eligible Hilton purchases ✦ 5X US restaurants, US Supermarkets, and US gas stations ✦ 3X on all other eligible purchases |
Earning rate: ✦ 12X Hilton spend ✦ 6X U.S. restaurants, US Supermarkets, and US gas stations ✦ 4X U.S. Online Retail Purchases ✦ 3X on all other eligible purchases |
Cards that earn Amex Membership Rewards points are included next because Amex points transfer 1 to 2 to Hilton (and sometimes more when Amex offers a transfer bonus). To calculate the number of Hilton points earned with each card, simply double the card’s earning rate. For example, the Amex Gold Card earns 4X points at restaurants and so you can say that it earns 8X Hilton points at restaurants:
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: Earn 4X in combined purchases in the two eligible categories where your business spends the most each month (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦U.S. purchases at restaurants ✦Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply. |
Earning rate: 3X points for flights booked with airlines or on amextravel.com ✦ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ✦ 4x at restaurants worldwide (up to $50k in purchases, then 1x) ✦ 1X points on other purchases. Terms apply. (Rates & Fees) |
Earning rate: ✦ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ✦ 3X dining ✦ 1X points on other purchases. Terms apply. See |
Earning rate: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. With 30 or more purchases, earn: 4.5x points at US supermarkets on up to $6,000 per year in purchases (then 1.5x) ✦ 3x points at US gas stations ✦ 1.5x points on other purchases. |
Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees) Base: 2X (3.1%) |
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X points for prepaid hotels booked through American Express Travel |
Hilton Best Options for Spend
- No Category
- 4X: Blue Business Plus (2X Amex, Up to $50K/year)
- 3X: Everyday Preferred w/ 30 purchases per billing cycle (1.5X Amex)
- 3X: Any Hilton card
- Grocery (US supermarkets only)
- 9X: Everyday Preferred w/ 30 purchases per billing cycle (4.5X Amex, up to $6K/year, then 1.5X)
- 8X: Amex Gold (4X Amex, up to $25K/year, then 1X)
- 6X: Hilton Surpass
- Gas (US gas stations only)
- 8X: Business Gold (4X Amex)
- 6X: Everyday Preferred w/ 30 purchases per billing cycle (3X Amex)
- 6X: Hilton Business card, Hilton Surpass
- Dining
- 8X: Gold Card (4X Amex)
- 7X: Aspire
- Travel (airfare + hotels booked through Amex Travel)
- 10X: Platinum Cards (5X Amex)
- 8X: Business Gold (4X Amex)
- 7X: Hilton Aspire
Marriott Point Earning Cards
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: ✦ 2X airline, car rental, & restaurants ✦ 5X Marriott. |
Earning rate: ✦ 6X Ritz & Marriott.✦ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ✦ 2X everywhere else |
Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ✦ 2X on all other eligible purchases |
Earning rate: ✦ 3X Marriott Bonvoy ✦ 2X grocery stores, rideshare, select food delivery, select streaming, and internet, cable and phone services ✦ 1X everywhere else |
Earning rate: ✦ 6X Marriott Bonvoy ✦ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ✦ 2X everywhere else |
Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else |
Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases |
Earning rate: 6x at Marriott Bonvoy properties ✦ 4x at restaurants worldwide, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ✦ 2x on all other eligible purchases. Terms Apply. (Rates & Fees) |
Earning rate: 6X Marriott ✦ 4X dining, internet, cable and phone service ✦ 4X gas stations and shipping ✦ 2X everywhere else. |
Earning rate: 6X Marriott ✦ 2X on all other eligible purchases |
As with Hyatt, Chase Ultimate Rewards cards can be used to earn Marriott points (but in this case I don’t particularly recommend it). And, like Hilton, points can be transferred from Amex Membership Rewards to Marriott (but only 1 to 1 unless a transfer bonus is in effect). I don’t recommend transferring points from these programs to Marriott since you’ll generally lose value in doing so, but this post would be incomplete without considering it. You can see the eligible Chase Ultimate Rewards cards in the Hyatt section above, and the relevant Amex Membership Rewards cards in the Hilton section above.
Marriott Best Options for Spend
- No Category
- 2X: Blue Business Plus (Up to $50K/year)
- 2X: Most Marriott cards
- Grocery (US supermarkets only)
- 4.5X: Everyday Preferred w/ 30 purchases per billing cycle (Up to $6K/year, then 1.5X)
- 4X: Amex Gold (Up to $25K/year, then 1X)
- Gas
- 4X: Amex Business Gold (US gas stations only)
- 4X: Bonvoy Premier Plus Business, Bonvoy Business Amex (US gas stations)
- Office Supply Stores
- 5X: Ink Business Cash (Up to $25K/year)
- Dining
- 4X: Gold Card
- 4X: Bonvoy Business Amex (US restaurants)
- Travel
- 5X: Amex Platinum Cards (airfare + hotels booked through Amex Travel)
- 4X: Amex Business Gold (airfare + hotels booked through Amex Travel)
- 3X: Chase Sapphire Reserve, Chase Ink Business Preferred (Up to $150K/year 3X categories)
- 3X: Ritz, Bonvoy Brilliant Amex (airfare charged by airline)
- Rotating Categories
- 5X: Freedom (Up to $1,500 per quarter)
Points Required for Free Nights
The following table shows the number of points required for a free night with each hotel chain:
| Hotel Type |
Marriott | Hyatt | Hilton |
| Bottom Category Off-Peak | 5,000 | 3,500 | 10,000 |
| Mid Category Standard | 35,000 | 15,000 | 50,000 |
| Top Category Peak | 100,000 | 45,000 | 95,000 |
Let me explain…
- Hyatt will be adding peak and off-peak rates starting in 2021. I used the award prices expected to kick in then.
- Hyatt has some specialty properties that price even higher than 45,000 points per night (Mirival resorts, for example, cost 65,000 points per night for 2 adults). On the other hand, most of their best properties top out at 30K standard and 35K peak. So, one can easily make a convincing argument that I picked a top category peak price that was either too high or too low. I picked 45K because I expect that more Hyatt properties will move into this category in the next year or two.
- Hilton doesn’t technically have an award chart nor peak/off-peak pricing per se, so I used the “usual” award prices for standard awards. On the bottom end, there exist some Hilton hotels priced at only 5,000 points per night, but those are extremely rare. Instead, I went with 10,000 as the bottom. On the top end, there is at least one property in which standard prices are above 95,000 (Waldorf Astoria Maldives Ithaafushi), but most of the best properties top out at 95K standard. Use Hilton’s Points Explorer (found here) to get an idea of what a property might cost.
- I somewhat arbitrarily picked a mid tier category for each brand. In my experience, 35K Marriott hotels are roughly equivalent to 15K Hyatts and 50K Hiltons.
Credit card spend required for free nights
Using the best available credit card for each type of spend, let’s look at what how much credit card spend will get you a free night:
Base Spend (No Category Bonus)
This chart shows the results of credit card spend at places that don’t offer category bonuses on any of the hotel cards listed above. Examples of such spend include shopping malls, drugstores, miscellaneous online shopping, tax payments, etc.
| Hotel Type |
Marriott |
Hyatt | Hilton |
| Spend Multiplier | 2X | 1.5X | 4X |
| Bottom Category Off-Peak | $2,500 | $2,333 | $2,500 |
| Mid Category Standard | $17,500 | $10,000 | $12,500 |
| Top Category Peak | $50,000 | $30,000 | $23,750 |
At the bottom end, the chains are roughly equal. For mid-tier hotels, Hyatt has the edge with Hilton close behind. And for top tier hotels, Hilton has the edge with Hyatt close behind.
Supermarket Spend
This chart shows credit card spend using the best available card at supermarkets. This does not account for the fact that the Chase Freedom card sometimes offers 5X at supermarkets.
| Hotel Type |
Marriott |
Hyatt | Hilton |
| Spend Multiplier | 4X | 1.5X | 8X |
| Bottom Category Off-Peak | $1,250 | $2,333 | $1,250 |
| Mid Category Standard | $8,750 | $10,000 | $6,250 |
| Top Category Peak | $25,000 | $30,000 | $11,875 |
Hilton appears to be a very good choice for mid category hotels and an outstanding choice for top category hotels.
Note that for Marriott and Hilton, I assumed the use of the Amex Gold card which offers 4X at US Supermarkets on up to $25K spend per year. Technically, you can do even better with the Everyday Preferred card which can earn up to 4.5 points per dollar (9X Hilton), but that is capped at $6,000 spend per year so it is only practical for manufacturing bottom category free nights.
Gas Station Spend
This chart shows credit card spend using the best available card at gas stations (US only for Hilton). This does not account for the fact that the Chase Freedom card sometimes offers 5X at gas stations.
| Hotel Type |
Marriott |
Hyatt | Hilton |
| Spend Multiplier | 4X | 2X | 8X |
| Bottom Category Off-Peak | $1,250 | $1,750 | $1,250 |
| Mid Category Standard | $8,750 | $7,500 | $6,250 |
| Top Category Peak | $25,000 | $22,500 | $11,875 |
Hilton is again looking good in the middle and great at the top end. One caveat: some stores that code as gas stations with Visa/Mastercards do not necessarily code that way with Amex cards (Marriott & Hilton).
Office Supply Spend
This chart shows credit card spend using the best available card to pay at office supply stores (e.g. Staples, Office Depot, etc.).
| Hotel Type |
Marriott |
Hyatt | Hilton |
| Spend Multiplier | 5X | 5X | 4X |
| Bottom Category Off-Peak | $1,000 | $700 | $2,500 |
| Mid Category Standard | $7,000 | $3,000 | $12,500 |
| Top Category Peak | $20,000 | $9,000 | $23,750 |
Wow. Thanks to the Ink Business Cash card and Hyatt’s better award chart, Hyatt stays require far less spend than Marriott or Hilton at office supply stores.
Accounting for 4th Night Free
It’s worth noting that Hyatt does not offer a 5th night free on award stays whereas Marriott and Hilton do. If you assume that you will always spend 5 nights at hotels on award stays (seems unlikely to me!), then you can multiply all of the Marriott and Hilton spend totals above by .8 to get a more fair comparison. For example, here’s the base spend (no category bonus) chart again after correcting for 5th night free:
| Hotel Type |
Marriott |
Hyatt | Hilton |
| Spend Multiplier | 2X | 1.5X | 4X |
| Assume 5th Night Free? | Yes | No | Yes |
| Bottom Category Off-Peak | $2,000 | $2,333 | $2,000 |
| Mid Category Standard | $14,000 | $10,000 | $10,000 |
| Top Category Peak | $40,000 | $30,000 | $19,000 |
Now Marriott and Hilton look slightly better than Hyatt at the bottom, Hilton catches up to Hyatt in the middle, and Hilton pulls further away from the competition at the high end.
Let’s now look at this again with supermarket spend:
| Hotel Type |
Marriott |
Hyatt | Hilton |
| Spend Multiplier | 4X | 1.5X | 8X |
| Assume 5th Night Free? | Yes | No | Yes |
| Bottom Category Off-Peak | $1,000 | $2,333 | $1,000 |
| Mid Category Standard | $7,000 | $10,000 | $5,000 |
| Top Category Peak | $20,000 | $30,000 | $9,500 |
Hilton was already looking great with supermarket spend, but when accounting for 5th night free awards, Hilton looks even better.
And let’s see if Hyatt can maintain its superiority for office supply spend:
| Hotel Type |
Marriott |
Hyatt | Hilton |
| Spend Multiplier | 5X | 5X | 4X |
| Assume 5th Night Free? | Yes | No | Yes |
| Bottom Category Off-Peak | $800 | $700 | $2,000 |
| Mid Category Standard | $5,600 | $3,000 | $10,000 |
| Top Category Peak | $16,000 | $9,000 | $19,000 |
Hyatt still looks good with office supply spend despite not offering 5th night free awards.
Methodology Issues
This post does not take into account varying annual fees or category bonus caps. For example, a lot of the advantage Hilton has over the competition has to do with the great category bonuses on the Amex Gold Card. But the Gold Card only earns 4X at US Supermarkets on the first $25K of supermarket spend each calendar year. And it has a significant annual fee ($250 at the time of this writing).
Another big miss in the methodology is that there is no consideration of earning cash back and using that to book nights. Nor is there consideration of using Chase points, for example, to book nights through Chase’s travel portal.
A related miss is the fact that Hilton points can often be bought for half a cent each when Hilton offers a point sale (which they do often). If we took this into account, Hilton would look even better. At office supply stores, for example, you’d be able to earn 5X Chase points and covert that to 5% cash back and then to 10X Hilton points (by buying points for a half cent each). Another play is to get the Schwab Platinum card which allows cashing out Amex points at 1.25 cents each. When you combine this card with bonus categories on other Amex Membership Rewards cards, you can indirectly earn even bigger Hilton multiples. For example, you can turn 2X everywhere into 2.5% back everywhere, which becomes 5X Hilton points everywhere! Or, you can turn 4X supermarket spend into 5% back, which becomes 10X Hilton points at supermarkets.
Conclusion
If you have the Chase Ink Cash card, which offers 5X at office supply stores (up to $25K spend per year), and if you spend a lot at those stores, then that’s a fantastic way to earn Hyatt stays. The same can be said for earning 5X with Chase Freedom’s rotating categories. In either case, you need to have a Chase Ultimate Rewards card with an annual fee in your household so that you can move the points to that card and then to Hyatt to book your awards.
With almost any other category of spend, you’re probably better off looking to earn Hilton stays. A lot of this is driven by the fact that Amex Membership Rewards points transfer 1 to 2 to Hilton and that Amex has some great category bonuses on their cards. For example, the Blue Business Plus card earns 2X Amex points everywhere (4X Hilton) on your first $50K of spend each calendar year. Similarly the Amex Gold card earns 4X Amex points at US Supermarkets (8X Hilton) on your first $25K of spend each calendar year.
All of that said, transferring Amex points to Hilton is not a recommended approach except when Amex offers a big transfer bonus. Since Hilton regularly sells points for only a half cent each, transferring Amex points 1 to 2 to Hilton gives you only 1 cent per Amex point value. That’s not very good compared to outsized value that is possible when transferring to certain airline programs for sweetspot awards.
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New Wyndham card looks really good against these for gas
This is timely since I just received an Amex Hilton aspire offer in the mail today. 175k points with $4k spend. I don’t have a hotel card currently. Seems pretty good, but from the article it seems that Hilton points are cheap so maybe 175k is not that great. Thoughts?
Sorry it was Hilton Surpass not aspire offer that I received.
175K is an excellent offer for the Surpass card (and would be a better than usual offer for the Aspire card). Think about it this way: with Hilton points worth around half a cent each, 175,000 points equals about $875 in hotel stays.
What about the second free night for Hyatt when you spend 15,000 on the card in 12 months? Maybe I’m wrong to prioritize that before putting spend on other cards? So many things to take into account, makes my head spin..
I hadn’t considered that but yeah that does change things. The first $15,000 of spend on the Hyatt card gives you 2 free mid-tier nights. One is from the free night cert and the other is from the 15,000 points earned. That’s better than the other programs except the Hilton Surpass or Hilton Business cards which also offer a free night after $15K spend. With either of those cards, $15K spend gives you 45K points (almost enough for a mid-tier night) and a free weekend night certificate good at a top tier property.
Great comparison Greg! Just like me, you sure do love to use all kinds of variable calculations on which your arguments are based on.
I found one little thing I wanted to point out. You mentioned how the top category for now two resorts is more than 95k. It is not a very well known fact, but the lowest Hilton category is actually 5,000 points per night and not 10k. However, I fully accept your 10k as calculative basis (as you also took 95k and not 120k as high tier peak), because the 5k hotels are in Turkey, Egypt and a single Garden Inn next to the airport in Bali. So not exactly easy to redeem for U.S. based Hilton loyalists. However, maybe you want to think about mentioning that as well under the “Points Required for Free Nights” section.
Thanks HChris. I previously had a sentence in the post about why I chose to go with 10K instead of 5K, but somehow I lost it. I’ve now added a version of it back. In the original version of this post, the reasoning I pointed out was that when we created a map of all of the bottom-tier Hilton hotels, we didn’t find any at 5K in the US (https://frequentmiler.com/10000-point-hilton-properties-us/). That post and map are pretty old though, so I don’t know how relevant that is today.
What a super article. I love this kind of deep-dive number crunch article.
Love you site …..I also live in hotels for the last 9 years full time …yes love Stephen page ……..one thing you may have not taking into consideration is that Hilton has 0 cat 1 properties in USA and they only have 15 cat 2 properties
Where Marriott has 272 cat 1 and 1162 cat 2 and also 2468 cat 3 which are all below a Hilton cat 3
So your math looks good on paper but not in Reality when comparing cat 1 or cat 2 between Hilton and Marriott
If I’m in one of those countries where I find a Hilton category 1 I’ll just buy points to get a 5 night stay for 20.00 a night
That’s a really good point. The bottom category numbers don’t mean much if you can’t find any!
I am more interested in now so that makes Hyatt far superior at the top tier. With COVID manufacturing for the future seems ill advised unless you have a crystal ball into the future!
I’m more interested in now! That makes Hyatt far superior at the top tier. With COVID-19 manufacturing for the future seems ill advised unless you have a crystal ball into the future.
Under Hilton, the AMEX Everyday Preferred Card (w/30 transactions a month) earns 4.5 MR points per $1 spent on groceries – making it 9x for Hilton points. You seem to have included EDP in the gas station spend category, but not groceries. For Marriott, you eliminated the EDP altogether.
Good catch. I added EDP into the sections for best cards to use for grocery. I didn’t use it in the comparison calculations, though, because the $6K/year cap is so low.
Nice article,I have began researching this also.
Presently have free nights at all 3 plus IHG! But recent changes at Marriot have given me pause. Booked pre trip hotel at Westin beach in ft lauderdale for Jan at 35k , looked to also book later in February 120k!!!!!!! Not happening! Bye bye Marriot!!!
[…] nights and Greg wrote a post comparing the cost of manufacturing free nights via credit card (See: Manufacturing free nights (Hyatt, Hilton, Marriott)). In that post, he included the following chart showing the number of points required for a free […]
Since we are taking into consideration non cobranded annual fee cards with transferable points, supermarket spend on Marriott can be at 4x considering the Amex Gold (personal MR card) earns 4x. Also, the gas station spend can be 8x using the biz gold if the transferring of points to Hilton are done during non promo dates.
Just came across this article. Of course not with the World of Hyatt card and 15k spend for free night and 2x spend on that card in a number of categories, it changes the equation for Hyatt MS.
But re Hilton, this is why I don’t get all the hype around the Hilton Aspire. You lay out $450 and yes, in a very, very, very restrictive manner “can” recover your $450+. Or you could MS 40k spend to get your diamond status and then have 240k hh points to do as you please- very close to enough points in your pocket for 5 nights at your top tier, where having Diamond might actually be useful. All this for slightly more out of pocket for MSing at grocery store , plus of course $95, but also add in the free night you get for spending 15k.
So for someone willing to MS why would you choose the Aspire over Ascend?
That’s a great question. Here’s one answer (I don’t have either card at the moment so I’m just a bystander here): If you frequent Hilton hotels, the Aspire is worth getting even if you have (and value) the Ascend card. The reason is that the Aspire card has multiple perks that can easily outweigh the annual fee:
– $250 resort credit each membership year
– $250 airline fee credit each calendar year
– Free weekend night each membership year
If you get close to full value from the resort credit and airline fee credit, then the weekend night is basically free.
[…] rewarding (Greg’s take was a bit different than mine) and then Greg ran the math on how Hilton’s not even a bad deal in terms of manufacturing free nights in some instances. However, I wrote a post a year ago about Hilton’s poor math skills when it […]
[…] earn free nights with Marriott, Hyatt, and Hilton (based on the new Marriott chart) — see: Manufacturing free nights (Hyatt, Hilton, Marriott). Under almost every condition Greg considered — from unbonused spend to grocery store spend […]