Is it worth spending $30K on a hotel card?


Recently, Club Carlson re-branded as Radisson Rewards. As part of the re-brand, they announced a new benefit on the Radisson Rewards Credit Cards (still known as the Club Carlson Rewards credit cards as of the time of writing, but slated to change at some point) — see: New big spend bonus: more free annual nights with Radisson Visa cards. While you were previously able to earn a free night certificate with $10,000 spend in a cardmember year, you can now earn up to three free night certificates — one with each $10K spend in a calendar year (up to 3 nights for $30K spend). I’ve been thinking about that a lot lately and wondered: Is it worth spending $30K on a hotel credit card?

a close-up of a credit card

Basic Card Earnings vs 2% cash back: not great, but not bad

Before considering the value of the free night certificates, it made sense to consider the opportunity cost of the return on spend. The Club Carlson Premier Rewards Visa Signature earns 5x everywhere, with the only bonus category being Radisson spend (10x). This means that $30,000 in spending yields 150,000 Club Carlson points. According to our Reasonable Redemption Values, which are based on the Pointimize Median Observed Values of 11/14/17, Club Carlson / Radisson Rewards points are worth about 0.38 cents each. That makes 150K points worth about $570. The true value for you will depend on how you use the points — but median redemptions should yield around that much in value.

If one were to instead spend $30,000 on a card earning 2% cash back, the return would be $600. That means the Club Carlson Visa isn’t a terrible value proposition for spend (based on points alone before considering the free night certificates), though it’s not worth it unless you can redeem your points for better-than-median value.

There is also the annual fee to consider: the Club Carlson Premier Rewards Visa Signature comes with a $75 annual fee, though it also offers 40,000 points at each anniversary. Based on the 0.38 cents-per-point valuation above, that’s a value of about $152 in points. I’m not going to declare this card an annual money-maker, but it’s a value I can live with. The annual fee on the business version is only $60.

Of course, some would say that $30,000 of spend could be used to earn multiple new signup bonuses. There is no doubt that it will be more valuable to earn 10 signup bonuses than 1 big spend bonus in almost every conceivable situation. For the purposes of this post, I’m going to assume that you follow our updates on How to increase credit card spend and get most of it back. What still works? and our Manufactured Spending Complete Guide so that it’s not an either/or proposition.

Certificates have a huge restriction

a map of the united states

For starters, the fact that these free night certificates are geographically-restricted is a non-starter for some. Radisson Rewards continues to limit the use of the free night certificates earned from spend to properties in the US. Most of Radisson’s nicer properties are overseas; the free night certificates based on each $10K spend will not be usable at those properties. The options within the US generally aren’t center-city or resort locations, so if you’re looking for luxury, it isn’t worth putting $30K spend on a Club Carlson Card.

More properties in the US than I expected

Radisson Rewards keeps a full list of properies on this page. The format of that page lent itself well to a spreadsheet so I could eliminate the Canadian properties from North America (Mexico & The Caribbean are already in a separate region). What remained were 553 properties in the US where free night certificates could possibly be used. Wow — that was a lot more than I’d expected, even after looking at the map view of Radisson properties in the US.

a map of the united states

For what it’s worth, out of 553 properties in the US, the majority (289) are in Category 3, requiring 28,000 points per night. You would get 5 free nights at one of those Category 3 properties with the 150K from $30K spend on the card in addition to the 3 free night certificates earned. Of course, remember that unlike the certiciates, points can be used worldwide – so while the rest of my examples assume using the points domestically in conjunction with the three free night certificates, you aren’t limited to domestic redemptions on the points side.

Some sweet spots for regular family travel

While I certainly enjoy traveling internationally, I know that many (most) Americans more often travel domestically. For domestic USA trips, the Club Carlson cards stack up better than I may have thought when considering popular family vacation destinations.

For example, the Country Inn & Suites Virginia Beach lists the word “Oceanfront” in parenthesis in its name, and for good reason. Here is an image from Google Maps:

a group of people walking on a sidewalk next to a beach

I wouldn’t expect luxury at the Country Inn & Suites, but if you’re just looking to bring the kids to the beach, that certainly looks like it would fit the bill. After $30K in spending on the Club Carlson card, you would have enough points for 3 free nights (44K x 3 = 132K pionts), having enough points left over for a free night at one of the ~76 Category 1 & 2 properties in the US. With the additional 3 free night certificates earned based on spend (one for each $10K spend), you could spend 6 nights at the beach here after $30K spend. It turns out that’s not too bad of a value, as summertime cash rates can be high. Here is a random 6 nights in July (and yes, standard awards are available for 44K per night):

a screenshot of a hotel cost

If you actually might have considered spending $2,268.60 on such a stay, that’s like a 7.5% return on your $30K spend. That’s awesome. While the screen shot above shows 1 room with 2 adults, I also checked for 1 room with 2 adults and 2 children: the rate was the same and awards for a room with 2 queen beds were still available for 44K each night.

Also noteworthy is that six nights is based on $30K spend, not including the signup bonus or the annual 40K point anniversary bonus — whether you’ve just gotten the card or just gotten your anniversary bonus, you would be able to get at least a seventh night at this hotel, further increasing the ongoing value proposition for families looking for a Virginia Beach-type vacation.

Along the family vacation lines, if you’re looking to reduce costs on a trip to see Mickey Mouse, the highly-reviewed Radisson Hotel Orlando Lake Buena Vista offers free scheduled shuttle service to Walt Disney World and no resort fees:

a screenshot of a hotel

As a Category 4 property, this location costs 38,000 points per night. Four nights would cost 152,000 points — just a smidge more than you’d have after $30K in spend. Spending an additional $400 for the 2K extra points or using a few of the points from the signup or anniversary bonus woud get you 7 total free nights here. While the rate shown above is $121 per night, that is fully prepaid with no changes or refunds. The cheapest flexible rate rings in at an average of $156.14 per night for the same week in July that I used for the Virginia Beach property above.

a screenshot of a hotel

In this instance, you’d only be getting $1,229.65 in value for your $30K spend — though that’s still a return of better than 4%.

Points stretch even further at most US properties

Keep in mind that the examples shown above are Category 4 and Category 5. The vast majority of hotels in the United States are Category 3 locations, where your 150K points plus 3 free night certificates would get you eight free nights with points left over. Take for example the Radisson Hotel Branson, where eight nights over the same random summer week comes out to $1,397.93.

a screenshot of a hotel

Or perhaps you’d like to spend 8 nights at one of the ~40 Category 2 and 3 properties in Georgia. Or maybe you have family that lives in small town America, where room rates can be exorbitant due to low competition. I think Radisson shines with its Country Inn & Suites brand for that type of situation, with award categories remaining reasonable in comparison to cash cost.

Competitor Hotel Cards?

a group of credit cards

The closest competitor hotel cards would be the IHG card if you spend all of the nights at 5K point break hotels (make sure to check this card out before the $49 version disappears), the SPG card if you’re able to stretch out low category redemptions, or the Hyatt card again if you’re able to spend all of your nights at Category 1 locations. The advantage with those cards is of course that the reach of your free nights will span the globe. On the other hand, SPG has 118 Category 1 hotels worldwide, with only 11 in the United States. If you’re looking to travel within the United States, there are only 77 options in Category 1 and Category 2. Hyatt’s Category 1 footprint is better, but still not huge. By comparison, Radisson Rewards has a much broader reach — and those three free night certificates could also be used at top-tier properties like the Radisson Martinique on Broadway, potentially getting nearly as much value as some of the examples above out of the three free night certificates alone — with 150K points to spare.

Bottom line

The new Big Spend Bonus on the Club Carlson cards is a pretty good deal if you’re a domestic family traveler. While you won’t be able to use the certificates internationally and the points won’t put you in the lap of luxury, you can really stretch out a decent value for your $30K spend if you’re looking to travel with a family domestically. While I wouldn’t have previously considered spending so much on the card, I am very intrigued given the extra free nights now awarded for spend and think it might just be worth focusing some attention on my Club Carlson card.

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[…] written before about the Radisson card and why I like it despite the fact that I do not love Radisson hotels or the Radisson Rewards program. In short, the […]

[…] Radisson Rewards credit card carries what I have said is an interesting big spend benefit: get a free night certificate valid for US properties with each $10K you spend on the card during […]


ps, your reference to ~76 Cat 1&2 properties in the US surprises — as after the last nasty category changes there’s now only ONE remaining category 1 (9k points) left — near the Cincinnati airport. (which makes the stale promo line for the CC a serious joke) That said, I’ve stayed at many of the cat. 2 CI&S’s here in Virginia and elsewhere on family trips… often been pleasantly surprised. (commonly w/ small indoor pools, whirlpools, and always the included hot breakfasts w/ “real” diningware — i.e. no styro-foam)


Nice to see the Va Beach CI&S spot get a tout. (In season, hotels on that Wyndham-dominated strip — sic — can be quite expensive) My extended family stays there each summer & fall — and much like it. (to keep returning) As I’ve commented before, my own favorite Rad for US free night certs is the one in Melbourne — Florida. It’s an aging, yet still nice property — with a vanishing design — every room is a large suite, has floor-to-ceiling glass, full-length balconies, and EVERY room fronts the ocean. (none of the side view nonsense so common in newer beach front “resorts” ) That said, there are shoulder-season times of the years when I wouldn’t “waste” a “free night” there — when the cash rates fall below $100/n (then use the CUR points)

PS: The CI&Suites in Va Beach includes breakfast — another real plus for families there. (Radisson, as per the brand, does not)

[…] Is it worth spending $30K on a hotel card? by Frequent Miler. Maybe if the certificates could be used internationally it would, but the US based properties aren’t attractive options. […]


Most of the “free” nights that come with the Hotel cards (Raddisson, IHG, Hilton, Hyatt etc.) are mostly gimmics. They expire in one year and you can’t change it once booked beyond the expiration date (not all of them allow that either).
So, you have to tell yourslef “need to use it up or it will expire soon” and the pressure to make your Travel plan based these free nights location/availability and pooling to make it worthwhile vs. flexibility of points..


We just used our 4 free nights (4 Bonvoy credit cards) in Venice in August. Fantastic redemption for our $95 annual fees because the cost was 275 Euros per night.


good post


The FN limited inside US is useless because their foot prints are limited. Yeah the Chicago property is nice but then just how many of their cardholders find it convenient to redeem the cert at the Radisson Blu Chicago?

We made the mistake to put in $10K on our cards with the assumption we could use it for a road trip to the Rockies, without doing some research ahead of time… What a big mistake we made! They have zero presence in the whole area we would visit. So we were stuck with 2 FN certs that we struggled to use.

The past Sunday we just used up an expiring cert earned in 2016 at the Radisson Melbourne FL because it is only 4 hrs drive – it is more like “so not to waste it” type of redemption which at the end we should just forfeit it.
The other cert was used in SEA airport last Sept. The one was usable only due to the hotel had released rooms only 2 weeks before our date. Else that cert would go expire in January 2018.

Their Country Inn properties have VERY LITTLE presence near any National Parks, this makes this brand worthless to many who try to use award nights to reduce the high cost of a road trip geared towards National Park Visits. IHG and Marriott have had much better coverage.

All in all this program is only good for certain parts in Europe where the redemption value still is reasonable, or where there are hardly any other redemption opportunities, such as in Norway. Dont forget the root of this chain is from SAS the airline.

For anything else, this is a very mediocre card only good for the sign up bonus and not even worth the 40K anniversary bonus if your travel plans dont include the few locations that reward nights are good value. Definitely not worth putting $10K spend on this card for the FN cert.


Most of the Hotel cards are OK only in a small area I was surprised Marriot has a Few in CPT and Tel Avie too ..look hard before u waste a card apply .



I agree completely. We have 115k points and can’t find anywhere it makes sense to use them because there’s no award availability in the good properties like London during peak months like May-September. It doesn’t make sense to spend 28k per night at a crappy Country Inn that only costs $65 per night. We are struggling to find some place we can spend the points. We are cancelling the card.

Tom from Seattle

70000 points for a nice room is really excessive. When the Club Carlson system’s max room cost was 50,000 and you got two nights for the price of one on points, it was a terrific system. Essentially, a nice room now is nearly 3 X the points (25K vs 70K)

They do offer attractive value in both Latin America as well as India/China. But other than that, they aren’t worth the fuss in my opinion.


I got that 2 for one in London (2x) and Nice France (2x) on one trip.. .Oh the good old days i do Air points now but got the 125k amex Hilton good for S800 @ DoubleTree in Cairns Aus for say $150 .


I must have spent a month in Radisson Blus between Paris and London on multiple stops 🙂 Back what the mall charged only 2.95 per GC and MSing was a breeze


Yea, when you could live in radissons in london, paris, nyc, etc for ~$900/month, it was a pretty good program. It’s more compelling that just getting 1 night cert though, now you can do a long weekend (3 nights) in places like NYC, Philly, and Chicago. Would be nice if you could pay 10k points to upgrade it to a worldwide cert. Keeping the card open for the points isn’t half bad either. Its a night in Iceland for $66/year. Other decent uses in Europe as well.


The business card’s annual fee is $60. I have a few cards and regularly spend the $10K on each and get great value at the Radisson Martinique, and in Europe, Oslo, Biarritz, and alsoand Cape Town ZA.


the US limitation for redemption of free nights and the Foreign Transaction Fees (really? in 2018? on a travel card??) are the 2 big killers of this card for me. I’ll pass


US domestic road trips. Good balances across the different hotel chains lets you pick and choose redemptions as needed.


Would have been awesome if they had properties in popular National Parks in the west half of US, but it looks like their footprint west of the Rockies is really weak. I personally don’t need luxury but in high season hotel costs in parks easily get rapacious enough to where a simple overnight can be a ripoff.

The other good value would be travel in northern Europe, but the limitation of certificates to US is just too lame.


The Radisson Blu Aqua in Chicago is a fabulous property. Architecturally unique, well located, and had a very nice balcony with an incredible view! I had just watched the HBO documentary on photographer Vivian Maier, and was pleasantly surprised to find her work on display throughout the lobby.


That’s a fantastic hotel! My parents loved staying there when I was in college at Uchicago and they were visiting me. Their restaurant is excellent as well.


Thanks for exhaustively analysing this value proposition.
One additional factor: the free night certificates expire in one year. So you are not free to keep them for later travel. You are on their schedule.