Tuesday, January 25, 2022

    The best hotel credit cards of January 2022

    The best hotel credit cards of January 2022

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    Updated

    2021-12-29T22:26:33Z

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    Best hotel credit card Editor’s rating Best for Welcome bonus Learn more

    Chase Chase Sapphire Preferred® Card

    Chase Sapphire Preferred® Card

    A five pointed star 4.8 /5

    A tooltip

    Our editor’s ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria – relative to other products we’ve reviewed.

    Overall travel

    60,000 points

    A tooltip

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

    Apply Now

    Chase Chase Sapphire Reserve®

    Chase Sapphire Reserve®

    A five pointed star 4.65 /5

    A tooltip

    Our editor’s ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria – relative to other products we’ve reviewed.

    Travel coverage

    50,000 points

    A tooltip

    Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

    Apply Now

    American Express The Platinum Card® from American Express

    The Platinum Card® from American Express

    A five pointed star 4.75 /5

    A tooltip

    Our editor’s ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria – relative to other products we’ve reviewed.

    Luxury hotel perks and elite status

    100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership

    Apply Now Rates & Fees

    American Express Hilton Honors American Express Aspire Card

    Hilton Honors American Express Aspire Card

    A five pointed star 5 /5

    Hilton stays

    150,000 points after you spend at least $4,000 in your first 3 months of account opening

    Learn More

    Chase IHG® Rewards Club Premier Credit Card

    IHG® Rewards Club Premier Credit Card

    A five pointed star 4.8 /5

    IHG stays

    125,000 bonus points and a free night certificate after spending $3,000 on purchases within the first three months of account opening

    Apply Now

    Chase The World Of Hyatt Credit Card

    The World Of Hyatt Credit Card

    A five pointed star 4.5 /5

    Hyatt stays

    30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar spent on purchases that normally earn 1 point, up to $15,000 in the first six months of account opening

    Learn More

    Chase Marriott Bonvoy Boundless® Credit Card

    Marriott Bonvoy Boundless® Credit Card

    A five pointed star 4.59 /5

    Marriott stays

    3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories

    Apply Now

    Barclays Wyndham Rewards® Earner Plus Card

    Wyndham Rewards® Earner Plus Card

    A five pointed star 4.3 /5

    Wyndham stays

    45,000 bonus points after spending $1,000 on purchases in the first 90 days

    Learn more

    The best hotel credit cards of January 2022

    When considering a hotel credit card, it’s important to factor in your travel goals: Are you looking to stay at a five-star resort in the Maldives? Or do you want to be able to book a cheap staycation once or twice a year without paying an exorbitant annual fee?

    Read more: I haven’t paid for a hotel room in 10 years — here’s how I stay for free

    It’s also important to consider the card’s welcome bonus, recurring benefits, ease of earning free nights via credit card spending, category bonuses, and elite status perks (if any). 

    There are also a number of hotel credit cards that offer a free night after each account anniversary or for meeting spending thresholds. These nights can be worth much more than the cards’ annual fees, and make them worth keeping year after year.

    With that in mind, here are the best hotel credit cards.

    Best travel card overall: Chase Sapphire Preferred

    Regular APR

    15.99%-22.99% Variable

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  • Pros & Cons
  • Details
  • Pros
    • High sign-up bonus starts you off with lots of points
    • Strong travel coverage
    Cons
    • Doesn’t offer a Global Entry/TSA PreCheck application fee credit
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
    • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
    • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
    • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 03/31/22.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

    Read Our Review Read Our Review A looong arrow, pointing right

    If you’re loyal to a specific hotel brand, having a co-branded card makes a lot of sense, as it can get you complimentary elite status, bonus points, and other perks when you stay with that chain. (You’ll see our top card picks for each hotel brand further down in this guide).

    Read more: Chase Sapphire Preferred credit card review

    But if you care less about brand loyalty and more about earning as many points as possible, a general travel rewards credit card like the Chase Sapphire Preferred could make more sense. This card earns Chase Ultimate Rewards points (with 5x points on travel purchased through Chase Ultimate Rewards and 2x points on all other travel purchases, including hotels), which you can redeem for travel bookings through the Chase Travel Portal or transfer to partners including Hyatt, Marriott, and IHG to book).

    The Chase Sapphire Preferred also offers excellent travel insurance, so it’s a good card to use for hotel bookings and airfare.

    Read more: The Chase Sapphire Preferred card’s travel insurance has saved me over $4,000 — here’s why I’ll never cancel it

    The recent updates to the Chase Sapphire Preferred include the addition of up to $50 per year in statement credits for hotels booked through Chase. If you maximize this credit, you can shave off more than half of the card’s $95 annual fee.

    Best travel coverage: Sapphire Reserve

    Regular APR

    16.99%-23.99% Variable

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  • Pros & Cons
  • Details
  • Pros
    • Annual travel credit can effectively shave $300 off the annual fee if you use it
    • Strong travel insurance
    • Strong bonus rewards on travel and dining
    Cons
    • Very high annual fee
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
    • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 50,000 points are worth $750 toward travel’
    • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300 airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

    Read Our Review Read Our Review A looong arrow, pointing right

    The Sapphire Reserve is the higher-end sibling of the Chase Sapphire Preferred, with many of the same benefits except higher earning rates (5x total points on air travel and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards, after earning the $300 travel credit, and 3x points on other travel and dining) and even better travel coverage.

    Read more: Chase Sapphire Reserve card review

    It includes everything from trip cancellation and trip delay insurance to primary car rental insurance. Unlike the Chase Sapphire Preferred, the Sapphire Reserve includes emergency evacuation insurance. In exchange for the $550 annual fee, you get up to a $300 annual travel credit, Priority Pass airport lounge membership, and more.

    Best for luxury hotel perks: The Platinum Card® from American Express

    Regular APR

    See Pay Over Time APR

    Featured Reward

    100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership

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  • Pros & Cons
  • Details
  • Pros
    • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
    • Annual statement credits with Saks and Uber
    Cons
    • Bonus categories leave something to be desired
    • One of the highest annual fees among premium travel cards
    • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
    • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
    • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
    • $155 Walmart Credit: Cover the cost of a $12.95 monthly Walmart membership with a statement credit after you pay for Walmart each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
    • American Express has expanded The Centurion® Network to include 40 Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
    • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
    • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
    • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
    • $695 annual fee.
    • Terms Apply.

    Read Our Review Read Our Review A looong arrow, pointing right

    The Platinum Card® from American Express is a great card for booking hotel stays for several reasons. First, it offers complimentary Gold elite status with both Hilton Honors and Marriott Bonvoy. This can get you room upgrades and bonus points on your paid stays — and Gold status with Hilton even gets you free breakfast (currently offered as a food and beverage credit).

    Read more: Amex Platinum card review

    Plus, if you have the Platinum Card you can access Amex Fine Hotels & Resorts — a collection of luxury properties booked through Amex that offer benefits like complimentary upgrades, free breakfast, and property credits. The Amex Platinum has a $695 annual fee (See Rates), but it easily can be worth it thanks to benefits like this.

    Read more: Your Amex Platinum hotel credit expires at the end of the year — here’s what you need to do by December 31 to avoid wasting $200 in value

    Best for Hilton stays: Hilton Honors Aspire Card

    Regular APR

    15.74% to 24.74% variable APR on purchases

    Credit Score

    Good to Excellent

    Featured Reward

    150,000 points after you spend at least $4,000 in your first 3 months of account opening

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  • Pros & Cons
  • Details
  • Pros
    • Complimentary top-tier Hilton elite status
    • Get a weekend night reward each year after you renew your card
    • High welcome bonus
    • Valuable annual statement credit for eligible Hilton purchases
    Cons
    • High annual fee
    • The information related to the Hilton Honors American Express Aspire Card has been collected by Business Insider and has not been reviewed or provided by the issuer.
    • Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the card within your first 3 months of card membership
    • 14X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio
    • 7X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card on flights booked directly with airlines or amextravel.com, and on car rentals booked directly from select car rental companies
    • 7X Hilton Honors Bonus Points for each dollar of eligible purchases on your card at U.S. restaurants
    • 3X Hilton Honors Bonus Points for all other eligible purchases on your card

    Read Our Review Read Our Review A looong arrow, pointing right

    The Hilton Honors Aspire Card is hands-down the best co-branded hotel credit card out there. For starters, with the welcome bonus (150,000 points after you spend at least $4,000 in your first 3 months of account opening), you can book upwards of 30 free nights, depending on the hotel category. The card also comes with top-tier Hilton Diamond status, which gets you free breakfast (currently awarded as a food and beverage credit), lounge access, and a 100% bonus on points earned via paid stays.

    Read more: Amex Hilton Aspire card review

    The Hilton Honors Aspire Card also offers a free weekend night reward when you renew your card at your account anniversary, plus an extra free night when you spend $60,000 in a calendar year. Travelers will appreciate up to $250 in annual Hilton resort statement credits, up to $250 in annual airline incidental credits, and Priority Pass Select membership

    If you don’t stay at Hilton properties frequently enough to justify this card’s $450 annual fee (See Review), the Hilton Honors American Express Surpass® Card , with a $95 annual fee (see review), is a better option. It earns 12x points on eligible Hilton purchases (compared to 14x on the Aspire), and like the Aspire it offers a high welcome bonus.

    Read more: Guide to the best Hilton credit cards

    Best for IHG stays: IHG® Rewards Club Premier Credit Card

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    125,000 bonus points and a free night certificate after spending $3,000 on purchases within the first three months of account opening

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  • Pros & Cons
  • Details
  • Pros
    • Anniversary reward night can be worth more than the annual fee
    Cons
    • Could offer better rewards on non-IHG purchases
    • Earn 125,000 bonus points after spending $3,000 on purchases within the first three months of account opening
    • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
    • Earn up to 25 points total per $1 spent when you stay at an IHG hotel
    • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
    • Platinum Elite status as long as you remain a Premier card member
    • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
    • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

    Read Our Review Read Our Review A looong arrow, pointing right

    The IHG® Rewards Club Premier Credit Card is one of the best hotel cards in terms of value. It’s currently offering a welcome bonus of 125,000 bonus points and a free night certificate after spending $3,000 on purchases within the first three months of account opening. The free night certificate is valid for a one-night stay at IHG hotels that cost up to 40,000 points, making this bonus potentially worth up to 165,000 points.

    Read more: IHG Rewards Club Premier card review

    In exchange for an annual fee of $89, cardholders get complimentary IHG Platinum elite status, a fourth night free on award bookings of four or more nights, and a Global Entry, TSA PreCheck, or NEXUS application fee credit of up to $100 every four years. Additionally, cardholders earn a reward night every year, which you can use at any IHG hotel worldwide that costs up to 40,000 points per night.

    Best for Hyatt stays: The World Of Hyatt Credit Card

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar spent on purchases that normally earn 1 point, up to $15,000 in the first six months of account opening

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  • Pros & Cons
  • Details
  • Pros
    • Valuable annual reward night
    • Hyatt points are valuable, and this card earns 2x points on several bonus categories
    • If you spend a lot on this card, you can earn a second free night
    Cons
    • Not too many extra benefits
    • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
    • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
    • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
    • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
    • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
    • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
    • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
    • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

    Read Our Review Read Our Review A looong arrow, pointing right

    The World Of Hyatt Credit Card comes with free Discoverist status, which offers benefits like premium internet and 10% bonus points on paid stays. Cardholders aiming for higher status will appreciate the five qualifying night credits issued every year and the ability to earn two additional credits per $5,000 spent on the card.

    Read more: World of Hyatt card review

    Cardholders also receive a free night certificate on their account anniversary every year, valid at Hyatt Category 1 to 4 hotels. You can also earn a second free night after you spend $15,000 or more on purchases in a calendar year.

    Chase recently launched a Hyatt card for small-business owners, too. The World of Hyatt Business Credit Card offers more perks but charges a higher annual fee — you can find out more in our World of Hyatt Business card review.

    Best for Marriott stays: Marriott Bonvoy Boundless® Credit Card

    Regular APR

    15.99% – 22.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories

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  • Pros & Cons
  • Details
  • Pros
    • Annual free night reward for hotels that cost up to 35,000 points can be worth more than annual fee
    Cons
    • The only lucrative bonus category is participating Marriott Bonvoy hotels
    • Upgrading to Gold status requires spending $35,000 on the card in an account year,
    • Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases 10X total points on eligible purchases in select categories.
    • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
    • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
    • 2X Bonvoy points for every $1 spent on all other purchases.
    • Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
    • 15 Elite Night Credits each calendar year.
    • No Foreign Transaction Fees.
    • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.

    Read Our Review Read Our Review A looong arrow, pointing right

    The Marriott Bonvoy Boundless® Credit Card includes solid perks for a mid-tier hotel credit card, including a free night each year after your cardmember anniversary at Marriott Bonvoy hotels that cost up to 35,000 points per night.

    Read more: Marriott Bonvoy Boundless card review

    Another reason to consider it? It’s currently offering a good welcome bonus (as are other Marriott credit cards): 3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories. For ideas on how to use the welcome bonus, check out our guide to the best Marriott hotels for redeeming a 50,000-point free night certificate.

    Best for Wyndham stays: Wyndham Rewards® Earner Plus Card

    Regular APR

    15.74%, 19.99% or 24.99%

    Credit Score

    Good to Excellent

    Featured Reward

    45,000 bonus points after spending $1,000 on purchases in the first 90 days

    Intro APR

    0% intro APR on balance transfers for 15 months

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  • Pros & Cons
  • Details
  • Pros
    • Complimentary Platinum elite status
    • Strong points earning on Wyndham stays and gas stations
    • Annual bonus of 7,500 points for your cardmember anniversary
    • 10% points discount for booking gofree Wyndham award stays
    Cons
    • $75 annual fee
    • The information related to the Wyndham Rewards® Earner Plus Card has been collected by Business Insider and has not been reviewed by the issuer.
    • Earn 4 points per dollar on eligible dining and grocery store purchases (excluding Target and Walmart)
    • Earn 6 points per dollar on eligible purchases made at Hotels by Wyndham
    • Earn 6 points per dollar on gas purchases
    • Earn 1 point per dollar on all other purchases

    The Wyndham Rewards® Earner Plus Card offers good benefits, including Platinum elite status, which comes with benefits like upgrades on Avis car rentals, early check-in, and a status match to the Caesars Rewards program. Each year after your account anniversary, you’ll also receive 7,500 bonus points (with no spending requirement). The annual fee is a moderate $75.

    Read more: Wyndham Rewards Earner Plus credit card review: A welcome bonus worth up to 6 free nights and automatic elite status for a moderate annual fee

    It earns a solid 6 Wyndham points per dollar on eligible Wyndham purchases and at gas stations, 4x points at Wyndham Timeshare properties and at restaurants and grocery stores (excluding Target and Walmart), and 1 point per dollar on everything else (excluding Wyndham Timeshare resorts down payments). You’ll also get discounts on both paid and points bookings with Wyndham hotels.

    Frequently asked questions — hotel credit cards

    How did we choose the best hotel credit cards?

    Personal Finance Insider analyzed dozens of hotel cards, looking at benefits, annual fees, rewards, and ancillary benefits to arrive at our final list of the very best options. 

    Read more: 6 reasons why you should apply for a hotel credit card now, even if you’re not traveling any time soon

    Many hotel brands offer various “tiers” of credit cards. For example, in addition to the Marriott Bonvoy Boundless® Credit Card with a $95 annual fee, there’s the Marriott Bonvoy Brilliant™ American Express® Card, which has a $450 annual fee (See Rates) and includes an annual statement credit for Marriott stays.

    When more than one personal credit card was available from a top hotel chain, we chose the card that offers the most value to an average guest, not someone who travels every weekend.

    For instance, we chose the Marriott Bonvoy Boundless® Credit Card as the best credit card for Marriott stays, because it balances a moderate annual fee with a few valuable perks and a great welcome bonus. The Marriott Bonvoy Brilliant™ American Express® Card has more perks to justify its annual fee, but it’s harder to recommend to everybody — especially since it only offers complimentary mid-tier Gold status with Marriott.

    On the other hand, we named the Hilton Honors Aspire Card, with a $450 annual fee, the best card for Hilton stays, because it comes with several statement credits that can effectively reduce the fee — and it offers the highest level of Hilton elite status as a complimentary benefit to cardholders. 

    Are hotel credit cards worth it?

    If you have a good credit score and pay your credit card bills off each month, it makes sense to get a rewards credit card that earns you points on your purchases — including hotel stays. 

    How do I find the right hotel rewards credit card for me?

    You’ll have to decide whether you stay with a particular hotel chain frequently enough to opt for a co-branded hotel credit card (such as an IHG card). If you want to earn travel points and enjoy some benefits on your hotel stay but you don’t stay in hotels very often, you’re probably better off with a general travel rewards card, like the Chase Sapphire Preferred or the The Platinum Card® from American Express.

    Sarah Silbert is the Senior Reviews Editor at Personal Finance Insider. She oversees the vertical’s guides and reviews, covering topics including banking, credit cards, insurance, investing, and mortgages. Her goal is to empower readers to make smart, informed financial decisions. She is also a Certified Educator in Personal Finance (CEPF). You can reach Sarah at ssilbert@insider.com. Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »

    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

    Please note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.

    Enrollment required.

    For rates and fees of The Platinum Card® from American Express, please click here.

    For rates and fees of the Marriott Bonvoy Brilliant™ American Express® Card, please click here.

    Disclosure: This post may highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team. Read our editorial standards.

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