If you are looking for a hotel reward credit cards, there are several credit card banks which are issuing these, especially with impetus on the holiday season. Hotel rewards credit cards allow you to enjoy a pleasurable stay at various hotel chains and attract cash back incentives and instant discounts, if you charge the expenses on your credit card. Quite a few hotel chains will allow you to redeem your loyalty points accumulated on the credit card, in the form of discounts on your hotel bill which could include food, stay, laundry or purchases made inside the hotel shops.
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments every month.
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.
Reasonable efforts are made to maintain accurate information. However, the information on the cards' rates and terms is presented without warranty. When you click on the "apply online" link you will have an opportunity to review the credit card terms and conditions on the credit card issuer's web site.
Making the Most Out of Hotel Reward Cards
Hotel reward credit cards will allow you to enjoy unequalled discounts on hotel and travel related expenses, saving you a lot of money when you are on business trips or on vacations with your family.
Hotel reward card features
Hotel reward cards allow rebates on hotel nights, restaurant meals, car rentals, cruises, flight tickets and other such expenses. Hotel reward cards usually have tie-ups with hotel chains, allowing you to enjoy free hotel nights at your favourite hotels. You would get loyalty points for every dollar spent. These loyalty points can be exchanged for free stay and restaurant meals when you want to redeem them. Membership reward points usually multiply quickly and it is possible to earn as many as 3 - 5 points on every dollar, which you can redeem for airfare, gift cards and travel and hotel amenities across the world.
Word of caution
You need to note a few points when using the hotel reward cards. Firstly, the currency in which your points accumulate becomes very important, especially when you want to redeem them on a vacation abroad. The point system varies too, depending on how many points you get for every dollar spent, and how many of those points qualify to get you discounts on hotel purchases. The hotel reward cards usually have a higher APR and hence unsuitable for those with revolving outstanding balances. Cards associated with hotel chains also come with a high annual fee too.
How to use the points
Card holders should accumulate points by understanding the conversion and how many points would be required for every free hotel night. It is also important to understand that card holders loyal to particular hotel chains and hence have membership status, tend to enjoy greater benefits compared to more generic hotel reward cards. Hotel reward cards also come with bonus points that will help you cut down on airfare costs, annual dividends, foreign transaction fees waiver and 10 - 25% additional travel for the same price. The points can also be redeemed through travel merchandise and gift cards that can be used on vacation. Special hotel chain cards provide additional points for every dollar spent at those hotel chains. There are other benefits like the absence of maximum caps on the number of points that can be redeemed. Award nights at hotel chains across the world would be particularly useful for those who travel a lot.
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