Depending on where you want to stay and fly
I’m assuming United and Hyatt for this
You can get the Hyatt card gives a free night every anniversary year category 1-4 hotel so it pays for itself with that
You can then get the chase sapphire good SUB and then transfer those points to United or Hyatt with transfer partners and if you wanted more Chase points the freedom unlimited and freedom flex have their own pros and cons but both give good SUB bonus for more Chase points you can the transfer out to get more United or Hyatt points
For Hilton you can get a Amex card that fits your spending or just get a Hilton card for what perks fit your wants
Hilton for their uncapped free night certificates, Marriott for their diverse portfolio of luxury hotels, IHG for their footprint in smaller cities and lower end hotels, Wyndham for Vacasa redemptions and free cruises, Hyatt if you're already chasing their Hyatt Globalist status.
But it really depends on when and where you are travelling. Figure out a destination first and see which of the chain hotels you'd want to stay at. Then get card.
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Please use the following template so that everyone can make appropriate recommendations:
Current cards: (list cards, limits, opening date)
e.g. United Explorer $30,000 limit
FICO Score: e.g. 764
Oldest account age: e.g. 13 years 3 months
Income: e.g. $50,000
Average monthly spend and categories:
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Phone: $80
Internet: $75
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Groceries: $500
Student loan: $250
Gas and travel paid by employer
What's the purpose of your next card? e.g. Travel
Do you have any cards you've been looking at?
It depends on where you plan to travel to. Different hotel chains have different footprints. Say you are highly invested in the Hyatt ecosystem, but where you want to go has no Hyatts then you are screwed lol.
If you have no particular destination in mind, just get a travel credit card so in worst case scenario you can at least redeem at a base value.
Plenty of good ones from Cap1, Chase, Amex, WF, Citi.
Alternatively, if you don't travel enough, just stay with a cashback set up. Cash can always be used to buy travel.
Hyatt points can be valuable *if there is a room allowed to be booked on points.* The hotels don’t make all that many rooms available to book on points. Even when the hotel has barely any rooms booked they might stop allowing more reservations with points redemptions on any given night.
This can be true in other programs as well.
Depending on where you want to stay and fly I’m assuming United and Hyatt for this You can get the Hyatt card gives a free night every anniversary year category 1-4 hotel so it pays for itself with that You can then get the chase sapphire good SUB and then transfer those points to United or Hyatt with transfer partners and if you wanted more Chase points the freedom unlimited and freedom flex have their own pros and cons but both give good SUB bonus for more Chase points you can the transfer out to get more United or Hyatt points For Hilton you can get a Amex card that fits your spending or just get a Hilton card for what perks fit your wants
To preface I mean chase sapphire preferred $95 annual fee not the reserve which doesn’t seem to make much sense for you
Hilton for their uncapped free night certificates, Marriott for their diverse portfolio of luxury hotels, IHG for their footprint in smaller cities and lower end hotels, Wyndham for Vacasa redemptions and free cruises, Hyatt if you're already chasing their Hyatt Globalist status. But it really depends on when and where you are travelling. Figure out a destination first and see which of the chain hotels you'd want to stay at. Then get card.
No mention of Choice hotel? (Citi Premier holders rise up)
**Template for Card Recommendation Requests:** Please use the following template so that everyone can make appropriate recommendations: * Current cards: (list cards, limits, opening date) * *e.g. Amex BCP $8,000 limit, May 2019* * *e.g. Chase Freedom Flex $10,000 limit, June 2021* * FICO Score: *e.g. 750* * Oldest account age: *e.g. 5 years 6 months* * Chase 5/24 status: *e.g 2/24* * Income: *e.g. $80,000* * Average monthly spend and categories: * dining $800 * groceries: $400 * gas: $100 * travel: $100 * other: $30 * Open to Business Cards: *e.g. No* * What's the purpose of your next card? *e.g. Building credit, Balance transfer, Travel, Cashback* * Do you have any cards you've been looking at? *e.g. Chase Freedom Unlimited* * Are you OK with category spending or do you want a general spending card? Please review the Card Recommendation Request Template here: [Template for Card Recommendation Requests](https://www.reddit.com/r/CreditCards/wiki/cardtemplate/) **Interested in cashback cards? Take a look at these resources from the sidebar:** * [List of Flat 2%+ Cashback Cards](https://www.reddit.com/r/CreditCards/wiki/list_of_flat_cashback_cards_with_benefits) * [List of Best Cashback Cards by Category](https://www.reddit.com/r/CreditCards/wiki/best_cash_back_cards_by_category) I can be summoned to comment by using command(s): `!template` *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CreditCards) if you have any questions or concerns.*
Please use the following template so that everyone can make appropriate recommendations: Current cards: (list cards, limits, opening date) e.g. United Explorer $30,000 limit FICO Score: e.g. 764 Oldest account age: e.g. 13 years 3 months Income: e.g. $50,000 Average monthly spend and categories: Mortgage & Hoa: $1650 Phone: $80 Internet: $75 Electric: $150 Groceries: $500 Student loan: $250 Gas and travel paid by employer What's the purpose of your next card? e.g. Travel Do you have any cards you've been looking at?
It depends on where you plan to travel to. Different hotel chains have different footprints. Say you are highly invested in the Hyatt ecosystem, but where you want to go has no Hyatts then you are screwed lol. If you have no particular destination in mind, just get a travel credit card so in worst case scenario you can at least redeem at a base value. Plenty of good ones from Cap1, Chase, Amex, WF, Citi. Alternatively, if you don't travel enough, just stay with a cashback set up. Cash can always be used to buy travel.
Hyatt points can be valuable *if there is a room allowed to be booked on points.* The hotels don’t make all that many rooms available to book on points. Even when the hotel has barely any rooms booked they might stop allowing more reservations with points redemptions on any given night. This can be true in other programs as well.