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Hotel Rewards Credit Cards

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Do you travel often? If so, do you generally stay at the same hotel chain? If you answered yes to these questions then owning a hotel rewards credit card would be a perfect fit for you. Most chains of hotels offer a credit card that allows you to participate in a rewards program. These types of programs allow you to earn points every time you stay at one of the participating hotels. Each hotel rewards credit card has certain nationwide chains that participate in the program. Points can also be earned when you use your credit card to pay for your hotel stays. You can also earn points when making purchases at approved retailers as well as general purchase depending on the rewards program being offered. Some of the approved retailers that participate in these types of programs are grocery stores, gas stations, restaurants and wireless phone companies. The points that you accrue from your purchases with the card can then be used towards discounts or free stays at hotels that participate in the rewards program. Using these types of credit cards are a great way for you to earn discounts when you use the card for your normal travel expenses.

Below is a review on one of the most preferred hotel rewards credit cards that offers a wonderful rewards program for its users.

Hilton HHonors Platinum Card from American Express

If you frequently stay at a Hilton family hotel and have good credit, then the Hilton HHonors Platinum Card from American Express is perfect for you. This card offers a rewards program that allows you to earn five points for every dollar spent at Hilton family hotels, as well as participating supermarkets, drugstores, gas stations, restaurants, U.S. Postal Service, and wireless phone bills. You can also earn three points for every dollar spent on general purchases, which is one feature that sets this card apart from other rewards cards in this category. This credit card also gives you 10,000 bonus points when you make your first purchase and 2,500 bonus points after your first four stays at a Hilton family hotel. The Hilton HHonors credit card offers a low introductory rate for purchases and balance transfers for the first 6 months and no annual fees, but the interest rate is slightly above average after the intro period expires. This card is ideal for users that want to participate in a rewards program but plan to pay there balance off in full each month.

Hotel Rewards Credit Cards

Today I'm going to discuss Hotel rewards credit cards and how they work and how you can take advantage of them. As long as you follow the steps, you will have any problem taking advantage in getting free hotel nights and upgrades. You'll be able to get all this simply based on the fact that you're using a card the right way.

Always pay in full -- as you know by now that if you've ever carried a rewards card, you're going to have to pay the credit card balance off in full each month. Why is this you might ask? The reason is because every time you don't pay your balance off all, you're going to have to pay interest rates. Let's say for example you spent $500 at a hotel last month on your new credit card. Now, let's say you only paid off $300. That left over $200 is going to be tacked with interest. Now, if you look at the interest that was applied to the $200, you're going to be paying more for interest than you would for the rewards.

Never overspend -- whenever I use my own rewards card, I make sure I use a card at home the places I can benefit from. For example, a card like this can be used at any hotel chain. So, whenever I go to a hotel, I make sure I use this card so that I can get points towards future hotel stays. The reason you'll want to use it at the hotel is because this is where you are going to get the most points. For example, my hotel credit card gives me six points on every dollar spent at their hotel chain. So, I need 7000 points for a free night at an average hotel.

Make a plan -- the reason you're applying for this card is because you're going to get free stays in the future. You want to plan for the future and get the hotel stay as soon as you can because some cards have blackout dates or the points may expire. You may find out that you want to use the points and you can't because the points are anymore because you waited too long. This is why it's important to look at expiration dates and blackout dates when using the reward programs. I would recommend that you look at a program that never expires.

Hopefully by now you know the lookout for and how you can take advantage to get those free stays. Credit cards aren't made for everyone if you find yourself abusing these cards; you may want to resort to cash. Start doing your research today and find the card that fits your needs.

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