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[H685]Hotel Without Credit Card

by Morgan Hamilton, Mor

Credit card companies have introduced new incentive programs that include hotel credit cards. These companies use reward programs to convince consumers to choose their card over the competition. Credit card companies want people to charge more to their credit cards so they can make the interest from of it because they are in the business of making money. Most every credit card companies use hotel credit cards for money making purposes.

Card holders will earn free points when they use hotel credit cards to pay for a stay at a hotel. A majority of these cards are tied in with a certain hotel chain. Some cards even let a cardholder earn extra points for charges made at the hotel. Using this credit card to buy merchandise at the hotel allows the card holder to get more points than using the card at the grocery store. However, card holders should be sure of the hotel chain they will use the most. A person who often stays in hotel will find these cards beneficial.

The teaming up of a credit card company and a hotel is a win-win situation for both of these establishments, but can be a losing situation for the consumer. You see, hotel credit cards tend to lure people to charge things they normally would not charge or to shop places they may not usually shop. A card holder may be tempted to charge purchases to his credit card just to earn the free hotel points. As a result, a person can incur debts that the person will eventually have to pay off or it could end in big credit trouble.

A cardholder should not waste points. They should at least try to get a gift certificate or some other trade in on their points from their credit card company if they are not going to use their points. Any way, the credit card company would usually just offer to extend the deadline for the use of these points.

People who understand that earning points costs money can benefit well by using hotel credit cards. They realize that the points are not really free because they have to spend their own money for every point they earn. A card holder should treat these points like cash and not waste them. These points should not be earned through foolish purchases. People should find a different type of credit card that may work better for them if they find that they are not earning points easily or just wasting points with hotel credit cards.

There are many benefits to be had from using a hotel rewards credit card if you travel extensively. This type of card can save you loads on your next trip. With most of these types of credit cards you will earn bonus points when you stay at a hotel, which is why they are such a great idea for frequent travelers. We will look at a couple of different hotel reward credit cards that are available and the benefits that they provide.

1. Choice Privileges

This is a combination of many hotels that are located in Mexico, Canada and the USA. The holders of such cards have the chance to win great rewards and these coupled with great hotel rates make them the ideal choice for those traveling on a regular basis.

They offer their customers an extremely competitive introductory rate for the first 6 months. But after this, cardholders can still take advantage of the low and affordable fixed rates of interest on any balance transfers or purchases that they have made.

Rewards on this card are based on purchases made using the card and will commence from the first purchase made. The card holder can earn up to 8,000 points which means that from your first purchase you have earned your very first free nights stay at any of the 1,000 Choice Privileges hotels. In addition, each time you make a purchase at a Choice Privileges hotel you will earn 15 points whilst all other purchases will earn you 2 points for every $1 spent. As you continue to earn points, you will be able to use these points to exchange for free nights stay at any of their participating hotels.

2. Citi Hilton HHonors

This credit card is from Visa, Citibank and the famous Hilton Family. It is the perfect way for anybody to earn points, which can then be put towards travel expenses to hundreds of different destinations. This particular card is accepted around the world.

Once you make a purchase within 60 days of getting your credit card you will be rewarded with 10,000 HHonors bonus points. Such points can also be easily earned on a regular basis. You will receive 2 points for every $1 that you spend on Internet purchases. In addition, you will earn 3 points for every dollar you spend at any Hilton Family Hotel. These points can then be used towards both hotel and airline rewards as well as redeemed for exotic vacations or cruises. You can even use them to purchase entertainment or merchandise from brand name companies such as Hilton, Coral by Hilton, Embassy Suites Hotels, Conrad, Hilton Grand Vacations Club, Hilton Garden Inn and many more.

As you can see there are many benefits to be had from having a hotel rewards credit card in your wallet. However, just like any other credit card, you should use it responsibly and not go on a shopping rampage just to accumulate reward points. If you are frequent traveler, you should consider getting one and it will save you a significant amount of money for hotel stays.

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Both Morgan Hamilton & Stephen Chua are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Morgan Hamilton has sinced written about articles on various topics from Credit Cards, Women and Guided Meditation. . Morgan Hamilton's top article generates over 201000 views. to your Favourites.

Stephen Chua has sinced written about articles on various topics from Free Credit Report Score, Credit Cards and Mortgage. Stephen Chua is the founder of FindCreditCardsInfo.com, which provide detailed descriptions of all credit cards online. Visit