New to earning points....what is the appeal in having a "travel card" vs loyalty to a hotel or airline card? On some cards I see 6-12x points on booking their hotels or flights, way more than CSR.

Posting as :
works at
You are currently posting as works at

Points are trickier to calculate for return. CSR is 4.5% back on travel if you cash out for travel. A hotel card is 10 card pts /$1. Exclude non-card earnings bc you get them either way. So, to cover a $150 night, that might be 50k pts, you’d have to have spent $5k. That’s only a 3% return. Ideally, you should be targeting $0.05/pt redemption value for Hilton, but you always have to factor earning into the equation.

Also, Hilton is the worst loyalty program IMO

like

Just redeemed 35,000 Marriott points for a $750 room rate. I like my ROI which was >5%.

like

Start your introductory research at Nerd Wallet and ThePointsGuy... like IBM 1 said, each point is not valued the same in terms of $, but also may not be valued the same for your personal travel preferences. But I find that not only the points multiplier associated with a brand credit card, but also the other perks (automatic status, introductory point bonuses, lounge access, WiFi on flights, etc.) sometimes make it an easy choice to go with brand cards

like

I'm mostly referring to the Hilton Honors AMEX card, World of Hyatt, etc. If you book all hotels through these cards and all flights through a loyalty card, does the much lower rate from CSR & similar cards become useless?

This makes a lot more sense. I didn't realize Hilton points are worth less than Chase points. I know Hilton hotels are almost double the points of Hyatt, but the fast earning made me assume it was about the same. Would you say the World of Hyatt card works reasonably well with Chase points since they are transferable anyway?

imo you need some other reason to justify a hyatt card. either you really like hyatt points and the extra hyatt points are worth more to you than the CSR when you stay hyatt, you get status faster with a hyatt card (e.g. free status nights), or some other benefit like that. you don’t need a hyatt card to transfer chase points to your hyatt account. the rewards account is different from your card, though a branded card accrues points to your rewards account.

Related Posts

like

Does anyone use the fidelity app? How can you change it out of dark mode? I can’t figure it out for the life of me.

like

Best stocks to buy/DCA into during the continued recession/incoming pain?

like

Okay guys give me a list of things to lower my taxable income. Make yearly with wife 200k.

like

Anyone here knows agency/in-house that do O1 Visa? for JAD with one year experience.. My next jump would make me an AD possibly.

like

Is a 529 account worth it for MBA?

like

If I have a six year old and 150k in a 529, can I say I’m done?

like

Good traders tend to be flexible. I can make money in all kinds of markets, being a bull or a bear. Today was a headscratching day. We rallied a lot farther than we should have. We bounced in place's we shouldn't have. So, I have to ask myself? What the hell happened? While I made money today, I should have made lots more money. Remember the tip that markets don't count Pre-NY Mondays. If I decided to do my from last weeks low as opposed to today's low. I'm bullish. Additional info in reply post

Post Photo
likehelpfulsmart

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

like

Would you rather have 5x amex MR points or 3x chase UR points for each dollar spent on flights? Why? Company let's me book flights on personal cards and trying to decide which to choose.

like

Plan to buy a place and currently trying to pick a real estate agent. Some realtors require to sign an exclusive service contract. Should we go with someone that doesn’t require a contract?

like

Is direct lending/private credit technically buy side?

like

Hello everyone!
I recently found out that I was being paid less than everyone in the team (more than 25% gap to more expe teammates, around 15% less than new hires)
We all had the same responsibilities, I consider I even had a heavier workload (talking in past tense since I very recently made an internal move).
Things to consider:
On a work visa
Non-white
Non-male
What would you recommend doing?
Keeping it to myself?
Speaking up? How? With who?

-TIA

likesmarthelpfulfunny

I have a awesome design for luggage that is designed for people that usually fly first class. It keeps all clothes in travel on straight during any flight and optimizes the use of first class luggage

like

That Carlos Matos Bitconnect video still makes me laugh.. hope everyone stayed away from anything that tried to combine crypto and lending.

Hello guys, can anyone please suggest how can i bring down the tax in the given CTC.
P.S : All allowances which i am not claiming will add up to special allowance which is taxable. No gratuity or insurance premium will be deducted from this CTC

Post Photo
like

I have a brokerage account with 7k in it, split 70% VOO 30% SCHF. I now have an additional 11k I can add - how should I allocate it? Should I move towards an 80/20 split just in current funds or add things like a growth (VGT) or high dividend ETF (VYM). All of my retirement accounts are already maxed, FWIW and don’t need the $ for any large purchases needed in the near future.

like

Does amex provides Night Shift allowance for folks working in Night Shift??
Amex Gurgaon

like

Points wizards - I need some United miles stat. What’s the best conversion point source right now?

Thanks!!

like

More Posts

Can someone tell me if a HRBP III is more senior level than a HRBP I? I’ve never really dealt with those titles so I am a little confused!

like

Hey Fishies need a recommendation on an international coaching certification. I am a senior HR professional with SPHR and SHRM-SCP certification. I am interested in coaching for career advancement. Thank you for your recommendations

like

What do you wear to atlanta ballet performances?

like

Just found out there’s an ECD in a big NYC agency who claims to have won awards, but the name doesn’t pop up in any of the archives.

How do they get away with it?

like

Am I crazy for buying 1.7B SHIB? I may have lost my mind?

like

Would I still need to relocate to base location if I’m putting my papers down?

like

My international flight got cancel. They did not send email so everyone found out at the airport. I even spent 50$ in Uber coming to the airport and they say only solution is to rebook us tomorrow. What’s the best way to go about it to get best compensation for all the inconvenience? (Tap air)

like

International tax manager with 7 years experience all at KPMG. Thinking about switching to industry to see it from a new perspective and do similar work from a different angle. How do you successfully transfer B4 skills/experience to industry (how do you find the right fit?), and how do you continue to learn and build your skills so that you’re still marketable and could boomerang back if it doesn’t work out in a few years? Am I asking too much?

like

How on earth are you guys getting into these AMD calls for 5/1? The theta is scaring the devil out of me. I almost went with the peer pressure yesterday and then backed out (I am bullish in AMD)

like

What will be provided in Accenture new joiners kit

like

Is Covid finally becoming endemic? Most Omicron cases (according to my ER wife nurse) are very mild, and not worth the hospital visit. How will/should this impact us as educators?

I’m 8 months into a new job and I want to quit already. Uughhhh. My boss I’m leaning is deceptive and very political. This sucks

like

NYC renters: have you tried removable wallpapers? Any tips/recommendations?

like

Thinking of getting a peloton. Anyone actually experience weight loss and overall health improvement from having one?

I make excuses for not going to the gym and the number 1 being convenience so I figure if it’s in my actual home then I have no excuses!

Be nice, thanks! 😊

like

I am going to India for a month. May have to change my return date. Any suggestion on what insurance/other option to reduce the ticket update cost impact.

Ek masala chai mil jaaye toh aaj ka din set ho jaaye!

Folks who have gone through the process to get Global Entry approved, do we need a PAN card or Aaadhar card to move forward in the process? I don't have a PAN yet.

like

When is credit suisse going to ask employees for returning to office?

like

Where my McKinsey EA's at??

like

Additional Posts in All things points

Why won’t AA let me book business class flights with points if they’re available to buy cash? (Qatar flight on AA site)

like

Since the Chase Freedom Unlimited gives 3% cash back on dining, does that mean you get more UR points that way vs. using the Chase Sapphire Preferred?

like

Any suggestions on SPG/Marriott hotels in Barcelona for personal travel?

like

SYW is either dead or caps out at $80

likehelpful

Have an amount of Marriott points I would would like to use to buy United miles.

Any advice on carrying out this transaction?

like

New to UR travel portal. I keep seeing that I will get 1.5x back here -- does that mean if I have 20,000 points originally, it becomes 30,000 points in the portal? (cont.)

I screwed up. I’m a newb and didn’t know how mileages work and my gold status w AA is about to expire. I travel weekly and idk whether I should fly w/o status or pay $400 to extend it. Thoughts? 😭

Any recommendations for best balance transfer card? Like zero APR for 15-18 months and no fee? Also nice to have points or cash bonus

like

Anyone successfully use the $200 Amex hotel credit? The FHR and hotel collection redemptions are all pretty insane price wise. I’ve heard there are some good deals to be had in Vegas but looking for other options.

like

Any star alliance status match delta platinum?

like

Found a bed bug in a Radisson Red in Campinas Brazil, how many points?

like

What other cards to add to my collection? I have AmEx Platinum and Chase Sapphire Reserve. Fly Delta so AmEx is handy for lounges. Use Sapphire for dining/travel. Should I add Chase Freedom Unlimited?

like

Heads up: Hilton is giving triple points during July if you use their credit card for booking. Good opportunity to make up to 54 points per $1. Time to stack up those points! Happy monday! :D

like

Do you get elite night credits for award/point stays?

like

I don’t drive. Does that limit my activities if I am traveling to Hawaii ?

like

Would you rather have 5x amex MR points or 3x chase UR points for each dollar spent on flights? Why? Company let's me book flights on personal cards and trying to decide which to choose.

like

Points wizards - I need some United miles stat. What’s the best conversion point source right now?

Thanks!!

like

Best sign up bonus right now that is not the CSP and the Amex platinum?

like

If you bought a United Flight with miles can you change your flight and book with cash? I don’t have enough points for flight I want to change to and app is only give me miles option

like

Looking to apply for venture x before the offer goes away today. Anyone out there willing to share some of their referral bonus? 50 bucks?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal