Which Hotel Credit Cards are worth MSing?

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Old Mar 17, 15, 10:04 pm
  #31  
 
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Originally Posted by PaulMSN View Post
IHG gives you 2 points/$ at groceries and gas stations, with Walmarts and Targets counting as groceries.
Haven't done IHG - can you give me an approx. point value? Closer to Hilton or *wood?
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Old Mar 17, 15, 10:12 pm
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Originally Posted by FreakingFlyer View Post
Haven't done IHG - can you give me an approx. point value? Closer to Hilton or *wood?
Right in the middle, maybe closer to Hilton, but the card has a low (waived 1st year) AF, decent bonus for minimal spend and a free night at any IC each year.
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Old Mar 17, 15, 11:07 pm
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Originally Posted by exarkun View Post
They closed my cc because of manufactured spending.
The radisson card? I don't see why they'd care, what's the difference where you spend money as long as you pay it off. I used to do fairly heavy MS with it and nothing bad happened.
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Old Mar 18, 15, 5:25 am
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Originally Posted by littlewinglet View Post
The radisson card? I don't see why they'd care, what's the difference where you spend money as long as you pay it off. I used to do fairly heavy MS with it and nothing bad happened.
I hear what you are saying since there is no bonus category but they have for sure been reported closures on the USB CC card for folks who had no other relationship with the bank. In fact at least one person I know was specifically closed down for "rewards abuse". Not saying don't MS the card just saying some MSers have been closed down for sure.
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Old Mar 18, 15, 7:17 am
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Originally Posted by 36902BRF View Post
I hear what you are saying since there is no bonus category but they have for sure been reported closures on the USB CC card for folks who had no other relationship with the bank. In fact at least one person I know was specifically closed down for "rewards abuse". Not saying don't MS the card just saying some MSers have been closed down for sure.
Interesting....what would they even classify as rewards abuse. Everything is just spending. I did 2x credit limit on mine last year for a few months in a row at simon malls, but have since stopped because I haven't been able to burn my points due to recent travel patterns.

I think the target redbird loads are probably a big flag, and possibly result in them getting very low interchange fees.
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Old Mar 18, 15, 9:14 am
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Originally Posted by littlewinglet View Post
The radisson card? I don't see why they'd care, what's the difference where you spend money as long as you pay it off. I used to do fairly heavy MS with it and nothing bad happened.
No, my club carlson cc
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Old Mar 18, 15, 9:25 am
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Not going to mess with my Chase Hyatt card. I do however MS on my AMEX Surpass card. The 6x at grocery stores makes it worthwhile and easy to get diamond. Citi Hilton 50k is another fast way to get HHonors points, but no room for that since I'm churning the Citi AA every couple of months.
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Old Mar 18, 15, 10:27 am
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Originally Posted by exarkun View Post
No, my club carlson cc
That *is* the "Radisson card".
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Old Mar 18, 15, 11:09 am
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Originally Posted by crapz1 View Post
Not going to mess with my Chase Hyatt card. I do however MS on my AMEX Surpass card. The 6x at grocery stores makes it worthwhile and easy to get diamond. Citi Hilton 50k is another fast way to get HHonors points, but no room for that since I'm churning the Citi AA every couple of months.
I'm scared to MS on my Chase Hyatt card.
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Old Mar 18, 15, 12:11 pm
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Originally Posted by Electroman View Post
That *is* the "Radisson card".
Sorry, but most don't refer to it by that name...
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Old Mar 18, 15, 1:44 pm
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I read on another thread that you should sign up for the Hilton HHonors first...then a year later change to Surpass...not sure why.
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Old Mar 18, 15, 2:09 pm
  #42  
 
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To the OP, I do not MS for airline miles because I can get free/heavily discounted airfare so no need to MS. I took my daughter to China in F last year and the only thing I paid for was the TSA/immigration fees so my MS is geared toward hotels.

Here's a couple of websites that have placed values on hotel points; YMMV:
http://viewfromthewing.boardingarea....ts-by-airline/
http://thepointsguy.com/2014/06/what...ly-valuations/


You need to ask yourself which hotels you'd like to stay at, budget or upscale. Based on the cards you've signed up for, it looks like upscale is the answer. For that reason, it's not worth discussing the Club Carlson, Best Western Rewards, Choice Privileges, or Wyndham Rewards cards.

Next question is whether or not you have status with any hotel chain. If no, I'd suggest gaining status. If you aren't traveling enough nights/yr for status, your best bet in my opinion is getting a Citi Hilton Reserve Card and generate $40K in annual spend on it for Diamond status. I wouldn't go for the Hilton Amex Surpass card for MS because AmEx is claimed to have a lifetime ban on MSers that they've caught - whether or not that's true doesn't matter to me; I'm not willing to play roulette with being able to get AmEx credit cards.
Hilton Diamond status is a perk that can't be easily quantifiable in dollar terms, but plenty of people value their top tier status as worth several hundred dollars a year, depending on how much one travels.

You MUST get a IHG Chase MC, and not even for MSing. One free night/yr at ANY IHG property every year for the $49 annual fee. I've used my free nights for the Palazzo on a weekend ($280) and the Intercontinental Westminster in London ($600; hotel is no longer an IHG property). I hardly ever use the card and rarely stay at IHG properties, but the unrestricted annual free hotel night is awesome for only $49.

As far as other credit cards with free nights/annual fees, my personal opinion is that:
Hilton Citi Reserve: $95. Worth it IF you generate enough spend for Diamond status.
Hyatt: worth it. $75 for a Cat 1-4 is a good deal.
Marriott: Not worth it. $85 for Cat 1-5 is not very good because Marriott has devalued their program too much.
Ritz Carlton: $395. Only worth it if you use the annual travel credits.
Fairmont: $95. Worth it if you generate $12k/yr spend for the free night.
SPG AmEx: $65. Worth it if you have at least $3K/yr spend on the card. NEVER use this card outside of the US, as it has foreign transaction fees. Not even to pay your hotel bill at an international SPG property.

I MS a bit on my SPG AmEx and Chase Hyatt cards because I like those chains a lot. My goal with the Hyatt card is to have $40k/yr in charges so I get an additional 5stay/10night credit toward Diamond status with Hyatt. Once I've gotten my $40K in annual spend on the Chase card, my spending shifts over to the SPG card since those are the points that I burn most often in trying to get to lifetime Plat status.

I had the Chase Marriott card until recently and did some MS on it last year to reach lifetime Plat with Marriott. Now that I have lifetime status with Marriott, I don't need to generate Marriott points so I got rid of the card.

If I were the OP, I'd first MS with the Citi Hilton Reserve and then move to the Chase Fairmont card. Once hitting annual spend on those, I'd shift over to either the Chase Hyatt or SPG AmEx card, depending on which chain I'd prefer to stay at. That should be enough hotel card options for the OP.

Originally Posted by FreakingFlyer View Post
I'm scared to MS on my Chase Hyatt card.
I use the card for all of my regular spend right now and need to do a bit of MS to get to $40K/yr spend. I try to make sure my MS doesn't draw any attention to Chase.

Originally Posted by exarkun View Post
Sorry, but most don't refer to it by that name...
Anyone who's a Club Carlson member should have known exactly what he meant. There aren't a lot of different brands in Club Carlson and Radisson is the most recognizable.

Last edited by iflyjetz; Mar 18, 15 at 2:22 pm
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Old Mar 18, 15, 2:16 pm
  #43  
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Originally Posted by iflyjetz View Post
...AmEx is known to have a lifetime ban on MSers that they've caught - whether or not that's true doesn't matter to me...
Change "known" to "claimed" and this will make more sense. As it stands it's self-contradictory. Otherwise a pretty useful post.
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Old Mar 18, 15, 2:18 pm
  #44  
 
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Originally Posted by sosamo View Post
I read on another thread that you should sign up for the Hilton HHonors first...then a year later change to Surpass...not sure why.
That's a churning tactic. A lot of MSers do a lot of credit card churning. I stay away from churning so I can't speak intelligently on the subject.
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Old Mar 18, 15, 2:30 pm
  #45  
 
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Originally Posted by PaulMSN View Post
Change "known" to "claimed" and this will make more sense. As it stands it's self-contradictory. Otherwise a pretty useful post.
Change made. I was tempted to expand that thought to: AmEx's definition of 'lifetime' may vary due to their current business issues. I didn't want to get too deep into the AmEx subject, as it would have been superfluous information. I was trying to justify pointing the OP toward the Citi Hilton Reserve over the AmEx Hilton Surpass for MSing for Diamond status, as I'm sure some will want to know why I'd favor Citi's card over AmEx's card. Hopefully it was enough of a reason of why I'd favor one over the other.

For anyone offended by me not including Club Carlson, the post was geared toward someone who wants upscale/luxury hotel stays; if one is budget conscious, my post is probably not very useful.
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