The first bank I will be evaluating is JP Morgan Chase. This part of the guide focuses on Credit Cards Guide Chase Hotels, focusing on hotel co-branded cards. Chase offers a series of three categories of personal credit cards, per my evaluation. The categories and the verdict are here:

Chase Logo (JPMorgan Chase Bank)

Chase Logo (JPMorgan Chase Bank)

Airlines

Hotels

Proprietary

Verdict

 

Here are the Credit Cards that are offered by Chase Bank Co-Branded with Hotel Chains. These cards earn points towards hotel loyalty programs. In most cases, you can also transfer the points to airline programs. Chase offers rewards cards with four hotel chains:

 

Marriott Rewards Premier Credit Card:

Marriott Rewards Visa Signature

Marriott Rewards Visa Signature

Description: The primary card available to Marriott Rewards members. The card offers points towards Marriott’s loyalty program. It comes with added bonuses for the cardmember as well. Also, Marriott Rewards points can be transferred to various airline programs. The list of programs, per the Marriott website is very extensive, and the points transfer at different rates. Nonetheless, they have a lot of partner programs. Score: 7/10

Marriott Rewards Transfer Partners

Marriott Rewards Transfer Partners

Sign Up Bonus: The card comes with a sign-up bonus of 80,000 points after $3,000 spent during the first 3 months. Also, if you add an authorized user, you can get 7,500 more points after their first purchase. That totals up to 87,500 points, which OMAAT values at 0.8 cents per point. That means a total of $700. Score: 9/10

Normal Day Accrual: The card offers 5 points per $1 spent on Marriott Hotel purchases. Also, it offers 2 points per $1 on restaurants, airlines and car rentals. For every day spend, it offers 1 point per $1. Score: 7/10

Added Perks: The card comes with various added perks. Some of these are Silver Status on Marriott Properties. Also, you get a free hotel night after every card member anniversary, at any 1-5 category hotel. The card comes with Visa Signature Concierge, as well as no foreign transaction fees. Score: 5.5/10

Annual Fee: The card comes with an $85 annual fee, not waived the first year. Score 3/10

Credit Score needed: Very Good-Excellent Credit.

Final Score: 31.5/50

 

IHG Rewards Club Select Credit Card:

IHG Rewards Club World MasterCard

IHG Rewards Club World MasterCard

Description: This is the card available for members of IHG’s Reward Club program. It offers points that can be used for hotel stays and also transferred airline partners. This link will take you to the transfer partners. Rates vary per airline, and they are not as good as other programs. Score: 6/10

Sign Up Bonus: The card offers 60,000 bonus points after spending $1000 during the first 3 months of the card being open. Per OMAAT, the face value of those points is $300. Score: 4/10

Normal Day Accrual: For every day accrual, you can get 5 points per $1 spent on IHG purchases, 2 points per $1 spent on restaurants, gas stations and grocery stores. You get 1 point per $1 on every other category. Score: 7/10

Added Perks: The card comes with IHG Platinum Status. Also, it comes with a free hotel night stay after each account anniversary. Finally, it comes with no foreign transaction fees as well as MasterCard World protections. Score: 6/10

Annual Fee: The card has an annual fee of $49, waived the first year. Score: 7/10

Credit Score needed: Very Good – Excellent Credit Score

Final Score: 30/50

 

Ritz-Carlton Rewards Credit Card:

Ritz Carlton Rewards Visa Infinite

Ritz Carlton Rewards Visa Infinite

Description: Chase’s most exclusive hotel credit card. The card comes with access to Ritz-Carlton Rewards, which has the same transfer partners as Marriott. The points transfer to many partners, and at different rates. Score: 7/10

Marriott Rewards Transfer Partners

Marriott Rewards Transfer Partners

Sign Up Bonus: The card comes with a sign-up bonus of 3 nights on any Category 1-4 Ritz Carlton property after spending $4,000 in the first three months of the card being open. Valuing each nights stay at $350, it’s a value of $1,050. Score: 8.5/10

Normal Day Accrual: The card offers 5 points per $1 spent on Ritz Carlton hotels as well as Marriott properties. Also, you can accrue 2 points per $1 spent on airfare, restaurants and car rentals. Finally, 1 point per $1 spent elsewhere. Score: 7/10

Added Perks: The card has many added perks. You receive a $300 annual travel credit. Also, you get access to Priority Pass Select, to access lounges across the world. A Global Entry Fee is included. As well, you receive a $100 airline discount on 2+ person booked on round trip tickets via the portal. You receive elite status at car rental agencies. Gold Ritz Carlton Status, which can be used at Marriott and Starwood. Three free upgrades per year, and finally a $100 hotel credit. Score: 10/10

Annual Fee: The card has a hefty annual fee of $450, but can be easily offset by all the benefits. Score: 8.5/10

Credit Score needed: Excellent Credit Score

Final Score: 41/50

 

Hyatt Credit Card:

Hyatt Credit Card

Hyatt Credit Card

Description: The Hyatt Credit card is the portal to accruing Hyatt Gold Passport Points. I was unsure how many points you needed for the advertised points conversion. As usual, the transfer rates are different per airline. They transfer to 28 airline partners. Score: 6/10

Hyatt Gold Passport Transfer Partners

Hyatt Gold Passport Transfer Partners

Sign Up Bonus: The card comes with a sign-up bonus of 2 free nights at any Hyatt property after $2,000 spend during the first 3 months. You may also get 5,000 bonus points after adding an authorized user and they make their first purchase. Score 7/10

Normal Day Accrual: You accrue 3 points per $1 on Hyatt purchases, and 2 points per $1 on airlines, car agencies and restaurants. Finally, you get 1 point per $1 spent on everything else. Score: 6/10

Added Perks: The card comes with Hyatt Platinum Status. As well, you get one free night every card membership anniversary. Finally, it comes with no foreign transaction fees. Score: 7/10

Annual Fee: The card has a $75 annual fee, not waived for the first year. Score: 5/10

Credit Score needed: Very Good- Excellent

Final Score: 28/50

 

Landing Thoughts:

Chase offers very competitive hotel credit card offers. From the not as demanding IHG credit card, to the Visa Infinite Ritz-Carlton Rewards card. Each offers benefits at each hotel chain. Some people would value some more than others, so it really comes down to how much you spend on hotels. Finally, you should take into account the value of elite status at each hotel chain.

 

Here are the links to other parts of the credit cards guide:

 

Introduction

Airlines

Hotels

Proprietary

Verdict