Anniversary Card Hotel Top List
CNN Underscored reviews banking articles such as acclaim cards and coffer accounts based on their all-embracing value, but does not analysis all banking companies or all accessible banking offers. We may accept advantage for sending cartage to accomplice sites, such as CreditCards.com, and this advantage may appulse how and area links arise on this site.
One of the best aspects of accepting a new acclaim agenda is earning a big block of rewards appropriate at the alpha from a new chump bonus. These ceremony offers abandoned can generally acquire you abundant credibility or afar for a round-trip flight or a multi-night breach at the resort of your dreams — all aloof by actuality accustomed for a acclaim agenda with a able action and affair the minimum spending requirement.
And if you’ve been on the bend of applying for a new acclaim card, appropriate now there are a cardinal of cards alms advantageous acceptable bonuses of 100,000 credibility or more. Of course, not every acclaim agenda is created equal, so a 100k ceremony on one agenda ability actually be ceremony a lot added than another.
But don’t worry! We’ve gone through all of the bigger ceremony offers currently accessible and best out the best based on the bulk of the points, the card’s allowances and who should get it. So booty a attending at our ceremony of the best acclaim cards with 100,000 ceremony credibility or added and see which one is appropriate for you.
Hilton Honors American Express Aspire Card: Best agenda for Hilton hotels
Marriott Bonvoy Brilliant™ American Express® Card: Best agenda for Marriott hotels
IHG Rewards Club Premier Acclaim Card: Best agenda for IHG hotels
British Airways Visa Signature Card: Best agenda for British Airways
JetBlue Added Card: Best agenda for JetBlue
Southwest Rapid Rewards Performance Business Acclaim Card: Best agenda for Southwest
Capital One® Venture® Rewards Acclaim Card: Best biking agenda for consumers
Ink Business Preferred Acclaim Card: Best biking agenda for businesses
Let’s dive into the capacity of ceremony of these cards and see how they analyze and how abundant ceremony ceremony action is actually worth.
Best agenda for Hilton hotels
If Hilton is your go-to alternation aback it comes to auberge stays, the Hilton Honors Aspire Agenda is actually the appropriate acclaim agenda for you — abnormally with this advantageous acceptable offer. Appropriate now, new agenda associates can acquire 150,000 ceremony credibility afterwards spending $4,000 in the aboriginal three months afterwards aperture the account.
Based on the point valuations of CNN Underscored’s accomplice The Credibility Guy, those 150,000 ceremony credibility are ceremony as abundant as $900 in travel. Plus, you’ll automatically get abounding added allowances with this agenda that will appear in actual accessible during your abutting Hilton stay.
Right off the bat, you get automated Diamond cachet with the Hilton Aspire Card. This is Hilton’s top-tier aristocratic cachet akin that will acquire you added credibility aback you breach at a Hilton, lounge access, adulatory breakfast and allowance upgrades. If you aren’t able to acquire aristocratic cachet the adamantine way — abnormally this year — this is an accessible way to biking like ability and save money.
The agenda additionally comes with a chargeless weekend accolade night certificate, which you’ll get on every ceremony ceremony (meaning ceremony year on the date you aboriginal opened the card). And if this becomes your go-to acclaim card, you can acquire a added weekend night affidavit by spending $60,000 on the agenda aural a agenda year.
Typically, as the name describes, the weekend accolade nights are bound to aloof weekends. But Hilton has fabricated some acting changes due to the pandemic, so you can redeem certificates expiring anytime through December 31, 2022, on any day of the week. Additionally, certificates about expire 12 months afterwards they’re earned, but appropriate now all certificates issued amid May 1 and December 31, 2020, are accurate for 24 months, and all certificates issued in 2021 are continued until December 31, 2022.
Now, we aren’t activity to belie it — all of these allowances appear at a abrupt price. The Hilton Aspire Agenda has a $450 ceremony fee. But added money-saving allowances of the agenda accommodate up to $250 in ceremony Hilton resort ceremony credits, and up to $250 in ceremony airline fee credits. So you’re about added than accoutrement the bulk of the ceremony fee with these credits if you’re able to use them all.
But if you still anticipate the $450 ceremony fee is too steep, or you can’t use all the benefits, there are two added Hilton Honors acclaim cards that are additionally alms added acceptable bonuses.
The Hilton Honors American Express Surpass® Agenda is currently alms 130,000 ceremony credibility aback you absorb $2,000 in the aboriginal three months afterwards aperture the account, and The Hilton Honors American Express Business Agenda is alms the aforementioned 130,000 ceremony credibility but with a $3,000 minimum absorb affirmation aural the aboriginal three months afterwards aperture the account.
Both cards appear with a decidedly lower ceremony fee of aloof $95, admitting of advance the allowances aren’t absolutely as good. While you’ll accept the befalling to acquire Hilton Honors Diamond status, you’ll accept to absorb $40,000 on the agenda aural the year to get it, which may not necessarily be ceremony it. And to acquire a chargeless weekend night certificate, you’ll accept to absorb $15,000 on the agenda aural a agenda year.
Not abiding which Hilton agenda to get? We acclaim aggravating to about plan out your abutting year of biking to see if the added ceremony fee is in actuality ceremony it. That may be adamantine to do, accustomed that we don’t apperceive abundant about biking yet in 2021, but if you accept an abstraction of how abundant you ability be on the road, you could be afraid to ascertain that the exceptional Hilton agenda can be ceremony the cost.
One added affair — if you grab one of these Hilton cards soon, all credibility becoming from purchases on all Hilton acclaim cards amid May 1 and December 31, 2020, calculation against Hilton aristocratic cachet and lifetime Diamond status.
Learn added about the Hilton Honors American Express Aspire Card.
Learn added about the Hilton Honors American Express Surpass Card.
Learn added about the Hilton Honors American Express Business Card.
Best agenda for Marriott hotels
For a bound time until January 31, 2021, new Marriott Brilliant Amex agenda associates can acquire up to 125,000 ceremony credibility — 100,000 ceremony credibility afterwards spending $5,000 in purchases in the aboriginal three months afterwards aperture the account, added an added 25,000 ceremony credibility afterwards your aboriginal ceremony of agenda membership. On top of the credibility earned, you’ll additionally get adulatory Marriott Platinum aristocratic cachet for one year, amid February 1, 2020, and January 31, 2022.
The Credibility Guy ethics Marriott credibility at 0.8 cents apiece, which makes the abounding 125,000-point ceremony ceremony $1,000 in travel. However, the 100,000 credibility you’ll acquire initially are admired at about $800.
Bonus action aside, the best affection of the Marriott Brilliant Amex is that, on an ceremony basis, you’ll get up to $300 in ceremony credits for Marriott purchases. Aback the agenda comes with a $450 ceremony fee, if you breach at a Marriott acreage aloof already or alert a year, you’ll acceptable be able to get the abounding bulk of the ceremony credits, finer authoritative your abroad bulk of accustomed the agenda aloof $150.
Also, starting with the added year you accept the card, the Marriott Brilliant Amex additionally comes with an ceremony accolade affidavit that can be acclimated at any Marriott auberge for one night costing 50,000 credibility or beneath — which about agency any Category 1-5 property, added off-peak and accepted redemptions at Category 6 hotels, and off-peak redemptions for Category 7 properties. That affidavit can calmly accomplish up the actual bulk of the ceremony fee afterwards you’ve acclimated the ceremony credits.
However, business owners attractive to accumulate their costs low appropriate now ability adopt the Marriott Bonvoy Business™ American Express® Card, which abandoned costs $95 a year. For a bound time through January 13, 2021, this agenda is alms 100,000 ceremony credibility afterwards you accomplish $5,000 in purchases aural the aboriginal three months of agenda membership. Plus, you can acquire up to $150 in ceremony credits aural your aboriginal six months of agenda associates for acceptable purchases on US announcement in baddest media.
Similar to the customer card, Marriott Business agenda associates will additionally get adulatory Marriott Bonvoy Platinum aristocratic cachet for one year, amid February 1, 2020, and January 31, 2022.
Learn added about the Marriott Bonvoy Brilliant American Express Card.
Learn added about the Marriott Bonvoy Business American Express Card.
Best agenda for IHG hotels
The IHG Rewards Club Premier agenda is currently alms a record-high 140,000 ceremony credibility afterwards you absorb $3,000 in the aboriginal three months. With a low $89 ceremony fee that’s waived for the aboriginal year, this is a acclaim agenda that IHG travelers should pay absorption to.
Although IHG credibility aren’t ceremony as abundant as some added auberge adherence programs, this sign-up action is still ceremony a appropriate $700 against biking based on The Credibility Guy’s valuations. But the absolute acumen to accept this agenda — and to accumulate it year afterwards year — are the benefits.
Our admired ceremony by far is the ceremony night affidavit you’ll get starting at the added year you accept the card. With this certificate, you can breach for chargeless at any IHG acreage costing 40,000 credibility or less. This ceremony abandoned can be ceremony hundreds if you use it at a auberge aback the banknote bulk is high, which can actual bound accomplish up for the ceremony fee.
On top of that, aback you accept the IHG Premier card, you’ll get your fourth night chargeless aback you use your credibility to redeem for a chargeless stay. If you acquisition yourself blockage at hotels for added than a few nights at a time, this advantage can be invaluable. And don’t balloon about the adulatory Platinum aristocratic cachet and corpuscle buzz aegis that you get with the agenda — two added allowances that are the icing on the cake.
Now, if you adopt not to pay an ceremony fee, you can accede IHG’s lower-tier acclaim card, the IHG Rewards Club Traveler Acclaim Card. This agenda offers a 100,000-point ceremony afterwards you absorb $2,000 on the agenda aural the aboriginal three months, and you’ll still get your fourth night chargeless aback redeeming points, added corpuscle buzz aegis (although you’ll abandoned be reimbursed for up to $600 per affirmation against $800 per affirmation with the IHG Premier). But you won’t get the blow of the added big-ticket card’s benefits.
Learn added about the IHG Rewards Club Premier Acclaim Card.
Learn added about the IHG Rewards Club Traveler Acclaim Card.
Best agenda for British Airways
If you get the British Airways Visa Signature Agenda appropriate now, you can acquire up to 100,000 ceremony credibility — 50,000 ceremony credibility afterwards you absorb $3,000 in the aboriginal three months, and an added 50,000 ceremony credibility afterwards you absorb $20,000 in the aboriginal year.
While $20,000 sounds like a lot, if you breach it bottomward monthly, it’s a added acquiescent $1,666 per month. However, accepting a acclaim agenda accumbent with an all-embracing airline is apparently not top of your ceremony appropriate now — abnormally due to abounding biking restrictions. But the accretion opportunities with this agenda ability abruptness you absolutely a bit.
Both British Airways and American Airlines are allotment of the OneWorld alliance, which agency you can redeem your British Airways credibility (which are alleged “Avios”) for calm American Airlines flights. And in fact, there are abounding scenarios area you can use decidedly beneath British Airways Avios than American Airlines afar for the exact aforementioned flight.
And for those who are attractive to fly British Airways internationally already biking resumes broadly, the British Airways Visa offers the befalling to accept a accompaniment fly with you for aloof the bulk of taxes and fees by spending $30,000 on the agenda in a agenda year to acquire a Biking Together Ticket. But be warned — those taxes and fees can sometimes be acutely high.
Learn added about the British Airways Visa Signature Card.
Best agenda for JetBlue
For the aboriginal time ever, JetBlue has added its sign-up ceremony action on the JetBlue Added Agenda to a whopping 100,000 ceremony credibility — 50,000 credibility afterwards spending $1,000 on the agenda in the aboriginal 90 days, added an added 50,000 credibility afterwards spending a absolute of $6,000 aural the aboriginal 12 months. While there are two spending tiers to accommodated to acquire the abounding bonus, you accept an absolute year to do it.
If you alive in a JetBlue hub, this is a must-have acclaim agenda — abnormally appropriate now aback the accepted action is ceremony $1,300 in biking based on The Credibility Guy’s valuations. Plus, one of the best allowances of the agenda is that you get 10% aback on all point redemptions, so the ceremony action abandoned will crop you an added 10,000 credibility as you eventually redeem them all.
Another nice advantage of the JetBlue Added Agenda is that if you’re able to absorb $50,000 on the agenda in a agenda year, you’ll get automated JetBlue Mosaic aristocratic status. While this cachet won’t get you a atom at the advanced of the plane, it allows you to change and abolish best flights for no fee — a advantage that’s acclimated absolutely generally in my own household.
And while the agenda accuse a $99 ceremony fee, you’ll accept 5,000 ceremony credibility on every ceremony anniversary, ceremony $65 based on The Credibility Guy’s valuations. While this doesn’t absolutely accomplish up for the ceremony fee, it reduces it significantly.
Best agenda for Southwest
A abundant sign-up action ability be one acumen to get this card, but the bulk goes alike deeper. First, the Southwest Rapid Rewards Performance Business Acclaim Agenda currently offers up to 100,000 ceremony credibility — 70,000 ceremony credibility afterwards spending $5,000 in the aboriginal three months afterwards aperture the account, and an added 30,000 ceremony credibility afterwards spending $25,000 in the aboriginal six months.
You can usually redeem Southwest credibility for “Wanna Get Away” fares at 1.5 cents each, so on the surface, this ceremony is ceremony a solid $1,500 against Southwest travel. But you can get alike added bulk than that. That’s because if you acquire 125,000 condoning credibility in a agenda year, you’ll acquire the coveted Southwest Accompaniment Pass.
The Accompaniment Canyon allows a acquaintance or ancestors affiliate to fly with you for chargeless — added basal taxes and fees — for the blow of the year it’s earned, added the absolute afterward year. Best of all, credibility becoming from this acclaim agenda sign-up action and spending on the agenda calculation against earning the pass!
So if you administer for the Southwest Performance agenda now and apply a little strategy, you can be on your way to earning the Southwest Accompaniment Canyon for best of 2021 and all of 2022. Here’s how: Aback you accept three months to accommodated the minimum absorb affirmation for the aboriginal allocation of the bonus, accomplish abiding to authority off on hitting that beginning until January 1, 2021, so that the ceremony credibility calculation in 2021 instead of 2020.
Then, already you accommodated the added allotment of the spending requirement, you’ll acquire the added 30,000 ceremony credibility for a absolute of 100,000 credibility from the sign-up bonus, and you’ll additionally accept becoming 25,000 credibility from spending $25,000 on the card. This gives you a absolute of 125,000 condoning credibility — the exact bulk appropriate to acquire the pass.
This agenda additionally offers abounding allowances that outweigh its $199 ceremony fee. You’ll get up to a $100 acclaim against the appliance fee for Global Entry or TSA PreCheck, four upgraded boarding passes per year and 365 Wi-Fi credits per year. That’s all on top of the 9,000 ceremony credibility you accept afterwards ceremony ceremony ceremony year, which itself is ceremony $135 against a Southwest flight.
Best biking agenda for consumers
If you’re attractive for simplicity, the Capital One Venture is the absolute biking acclaim card. And to accomplish it alike better, it currently appearance a limited-time action that allows you to acquire up to 100,000 ceremony afar — 50,000 ceremony afar afterwards you absorb $3,000 in the aboriginal three months, and an added 50,000 ceremony afar afterwards spending $20,000 in the aboriginal year.
With the Capital One Venture, you’ll acquire 2 afar for every dollar you absorb on every purchase, with no allegation to anguish about ceremony categories. Your afar can be adored for any biking acquirement on your acclaim agenda ceremony — this includes hotels, airfare, alternation rides, taxis, Uber, Airbnb stays and more.
You’ll get a anchored 1 cent per mile aback you redeem this way, acceptation you’re accepting a 2% acknowledgment on every dollar you absorb with the card. This makes the 100,000 ceremony afar ceremony $1,000 against about any biking acquirement you make.
But, aback biking is bound for abounding these days, Capital One is authoritative it alike easier to use your afar appropriate now. Through December 31, 2020, you can additionally redeem afar for both aliment commitment and alive casework in the aforementioned way and at the aforementioned amount as you do for travel.
For bodies who are adherence affairs experts, you can additionally alteration your Capital One afar to 15 altered airlines and hotels. Redeeming your afar this way can accomplish them ceremony more, but it takes time and accomplishment to acquisition admired redemptions aback you alteration your miles. So abounding bodies may adopt to artlessly use their afar to redeem anon for biking purchases at 1 cent each.
Other allowances of the Capital One Venture agenda accommodate continued assurance aegis and up to a $100 acclaim appear the appliance fee for Global Entry or TSA PreCheck. The agenda additionally doesn’t allegation adopted transaction fees, but it does accept a $95 ceremony fee.
Best biking agenda for businesses
If you’re in the bazaar for a adjustable business biking acclaim card, attending no added than the Ink Business Preferred. With the card’s accepted sign-up action of 100,000 bous credibility afterwards spending $15,000 on purchases in the aboriginal three months afterwards you accessible the account, you could be attractive at $2,000 in biking bulk based on The Credibility Guy’s valuations — the accomplished ceremony on our list.
The Ink Business Preferred earns Chase Ultimate Rewards credibility — agnate to the Chase Sapphire Preferred Agenda and Chase Sapphire Reserve — and you can use these credibility in a few altered ways. You can redeem them for banknote aback at 1 cent apiece, or redeem them for biking through Chase’s biking aperture at 1.25 cents apiece.
But to get the best bulk for them, you’d appetite to do some appointment and apprentice about Chase’s 13 airline and auberge biking partners, aback you can alteration your Ultimate Rewards credibility to any of these ally at a 1-to-1 ratio. Transferring credibility is the best way to get exceptional redemptions like aboriginal or business chic flights, but it does booty some time and accomplishment to acquisition the best awards.
Another advantage of the Ink Business Preferred — and possibly the best acumen to be a agenda holder — is its corpuscle buzz aegis benefit. Aback you pay your corpuscle buzz bill with the card, you and all your advisers on your buzz plan are covered if a buzz is baseborn or damaged. This can potentially save your business a lot of money, all while earning 3 credibility for every dollar you absorb on your buzz bill.
Other adorable allowances of the agenda accommodate acquirement protection, cruise insurance, cruise adjournment aegis and primary car rental insurance. But the one downside to this action is its aerial minimum absorb — $15,000 in the aboriginal three months afterwards you accessible the account. However, for abounding businesses, putting $5,000 per ages in business costs on a acclaim agenda may not be actual challenging.
Find out which cards CNN Underscored chose as our best acclaim cards of 2020.