Why? Because an individual can be a business too. The type of the business is called a sole proprietorship, which is the simplest business entity. Sole proprietorship is completely legit and is recognized by the Internal Revenue Services (IRS). In a sole proprietorship, your name is your business name and your SSN is your business Tax ID. For example, you can be a sole proprietor if you are a self-employed CPA, or you are doing independent contract work for a company, or if you are just selling items through online sites like eBay or through garage sales.

When applying for a business credit card, you have to indicate your SSN and the Tax ID of the business, which you can simply put down your SSN for both fields. For the vast majority of business credit cards, even if you are part of a corporation or LLC, you will still be personally liable for business debts and credit card issuers use your own credit report to determine your qualification. That’s why they’ll always ask for your SSN. Once you have established enough business credit, your company will be recognized as a separate entity and your personal credit will not be as much of an issue.

For example, here is an example screen shot of applying for a business credit card. You can see that SSN is suggested as a valid option for the business tax identification number.

For most business credit cards, the credit card itself won’t show up in your personal credit report. This means that you can open many new accounts, max out the credit limits without affecting your personal credit score.

With many business credit cards offering attractive perks, don’t forget to check out those deals from time to time.

The post How to Apply for Business Credit Cards as a Sole Proprietorship appeared first on CardBenefit.

If you like the flexibility of redeeming reward miles or points for any of your travel expenses, you may consider the following travel credit cards.

Apply Now

Citi Strata Premier^℠ Card

• For a limited time, earn 75,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
• Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$95

Credit Needed

Excellent, Good

Apply Now

Wells Fargo Autograph^℠ Card

• Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
• Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% Variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Intro APR

0% on Purchases

Intro APR Period

12 months from account opening

Annual Fee

$0

Credit Needed

Excellent, Good

Apply Now

Chase Sapphire Preferred^® Card

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel^℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel^℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

Intro APR

N/A

Intro APR Period

N/A

Annual Fee

$95

Credit Needed

Good to Excellent

Learn More

Bank of America^® Travel Rewards credit card

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards^® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Intro APR

0% on Purchases and qualifying Balance Transfers

Intro APR Period

15 billing cycles

Annual Fee

$0

Credit Needed

Excellent / Good

Apply Now

Citi Rewards+^® Card

• Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
• Plus, as a special offer, earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
• 0% Intro APR on balance transfers for 15 months on purchases; after that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Earn 2X ThankYou^® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou^® Points on All Other Purchases.
• The Citi Rewards+^® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
• No Annual Fee

Intro APR

0% on Purchases and Balance Transfers

Intro APR Period

15 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good

Learn More

Bank of America^® Premium Rewards^® credit card

• Low $95 annual fee.
• Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
• Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
• If you're a Bank of America Preferred Rewards^® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America^® accounts, credit to eligible Merrill^® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck^®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Intro APR

N/A

Intro APR Period

N/A

Annual Fee

$95

Credit Needed

Excellent / Good

Apply Now

Chase Sapphire Reserve^®

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel^℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel^℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck^®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
• Member FDIC

Intro APR

N/A

Intro APR Period

N/A

Annual Fee

$550

Credit Needed

Excellent

Apply Now

Ink Business Preferred^® Credit Card

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel^℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel^℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Intro APR

N/A

Intro APR Period

N/A

Annual Fee

$95

Credit Needed

Excellent, Good

Apply Now

The Business Platinum Card^® from American Express

• Welcome Offer: Earn 150,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024. Access is limited to eligible Card Members.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card^®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card^®.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• NEW! Make the Business Platinum Card^® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
• Earn 5X Membership Rewards Points^® on Flights, and Prepaid Hotels Booked through AmexTravel.com
• 1X points on other eligible purchases
• Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• $199 CLEAR^® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card^®.
• $695 Annual Fee.
• Terms Apply.

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$695

Credit Needed

Excellent, Good

The post Travel Credit Cards – Redeem Miles for Any Travel Purchases appeared first on CardBenefit.

How many miles do I earn from hotel stays?

Basically you will earn 10 Base Points and 1 mile for every $1 spent on room rates and services at Conrad, Canopy, Curio, Hilton, DoubleTree, Embassy Suites, Hilton Garden Inn, Hilton Grand Vacation, and Waldorf Astoria. 10 Basic Points and 1 mile for every $1 spent on room rate for Hampton and Homewood Suites. 5 Points and 1 mile for every $1 spent on room rate for Home2 Suites. You can only earn a maximum of 100 airline or rail miles per stay.

What are the participating mileage partners?

How do I convert HHonors Points for airline miles?

Many hotel loyalty programs allow you to transfer rewards points to airline miles, Hilton HHonors is doing the same. You can convert your points into airline miles with one of Hilton’s many frequent flyer partners. Participating airlines include domestic carriers, such as Delta and United, as well as international carriers like British Airways and Virgin Atlantic. You can view a full list of transfer partners here. Exchanges are in increments of 10,000 points unless otherwise stated. Exchanges may take up to 30 days to process; you can expedite the processing for a fee of $25 USD  and usually requires a minimum of 10 business days.

The post How to Earn Airline Miles from Hilton HHonors Rewards Program appeared first on CardBenefit.

Book Direct

You will earn Hilton HHonors points only when you book directly from Hilton. What does that mean? That means only when you book through Hilton.com, Hilton direct booking line, Hilton hotel, you are allowed to earn HHonors points. If you book from online third party travel agency such as expedia.com, booking.com, priceline.com, you are not able to earn rewards points.

Two Types of HHonors Points

There are two types of HHonors Points: HHonors Base Points and HHonors Bonus Points. The HHonors base points will count toward your qualification for elite status; the bonus points can only be added to your total points for redemption.

Two Way to Earn Rewards

Hilton HHonors offer members two ways to earn rewards: “Points & Points” or “Points & Miles”. When choosing “Points & Points”, you will earn base points plus bonus points on the dollar you spend in Hilton Hotels and if you choose “Points & Miles”, you will earn base points plus miles on the dollar you spend.

When enroll the HHonors rewards program, don’t forget to choose either “Points & Points” or “Points & Miles” in “My Way Earning Style Option” in your profile, otherwise, you will lose your bonus points or miles and only earn base points.

Here are the steps you can follow to secure your bonus points or miles:

1. Enroll to Hilton HHonors – this is easy, just follow the instructions.
2. In account overview, choose “Edit Preferences”;

3. In “preference” page, under “MYWAY EARNING STYLE PREFERENCES” click “change earning style”, you will see the following screen;

4. In “choose a my way earning style” page, you can find there are 2 earning options: points & points, points & miles, choose your preferred option style.

If you spend a lot of time in flight, then the Points & Miles Earning Style is right for you. If you want to maximize your points to earn free hotel rewards nights as soon as possible, then you should choose Points & Points as your earning style. You are not able to earn “miles & miles” instead of “points & miles”. However, HHonors points can be transferred to airline miles. Also, you can change your preferred earning method directly in the settings of your Hilton HHonors account any time you change your mind.

The post Hilton HHonors Rewards – What You Should Know appeared first on CardBenefit.

Does that mean you may miss a lowest hotel price? Nope, if you book direct from Hilton.com and then you find a lower, publicly available price anywhere else within 24 hours of your booking, Hilton will match it and give you a $50 credit, that is what Hilton Best Price Guarantee offers.

For Hotels inside the USA, Canada, Mexico and Puerto Rico, Hilton will give you a US $50 American Express Gift Cheque. The Gift Cheque will be sent to you the next business day after your stay is completed. For Hotels outside the USA, Canada, Mexico and Puerto Rico, Hilton will adjust your bill by US $50 (or local currency equivalent).

How to File a Best Price Guarantee Claim

In order to claim best price guarantee credit, you need to provide a confirmation number. So you must first have a confirmed reservation made through one of the official Hilton Worldwide booking channels:

• Any official Hilton Worldwide website
• Hilton Reservations & Customer Care
• Directly at a hotel in the Hilton Worldwide portfolio
• Through an IATA accredited retail travel agent professional (“Travel Agent”) booking through a Hilton Worldwide channel or the following Global Distribution Systems: Amadeus, Apollo/Galileo, Worldspan and SABRE.

Next, you must find a lower publicly available price on a non-Hilton Worldwide booking channel (except for “opaque” websites) for the same room type, at the same hotel, with the same dates and length of stay, same number of guests, same designation as either cancellable or non-cancellable, same advance purchase policies, and the same terms and conditions governing the room price.

Finally, you must complete and submit a claim form online, or you can call 1-800- HILTONS (International: 00 800 888 44 888) and follow the telephone representatives instructions to process the claim.

Please note: your claim has to be submitted within 24 hours of making your reservation and at least 24 hours prior to your arrival at the hotel. The same accommodations must be available for purchase at the Lower price when Hilton validate your claim.

The Fine Print

Hilton Best Price Guarantee does not apply in the following situations:

• Prices available on “opaque” websites where the hotel brand and specific hotel are not known until the booking is made (e.g., Priceline.com, Hotwire.com).
• Hotel packages or travel packages which may include hotel, airfare, car rental, food and beverage offers or other similar packages or amenities.
• Discount or negotiated prices not available to the general public, including but not limited to the following rates: membership (e.g., AAA, AARP or Saga), corporate, government, promotional, unpublished, Senior HHonors®, employee, offline wholesale/FIT, pre-paid rates which may include a voucher (including electronic vouchers), group or other specially negotiated rates.
• Reservations made within 24 hours of arrival.

The post What is Hilton Best Price Guarantee and How to File a Claim appeared first on CardBenefit.

Buy HHonors Points. If you need more HHonors Points. You can buy them through your Hilton HHonors account in order to redeem rewards. Members may purchase up to 40,000 HHonors Bonus Points per calendar year. Points must be purchased in 1,000 point increments. Total cost of points will be shown to Member during the purchase process before the purchase is completed.

You can also buy HHonors points while booking a reward reservation. Members can purchase an unlimited number of points up to the total number of points required to redeem the Member’s desired Reward Stay. Purchased points do not count toward membership-tier qualification.

Transfer HHonors Points. HHonors Points can be transferred from your account to another member’s account in increments of 5,000 points up to 200,000 points per transaction at a nominal processing cost. There is no limit to the number of HHonors Points a member can transfer or receive; after transferring 200,000 points in a calendar year, subsequent transfers that year have no fee. You can also directly combine multiple accounts by signing into your HHonors account and clicking Combine Accounts. However, multiple members, such as spouses, cannot share an account.

HHonors Points Registry. You can also set up a points registry to receive points. Registries are great for celebrating weddings, anniversaries, birthdays, or other special occasions. Set up an HHonors Points Gift Registry here.

Donate your Hilton HHonors Points for a Good Cause. For every reward point donated, Hilton HHonors will make an equivalent cash donation to the donator’s choice of organization or cause. Donations are handled through PointWorthy.com, the partner that unlocks millions of dollars of value in unused and donated loyalty points for charities. Create a PointWorthy account and link it to your Hilton HHonors account, then choose from amongst thousands of charitable organizations. Donations have to be a minimum of 4,000 points, which has a cash value of $10 USD.

The post How to Purchase, Transfer and Receive Hilton HHonors Points appeared first on CardBenefit.

With PointSavers, you can redeem free nights for less. If a Category 1 Hotel costs 7,500 Reward points to redeem, then you can use 7,500 PointSavers to redeem a Category 2 Hotel. If a Category 2 Hotel costs 10,000 Reward points, then a Category 3 Hotel costs 10,000 PointSavers. Here is a table of the reward point conversions.

How do I book Marriott PointSavers?

• When searching for a hotel, check “Use Marriott Rewards points.”
• Enter your location and dates, then click “Find.”
• Select the hotel of your choice, and click “View Rates.”
• When PointSavers are available, it will display under room details.

Are your dates flexible?

• Go to Find & Reserve and check “Use Marriott Rewards points” and “My dates are flexible.”
• Enter your location and dates, then click “Find.”
• Select the hotel of your choice, and click “View Rates.”
• A calendar will display showing you when you can find the lowest points available.
• Lowest points are PointSavers deals!

Have any further questions or comments? Contact Marriott customer service.

The post What are Marriott PointSavers and How Can I Redeem Them appeared first on CardBenefit.

Here’s how the Marriott best rate guarantee works:

• Book a Marriott room using any Marriott reservation channel (Marriott.com, Marriott Hotel Telephone Reservations, or directly at a hotel).
• If within 24 hours of making your reservation, you find a lower hotel rate for the same hotel, room type and reservation dates, then submit a qualified claim form, Marriott will match the rate and give you an extra 25% discount on the room.
• If you found a lower rate through a Marriott Reservations Channel, a travel agency, or a travel management company, you must reserve the second reservation before completing the claim form. If you found your lower rate through a non-Marriott Internet site, you do not need to make a second reservation, but you will need to provide the Web address where you saw the lower rate.
• When submitting the form, you need to provide the information of the room rate reserved at an official Marriott source and the “Comparison Rate” information such as room rate, currency, where did you find the lower rate, and a completed Claim Form has to be submitted within 24 hours and must be for the same hotel, room type and reservation dates.

The Fine Print

• The Best Rate Guarantee does not apply to the following: Delta Hotels, Protea Hotels®, Ritz-Carlton Montreal, The Ritz London, Hotel Ritz Madrid, and Ritz-Carlton Residences.
• One reservation must be made through any Marriott reservation channel such as Marriott’s worldwide reservations centers, a Marriott hotel or an official Marriott website, for one of the following brands: JW Marriott®, Renaissance® Hotels, Autograph Collection® Hotels, Marriott Hotels®, Marriott Vacation Club®, Marriott Executive Apartments®, The Ritz-Carlton®, Gaylord Hotels®, AC Hotels by Marriott®, Courtyard®, Residence Inn®, SpringHill Suites®, Fairfield Inn & Suites® , TownePlace Suites®, Moxy Hotels®, Atlantis, BVLGARI®, and EDITION®.
• The “Comparison Rate” must be found, and a completed claim form submitted, within 24 hours of booking the reservation through the Marriott reservation channel and must be for the same hotel, room type and reservation dates. In addition, if the Comparison Rate is found on the day of arrival, the claim must be submitted by 11:59 p.m. of that day in the hotel’s time zone in order to ensure timely processing.
• Marriott will verify the Comparison Rate within 24 hours of receiving your claim and notify you of the results. For claims submitted on the day of arrival, the claim will be processed within approximately four hours.
• When multiple rates for the same hotel, reservation dates, and room type are available through a Marriott channel you must reserve the lowest rate to be eligible for the guarantee.
• The Comparison Rate must be reservable by the general public and be verifiable by Marriott. If the Comparison Rate is offered through a Marriott channel, you must reserve that rate to qualify for the guarantee. Marriott will not charge a cancellation fee. If the Comparison Rate is reserved through a non-Marriott channel, Marriott is not responsible for any fees or other costs incurred due to cancellation of a reservation.
• Rate comparison will be made net of any taxes, gratuities, or any other fees associated with the room rate, and the Comparison Rate must still be available at the time Marriott validates the claim. Rate disparities primarily attributable to fluctuations and/or differences in currency exchange rates are excluded from the guarantee. Marriott may deny claims where the difference between the comparison rate and the rate on the Marriott reservation channel is less than $1.
• Comparison Rates applicable to only a portion of your entire scheduled stay will not be honored. Comparison Rates applicable to a multi-day stay will not be honored if the total room cost of the stay is the same or greater than the total room cost through a Marriott channel.

Have any further questions or comments? Contact Marriott customer service.

The post What is Marriott Best Rate Guarantee Policy appeared first on CardBenefit.

The Ritz-Carlton Rewards program is in most aspects the same thing as Marriott Rewards, but with a different name and branding. Marriott Rewards can earn and spend points at Ritz-Carlton hotel properties, and Marriott elite members receive the same treatment at Ritz-Carlton hotels as Ritz-Carlton elite members of the same level, (i.e. Marriott Rewards Gold member = Ritz-Carlton Rewards Gold member). You are only allowed to be a member of one Rewards program.

There are two main differences

Promotions

A couple times a year, Marriott runs their MegaBonus offer, in which two stays earns a free night. For most members the free night is capped at a redemption for a category 4 hotel.

Ritz-Carlton also has the same promotion of stay two get one night (up to 2 free nights), but it is specific to earning for Ritz-Carlton stays, and allows redemption for a Ritz-Carlton night instead of a mid-tier Marriott night.

Co-branded credit cards

The Ritz-Carlton Rewards credit card offers Gold status free the first year, and then renews Gold after $10,000 in spending each year. There are annual travel credits and hotel credits to offset the $395 annual fee for the card. You also receive 2 complimentary nights at any participating Tier 1-4 Ritz Carlton hotel, after you spend $3,000 on purchases in the first 3 months from your account opening.

The Ritz-Carlton Rewards credit card details:

• Annual Points Premium: Receive a 10% Annual Points Premium on Ritz-Carlton Rewards points earned through card purchases made during the year.
• Points per $1 Spent at any Participating Ritz-Carlton Hotel or our Worldwide Partner Hotels: Earn 5 points per $1 at any participating Ritz-Carlton® hotel or our worldwide partner hotels including JW Marriott®, EDITION®, Autograph Collection® Hotels, Renaissance® Hotels and Marriott Hotels & Resorts®. Earn 2 points per $1 on airline tickets purchased directly with the airline, and at car rental agencies, and restaurants, and 1 point per $1 on all other card purchases.
• Upgrades to the Ritz-Carlton Club® Level Each Year: Enjoy complimentary upgrades to The Ritz-Carlton Club® Level 3 times annually on paid stays of up to 7 nights. Advanced reservations and e-certificate are required.
  Annual Travel Credit: $300 annual travel credit to use for baggage fees, Global Entry fees, seat upgrades, access to your preferred airport lounge and more.
• Hotel Credit on Paid Stays of 2 Nights or Longer: $100 hotel credit toward dining, spa, or other hotel recreational activities on paid stays of two nights or longer.

The Marriott Rewards Premier Credit Card offers Silver Elite status right after account approval and every year after account anniversary. You receive one free night stay at category 1-5 hotels every year after your account anniversary.

The post What is the Difference between Ritz-Carlton Rewards and Marriott Rewards appeared first on CardBenefit.

To earn your free night, simply follow the 3 steps:

• Join Marriott Rewards for free. You will be automatically registered to earn your free night certificate.
• Stay twice at participating hotels during your earning period. Your earning period starts the day you enroll through the end of that month, plus an additional 120 days. Your electronic free night certificate will be automatically deposited into your Marriott Rewards account after completing two qualifying paid stays.
• Earn a free night at a category 1 – 5 hotel after your 2nd paid stay. A category 5 hotel is worth around $250 depending on the location.

The Fine Print

A stay is defined as consecutive nights spent at the same hotel, regardless of check-in/check-out activity.

Free night certificate must be redeemed within one year from the date of issue and is for a standard room type. You may use additional Marriott Rewards points to upgrade your room type. At participating Residence Inn and TownePlace Suites properties, Certificates are for a studio or one bedroom. Certificate is valid only in connection with individual travel and is not applicable to group travel, package tours, conventions or other special rates and/or package programs.

Participating Marriott hotels include the following brands: JW Marriott®, EDITION®, Autograph Collection® Hotels, Renaissance® Hotels, AC Hotels by MarriottSM, Marriott Hotels & Resorts®, Courtyard by Marriott®, Fairfield Inn & Suites by Marriott®, SpringHill Suites by Marriott®, Residence Inn by Marriott®, TownePlace Suites by Marriott®, Gaylord Hotels®, Marriott Vacation Club® brands, and Ritz-Carlton®.

Have any further questions or comments? Contact Marriott customer service.

The post Marriott Rewards New Member Promotion – Earn a Free Night after 2 Paid Stays appeared first on CardBenefit.