Choosing the BEST Hotel Cards for Your Credit Card Setup

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So in this video, I’m joined by Uncle Luke from Luke’s Points and Miles, and we answer a request from a viewer to improve his credit card setup.

He currently has a core credit card setup made up of mostly Chase cards and Bilt to transfer to Hyatt, but he also has higher-tier Marriott cards for free night awards like the Amex Bonvoy Brilliant and Chase Ritz Carlton cards.

Specifically, he was trying to figure out how he could fill in the category gaps in his core setup and what hotel cards would work best given his current travel habits.

And there’s a great discussion about things to think about when making these decisions, so I hope you enjoy this video:

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Luke's Channel: @LukesPointsandMiles

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📚 Chapters:
00:00 Intro
00:37 Credit Card Question
02:10 Core Setup Explanation
10:39 Hotel Card Explanation

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[chrismcelroy]

If you guys could do more of these it would be awesome!!

[jimmyjames]

I'd roll with the Aspire. Hilton. For the Stay. Thanks for the info + video!

[Cryptid]

Personally the duo and well trio I should say that works for me is the Capital One venture X the Capital One savor and the Hilton surpass. Been rolling that trio for a couple years now I've gone on just about six trips and all have been covered entirely by my points

[nicky_rads]

Cool cool I like the breakdown ! Intrigued to hear why Luke doesn’t like airline cards or the Hyatt card.

[carracer]

I would disagree with needing to go all in on Marriott to justify the Ritz and Brilliant. With the Ritz you are essentially buying a 85K FNC for $150 and with the Brilliant it would be for $350. Considering these properties generally go for $500+ per night, you are essentially buying $1K worth of stay for $500 plus breakfast included for 2 nights. That breakfast at the higher end properties is generally $70 per night (2 guests) which is another $140 in value. All in you are paying $500 for $1, 140 value which seems like a win in my books.

[alanwu]

Great video! For the AMEX platinum card can you buy gift cards with the Fine Hotels + Resorts or The Hotel Collection to trigger the annual hotel credit and combine gifts cards for booking hotel later?

[thejokerspeaks]

I would go with the Hilton Surpass, allowing for a SUB in the Aspire later should he choose to. A great card at $15K spend, and it covers grocery and gas.

[tripppierce]

Question:
If I wanted to get all 3 Hilton Cards in one year would I be able to get the welcome offer on all of them if I applied for the Aspire first? Or do I have to get them in ascending order to get all the bonuses?

[DavidKnicks]

I only have the bilt out of all these cards

[alanwu]

When traveling to Japan do you use mostly credit cards to get points and rewards or use debit cards to maximize savings?

[williamfeliciano]

Wyndham hotels here in Ca are just old run down motel 6-8. Maybe else where is better

[FishPoints]

for gas, you can get 3x points with the Marriott Brilliant card, unless he wants/needs chase points then business cash 2% cash back at gas stations and restaurants on the first $25, 000 spent, while it's not 5x if they want to add to their setup for gas Costco Anywhere Visa Card by Citi if they use costco you get 4% cash back on gas and you get 2% on Costco purchases again that's only for Costco people

if they want to get into Hilton start with the basic Hilton card Earn 5X Points per dollar on purchases at U.S. gas stations & U.S. supermarkets

it really all depends on what you wanting to focus on as Captain planet would say THE POWER IS YOURS

[nightrider_]

I got my first credit card as Brilliant in March 2024. Can you help me setup an ecosystem for hotel fna Marriot or Hilton

[banderson]

Smartly 4% everything. I don't care if I'm leaving something on the table.

[timmcnamara]

Can you get a Marriott business card if my wife and I resell some things on Facebook marketplace? I think we've made like 350 in the last year. Does that qualify as a business?

[WhatsThePoints]

Luke makes a great point on needing a sufficient amount of loyalty to justify the Brilliant card

My question is what makes that more loyalist specific than the Hilton Aspire or for that matter what makes Marriott seem to demand more loyalty than Hilton to get value for someone who’s only a moderate traveler?

[Bayareasvc]

You have way to many rerun video’s of your live shows

[foto]

Ink Business Cash to buy visa gift cards at 5x for grocery and gas