Your hotel points strategy is off – Here’s why collecting Hilton points is better than collecting Hyatt points

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I’ve adjusted my view of hotel award nights in a dramatic way.

You and I tend to get caught up in two factors when we’re deciding which hotel points to earn:

  • Value per point
  • Required number of points per night

Neither of these things matter. AT ALL.

There’s only one question you should ask when deciding which hotel currency to collect: How much effort will it take to earn a free night?

I used to be a big Hyatt fanboy (I still love them) — but I’ve learned that Hilton points blow Hyatt points to smithereens, despite the fact that Hilton points aren’t nearly as valuable as Hyatt points. Hilton wins in just about every way — from its hotel credit cards to Hilton elite status its fifth night free program.

I’ll explain. And you can subscribe to our newsletter for more miles & points strategies like this.

Hyatt vs Hilton — the results will surprise you. (Photo by Joseph Hostetler/Million Mile Secrets)

Fastest route to award nights – Hyatt or Hilton?

Hyatt is just about every miles and points enthusiast’s favorite hotel loyalty program. They used to be mine, too.

Hyatt’s got fantastic hotels in some of the most popular destinations in the world. I’ve never been disappointed in the quality of a Hyatt hotel. That’s something I can’t say about any other points hotel chain.

The Hyatt award chart is also relatively inexpensive. Their standard award rooms top out at 40,000 points per night (with the vast majority of their hotels pricing at 30,000 points and below). That’s tens of thousands of points fewer than any other popular hotel award charts. So does that mean Hyatt points are the fastest way to a free night?

Not even close!

Let’s compare Hyatt with another popular hotel chain: Hilton.

Focus on the amount of spending required to earn a free night (NOT the amount of points)

MMS estimates Hyatt points value to be around 2 cents each. In other words, we don’t generally like to redeem Hyatt points unless we’re getting at least that much value from them. Depending on where and when you use them, you can see dramatic fluctuation in either direction.

On the other hand, Hilton points are worth at least 0.5 cents on average according to our estimation. As with Hyatt, you can get far more or less depending on how you use them. Be sure to read our post about the best use of Hilton points to see how you can dramatically increase the value of your points.

But Hilton has distinct advantages over Hyatt:

  • Amount of hotels (nearly four times that of Hyatt)
  • Earning rate

Hilton’s award prices go MUCH higher than Hyatt (more than double). But it’s still far easier to earn a free night with Hilton. Here’s a look at the Hyatt award chart:

There is no Hilton award chart, but the standard room prices for their hotels fluctuate between 5,000 and 95,000 points per night (even 120,000 points per night in a few hotels). In other words, if you want to stay in a top-notch five-star Hilton resort, you can expect to pay 55,000 more points than Hyatt will charge for its absolute best jaw-dropping resorts.

It seems OBVIOUS that free nights with Hyatt are far easier to earn — they’re 55,000 points cheaper for crying out sakes! But in fact it’s the opposite, because Hilton points are WAY easier to earn than Hyatt. They’re so easy you won’t even believe it. Hilton gives away points like they’re hot potatoes.

Hilton gives you more points for hotel stays

1. Base points

When you stay at a hotel, you’ll earn a certain amount of “base” points per dollar you spend at the hotel (for room rate, dining, spa services, room service, etc.):

  • With Hyatt, you’ll earn 5 points per dollar
  • With Hilton, you’ll earn 10 points per dollar

Immediately, you can see Hilton gives you twice as many points as Hyatt for hotel stays.

2. Elite status

If you’ve got elite status with either of these hotel chains, you’ll receive bonus points on the amount of base hotel points you earn.

With Hyatt, you’ll get:

  • Discoverist Elite Status – 10% bonus (5.5 total points per dollar at Hyatt)
  • Explorist Elite Status – 20% bonus (6 total points per dollar at Hyatt)
  • Globalist Elite Status – 30% bonus (6.5 total points per dollar at Hyatt)

With Hilton, you’ll get:

  • Silver Elite Status – 20% bonus (12 total points per dollar at Hilton hotels)
  • Gold Elite Status – 80% bonus (18 total points per dollar at Hilton hotels)
  • Diamond Elite Status – 100% bonus (20 total points per dollar at Hilton hotels)

WOW. Hilton’s top two elite statuses earns triple the points of the equivalent Hyatt elite statuses. You can even earn Hilton elite status simply by holding certain cards. Gold status comes with the Honors American Express Surpass® Card — and Hilton Diamond status comes with the Hilton Honors Aspire Card from American Express.

3. Promotions

In addition to the base points you’ll earn, Hilton offers perpetual bonus points promotions. Here are the current promotions for both Hyatt and Hilton:

  • Hyatt – Earn triple base points (at least 15 points per dollar) between June 15 and September 15, 2020. Hyatt elite status members will receive 2,500 bonus points for the first qualifying stay (terms apply)
  • Hilton – Earn 2,000 bonus points per stay. Also earn an extra 10,000 points for completing 10 nights, through September 7, 2020 (up to 30,000 bonus points for every 10 nights)

I have to admit, Hyatt’s running an unusually lucrative promotion to try and woo travelers back in the wake of COVID-19. At this moment, I’d call a tie between these promotions.

Hilton gives you more points via credit card perks

Now let’s quickly look at the earning rate of both Hyatt and Hilton cards.

Here are the cards that earn the most Hyatt points:

The World Of Hyatt Credit Card:

  • 4 Hyatt points per dollar at Hyatt hotels
  • 2 Hyatt points per dollar restaurants, airline tickets purchased directly from airlines, local transit, fitness clubs, and gym memberships
  • 1 Hyatt point per dollar for everything else

The Chase Sapphire Reserve earns Chase Ultimate Rewards points, which you can transfer to Hyatt at a 1:1 ratio:

  •  3 points on travel (excluding the card’s $300 travel credit) & dining at restaurants
  • 1 point per dollar on all other purchases

Here are the cards that earn the most Hilton points:

Hilton Honors American Express Surpass® Card:

  • 12 Hilton points per dollar spent at Hilton
  • 6 Hilton points per dollar on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
  • 3 Hilton points per dollar on all other eligible purchases
  • $95 annual fee (see rates and fees)
  • Terms Apply

Hilton Honors Aspire Card from American Express:

  • 14 Hilton points per dollar spent at Hilton
  • 7 Hilton points per dollar on purchases at U.S. restaurants, for flights booked directly with airlines or Amex Travel, and car rentals booked directly with select car rental companies
  • 3 Hilton points per dollar on all other eligible purchases
  • $450 annual fee (see rates and fees)
  • Terms Apply

Which hotel chain wins in real-life scenarios?

As you can see, every time you swipe your Hilton card you’re almost guaranteed to earn between two and three times the amount of points you could earn if you’d used a Hyatt points earning card. Here are some examples.

Non-bonus spending

Cards that earn Hyatt points earn 1 point per dollar for non-bonus spending. That means you’d need to spend at least $5,000 to earn a free night at the lowest-category hotel (which costs 5,000 points). And $40,000 in non-bonus spending for a night at Hyatt’s best hotels (which cost 40,000 points).

Hilton cards earn 3 points per dollar for non-bonus spending. That means you’d need to make at least $1,667 in non-bonus spending to earn a free night at the cheapest hotel (which costs 5,000 points). And $31,667 in non-bonus spending for a night at Hilton’s best hotels (which cost 95,000 points).

Winner: Hilton

Hotel spending

If you’ve got The World of Hyatt Card, you can earn 9.5 Hyatt points per dollar at Hyatt hotels (5 base Hyatt points per dollar + 4 bonus points per dollar for spending with The World of Hyatt Card + 0.5 bonus points per dollar for Discoverist elite status which comes with the card). That means you’ll need to spend $527 with Hyatt to earn a free night at the lowest-category Hyatt hotel (costing 5,000 points), and $4,211 for a free night at Hyatt’s best hotels.

If you’ve got the Amex Hilton Surpass, you can earn 30 Hilton points per dollar at Hilton hotels (10 base Hilton points per dollar + 12 bonus points per dollar for spending with the Amex Hilton Surpass + 8 bonus points per dollar for Gold elite status which comes with the card). That means you’ll need to spend $166 with Hilton to earn a free night at the lowest-category Hilton hotel (costing 5,000 points), and $3,167  for a free night at Hilton’s best hotels.

Hilton’s got hotels just about everywhere in the world, including Iceland. (Photo by Joseph Hostetler/Million Mile Secrets)

On top of this, Hilton will give anyone with elite status the 5th night free on a stay of five or more consecutive award nights. That makes your Hilton points even more valuable.

Winner: Hilton

Travel and dining

If you’re spending with the Chase Sapphire Reserve, you’ll earn 3 points per dollar for travel and dining (remember, Chase points transfer to Hyatt at a 1:1 ratio). That means you’ll need to spend $1,667 to earn a free night at the lowest-category Hyatt hotel (costing 5,000 points), and $13,334 for a free night at Hyatt’s best hotels.

If you’re spending with the Amex Hilton Aspire, you’ll earn 7 Hilton points per dollar for U.S. restaurants, flights booked directly with airlines or Amex Travel, and select car rental agencies. That means you’ll need to spend $715 to earn a free night at the lowest-category Hilton hotel (costing 5,000 points), and $13,572 for a free night at Hilton’s best hotels.

Winner: It’s a close one, but Hilton

Welcome bonuses

Here are some of the welcome bonuses you can earn to increase your Hyatt points balance:

And here are the welcome bonuses you can earn to increase our Hilton points balance:

COVID-19 card improvements

This is a bit tangential, but I think it’s worth mentioning. Card issuers have been doing really well in making positive changes to their cards in light of the coronavirus lockdown. Here’s what Hilton has done:

  • Both the Amex Hilton Surpass and the Amex Hilton Aspire earn 12 Hilton points per dollar at U.S. supermarkets (May through July 2020).
  • Bonus points earned with any Hilton card will count towards elite tier qualification and lifetime Diamond Hilton status
  • The Amex Hilton Aspire annual $250 annual Hilton resort credit can now be redeemed for purchases at U.S. restaurants (takeout and delivery included) from June to August 2020
  • Weekend night certificates earned with Hilton cards can now be used for any day of the week (not just between Friday and Sunday). Certificates issued before May 1, 2020, are valid through August 31, 2021. Certificates issued between May 1 and December 31, 2020, are valid for 24 months

Hyatt has taken a couple measures to improve their cards as well, though it falls short of Hilton’s efforts. When you apply for The World of Hyatt Card between April 15 and June 30, you’ll receive:

  • 10 elite night credits instead of the standard five elite night credits that normally come with the card
  • 3 elite night credits for every $5,000 you spend on the card instead of the standard two credits you’d normally receive

Bottom line

It’s true, Hyatt points are more valuable than Hilton points. After all, you can reserve five-star Hyatt hotels for HALF the price of five-star Hilton hotels.

But here’s the secret: You can earn Hilton points two to three times faster than Hyatt points. As a matter of fact, you’ll earn Hilton points at LEAST twice as fast in just about every fathomable scenario. Plus, your points will last longer because Hilton gives anyone with elite status their 5th night free on stays of five or more consecutive award nights.

For these reasons, you can achieve free nights at Hilton more easily than Hyatt (far more easily, in most cases).

For rates and fees of the Hilton Surpass card, click here.

For rates and fees of the Hilton Aspire card, click here.

Let me know if you disagree in the comments! And subscribe to our newsletter for more common-sense strategies like this.

Joseph Hostetler is a full-time writer for Million Mile Secrets, covering miles and points tips and tricks, as well as helpful travel-related news and deals.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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2 months ago

Joseph it’s one thing to say that the HH credit card is better for earning than the Hyatt card. No disputing that. It’s pretty intellectually dishonest to act as though there are any Hiltons available that have 5k award nights. A STEAL would be a 10k one like a DoubleTree in eastern Europe, and typically the lowest you’ll find is 15-20k even off peak at low end US properties.

Your argument is a stretch at best, and with the current Hyatt promo there is absolutely zero comparison and Hyatt wins hands down for the next couple of months.

I know you know that so I’m surprised at this piece

3 months ago

Hi Joe;
Excellent article. Would you be able to do a similar article comparing Hilton, Marriott and IHG?
Since I live in Canada unfortunately I am unable to utilize the CC info. Many Thanks.

3 months ago

You still haven’t convinced this old timer that Hilton is better than Hyatt. Does the Hilton card return a higher commission to MMS?


3 months ago

I’ve tried doing those kinds of calculations a few times, but it is tricky. For instance, how do I figure in the 2+ free nights annually I get with Hyatt card and the free upgrades? Or waiving those disgusting resort fees?

If I only look at best deal, I come up with Choice hotels. But that’s not an experience, just a nice place to sleep. I also look at factors besides best deal. For example, has a hotel in the chain ever pulled something I never forgave them for? Hilton – check. Am I regularly disappointed in some way during a stay? IHG – check. Do I consider the rooms too inconsistent to bother with anymore? Best Western – check. Is it always very good, but rarely great? Marriott – check. You get the idea. So when all things are considered, including their restaurants and personal touches and never screwing up, the big winner for me is still Hyatt. Hyatt is by far my favorite chain. But I enjoyed all that went into the article. It was a great read.


Steven M
3 months ago

Right now through end of July the Hilton Aspire card is giving us 12x points on supermarket purchases, which is the majority of our monthly spend.

Just got the monthly statement and noticed $500 of our spend at a food warehouse wasn’t coded for the 12x points, so called Amex and had a nice and polite conversation. Got those 12x points credited … which meant an additional 4500 Hilton points for having a friendly 5-minute phone call.

3 months ago

@Harry: My exact thoughts. I collect hotel points to NOT use cash for a hotel stay. I don’t use spa services, or room service, and almost NEVER eat in the hotel’s for-fee dining room. My goal upon checkout is to have a ZERO balance due.

The only advantage of Hilton over Hyatt is the worldwide footprint. If you go off the beaten path, you may not be able to find a Hyatt. But if you stay on the beaten path, stay in large cities or popular tourist destinations, you are likely to find a Hyatt. Or even several different Hyatt brands to choose from.

Perhaps Hilton and/or Amex is currently offering some sort of bonus or promotion to owners of credit card shilling websites (like MMS and its corporate sister, The Points Guy) to tout its products. That’s the only rationale I see in pushing Hilton Points ahead of Hyatt Points.

Steven Wilson
3 months ago

I primarily collect Chase points for their value. At least 1.5/dollar for everything, but 5x for utilities, office supplies, rotating categories, and 3x for restaurants and travel. When I compare dollars spent on the front end, and similar quality hotel rooms on the back end, Hilton almost never stacks up to Hyatt.

3 months ago

Reviewing IHG, Marriott, Hilton and Hyatt hotels recently for a possible west coast visit in mid September – I found only IHG to have a value per point equal to or above the average. I was rather shocked that Hilton – with an average per point value of .005 was no where near that on hotel where I checked the cash price and then divided it by the points for points cost. In several cases the points value was less than .003/pt. I’ll pay cash before I give away 40,000 pts for a nightly cash rate of $109. Perhaps its a way to cover the cost of covid 19 enhancement expenses. I’ll save the points and hope things change in the future.

3 months ago

If MMS values Hyatt points at 2 cents and Hilton points at 0.5 cents, if you are not earning Hilton points at a rate of 4x the rate you earn Hyatt points, then you are not getting as much value from the spend. And you really can’t compare a category 1 Hilton hotel which is 5000 points to a category 1 Hyatt hotel that is also 5000 points. You valued the points for a reason, a 5000 point Hilton hotel is effectively worth $25 per night and a 5000 point Hyatt is effectively worth $100 per night. That is obviously not the case, so those valuations are probably not accurate. I put the valuations at more like 1.5 cents for Hyatt and 0.5 for Hilton. This makes Hyatt points 3x as valuable as Hilton and that translates pretty accurately to the earn rates as well.

3 months ago

Hilton is all I use. Very satisfied with award nights and bonus points! And the large selection of hotels.

3 months ago

I understand, but don’t agree with the above analysis. Every time I’ve look at a Hyatt property and comparable Hilton property in the same location the Hilton points needed are about 3 times higher than Hyatt. And as you note are valued at 4 times less. (Hilton 0.5 cents a point and Hyatt 2 cents a point). So while you earn 3 times more points with Hilton card than Hyatt card it doesn’t offset.

And also 1.5%-4.5% points earned on Chase card redeemed to Hyatt at 1:1 rate is superior to regular spending on those chain cards anyway.

5 months ago

The trouble with your analysis is that your best way to earn Hilton points buy paying for Hilton hotel rooms!
My objective is to NOT Pay for any hotel rooms!
I realize some people travel for business a lot, but that is my situation!

7 months ago

I just switched from Hilton to Hyatt, without the 3x offer it’s not worth it because the redemption of Hilton points are so much higher. The quality of the hotel obtained by fewer points with Hyatt is much more valuable than boatloads of Hilton points. Therefore, I use Hyatt as much as possible and then Hilton when I can’t find a Hyatt. I do believe the point valuations for Hilton hotels are undervalued, they get horrible redemption rates with partners but if your using them at a Hilton property they are pretty valuable, especially if you can find a good redemption rate. The problem with Hilton is specifically that everyone can get diamond. They need a higher tier for those truely devoted customers. And, not mentioned here but Mariott, their setup is fair at best I have no idea how they are so popular other then with the general public.

Matthew Boyle
11 months ago

Have y’all looked at the Hilton award costs lately? I can’t find a decent hotel overseas for anything close to 95,000 per night. Cheapest is about 250,000 points. It seems Hilton is fighting Venezuela for the biggest currency devaluations of the year.

Practically speaking, Hyatt points on average are worth six times what Honors points are worth. You earn Hilton points 2-3 times faster but you still earn meaningful free stays faster with Hyatt. I mean if your goal is to earn a night at a Hampton Inn in Kansas City maybe Hilton wins but if you want to go to more exotic places Honkrs points are virtually worthless.

11 months ago

These are good points, but I still think Hyatt comes out on top, for a few reasons.

It’s trivial to get 2 or far more cents/point in value with Hyatt points everywhere from the very low end to the high end of their offerings. With Hilton, you’re typically going to get .5 cents/point or slightly above. Sure, you CAN get more, but at those same locations you’ll also be getting a lot more from Hyatt. So, yes, you can earn points at a faster rate, but I think Hyatt points are easily worth 3x Hilton points, or more.

It’s easy to earn 1.5 points/$ for non-category spend — just get a Chase Freedom Unlimited card. There’s no equivalent for Hilton. If you value Hyatt at least 3x that of Hilton points, that gives you a non-category value of the equivalent of 4.5 Hilton points/$, versus 3 Hilton points/$ for non-category spend on its cards.

Similarly, even in your examples of elite bonuses, etc., if you divide the value of Hilton points by 3 (or multiply the value of Hyatt points by 3) which is again I think a conservative estimate, you’re still getting equal or greater value in Hyatt points in most of the examples — credit card earning, elite status earning, and so on.

There is ONE way in which Hilton points are superior — Hilton has a lot of very low-end properties where you can get a free night for a mere 5,000 Hilton points, which is equivalent to around 1,650 or so Hyatt points by my reckoning. There simply are no Hyatt hotels that far down at the low end. So if you want to earn a hotel currency that can give you a bed at a cheap hotel for less, then Hilton is a winner. And, of course, Hilton has a lot more properties, which is sort of a corresponding win. Hyatt is more consistent but they don’t have a super low end, inexpensive redemption option. For me, that’s not particularly interesting — I use my points to get nice accommodations for less, when I want to travel on the super cheap I just pay cash.

Finally, and this is particularly important from my point of view — there is no effective way to earn Hilton points with transferrable currency. Earning Hyatt points on the Chase Sapphire Reserve is almost as good as using the World of Hyatt cobranded card, so if I want to maximize my flexibility while at the same time getting great value from my Hyatt redemptions I can have my cake and eat it too. With Hilton, however, you’d be a fool to transfer from a flexible currency; you’re losing a ton of value there.

There’s one other way in which Hilton has an edge — the Aspire card gives you top-tier status out of the gate, Hyatt has no similar path to automatic status. It is difficult to get Globalist without a lot of actual night stays, and it’s more than I am ever going to get. I have, however, managed to get Explorist, for now, using a combination of credit card status and matching, though who knows how long that will last.

Overall, however, to me, Hyatt still comes out clearly on top, for all the above reasons.

1 year ago

Hi Joseph,
Hilton points may be easier to earn, but the spending rate does not equate to quality of hotels. Hyatt posh hotels does not charge a resort/amenity fee when booking with award nights or booking with points, unlike some of the Hilton top tier brands. With Hyatt’s new collection of hotels, they have some great category 4 to 6 spots, similar categories in Hilton are subpar, since Hilton have like 14 hotel brands. Earning hotel points faster is not ideal, if the hotel is more restrictive and elusive.

1 year ago

Nice assessment.

I love Hilton’s. I have been a Hilton point “hoarder” for a while now. Waiting for retirement in 2-3 years. Plan is to use for 5th night free as we travel to check off our bucket list locations. Most of my points were earned from CC use, rewards dining programs and capitalizing on the stay bonuses. We are at 1,026,526 point now. I know deval has taken a hit on our stockpile but our strategy is in place. My wife will soon be applying for the Ascend card also.
Ca ching! Not to say other chains are not in my plan, Marriott @ 500k and growing, but I prefer Hiltons. All depends on the current situation at booking time.

Steven M
1 year ago

All excellent points and in addition two points on the Hilton Amex Ascend card:
1. You get 10 priority pass passes, and those can also be used in several US airport restaurants to dine nearly for free
2. If you sign up via Hilton you get 5K more points

1 year ago

I’m actually coming to the same conclusion right now. Hilton seems to be the program to use now. Combination of relative ease to earn points, ease of attaining a meaningful status, the elite benefits and massive footprint of Hotels that I would redeem for.

For me the Hyatt sweet spot is the Ziva resorts and for this I do earn the Hyatt bonus to amass bonus points but getting status is just too difficult.

I’ve long been an IHG guy but transitioning away to Hilton – there are just too few “aspirational” properties with too few elite benefits. Eg. Intercontinental Cannes looks great but no breakfast, no room upgrade, no lounge access…….. Makes it an expensive stay.

Reply to  Joseph Hostetler
1 year ago

Joseph we just went to the Cancun Zilara in February. We loved it so much we repeated our trip from last year. If you are a Hyatt member they have a special check in around the corner from the front desk. I recommend the Zilara because its adults only. We toured the Ziva and its very nice but you can’t go wrong with the Zilara. Make sure you do the Tequila tasting that the sommelier puts on (Its free). All the restaurants are very good but be sure to try the Tapas restaurant. If you want to do Hibachi that is the only time you need a reservation.

Reply to  Joseph Hostetler
1 year ago

Joseph..stayed @ Zilara and Globalist get upgraded to the Sapphire tower which is very nice and you get a Butler. Due to the location on the point, the wind is brutal coming through the lobby out to the pool. It’s like a wind tunnel and if it’s not tied down, it’s blown away. If you like to be around hoards of Children, this is the place for you. The rooftop infinity pool is spectacular. Sapphire residents (only) have access to the rooftop pool area in the evening for entertainment. Lots of drinking & dancing. Haven’t gotten around to the Ziva yet. Was going in Nov. 2019 but decided instead on the Hyatt Grand Playa del Carmen. Booked @ 20K pts. prior to the devaluation where it is now 25K. Wouldn’t do Playa del Carmen @ 25K if you can do Zilara or Ziva for 25K.

1 year ago

Totally disagree w/ your assumption. I will use the Hilton Aruba vs Hyatt Aruba comparison again. Presidents Day week, 2020, Hilton charges 80K pts. per night. It doesn’t matter if the cash rate is $300 or $600 a night during high season, your paying 80K pts. per night. Hyatt charges 25K. It doesn’t matter if the cash rate is $300 or $1K, you pay 25K pts.. A Hilton Diamond will get an upgrade to a poor location and $12.50 credit for breakfast. A Hyatt Globalist will get breakfast in the lounge and also food & drink in the evening @ the lounge. Love the self-serve Heineken! You can also use a suite upgrade award which you get (4) per year as Globalist. Add the lounge & suite values and Hyatt comes out tops. Plus, Hilton is over 3X the pts.. If you have the Chase FU, your earning 1.5 pts. per $ which can transfer to Hyatt which essentially gives you $0.0255 per $ spend. The Hyatt is a much nicer hotel like most Hyatts, compared to Hilton. Hilton did have it’s advantages in the past but not anymore. There are exceptions, but aren’t there always.

Reply to  Joseph Hostetler
1 year ago

Looking for a further breakdown myself. Is it still worth collecting points on Hilton Aspire when you assume you can use the Chase QUADfecta instead to earn Hyatt Points? (CFU for 1.5x non-bonus, CF for 5x rotating, INK for 5x cable/phone, etc. and CSR for Travel/restaurant spend). I’m curious to see how the math shakes out in using this group of Chase cards for Hyatt points vs. using the single Aspire card for HH points. Further complicating this is if you use the Aspire card and hit the 60k spend, you’ll also get another top tier night that you can’t get for Hyatt by using the Chase cards.

This is what I am trying to decide between right now!

Reply to  Joe
1 year ago

I just booked Waldorf astoria maldives for 480k points for 5 nights. My dates were over 3000/night which made the value almost .04 a point. Hyatt maldives would have been .026/night. But here’s the clincher. I transferred amex points at 3 to 1 rate and I earn amex at 4x rate so really I earned 12 hilton points per dollar spent. At 4 cents each this is almost a 48% return on spending. So for higher end properties I favor hilton. However, I am writing this comment from my Hyatt room in San Francisco booked on rewards at .03 a point per night. The point is for me this is a fruitless argument. I love them both and they both have a place in my life. Happy travels!

Reply to  Richard
1 year ago

Isn’t amex to hhonors a 1:2 ratio? Was there a promo or something?

And are you working amex gold 4x grocery and dining?

Reply to  Richard
1 year ago

Yea that hotel is 120k points a night Hilton said they go up to 95k on redemptions but it’s really 120k points