Why I Have SO MANY Hotel Credit Cards

[@MattWelterOfficial]

What Hotel Credit Card do you currently have? 💳Best Hotel Cards: mattwelter.info/hotel-cards 🎥Watch this video next on the Hilton Trifecta: kzbin.info/www/bejne/l3WZhpSvqrGNd9E

[@Cody.Little]

Hotel cards are honestly my favorite. I feel like it’s the best way to get tangible benefits from a card and it’s just so satisfying having status and other benefits for free since the free night on each of the cards pays for themselves. Loved the video!

[@MattWelterOfficial]

Thanks so much Cody! Yeah the free nights are the first part of the value and then the elevated statuses and other benefits can get that outsized value! Appreciate you watching!

[@TheCreditFrog]

Hotel cards are my new favorite type of card to get for a lot of the reasons you mentioned. I just can’t get enough FNCs haha! Awesome to see you so diversified Matt! I’m wondering if you’ll ever consolidate into 1-2 brands after you get some regular travel under your belt?

[@MattWelterOfficial]

Wow thank you so much Stan! And yes I definitely do think I’m becoming more of a Marriott loyalist so it remains to be seen (and maybe it’ll happen when I get a high end premium card) if I’d consolidate my strategy more. Appreciate you as always!

[@AnthonyVenture]

I like how you articulated how diversification makes sense for how you like to travel! I love when you show those South American places. Good stuff Matt, I know it was your plan over a year ago to get a bunch of FNC cards so I’m glad you are finally seeing the fruits of your plan coming to play!

[@MattWelterOfficial]

Thanks so much Anthony! Yeah diversification in terms of Free Night Awards especially makes a lot of sense if you travel multiple times per year, but not as much sense if you don't, so whatever everyone's cup of tea is, but I know both myself and yourself love to travel haha. Thanks again!

[@PhilMo78]

I LOVE hotel cards too!!!! Only have 4 between us, but more coming soon! Thanks for the video Matt, I love seeing other peoples setups.

[@MattWelterOfficial]

Of course Phil! Gotta love the elevated statuses & free night awards!

[@newagain9964]

I prefer to have transferable points. And ones I can cash out.

[@MattWelterOfficial]

@@newagain9964 Totally fair!

[@SledgeIncTeam]

Ive used my Hotel cards More Than ever this year. Those FNC's come in handy. I work my whole setup around my hotel cards.

[@danielturner8798]

We’ve been collecting cards with FNCs - Hilton trifecta, WoH, IHG, with Marriott left to collect. At present, the strategy is to do quarterly vacations with redemptions with Hyatt one quarter, IHG another, and Hilton the other two (gotta use those bi-annual Hilton resort credits). The FNCs also came in handy on a cross-country train trip this month when we had a night between trains. Eventually, we’d love to take advantage of fourth or fifth night free, but my wife is a teacher, so we don’t get to take long trips often.

[@MattWelterOfficial]

That’s awesome that you are able to travel so much Daniel! Being able to capitalize on the Hilton semiannual credits and the other Free Nights in your setup is awesome. Yeah totally understand that sometimes the 4-5 night free benefit isn’t always attainable but still nice to have when it can work. Appreciate you watching!

[@SledgeIncTeam]

We're in the same boat and I'm stacked up with FNC's from Hilton, Marriott and IHG and having Status at those Hotels make the stays even better.

[@MattWelterOfficial]

Completely agree Sledge! Those Free Night Awards are awesome to have and then the elevated statuses make them even better when you actually go on those staye!

[@BucksBites]

Appreciate the honesty and transparency, Matt! Good breakdown of the positives and negatives

[@MattWelterOfficial]

Of course! Appreciate you watching Buck!

[@ryanebel]

Great video! My current strategy is focusing only on Hyatt as i only use hotels 3-5 times a year! with the personal WoH card and soon to get the business for the bonus and possibly keeping it for business spending to get more of the best hotel status. Hoping they launch another card soon.

[@MattWelterOfficial]

Totally makes sense to focus on one major hotel brand if you really care about elevated status and are loyal to one brand. Hoping to see a more premium Hyatt Card launched soon! Thanks for watching Ryan!

[@TheJohnnyCrown]

Can you share where and how you buy Hilton gift card to trigger de credits? Thanks

[@MattWelterOfficial]

Yes you basically look up Hilton Gift Cards online, select the specific Gift Card style and the amount and then you use the Surpass Card to actually trigger the Credit. Thanks for watching!

[@runforrestrun2428]

@@MattWelterOfficialgetting the surpass card next month and this tip will definitely come in handy 🫡

[@Fish4Points]

very informative, definitely looking into business hotel cards in my future as I am trying to focus on my 5/24 status and getting the other chase cards first since i started with the CSP as my first chase card and already have the amex plat so unless i can get around amex popup jail the gold card is on hold for a long time lol

[@MattWelterOfficial]

Haha that totally makes sense! There’s definitely a lot of great opportunities for Business Hotel Cards out there like the 5 free night offer on the Bonvoy Biz to name one. Appreciate you watching Zack!

[@johnmckinstry6057]

So far, you have a pretty good hotel card setup, Matt! The cards that have the annual free night certificate are definitely keeper cards. I can understand the downsides to having cards from multiple chains, but they definitely have their benefits too. Your future cards are all good cards. The first hotel card I got was the IHG Premier card, which I have had for just over 2 years and I like the free night certificate that comes with it. My second hotel card is the no annual fee Hilton Honors card. I've had it for just over a year and I will sometimes use it as a catch-all card so I can build up my Hilton points. I also now have the Chase Sapphire Preferred card which I may use to transfer some of my Chase points to Hyatt. Next month, I plan to apply for the Hilton Surpass card. The only thing I wish the Surpass card had is an annual free night certificate and maybe cap it at like 50,000 points. I do like that the annual fee on it can now be offset by Hilton stays or Hilton gift card purchases. Beyond that, I'd like to get the Hilton Aspire and probably all six of the Marriott cards, (the Bold, Bevy, and Bountiful cards mainly for the welcome offers). I've even thought about getting the Choice Privileges Select card because I do sometimes stay at Choice hotels properties.

[@MattWelterOfficial]

Love that John! The Hilton Surpass Card and its current elevated welcome offer is really strong with the Points + automatic FNA, so I'd definitely recommend applying before 7/17 to capitalize on that. I really like Marriott Points as well and the diversity of hotel options that you have with them. So I am definitely considering a similar approach. Thanks so much for watching as always John!

[@MattWelterOfficial]

Sorry Hilton Surpass offer is till end of July!

[@MontyTheCardNerd]

Awesome stuff Matt, you already have a powerful hotel setup that'll only expand in the future, which's really exciting. Personally I love the mid-tier cards that come with free nights the most, as they're essentially low-cost keepers for me.

[@MattWelterOfficial]

Thank you Monty! Yeah absolutely, you gotta love those low-cost hotel keeper cards where you just need to utilize the Free Night Awards.

[@dariusjamal]

That's a nice setup you got! Like you, my approach is to be diverse since my teaveling style is likely close to yours. Since I tend to jump around to different places the hotel options change quite a bit as well. I think having those cards with FNCs are great for the long term.

[@MattWelterOfficial]

Completely agree! Thanks so much for watching Darius!

[@johnjoseph3935]

is there any cards where I can see the Availibility of the upgrades before reaching the hotel. As a Marriott amex card, the hotels never give any upgrades.

[@MattWelterOfficial]

Thanks for watching John & good question! Sometimes with my Hilton upgrades I’ve been able to see the upgrade show up in the app pre arrival. However, unfortunately it’s typically common to not know about an upgrade until you actually arrive at the hotel the day off.

[@druiz012]

Love this video. Lots of usable info!

[@MattWelterOfficial]

Thanks so much David!

[@ds5651]

Same here 2 Marriot, 1 Hyatt and 1 IHG

[@MattWelterOfficial]

Love it!

[@comment5884]

Do you have any videos you did in medellin Columbia?

[@MattWelterOfficial]

I didn’t film a specific KZbin videos but I have some clips from my trip I like to include in videos :)

[@FreedomFinanceFun]

I just get the best Signup bonus at the time, often times that includes FNC.

[@vickiarnold7300]

I have choice privilege and ihg credit cards, no annual fee. Great job on KZbin ❤

[@MattWelterOfficial]

Thank you Vicki!

[@jonathanbonilla6122]

Love your videos! Could you make a video of the best point redemptions on how to get to South America maybe Colombia 😅

[@MattWelterOfficial]

Thanks so much Jonathan! Yes absolutely- I'll add this to my content list!

[@professorx8258]

Nice lineup of hotel credit cards, Mr. Matt. I would like to have a hotel credit card lineup, but sadly, as a single guy working a paycheck to paycheck job at a 556 credit score, these cards are, unfortunately, off-limits to me. I would sure like to add a few of these, including the Truist Enjoy Beyond, the Venture X on a budget.

[@MattWelterOfficial]

Totally understand that. Appreciate you watching still!

[@antwanthorogood4921]

There’s a few videos out there that gives tips and ideas on how to improve your credit score and other videos to increase your income. You got this champ!

[@barryharfenes7821]

It would be nice to hear a more variety of benefits. The trip to Panama is too over used in my opinion.

[@MattWelterOfficial]

Hey Barry- sounds good, I understand that. I'll definitely note this. Just as a quick note, I do work a full-time 9-5 job as well where I can typically only rack up enough PTO for one big trip per year, so that's why this past year's videos have been revolving around that Panama/Colombia redemption.

[@paulfelkner6749]

Marriott Titanium and IHG Diamond with personal Marriott and IHG and Marriott business cards - expect to get the IHG business card. Have the no fee Hilton AMEX card - was Diamond, now back to silver - rarely use Hilton Don't use Hyatt. Next hotel credit card: Wyndham Business Choice personal or business move up to Ritz C.

[@MattWelterOfficial]

Love it Paul!! You definitely have top-tier statuses with brands you care about the most which is all you can ask for.

[@robert8311]

Debating between Hyatt and IHG sense they give a free night it’s simple to use

[@MattWelterOfficial]

Great plan Robert! Both Cards are great and the upside with going for IHG first would be the better elevated status and the 4th night free benefit when you book with points. Appreciate you watching!

[@newagain9964]

@@MattWelterOfficialand that’s 1 of several reasons y Hilton has best program.Don’t need cc like IHG or follow crazy/restrictive rules (Marriott) to book free night w/pts

[@newagain9964]

@@MattWelterOfficial that’s 1 of several reasons y Hilton has best program.Don’t need cc like IHG or follow bizarre/restrictive rules (Marriott) to book free night w/pts

[@newagain9964]

@@MattWelterOfficial that’s 1 of several reasons y Hilton has best program. Don’t need cc (IHG) or follow bizarre/restrictive rules (Marriott) to book free night w/pts

[@newagain9964]

that’s 1 of several reasons y Hilton has best program. Don’t need cc or follow bizarre/restrictive rules (Marriott) to book free night w/pts

[@sdvanni94]

Curious if you know typically how long you have to hold the Hilton Honors before you’re given an upgrade offer to the Hilton Surpass? Same for Hilton Surpass to Hilton Aspire? Thanks!

[@MattWelterOfficial]

Yeah it's typically the same for anyway you upgrade upstream and you typically have to hold the Card for one year before an Upgrade Offer is given to you. Thanks for watching!

[@kevintyson2937]

Im just always confused on how yall people are able to rack up so many points fast to get these free hotels and flights. Yes I put all my monthly expenses on credit cards including rent (luckily my apartment accepts all credit cards with no fee) and even with rent and groceries on 2X-3X multipliers, I still barely hit 20k miles/points by the end of the year. What are yall spending on???

[@MattWelterOfficial]

I prioritize welcome bonuses! I'm almost always spending towards a spend requirement to hit a welcome bonus which typically gives me anywhere from 60k-100k points in one splash vs much smaller earnings from spending within my setup. Thanks for watching Kevin!

[@SOXGATORS]

👍🏻

[@MattWelterOfficial]

🥇

[@divyv20]

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