Many factors must be considered to get at least 10% back on hotel and auto rental reservations using two credit cards

  • Hotels and car rentals may be booked with the Chase Sapphire Reserve® and Capital One Venture X Rewards Credit Card.
  • They offer 10x bonuses on some transactions if you book via their travel websites.
  • Gateway bookings do not earn you hotel points or other benefits.

Frequent flyers may consider using a credit card that gives a 10% refund on hotel and vehicle rental expenses. It is possible to get a 15% or more return on your rewards, depending on how you redeem them.

els and car rentals may be booked with the Chase Sapphire Reserve® and Capital One Venture X Rewards Credit Card.

They offer 10x bonuses on some transactions if you book via their travel websites.

Gateway bookings do not earn you hotel points or other benefits.

Frequent flyers may consider using a credit card that gives a 10% refund on hotel and vehicle rental expenses. It is possible to get a 15% or more return on your rewards, depending on how you redeem them.

Travel bookings made via the Chase Ultimate Rewards travel portal may earn the Chase Sapphire Reserve® ten times the points on select purchases. The new Venture X Rewards Credit Card from Capital One may reward you 10x the miles when you book your trip via the Capital One travel portal.

Travel prices may be reduced by using the points you accrue from any of these programs to book extra hotel rooms or even additional flights, which can help you save money. However, there are a few negatives to using these portals to plan your holiday, so it’s not for everyone.

Large rewards may be accrued using the Chase Sapphire Reserve® and Capital One Venture X Points Credit Card.

All of the credit card bonuses and incentives are covered in this section. These cards aren’t worth it if you’re paying interest or late fees. The best way to use a credit card is to pay it off in full each month by making all of your payments on time and only purchasing things you can afford to pay for.

Can you declare bankruptcy only on credit cards?

Although credit debit card bills are the primary reason many people file for bankruptcy, you can’t declare bankruptcy based on credit card debt on your own since the law requires all of your debts to be included in bankruptcy papers. But, since bankruptcy is able to remove credit cards and unsecured debts, filing for bankruptcy will usually place you in an economic position to maintain your home.

The maintenance of a home is a major issue for many people who file the bankruptcy process in Ohio There are a variety of ways bankruptcy could let you maintain your home while releasing unsecured debts, such as credit cards. You can keep your home if you have the ability to satisfy the specifications of the chapter you choose to use regardless of whether it is Chapter 7 or Chapter 13.

The laws surrounding bankruptcy are complex which is why the Ohio bankruptcy lawyer will assist you in choosing the right chapter, and improve the likelihood of being able keep your car, home as well as other possessions. The experienced and compassionate Ohio debt relief lawyers at this Louisiana BankruptcyHQ are aware that even the best-intentioned individuals can be in financial trouble.

Contact us for more information about the options available to file bankruptcy for credit cards and still be able to keep your home. We provide a no-cost consultation to assess your personal financial situation, by analyzing your income, debts as well as your financial goals before creating a debt-relief strategy that is best for you.

You may earn up to ten times as many Ultimate Rewards points with the Sapphire Reserve for every dollar you spend.

This year’s Chase Sapphire Reserve card includes introduced bonus categories and perks. One of the new earning options is ten points per dollar spent on hotels and car rentals booked via Chase Ultimate Rewards.

You can book flights, hotels, rental cars, excursions, and cruises via Chase Travel using your credit card or Ultimate Rewards points.

Members may earn 5x points on flights and 10x points on hotel and car rental arrangements booked via the website. As a result, unless you use up the whole $300 yearly travel credit that comes with the Sapphire Reserve, you won’t earn any points for the first $300 in travel expenses you incur each anniversary year.

If you spent $200 in hotel charges with your Chase Sapphire Reserve® card, you would get 2,000 Ultimate Rewards points. That is to say:

  • Cash or gift cards worth up to $20 are available (1 cent per point)
  • Flying for $30 with Chase is a decent option (1.5 cents per point)
  • For the deletion of qualified purchases, Pay Yourself Back will provide you with $30. (1.5 cents per point)
  • You might save even more money if you use Chase’s airline and hotel partners to transfer your points and book award travel.

The easiest way to redeem points for cashback is to use the 1 cent per point return rate. Ten percent of the cost of your hotel stay is refunded to you. To make things even better, you may transfer your points to other airlines, hotels, or rewards programs like United Airlines MileagePlus, Hyatt, or Air Canada Aeroplan at 1.5 cents per point (1.5 cents per point).

In addition, you’ll gain 10x Capital One miles when you use Venture X!

If you’re looking for an excellent rewards card at an affordable annual fee, the new Capital One Venture X Rewards Credit Card may be the right choice.

If you book via the Capital One travel website, you may earn 10 points per dollar on hotels and rental cars and 5x miles on flights, similar to the Chase Sapphire Reserve®.

When you pay for a $200 hotel stay with your Capital One Venture X Rewards Credit Card, you’ll earn 2,000 Capital One miles (200 x 10). That is to say:

  • Get a $10 cash refund (0.5 cents per mile)
  • I saved $20 on a flight because of the Capital One gateway (1 cent per mile)
  • If you’ve made an eligible travel purchase, you may have it deducted from your account using Capital One’s purchase eraser (1 cent per mile).
  • You may be able to get more value out of your points if you transfer them to Capital One’s airline and hotel partners.

Avoid using Capital One’s cash-back redemption options since the value of your Chase Ultimate Rewards points is halved (0.5 cents per mile). One-cent per mile is the rate at which Capital One miles may be redeemed on the site or “erased” from eligible travel purchases made within the past 90 days.

Transferring your Capital One points to Air Canada, British Airways, or Wyndham is another possibility.

Travel portals have both positive and negative aspects.

Ten percent or more back on hotel and vehicle rental costs is a great offer, but it’s not optimal for everyone to build up 10 percent or more points. It’s essential to be aware of the hazards of making a reservation via one of these sites (or any other third-party travel site).

Before booking a room, compare the hotel’s rates and cancellation policies to those offered by travel websites.

In most cases, reserving a hotel via a third party is the same as booking directly with the hotel chain. Shop around if you want to get the best deal possible.

The Hyatt Place, New York City/Time Square, was booked for the night of June 1, 2022, utilizing the Chase Ultimate Rewards travel program. All fees and taxes are included in the product’s final cost, which is $415.

Capital One travel has the exact dates and hotel. Taxes and fees add up to $385.

And here’s what it would cost to book the same hotel and day on “member rate” straight via Hyatt for $341 upfront and $395 in total after-tax:

We’ll go with Capital One as the lowest, followed by Hyatt directly, and Chase as the second and third most expensive option.

If you think you may need to cancel or rearrange your plans, keep in mind that different companies have different cancellation policies, so be careful to compare apples to apples when making your comparisons.

You do not get any hotel rewards points when you book a hotel using a portal.

Using the travel portals provided by Chase and Capital One does not often result in hotel points or stay credits being accrued. If you’re not committed to a specific brand and are just interested in the lowest rate, this may not be an issue when booking an independent or boutique hotel.

In contrast, if you value hotel points or are aiming to become an elite member of a particular chain, you may want to book directly with the hotel rather than via a portal.

For those with elite status with a particular hotel chain, it’s worth considering the value of the reward points you’ll get when booking via a portal rather than directly.

Depending on the mode of booking, you’d get the following rewards:

  • Chase Travel Portal (10x points x $415 cash price): 4,150 Ultimate Rewards points (booked with Chase Sapphire Reserve®)
  • Using the Capital One Travel Portal (secured with the Capital One Venture X Rewards Credit Card), you may earn 3,850 Capital One miles for every dollar you spend.
  • As a non-elite Hyatt member, you may earn 1,705 points by paying $341 for a Hyatt hotel room (before taxes) (depending on the rewards credit card you use)

Depending on how you value the rewards, you’ll want to conduct your calculations for each situation and consider the options to transfer points from Chase and Capital One to other airline and hotel partners. In this example, you may transfer your Chase Ultimate Rewards points to Hyatt (a Chase partner) at a 1:1 ratio after earning them via a web booking.

To maximize your hotel loyalty program points and credit card benefits, make your reservation directly via the hotel rather than through a third-party site like Expedia or Priceline. You may earn 3x points on non-portal travel reservations with the Chase Sapphire Reserve® and 2x miles on non-portal expenditures with the Capital One Venture X Rewards Credit Card.

As a result, you may lose out on special offers and promotions.

When you book directly with a hotel or car rental company, you may be eligible for specials that give you points or discounted pricing. According to promotional codes and discounts you’re qualified for, rental vehicle businesses have wildly different prices.

You may miss out on these specials if you book via a travel agency.

The platform does not include every hotel or vehicle rental choice.

You may not discover the precise hotel or vehicle rental agency you’re searching for when you browse the Chase and Capital One travel websites, which provide a wide range of booking choices with most major hotel chains and rental firms.

How to get the most out of your credit card rewards miles and points when booking a Maldives trip

If you’re looking in a far-flung location, this is apparent. Using the Capital One web, one can find just a few resorts in the Maldives, none of which are part of major hotel chains like Hilton or Marriott, which are well-known for their abundant Maldivian properties.


With the Chase Sapphire Reserve® or Capital One Venture X Points Credit Card, you may earn 10x rewards on travel portal hotel and car rental reservations, giving you at least 10% back on your purchases.

However, using a booking platform isn’t always the most excellent option. When you book this method, you won’t get any hotel points or stay credits, and the prices may be different than when you book directly. Alternatively, your special status may go unnoticed.

Find out how to get the best discounts and save money on trip reservations by checking out these seven travel tips.

In addition to missing out on the unique hotel and vehicle rental deals, booking via a third-party portal like a bank site may limit your choices in terms of diversity and value, depending on your location.

Before making a reservation, do your research and ensure it’s a good fit for your needs.

Joshua B. Speller