The Marriott Bonvoy Boundless credit card is one of the co-branded rewards card for Marriott hotels (including the 7,000 hotels participating in Marriott Bonvoy® resulting from the merger of Starwood Preferred Guest and Marriott). Here are the highlights:

• Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases within the first 3 months from account opening. That’s a total potential value of 250,000 points. Certain hotels have resort fees.
• Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
• 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
• 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
• Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy(R) with the Marriott Bonvoy Boundless(R) Card.
• 2X points for every $1 spent on all other purchases.
• Automatic Silver Elite Status each account anniversary year. Gold Status when you spend $35,000 on purchases each account year.
• 15 Elite Night Credits each calendar year.
• No Foreign Transaction Fees.
• $95 annual fee.

Keep in mind the following:

This credit card is not available to you if (1) you currently have any of the following cards or (2) you received a new cardmember bonus for any of the following cards within the last 24 months: Marriott Bonvoy® Premier credit card, Marriott Rewards® Premier credit card, Marriott Bonvoy Boundless® credit card, Marriott Rewards® Premier Plus credit card, Marriott Bonvoy Bold® credit card.

The Marriott Bonvoy program no longer has a fixed hotel category chart for booking points. You can still use these points at either Marriott properties (Ritz-Carlton, Renaissance Hotels, Courtyard, Residence Inn, Springhill Suites, Fairfield Inn & Suites) or former Starwood Properties (Westin, Sheraton, The Luxury Collection, Four Points by Sheraton, W Hotels, St. Regis, Le Méridien, Aloft), but now it is “dynamic” awards where the points required are more linked to the actual cash cost than before.

For reference, 50,000 Bonvoy points used to get you a peak award at Courtyard Waikiki Beach in Hawaii, a standard or off-peak award at the Sheraton Kauai Resort or Residence Inn Maui Wailea, or an off-peak award night at the Westin Moana Surfrider in Waikiki, Honolulu or the Westin Princeville Ocean Resort Villas.

What is a reasonable estimate for the value of a Marriott Bonvoy point? Based on multiple real-world searches of redeemable properties, I choose to use a conservative estimate of 0.70 cents per Bonvoy point. That means 50,000 Bonvoy points = estimated $350 redeemable value, and 100,000 Bonvoy points = estimated $700 redeemable hotel night value. However, I almost always get closer to 1 cent per point value when I actually choose to redeem. Remember to compare the full price of the hotel price with all taxes, as that is what you would have to pay instead of just points.

You can use the Marriott free night search tool to price out some sample hotels for yourself. Also, here are details on the Free Night Award Top Off option.

Bonvoy Points can also be transferred to airline miles with a bonus. 60,000 Marriott points = 25,000 airline miles. Similar to the old Starwood bonus structure, they will add 15,000 points for every 60,000 points you transfer to airline miles. More information here.

Finally, Marriott points are also convertible to gift cards, but it takes 60,000 points to redeem for a $200 gift card for Marriott or retailers like Best Buy, Home Depot, or Nordstrom. That ratio isn’t all that great so you’ll definitely get the most value via hotel night redemptions or airline miles transfer.

Free Night Award with Card Renewal. At your card anniversary (when you pay the annual fee), you will receive a Free Night Award that is good for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. This excludes the very top properties, but for regular travelers it will be very easy to get your $95 value. Here are some sample hotels that I have tried to book in the past that came in at or under 35,000 points for selected dates:

• Sheraton Kona Resort (Big Island, Hawaii)
• Westin Hapuna Beach Resort (Big Island, Hawaii)
• Courtyard Waikiki Beach (Honolulu, Oahu)
• Sheraton Kauai Resort (Kauai, Hawaii)
• W Atlanta
• New York Marriott at the Brooklyn Bridge
• Chicago Marriott Downtown Magnificent Mile
• W Chicago
• The Ritz-Carlton, Beijing, China
• The S. Regis Bangkok, Thailand

Find a hotel that costs 40,000 points a night or 50,000 points? For example, I recently booked the Westin Maui at 60k points a night. You can just pay the difference in points, as long as the difference is within 15,000 points. Here are details on the Free Night Award Top Off option.

You can add up to 15,000 Marriott Bonvoy® points to any Free Night Award that you have earned. So if it’s a 50k Free Night Award, you can add up to 15k to redeem at hotel that has Standard Room at a cost of 65,000 points per night.

No annual fee alternative. The Marriott Bonvoy Bold card is also offers bonus points and some (lesser) perks, but with no annual fee.

Bottom line. The Marriott Bonvoy Boundless credit card (formerly the Marriott Rewards Premier Plus Credit Card) is currently offering a special offer for new cardholders. As with all hotel cards, the value is dependent on your unique travel preferences. If you stay at Marriott/Starwood properties regularly, the free night award every year should easily cover the annual fee.

Also see: Top 10 Best Credit Card Bonus Offers.

The information for theMarriott Bonvoy Boundless Card has been collected independently by My Money Blog. The card details on this page have not been reviewed or provided by the card issuer.

The IHG One Rewards Premier Credit Card is the premium IHG hotel co-branded card that includes special IHG perks like a free night award every year you keep the card, Elite status, and every 4th award night free. Here are the highlights:

• 140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
• Free Award Night after each account anniversary year at eligible IHG hotels worldwide. Valid at IHG Hotels with a current point redemption cap of 40,000 points. NEW: You can now also pay the difference over 40,000 points to redeem your Anniversary Night at hotels above the 40,000 point redemption level.
• 4th Award Night Free. Enjoy a free reward night when you redeem points for a consecutive four-night IHG(R) hotel stay. That means if you use points to pay for 3 nights in a row, the 4th night is free. You can even book 8 award nights total and get two of them free, and so on. Works on any award level.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts.
• Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.
• Automatic Platinum Elite status included as a Premier card member. IHG points also don’t expire when you are an Elite member.
• Global Entry, TSA PreCheck® or NEXUS statement credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card.
• No foreign transaction fees.
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®.
• $99 annual fee.

Please note the following:

This product is available to you if you do not have a current IHG One Rewards Credit Card and have not received a new Cardmember bonus within the last 24 months. This does not apply to Business Card Credit Card products.

What can you get with IHG points? The best redemption value for IHG points is for free hotel nights. The other options offer significantly less value. While the points don’t translate directly to a dollar value, but overall a conservation valuation is 0.50 cents of value per point, which would make 140,000 IHG points worth an estimated $700 value. You can perform the calculations for hotels that fit your needs. I tried a bunch of other various combinations and got between 0.5 cents and 0.8 cents per point equivalent value.

(IHG points are worth less than other points like Hyatt or Chase Ultimate Rewards points, but you get a lot more of them with this bonus!)

IHG stands for Intercontinental Hotel Group which has over 5,000 hotels including the following brands:

• Intercontinental Hotels & Resorts
• Crowne Plaza
• Kimpton
• Holiday Inn, Holiday Inn Express
• Staybridge Suites
• Candlewood Suites
• Hotel Indigo
• EVEN Hotels

Fourth Reward Night Free

The 4th Reward night free perk can be very valuable and nice to see on a card with no annual fee. You get the fourth reward night free when you redeem points for a consecutive four-night IHG hotel stay (only pay for 3 nights with points). It showed up automatically for me when booking with points online.

For each standard room Reward Night stay of 4 or more nights, every 4th night is free. Applies only to 4 or more consecutive nights within the same Reward Night point redemption room stay at the same property. With this benefit, eligible members will be charged the Reward Night point redemption rate for the first 3 nights, and 0 points for the 4th night of the stay, as applicable. Members can utilize the 4th Reward Night Free benefit on an unlimited number of stays annually.

IHG points expire after 24 months of inactivity, so if you keep up your activity then you can save up these free nights for later. Chase Ultimate Rewards points also convert to IHG points.

Total of 26X points per $1 spent when you stay at IHG. Here’s how this breaks down: Earn 10X points from IHG® for being an IHG One Rewards Member + 10X points with this card + 6X points from IHG® with Platinum Elite Status with Platinum Elite Status (a benefit of this card) = total of 26X points total at 5,400+ IHG® hotels & resorts.

The rewards on other purchases has improved to the following:

• 5X IHG points per $1 spent at gas stations, dining, and travel (including hotels).
• 3X IHG point per $1 spent on all other card purchases

I would keep this card if you can use the anniversary night certificate with the 40,000 point maximum value. You should be able to get $99 value out of it as long as you need a hotel night. Stay must be completed within 12 months from date of issue.

Don’t want a card with an annual fee? The no-annual fee Traveler version has a very competitive bonus right now.

Bottom line. The IHG One Rewards Premier Credit Card includes a sign-up bonus and special IHG perks like a free night award every year you keep the card, Elite status, and every 4th award night free. As with most of these co-branded cards, the best value is obtained if you can redeem for IHG hotel nights.

I will be adding this to the Top 10 Best Credit Card Bonus Offers.

The information for the IHG One Rewards Premier Credit Card has been collected independently by My Money Blog. The card details on this page have not been reviewed or provided by the card issuer.

New limited-time offer. The Bank of America Unlimited Cash Rewards Card is the most simple, straightforward, no-annual-fee credit card in the Bank of America line-up. If you are a Preferred Rewards client, you can increase the cash back earned by 25% to 75%. Right, they are also offering a special offer during the first year. Here are the highlights:

• New customers: $200 cash rewards bonus after $1,000 in purchases in the first 90 days.
• 2% cash back on purchases for the first year from account opening. After that, the standard structure is unlimited 1.5% cash back on all purchases. Redeem as a statement credit, deposit to BofA bank account, or deposit to Merrill brokerage account (including 529).
• Bank of America Preferred Rewards® members earn 25%-75% more cash back on every purchase. However, Preferred Rewards bonuses are not applied to the 0.5% first-year bonus. Details below.
• 0% Introductory APR offer. See link for details.
• 3% foreign transaction fee.
• No annual fee.

During the current limited-time offer, the cash back rewards are boosted to 2% for the first year. The 75% Preferred Rewards bonus for Platinum members does not apply to the extra 0.5%, so the net cash back during the first year for Platinum members would be 1.5% * 1.75 + 0.5% = 3.125% cash back on everything during the first year. I wonder if this is in response the recent US Bank Smartly card changes… now that new applicants can’t get a similar deal at 4% cash back, this might be the best deal in town again.

Preferred Rewards bonus basics. The Preferred Rewards program is designed to rewards clients with multiple account and higher assets located at Bank of America banking, Merrill Edge online brokerage, and Merrill Lynch investment accounts. Here is a partial table taken from their comparison chart (click to enlarge):

Let’s consider the options. Bank of America’s interest rates on cash accounts tend to be lower than highest-available outside banks (read: nearly zero), so moving cash over to qualify may result in earning less interest on your cash deposits. Merrill Lynch advisory accounts also usually come with management fees. The sweet spot is therefore the Merrill Edge self-directed brokerage, where you can move over your existing brokerage assets like stocks, mutual funds, and ETFs held elsewhere (Vanguard, Fidelity, Schwab, etc).

In the past, moving over to Merrill Edge at the Platinum and Platinum Plus levels also led to 30 to 100 free online stock trades every month. Fast forward to now, and nearly all major online brokers offer commission-free trades anyway.

Personally, I moved over $100k of brokerage assets from Vanguard to Merrill Edge to qualify for Platinum Honors. You should ask Merrill Edge if they will cover any ACAT transfer fees involved. I realize not everyone will have this level of assets to move around, but if you do then it is worth considering. Keep in mind that it will take a while for your “3-month average combined balance” to reach the $100k level and officially qualify for Platinum Honors. (In certain cases, when you open a new Merrill Edge account and new BofA Checking with a asset transfer bonus offer, you may be eligible to “fast track” to a higher tier.) You might become Gold first, then Platinum, and so on. After that, the 25%-75% rewards bonus on credit card rewards kick in. Once you reach a certain tier, BofA guarantees that you will stay there for a year no matter what, even if your balance fluctuates.

Boosted cash back percentages with Preferred Rewards. The standard structure is a flat 1.5% cash back on all purchases. Here’s how the numbers work out after you reach each tier:

• Platinum Honors: 2.625% cash back on all purchases (75% bonus).
• Platinum: 2.25% cash back on all purchases (50% bonus).
• Gold: 1.875% cash back on all purchases (25% bonus).

I consider the bar set at 2% cash back to be considered a “great” rewards card. The Platinum and Platinum Honors levels allow you to surpass that bar. Again, not everyone will have this level of assets to move around, and so this offer is not available to everyone. BofA is willing to pay such high cash back on the credit card because they hope to make it back through their other products (banking, brokerage, loans).

Their plan worked on me because Bank of America has managed to convince me to go from only having a checking account with them to now also having a Merrill Edge brokerage account and a Bank of America credit card.

Comparison against other BofA credit cards. Not all Bank of America consumer credit cards qualify for Preferred Rewards. Other cards of interest that do qualify are:

• Bank of America Travel Rewards Card
• Bank of America Premium Rewards Card
• Bank of America Customized Cash Rewards Card

Honestly, these are all solid cards if you qualify for Preferred Rewards. I can see any one of them being a good choice for those that want relatively simple rewards after setting up a “relationship” with BofA.

My slight personal favorite is the Travel Rewards credit card. The rewards structure on the Travel Rewards is similar to the Unlimited Cash Rewards card including the 1.5% back (up to 2.62% with Preferred Rewards) earning rate and no annual fee, except that the rewards can only be used to offset past travel and dining purchases made on the card in the past 12 months. I have redeemed thousands of dollars in statement credits and never run out of travel/dining purchases to offset. Their redemption process is quick and easy. One difference is that the Travel Rewards has no foreign transaction fee, while this Unlimited Cash Rewards card has a 3% foreign transaction fee. Together, this makes the Travel Rewards card a great “catch-all” card that I always have in my wallet. You may prefer the Unlimited Cash Rewards card if you have very little travel/dining charges.

The Premium Rewards card may be better if you can reliably utilize the $100 annual Airline Incidentals credit (seat upgrades, baggage fees, lounge fees) to offset the $95 annual fee, as then the increased cash back on travel/dining is all net profit. The Customized Cash Rewards cards with its 3/2/1 structure is also tempting as a companion to the Travel/Unlimited Cash, but you may prefer other rewards card for specific categories.

Bottom line. The Bank of America Unlimited Cash Rewards Credit Card is an “okay” cash back rewards card with a 1.5% cash back on everything structure, but turns into an “excellent” 2.62% cash back rewards card if you can take full advantage of their Preferred Rewards program. If you transfer $100,000 of existing brokerage assets (could be ETFs or mutual funds) over to Merrill Edge, you can qualify for the highest Platinum Honors tier. This won’t be a good option for everyone, but something to be aware of if you can swing it.

During the current limited-time offer, the cash back rewards are boosted to 2% for the first year. The 75% Preferred Rewards bonus for Platinum members does not apply to the extra 0.5%, so the net cash back during the first year for Platinum members would be 1.5% * 1.75 + 0.5% = 3.12% cash back on everything during the first year.

Negative changes to lounge access starting February 2026. The card_name is the newest entry into the ultra-premium business card category, with features similar to the Capital One Venture X Rewards credit card for consumers (you can have both at the same time). It has a large new-cardholder bonus, loads of perks, and a hefty annual fee. Right now, there is a limited-time offer targeting those with large annual expenses. Let’s take a look at what it offers:

• 150,000 Bonus Miles once you spend $30,000 in the first 3 months from account opening 150,000 Miles can be redeemed for $1,500 towards travel! (including airfare and hotel stays).
• Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs.
• $300 Annual Travel Credit. Get up to $300 in annual statement credits when booking through Capital One’s travel booking site. Book your choice of flights, hotel nights, or car rentals. You can redeem these in partial amounts over the course of the year.
• 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
• Up to a $120 credit for Global Entry or TSA PreCheck(R).
• Airport lounge access. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass(TM) lounges, after enrollment.
• $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection.
• This card has no preset spending limit, so you get purchasing power that adapts to your spending needs.
• Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease.
• This is a pay-in-full card, so your balance is due in full every month.
• Annual fee is $395. Free employee cards.

Here is the rewards structure on purchases:

• 10 Miles per dollar spent on hotels and rental cars booked through Capital One’s travel booking site, where you’ll get Capital One’s best prices on thousands of trip options. They offer a Price Match Guarantee.
• 5 Miles per dollar on flights and vacation rentals booked through Capital One’s travel booking site.
• 2 Miles per dollar on every purchase, every day.
• Redeem miles for any airline, any hotel, rental cars, and more.
• Transfer your miles to your choice of 15+ travel loyalty programs.

Redemption towards travel, including airline and hotel purchases. Capital One “miles” can be redeemed directly for a cash statement credit on a 1 mile = $0.01 basis when offsetting any travel purchase made on the card within the past 90 days. In other words, 100,000 miles = $1,000 toward travel. That means you can fly on any airline or stay at any hotel, pay with this card, and then “erase” that purchase using your miles balance later. This even includes AirBNB vacation rentals, car rentals, and Uber rides.

This means that earning 2 miles on on every $1 in purchases essentially makes this a 2% back card when applied towards travel. Earn even higher rewards of 5 miles per $1 spent on on flights booked through Capital One’s travel booking site, and 10 miles per $1 spent on on hotels and rental cars booked through Capital One’s travel booking site.

Capital One’s travel booking site offers price matching: if you find a better price on another website within 24 hours of booking, they will refund you the difference.

Miles transfer options. Capital One now allows you to transfer your “miles” into select airline miles programs as well. Here are the airline transfer partners:

• Aeromexico
• Air France/KLM
• Air Canada Aeroplan
• Cathay Pacific Asia Miles
• Avianca Lifemiles
• British Airways Avios
• Emirates Skywards
• Etihad
• EVA
• Finnair
• Qantas
• Singapore Airlines Krisflyer
• TAP Air Portugal
• Turkish Airlines
• Virgin Red

Hotel partners

• Accor Live Limitless
• Choice Hotels

If you know how to leverage one of these international airline miles programs, this can be a very valuable option. Otherwise, it’s nice to know you can always get a certain level of value by redeeming against any travel purchase.

Airport lounge access details. Capital One is creating their own lounges within select airports (currently in Washington DC’s Dulles Airport and Dallas/Forth Worth). Venture X Business cardholders get unlimited access and can bring 2 free guests per visit. Employee cards do not get lounge access benefits.

You also get Priority Pass membership, which includes access to 1,300+ participating VIP lounges and even included credits to spend at some restaurants, in more than 600 cities and more than 148 countries.

(UPDATE: Starting February 1, 2026, authorized users will no longer receive complimentary access and will need to pay $125 per year for each additional cardholder to retain lounge access. Primary cardholders still receive two complimentary guests to Priority Pass lounges, and additional cardholders who get lounge access get two complimentary guests (after, $35 per guest). Guest access for Capital One lounges and Landings will cost $25 to $45.)

Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, eBay/Amazon/Etsy sellers, Uber/Lyft drivers, or other one-person business owners. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

This card should not show up on your personal credit reports, so your outstanding balance, credit limit, and closure states won’t affect your credit score. You’ll still see a credit check on your personal credit report from the initial application.

Bottom line. The card_name is an ultra-premium business rewards card that earns a minimum of 2 Miles per dollar on all purchases, which you can either redeem against any travel purchase or transfer to one of their airline/hotel partners. There is a generous new-customer offer. If you can take advantage of the $300 annual travel credit, TSA PreCheck(R)/Global Entry fee credit, and add the 10,000 miles on every anniversary, then you’ve effectively offset the $395 annual fee in all future years. To top it all off, the airport lounge access is very nice.

Due to the $1,500+ first-year value, I will be adding this to my Top 10 Best Small Business Card Bonus Offers.

American Express is celebrating their 175th birthday (!) with a “Member Week” from March 17-21. They are touting various special offers. I honestly don’t know if they will be awesome or disappointing, but I figure that it’s worth logging into your AmEx account/app and checking your AmEx Offer. Here is the press release and the official Member Week page.

Besides a chance at tickets to see Gracie Abrams and a free martini at “participating restaurants in New York, Washington D.C., Miami, Atlanta and Chicago”, here’s their teaser on the retail offers:

In honor of its 175th year, American Express will introduce new, limited-time Amex Offers for eligible U.S. Consumer and Business Card Members. Eligible Consumer Card Members can access more than $290 in statement credits when they make qualifying purchases from brands like Kiehl’s, Levi’s, barnesandnoble.com, Brooks Brothers and Shiseido; eligible Business Card Members can access more than $500 in statement credits on qualifying purchases from HP, Lowe’s and more. More information about Amex Offers and redemption deadlines can be found here (terms apply).

The big news in travel is that Southwest Airlines has basically given up their unique “We are different!” corporate identity and become just another commodity airline that tries to look as cheap as possible upfront (only $200!) while adding multiple fees on the backend for all the things that used to be included (want to sit next to each other? checked bags? decent legroom? ok sure it’s really $500). As educated consumers, our job is to understand the changes to their value proposition and adjust accordingly. Here’s a list of the new Southwest realities:

• Basic Economy has arrived to Southwest. The cheapest fare tier is now called “Basic”, not “Wanna Get Away”. You can no longer make free changes; you only get a non-transferrable credit that expires after only 6 months. Earns only 2X points, down from 6X points (elite status-holders get a little more). They are stripping everything possible because Southwest believes that people just pick the lowest fare regardless of features when listed on a comparison site like Google Flights or Expedia.
• No more free bags. Starting 5/29, on most fares you’ll no longer get two free bags included and they’ll start charging you like everyone else. Business Select fares and A-List Preferred elites will get 2 free checked bags. A-List elites and co-branded credit cardholders will get 1 free checked bag.
• No more open seating. Must pay for seat choice. Southwest is moving to assigned seats as well, which means Basic fares will have to pay up to pick their seats or be stuck in the worst middle seats or in the back.
• No more reasonable legroom for everyone. Southwest used to be known for decent seat width and legroom in all its seats. Southwest is now adding “premium” extra-legroom seats if you pay extra $$$. This usually means the rest of Economy loses a few inches in return (right now it looks like seat pitch will go down to 31″ from 32″, similar to Basic Economy for other major airlines).
• Changes to Rapid Rewards points redemptions. When redeeming Rapid Rewards points for flights, it will not longer be directly linked to the current cash fare. Basically, they want to be able to charge whatever amount they want, and limit the number of award tickets available on certain flights.

I wouldn’t actually read this Southwest press release because it has so much PR-spin that it is quite trifficult to understand what they are actually doing, but this attached graphic is useful:

It’s almost funny because you can still look up their old talking points and interviews on why open seating is better, why keeping free checked bags is better, why the fact that Southwest treats everyone well is important, but now it’s just the exact opposite. Your unique brand was around for 50 years, but now you’ve traded it all for a temporary bump in share price.

Well, Southwest, if you want us to just judge you on price, that’s fine with me. Selling a commodity product is usually a tough business, though. Prediction: The next step is to be merged away with another major airline soon.

In the meantime, I’m not sure if this makes their co-branded credit card more desirable or not. The card has basically added a free checked bag benefit that can be valuable, and some of them offer seating choice perks, but if you were a loyal Southwest flier, these new changes may cause you to not fly them as much anymore and now try out other airlines.

Updated with limited-time offers. The Wyndham Rewards Earner credit cards currently all have increased bonuses of up to 90,000 points. While these are not the highest amounts offered ever, they are above the normal bonuses. This hotel-chain co-branded card earns rewards that redeemable towards the Wyndham chain of hotels and Vacasa-managed vacation home rentals.

Wyndham Rewards Earner Card highlights:

• 60,000 bonus points after $2,000 in purchases in the first 90 days.
• 5X points per $1 spent on Hotels by Wyndham and qualifying gas purchases.
• 2X points per $1 spent on dining and grocery store purchases (excluding Target® and Walmart®).
• 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments).
• Automatic upgrade to Wyndham Rewards Gold status.
• 10% fewer Wyndham Rewards points required for go free® awards.
• 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases.
• No annual fee.

Wyndham Rewards Earner Plus Card highlights:

• 90,000 bonus points after $2,000 in purchases in the first 90 days.
• 6X points per $1 spent on Hotels by Wyndham and gas purchasess.
• 4X points per $1 spent on dining and grocery store purchases (excluding Target and Walmart).
• 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments).
• Automatic upgrade to Wyndham Rewards Platinum status.
• 10% fewer Wyndham Rewards points required for go free® awards.
• 7,500 bonus points each anniversary year after annual fee renewal.
• $75 annual fee.

Wyndham Rewards Earner Business Card highlights:

• 75,000 bonus points total. 50,000 bonus points after spending $4,000 on purchases and paying the annual fee in full, both within the first 90 days. Also, earn 25,000 bonus points after spending $12,000 on purchases within the first 365 days.
• 8X points per $1 spent on Hotels by Wyndham and gas purchasess.
• 5X points per $1 spent on eligible marketing, advertising, and utilities purchases.
• 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments).
• Automatic upgrade to Wyndham Rewards Diamond status.
• 10% fewer Wyndham Rewards points required for go free® awards.
• 15,000 bonus points each anniversary year after annual fee renewal.
• $95 annual fee.

Wyndham hotels have a relatively simple system that charges 7,500, 15,000, or 30,000 points for a “Go Free” award hotel night with no blackout dates (as long as a standard room is available for cash, you can book it with points). You can also redeem toward a discounted “Go Fast” cash and points rate. Resort fees may apply and cannot be paid with points. Note that when you have one of these credit cards, you get a 10% discount, so for example the 15,000 points tier would be actually be reduced down to 13,500 points.

You can also use the points for Vacasa vacation home rentals (like Airbnb or VRBO). Starting 3/26/24, it will cost 15,000 points *per bedroom* per night if the cash cost (including all taxes and fees!) is up to $250 *per bedroom* per night, or 30,000 points per bedroom per night if the cash cost is up to $500 per bedroom per night. More details at here and here.

That means your family likes to stay at Airbnbs, then 90,000 points can get you 3 nights at a 1-bedroom Vacasa-managed property that would otherwise cost up to $500 per night when including all taxes and fees, or at a 2-bedroom Vacasa property that would otherwise cost up to $250 *per bedroom* per night when including all taxes and fees. You can browse Vacasa properties here and book by calling 800-441-1034.

Wyndham points expiration – Important!

• Wyndham Rewards points will expire if you have no activity on your account for a period of 18 months.
• In addition, all Wyndham Rewards points expire 4 years after being earned — regardless of account activity.

From the official Terms & Conditions:

Except as may otherwise be required under applicable law, Wyndham Rewards points expire four (4) years after the checkout date of the stay for which the applicable points are posted to the Member’s account (the “Four Year Rule”), unless the points are forfeited or cancelled earlier due to membership inactivity (as more particularly described below), or otherwise in accordance with these Terms and Conditions. All accrued points in a Member’s Wyndham Rewards account may be cancelled or forfeited if the Member has no Account Activity (as defined below) for a period of approximately, but never less than, eighteen (18) consecutive months. For purposes of these Terms and Conditions, “Account Activity” means any (i) point earning, (ii) stay posted to a Member’s Wyndham Rewards account, regardless of whether or not such stay earns Wyndham Rewards points, and (iii) redemption or transfer activity involving a change in the Member’s Wyndham Rewards point balance, in each case, conducted in accordance with these Terms and Conditions.

For example, earning points via this credit card will only reset the 18-month inactivity clock. Look for the exact date in your online account page.

Wyndham Rewards includes over 9,000 hotels worldwide – from Days Inn motels to Wyndham Grand hotels. You can use this link to filter locations easily by country, state, and/or point level. Participating hotel chains include:

• AmericInn by Wyndham®
• Dolce Hotels and Resorts® by Wyndham
• Hawthorn Suites by Wyndham®
• Howard Johnson by Wyndham®
• La Quinta by Wyndham®
• Ramada by Wyndham®
• Days Inn by Wyndham®
• Super 8 by Wyndham®
• Travelodge by Wyndham®
• Wingate by Wyndham®
• Wyndham Grand®
• Wyndham Hotels and Resorts®
• Wyndham Garden®

Depending on the hotel, you might get over 1 cent per point value (i.e. $300 cash hotel night for 30,000 points), but you might also get closer to 0.5 cent per point value (i.e. a $75 hotel night might require 15,000 points).

Bottom line. The Wyndham Rewards Earner credit cards earns rewards that can get you free nights at Wyndham hotels and Vacasa vacation home rentals. However, know that you must redeem the points within 4 years at the longest, even with regular account activity. This is somewhat of a niche card, but if you’ve got all the popular ones, there is still good potential value here if you put in some legwork.

Also see: Top 10 Best Credit Card Bonus Offers and Top 10 Best Business Card Offers.