Stash Hotel Rewards Visa Card

Best Hotel Credit Card for Travelers Who Like Boutique Hotels

Stash Hotel Rewards Visa Card

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Pros
  • No expiration date for points
  • Geared toward non-chain hotels
  • Booking discount when you pay with points
Cons

Value Penguin warns that this card isn’t the best choice for someone who spends less than $10,000 per year on travel-related expenses. That’s because the APR and annual fee can potentially cancel out the rewards you receive.

Highlights
  • Points don’t expire
  • No travel blackout dates
  • No limit on the number of points you can earn
Details

Application Process:  Apply online and get an immediate decision unless someone has to manually review your app.

FYI: This card is issued by Synchrony Bank, so make sure any other cards you have with them are in good standing before you apply. Synchrony Bank handles credit cards for PayPal, Amazon, Sam’s Club, and a bunch of other retailers.

Rewards:  The Stash Hotel Rewards Visa offers some great rewards as long as you visit boutique hotels frequently throughout the year. As of 2017, there are only around 150 boutique hotels that participate in this card’s reward program, but you can also earn points for dining at restaurants and fueling up at gas stations.

Cardholders get 3 points for every dollar they spend at Stash-friendly hotels, which is lower than other cards on our list. However, those cards are designed for folks who frequent chain hotels with thousands of locations, so we find the points program for this boutique hotel card reasonable. If you don’t visit boutique hotels enough to rack up some major points, you can collect 2 points for every dollar you spend at other hotels. Oh, and you get 2 points for every dollar spent at participating restaurants and gas stations, plus one point on all other qualifying purchases.

Bonus Offers: Hotel cards are known for their bonus offers, and this card is no exception. If you spend at least $1,500 within your first 90 days as a cardholder, you get 10,000 bonus points. That’s enough to get a free hotel room in some cities.

APR:  Your variable APR is 16.99% for the first year, but we’ve heard it’s possible to get it decreased after paying your bill on time for a while. In general, 78% of consumers have successfully convinced a credit card company to lower their APR by simply calling and asking.

Annual Fee: As with most hotel credit cards, Stash waives your fee the first year. Expect to shell out $85 per year after your fee-free year ends, and don’t forget to budget for the expense. Multiple cardholders complain that they forgot about the $85 fee until they saw it on their statement.

Card attributes
  • Variable APR
    17.49%
  • Cash Advance APR
    See terms.
  • Rewards Rate
    3 points per dollar spent at Stash Partner Hotels, 2 points per dollar spent on all other hotels, dining and gas, 1 point per dollar for all other qualifying purchases
  • Annual Fee
    $0 the first year, then $85.
  • Intro APR
    n/a
  • Bonus Offers
    Earn 10,000 points towards free stays at Stash Partner Hotels when you spend $1,500 within 90 days of opening your account.
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