World of Hyatt Rewards Program Guide | LendingTree (2024)

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On this page
  • Is World of Hyatt worth it?
  • How much are points worth?
  • Pros and cons of World of Hyatt
  • Where are Hyatt hotels located?
  • How to earn Hyatt points
  • How to use Hyatt points
  • Hyatt elite status
  • Benefits of Hyatt elite status
  • FAQs

World of Hyatt Rewards Program Guide | LendingTree (1)Written by

Ian Snyder

World of Hyatt Rewards Program Guide | LendingTree (2)Written by

Lauren Nicholson

World of Hyatt Rewards Program Guide | LendingTree (3)Edited by

Robin Ratcliff

Updated on:

December 28, 2023

Content was accurate at the time of publication.

World of Hyatt Rewards Program Guide | LendingTree (4) Why use LendingTree?

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World of Hyatt is one of the best hotel loyalty programs, offering valuable rewards points, upscale properties and strong elite benefits. Even the infrequent traveler can unlock World of Hyatt perks like free nights and club room upgrades. World of Hyatt also offers credit cards for personal and business use that make earning points and elite status even easier.

World of Hyatt’s rewards points are worth more than any other hotel points on the market. They’re worth approximately 1.7 cents per point when used toward hotel stays.

By taking advantage of seasonal pricing on award nights, members can redeem nights starting at just 3,500 points. Luxury and all-inclusive resorts start at just 17,000 points per night. While World of Hyatt’s footprint is smaller than that of other hotel brands, it has some of the most desirable properties in the world.

Hyatt quick facts
Number of propertiesOver 1,250
How many Hyatt points do you need for a free night?3,500 - 137,000
Redemption options

  • Hotel stays

  • Room upgrades

  • Experiences

  • Meetings and events

  • Airline miles

  • Rental cars

  • Transfer to others

Point value~$0.017 (10,000 Hyatt points are worth $170)
Pros

  • Strong elite program

  • Valuable points

  • Attractive award chart

  • Excellent portfolio of brands

  • Strong co-branded credit cards

Cons

  • Limited global footprint

  • Few card options

  • Hyatt points are hard to come by

Is World of Hyatt worth it?

Yes, the World of Hyatt program is worth it, especially since it’s free and easy to join. Hyatt points are more valuable than hotel points from competitor brands, and elite status offers attractive benefits. You don’t need to accrue many points for a free stay, since award nights start at just 3,500 points. The World of Hyatt Credit Card makes it easy to earn points for award stays and elite night credits toward status tiers.

How much are Hyatt points worth?

A Hyatt point is worth around $0.017, based on our sampling of domestic and international properties with various booking periods ranging from booking the week-of to six months in advance.

In general, you’ll get between $0.01 and $0.025 cents per Hyatt point. However, the value of Hyatt points varies greatly depending on how you use them.

  • You can easily redeem points for over $0.02 each at a typical Category 1 Hyatt Place location where the cash rate is $100 per night. The Hyatt Place Memphis/Germantown is available starting at 5,000 points per night. However, if you pay cash, the rate is $133 per night ($158 with tax), which makes this redemption worth over $0.03 per point.
  • Higher category properties tend to be more expensive, which makes them excellent candidates for point redemptions. For example, a king bed with a view of the harbor at The Park Hyatt Sydney in Australia starts at 40,000 points per night for a room that is more than $815 per night. That’s a value of over $0.02 per point.
  • Some markets (e.g., Chicago) might experience high rates during one period while offering reasonable rates at a different time. Busy travel dates can also affect the price you’ll pay in cash or points. Before booking your room, compare the cash rate versus the award rate to determine whether using points is better than paying cash.

How do you know if using Hyatt points is worth it?

Hyatt points are generally valued at around $0.017 per point — if a hotel stay is worth $0.017 per point or more, then it’s likely worth it to use them. To calculate the value of Hyatt points, use this simple equation:

Cash price (including taxes and fees) / Number of points needed for hotel stay = Points value for that specific reservation

Pros and cons

World of Hyatt offers excellent value for travelers who are Hyatt loyalists. There are many advantages to the World of Hyatt program, but it makes sense to understand its limitations as well.

Pros

  • Points are valuable. Hyatt points are worth $0.017 each, which is more than Hilton, Marriott or IHG (ranging from $0.004 to $0.009 each).
  • Great benefits for higher tiers of elite status. While the lower elite tiers offer some fairly generic perks, top-tier Hyatt Globalist members enjoy excellent benefits that make this status worth attaining.
  • Milestone rewards. Milestone Rewards allow members to enjoy free nights, club upgrades and bonus points as they rack up nights throughout the year, rather than waiting until they reach a new membership tier.
  • Upscale hotel brands. Hyatt’s brands themselves are a strength. Even Hyatt’s limited-service brands are often more upscale than the competition. Hyatt Place and Hyatt House hotels are Hyatt’s most inexpensive offerings, yet they are head and shoulders above the budget brands of the other hotel chains. On the other end of the spectrum, Hyatt is chock full of luxury properties.
  • Variety of transfer partners. Your point earning options aren’t limited to Hyatt. Hyatt has several transfer partners, including Chase Ultimate Rewards®, that allow you to transfer points.

Cons

  • Limited footprint. Hyatt has roughly 1,250 properties, while its competitors have at least 6,000 each.
  • Few credit card options. World of Hyatt only has one option for consumers and one for small businesses. Its competitors offer multiple cards at varying price points.
  • Hyatt points are hard to come by. While Hyatt points are very valuable, Hyatt offers limited options for earning them.

Where are Hyatt hotels located?

Hyatt has over 1,250 properties in over 76 countries around the world. Properties span all six inhabited continents. With 23 unique hotel brands, finding a fit for your particular travel style with Hyatt is easy to do.

Possibly the greatest weakness in an otherwise fantastic program is the relatively few number of hotels worldwide. Competitors Hilton, IHG and Marriott each have over 6,000 properties worldwide, while Hyatt has just over 1,250 global properties.

Hyatt partners with Small Luxury Hotels of the World, a curated collection of more than 500 boutique properties in more than 90 countries around the globe. This partnership has expanded the number of hotels available to World of Hyatt members.

Hyatt has one of the poorest representations of the major hotel brands in Europe. However, if you include the Small Luxury Hotels of the World properties that partner with World of Hyatt, Hyatt fares a bit better.

BrandType of property# of locations
AlilaUnique luxury hotels in less-traveled locations18
AluaModern, family-friendly hotels at the beach35
AndazLuxury lifestyle brand with local focus28
Breathless Resorts & SpasAdult-only beachside properties offering upscale spa experiences5
Caption by HyattUpscale select-service lifestyle brand500+ locations in development
Destination by HyattDiverse, independent U.S. hotel collection50+
Dreams Resorts & SpasFamily-friendly luxury beach properties29
Grand HyattWorldwide full-service luxury brand62
Hyatt CentricUpscale lifestyle brand in popular destinations57
Hyatt HouseUpscale, select-service, extended stay135
Hyatt PlaceUpscale select-service419
Hyatt RegencyUpscale, full-service, business240
Hyatt StudiosExtended stayComing soon
Hyatt Zilara and Hyatt ZivaUpscale all-inclusive resorts for adults (Zilara) and families (Ziva)10
JdV by HyattBoutique hotels with independent originality58
MiravalAll-inclusive luxury wellness resorts3
Park HyattFlagship luxury brand45
Thompson HotelsRefined, luxurious urban hotels18
Secrets Resorts & SpasRomantic, adult-only beachside properties16
Unbound CollectionIndependent upscale full-service collection39
Sunscape Resorts & SpasAll-inclusive, family-friendly beachside resorts6
ZoëtryBoutique resorts offering luxury spa and dining experiences7
Hyatt VividAdult-only resorts offering simple, custom amenities and experiencesComing soon

How to earn Hyatt points

While Hyatt points are valuable, they can be hard to come by. Compared to other loyalty programs, options for earning Hyatt points are fairly limited (for instance, Hyatt does not have a dining or shopping program). Still, there are some viable options for earning Hyatt points quickly — especially through hotel stays and co-branded credit cards.

Hyatt hotel stays

One of the best ways to earn Hyatt points is by purchasing hotel rooms directly from Hyatt. Award nights start at 5 base points per dollar spent (taxes not included) for regular members and go as high as 6.5 points per dollar for Globalist members. Plus, you can earn additional points for ongoing promotions.

Some room charges are also eligible to earn base points, including spa, food and beverage purchases, but it depends on the property. Alcoholic beverage purchases billed to your room may not earn base points. Elite bonus points are earned as redeemable points, but these are not counted as base points toward elite status.

Status levelPoints earned/$1 spent
General member5
Discoverist (10% bonus)5.5
Explorist (20% bonus)6
Globalist (30% bonus)6.5

Credit cards that earn World of Hyatt points

The World of Hyatt credit cards are another great source of Hyatt points — especially for new members who can earn the cards’ sign-up bonuses. Card members get an additional 4 points on Hyatt purchases with the cards and qualify for other great hotel perks, including automatic Discoverist status with Hyatt.

Credit Cards Welcome OfferRewards RateAnnual Fee
World of Hyatt Business Credit Card

Apply Now

on Chase's secure site

60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.N/A$199

Apply Now

on Chase's secure site

Chase Ultimate Rewards® cards

Co-branded credit cards aren’t the only cards that can help you earn more points toward future Hyatt stays. If you have an eligible Chase credit card, you can transfer your Ultimate Rewards points at a 1:1 ratio in increments of 1,000 points to World of Hyatt.

Credit Cards Welcome OfferRewards RateAnnual Fee
Chase Sapphire Preferred® Card

Apply Now

on Chase's secure site

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.$95

Apply Now

on Chase's secure site

Chase Sapphire Reserve®

Apply Now

on Chase's secure site

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases$550

Apply Now

on Chase's secure site

Ink Business Preferred® Credit Card

Apply Now

on Chase's secure site

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.$95

Apply Now

on Chase's secure site

*These cards allow you to transfer Ultimate Rewards points to Hyatt. If you own one of these cards, you can transfer points from any no-annual-fee Ultimate Rewards cards that you own as well.

World of Hyatt partners and earning opportunities

You can earn Hyatt points by booking SLH hotels through Hyatt. Earning on SLH stays is the same as with Hyatt, including the 10%/20%/30% bonus points depending on your Hyatt elite status.

You can earn 10 base points per $1 in the U.S. and Mexico on a variety of unique experiences, ranging from fitness or cooking classes to paragliding with an instructor. You’ll earn 4 additional base points per $1 when you pay with your World of Hyatt credit card.

Earn World of Hyatt points as you travel to some of the most remote corners of the world with Lindblad Expeditions. World of Hyatt members earn 5 base points per $1 spent, plus standard elite member bonuses based on elite tier. Additionally, each night that’s part of the experience counts toward elite status. As a World of Hyatt member, you’ll receive a $250 onboard credit per reservation to cover incidental expenses.

Hyatt also partners with American Airlines so that elite members in both programs can receive reciprocal benefits. One of the perks is the ability to earn 1 World of Hyatt bonus point for every eligible $1 spent on qualifying American Airlines flights. This is in addition to any AAdvantage miles you would earn on your flights.

To be able to earn points for American Airlines flights, you’ll need to link your World of Hyatt and AAdvantage accounts.

World of Hyatt members can earn 500 points per qualifying rental with Avis. Additionally, you’ll receive up to 25% off base car rental rates as a membership benefit. To earn Hyatt points and receive your discount with Avis, provide the Avis Worldwide Discount (AWD) number K817700 and your World of Hyatt number.

Planning an event or meeting at a Hyatt property? Make sure you add your World of Hyatt number, as this is another easy way to earn Hyatt points. Hyatt awards 1 point per eligible dollar spent for hosting meetings or events with Hyatt, up to 50,000 bonus points per event. These are not base points, so they will not count toward tier status. However, you can qualify for Hyatt elite status based on meetings or events hosted.

Membership levelQualifying meetings/events points/$1
MemberN/A
Discoverist3
Explorist10
Globalist20

Through its partnership with Points.com, Hyatt members can buy up to 55,000 World of Hyatt points per calendar year. All purchases are in increments of 1,000. Note that buying points is rarely a good idea, as you’ll generally pay more than what points are worth. However, occasional point buying can make sense (e.g., if you need to top off your balance for a redemption) — especially if you can take advantage of a special promotion.

People may also purchase World of Hyatt points as a gift for someone else. Purchases follow the same limits whether you are buying points for yourself or as a gift.

Other World of Hyatt members can transfer points to you at no charge. To transfer points, you and the gift-giver must complete this form, then email or fax it to World of Hyatt customer service. Each person may only participate in one transfer every 30 days.

World of Hyatt routinely runs promotions, ranging from earning additional points on stays to rebates on award nights. Here are a few examples of promotions at the time of writing:

  • Bonus Journeys – Register to earn 3,000 bonus points every three qualifying nights for stays between Oct. 6 and Nov. 30, 2023 (up to 21 qualifying nights).
  • Double Your Points – Members earn twice the points on every dollar they spend on eligible rates and incidental charges during their stay at participating properties.
  • Earn 500 bonus points on stays at new hotels – Dates vary by property. You don’t need to register ahead of your stay, and this promotion stacks with other offers.

How to use World of Hyatt points

The primary use of Hyatt points is for hotel stays with World of Hyatt. This is where you will find the best value. World of Hyatt uses a few different award charts for determining how many points are required for an award night. Hyatt recently released pricing for premium suites, which means that you can book a wide variety of room types using your Hyatt points and know the cost upfront. Here are your best options:

Free nights

Free nights with Hyatt are generally the best way to go with your points. World of Hyatt has off-peak, standard and peak pricing for each tier and category of rooms. You only need 3,500 points to book a room at the lowest tier in off-peak season, while premium suites can go for up to 90,000 points per night.

Although Category 1 is the lowest category hotel, it includes some Hyatt Place and Hyatt House properties in a few desirable locations. The lowest tiers of Hyatt’s chart, in general, are an excellent value, allowing you to book nicer-than-average hotels with a modest number of points.

Here are some other good uses of points:

  • Weekend stays — In most tourist destinations, weekends often have the highest prices since that’s when most travelers are visiting. Using points for weekend stays can be useful if your points are limited and you have to choose which nights to use points and which to pay in cash.
  • All-inclusive resorts — All-inclusive resorts tend to be more expensive than other hotel options, yet they still offer valuable savings because meals, drinks and some activities are included at no extra charge. For many travelers, the extra cost in points can be well worth it.
  • Booking a luxury vacation — For many travelers, high-end hotels are out of their budget financially. However, when you book a room using points, these luxury accommodations become much more affordable.
Hotel CategoryStandard roomRegency/Grand ClubStandard suitePremium suite
13,500-6,5005,500-8,5006,500-9,5007,000-13,000
26,500-9,50010,500-13,50011,500-14,50013,000-19,000
39,000-15,00014,000-20,00017,000-23,00018,000-30,000
412,000-18,00018,000-24,00021,000-27,00024,000-36,000
517,000-23,00024,000-30,00029,000-35,00034,000-46,000
621,000-29,00029,000-37,00036,000-44,00042,000-58,000
725,000-35,00034,000-44,00043,000-53,00050,000-70,000
835,000-45,00045,000-55,00056,000-66,00070,000-90,000

World of Hyatt Rewards Program Guide | LendingTree (17)Savvy traveler tip: Hyatt makes it extremely easy to book hotel stays with your points. You simply need to search a destination on Hyatt’s website and select the “Use Points” checkbox. Once you select a property, you can easily toggle between cash rates and points rates, or select a room type to view all available rates.

All-inclusive award nights

In addition to the standard award chart, Hyatt uses a separate award chart for its all-inclusive properties. Depending on the hotel and the time of booking (off-peak peak/standard/peak) you can book an award night with 12,000 to 115,000 points.

Rates are based on two-person occupancy, with an extra charge for each additional person up to a maximum of four people per room.

Hotel categoryStandard roomRegency/grand clubStandard suitePremium suiteAdditional points per person
A12,000-18,00018,000-24,00021,000-27,00024,000-36,0006,500-8,500
B17,000-23,00024,000-30,00029,000-35,00034,000-46,0008,500-11,500
C21,000-29,00029,000-37,00036,000-44,00042,000-58,00010,500-14,500
D25,000-35,00034,000-44,00043,000-53,00050,000-70,00013,000-17,000
E35,000-45,00045,000-55,00056,000-66,00070,000-90,00017,000-23,000
F42,000-58,00055,000-74,00070,000-90,00085,000-115,00022,000-29,000

Miraval Resorts

Hyatt also has special pricing for its Miraval Resorts, which are luxury all-inclusive experiences. The range of these bookings is much higher than the regular Hyatt award chart. Awards start at 40,000 points for an off-peak single-occupancy standard room and range to a sky-high 137,000 points for a premium suite during peak season. Additionally, you’ll receive a resort credit of $175 per person to cover extra charges.

HotelStandard roomSuitePremium suite
Single-occupancy40,000-50,00065,000-85,00095,000-115,000
Double-occupancy57,500-72,00082,500-107,000112,500-137,000

Room upgrades

Hyatt also lets you upgrade your room using World of Hyatt points. This is only applicable to cash bookings. Upgrades with Hyatt can be a good value at high category properties when cash rates are cheap. For example, booking a Club room at a Category 6 property requires 8,000 more points per night than booking a standard room. If you pay cash, you can obtain this Club upgrade for just 3,000 points per night.

Room upgrade awardPoints per night
Regency/Grand Club room upgrade3,000
Suite upgrade6,000
Premium suite upgrade9,000

Hyatt Points + Cash

Hyatt also allows you to use half the required points for a hotel category and pay the rest in cash to give you more flexibility when booking free nights. Pricing for Points + Cash redemptions also follow the off-peak, standard and peak pricing schedules.

The upside here is that you won’t have to accumulate a ton of points before you can use them. The downside is that you don’t get any extra value by choosing the Points + Cash rate. You’ll pay half the points and 50% to 70% of the going rate for the night. Points + Cash stays also lose out on 100% award stay benefits, like waived resort and parking fees. Because of this rule, you may be better off splitting your reservation into all points for some nights and all cash for the others.

Whether a redemption of your World of Hyatt points is good or not depends on your personal preferences and the value you’re getting in exchange for your points. These redemptions tend to offer lower value compared to other methods, so they are generally a bad option for most travelers:

  • Dining and spa credit — You can use your points for dining or spa credit. However, you receive up to 1.5 cents per point when redeeming this way, making it a poor use of your points compared to hotel stays.
  • Meeting credit — Using points toward meeting credit gives you a bit more value. You can redeem 15,000 World of Hyatt points for $200 of future meeting or event credit (and higher increments of 15,000 points), yielding a value of 1.33 cents per point.
  • Airlines transfers — You can also convert your World of Hyatt points to airline miles. The typical rate is 2.5 Hyatt points per airline mile with most programs, although there are a few exceptions to this rule. In general, this does not provide good value, unless you need a few miles to top off your account to book an award ticket or have a specific high-value redemption in mind, such as international first-class flights.
  • Car rentals — In addition to earning Hyatt points with Avis, you can redeem points for car rentals. You can redeem 6,000 Hyatt points for an intermediate-size rental car for a day. This redemption undervalues your points compared to what they can get for hotel stays. Unless your rental car costs over $102 per day, giving you a point value of $0.017, you should avoid this option.

Hyatt elite status

World of Hyatt elite status is Hyatt’s way of rewarding you for your loyalty to its hotel chain. Each tier of elite status provides valuable perks that will make your Hyatt stays even more enjoyable. With perks like suite upgrades and waived resort fees, the highest tier of Hyatt elite status can be extremely valuable.

You typically need to earn status through either nights or base points. Alternatively, you can qualify for Hyatt elite status by planning meetings or events.

World of Hyatt elite status is valid from the moment you qualify for it through the end of February two calendar years in the future. For example, if you qualify for Explorist in September 2023, this status will last until February 2025.

Status levelsNightsBase pointsMeetings and events
Discoverist1025,0003
Explorist3050,00010
Globalist60100,00020
Lifetime GlobalistN/A1,000,000N/A

Benefits of Hyatt elite status

World of Hyatt offers a variety of benefits to its elite members, including bonus points, room upgrades, free breakfast and waived fees. Here are the benefits of Hyatt elite status at each level.

  • Earn points that you can redeem for free nights
  • Exclusive member rates
  • Waived resort fees on award stays
  • Small Luxury Hotels benefits (free breakfast, complimentary Wi-Fi, room upgrade)

All member benefits, plus:

  • 10% bonus points based on base points earned
  • Complimentary premium internet
  • Free daily bottled water
  • Complimentary upgrade (based on availability at participating locations) to a preferred room within the category booked
  • Faster check-in
  • Late checkout up until 2 p.m., where available
  • American Airlines AAdvantage bonus

All Discoverist benefits, plus:

  • 20% bonus points based on base points earned
  • Complimentary room upgrade (based on availability at participating locations), excluding suites and room with club lounge access
  • Guaranteed availability at participating Hyatt hotels up to 72 hours in advance

The lion’s share of elite benefits kick in when you attain Hyatt Globalist. The perks you enjoy as a Globalist are well worth the effort.
All Explorist benefits, plus:

  • 30% bonus points based on base points earned
  • Resort fees waived on all eligible rates and award nights
  • Free parking on award nights
  • Complimentary room upgrade (based on availability at participating locations) including standard suites
  • Extended late checkout of 4 p.m., where available/li>
  • Complimentary Club access or daily breakfast (for up to two adults and two children registered to the same room) at locations without a Club
  • Priority access to available rooms when checking in early
  • Hyatt Guest of Honor benefit that lets friends and family enjoy your Globalist benefits
  • Guaranteed availability at participating Hyatt hotels up to 48 hours in advance

The World of Hyatt does offer a lifetime status program where you can earn top-tier Globalist for life. The qualification requirement is simple: Earn 1,000,000 base points in the World of Hyatt program. There is no route to Lifetime Globalist through either nights or events.

The qualification requirement of 1 million World of Hyatt points is a major hurdle, as it equates to around $200,000 spent with Hyatt Hotels.

Frequently asked questions

Yes, World of Hyatt is free to join. You can enroll here.

Yes, World of Hyatt points expire after 24 months of inactivity. Members can extend the life of their points by staying at a Hyatt property, earning base points, or holding a meeting or event at Hyatt.

Hyatt Hotels Corporation manages and franchises hotels under the 23 different hotel brands, which include Hyatt, Hyatt Regency, Grand Hyatt and Park Hyatt, among others.

Yes, you can buy World of Hyatt points directly here.

You can enroll in the World of Hyatt loyalty program here.

Stays prior to enrollment in World of Hyatt are not eligible for Tier-Qualifying Night credit or base points. World of Hyatt members may request stay credit for up to one year after checkout. To request retroactive credit, you’ll need to complete and submit your request using the past stay credit form and allow two to three weeks for Hyatt to process the credit.

Your World of Hyatt number will be provided on the confirmation page after joining World of Hyatt. When logged into your account, click on your name in the upper right corner to view your number. Your member number also appears at the top of the Hyatt mobile app.

World of Hyatt’s customer service number is (800) 544-9288. Through My Hyatt Concierge, Globalists also receive a dedicated concierge to help them with their needs. Once you reach Globalist elite status, your concierge will reach out to make an introduction and provide their email and phone contact information.

The information related to the World of Hyatt Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

World of Hyatt Rewards Program Guide | LendingTree (18)

Ian Snyder

Ian Snyder is a freelancewriter who has been covering credit card rewards and travel loyalty programs for over 3 years. He has a passion for extracting the greatest value possible from airline miles and hotel points and has earned and redeemed millions of points over the past severalyears, primarily through the savvy use of credit cards. His credit card knowledge extends to all major bank programs and the unique set of partners available through each.

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