Hotels where your card gets you more.
Find great deals on hotels where your card program gets you bonus perks.
What this is
Seven card programs bundle perks into a hotel stay: breakfast for two, a credit to spend on property, an upgrade when the hotel can manage it, and on some cards a few hundred dollars back. The catch is that the portals selling those stays are built to show you the hotel you already chose, not which of 1,400 is cheap this month.
Credit Stays tracks every hotel in every list, about 5,945 properties, and sorts each program by the cheapest upcoming stay over roughly the next year, priced at that program’s own minimum and with taxes and resort fees already in the number. Pick a program above, then open any hotel for a year of nightly prices and a link into the portal with your dates filled in.
The prices are open-market estimates for finding the cheap dates, not the portal’s rate. It’s a one-person project, unaffiliated with any card issuer, and the seams are written down rather than hidden.
From the guides
- Which card gets you which hotel program
Seven hotel programs, six issuers, and a lot of fine print about who can book what. The card-by-card map: what each one unlocks, the minimum stay, the credit, and where the booking happens. 6 min
- Chase’s $500 Edit credit, and the extra $250 for 2026
The Sapphire Reserve now carries two hotel credits: up to $500 a year on Edit stays plus a 2026-only $250 for seven hotel brands. What qualifies, how they stack, and what they don’t do. 6 min
- January is the cheap month: what a year of nightly prices says about timing
Across every card program, nights in November through February run 3% to 7% under each hotel’s typical price and September and October run 3% to 7% over. Weekends barely matter. The month-by-month figures, and what they don’t tell you. 5 min
- What a night actually costs in each program
Medians, quartiles and the number of hotels under $300 a night, program by program, from a snapshot of roughly 9,800 priced listings in late August 2026. Capital One is the cheap list; New York is the expensive city everywhere. 5 min
- The cheap luxury cities, and the expensive ones
Bangkok, Shanghai, Atlanta and, oddly, San Francisco are where a program hotel is cheap. Milan, New York, Rome and Paris are where it isn’t. City medians across all seven lists, all-in, from a snapshot of roughly a year of nightly prices. 5 min
- Where our prices come from, and how to read them
Every price on Credit Stays is a hotel meta-search estimate with taxes and fees added, refreshed on a rolling cycle and ranked by the cheapest bookable stay over the coming year. The method, the coverage, and its limits. 7 min