What Credit Stays is
Credit Stays finds the cheapest luxury hotels you can book with your card’s hotel benefits. It tracks every hotel in The Edit by Chase Travel, Amex FHR & THC, Bilt Home Away From Home, Chase Renowned Hotels & Resorts, Capital One Premier Collection, The Reserve by Citi Travel, and Leading Hotels of the World, about 5,945 properties, and ranks each list by the cheapest upcoming stay over roughly the next year, priced at that program’s own booking minimum. A program with no minimum is shown per night; one whose credit needs two nights is shown as a two-night total. Every hotel opens a calendar of nightly prices so you can pick the dates, and a link into the portal with those dates filled in.
It’s an independent, one-person project. It is not affiliated with, endorsed by, or sponsored by JPMorgan Chase, American Express, Bilt Rewards, Capital One, Citigroup, The Leading Hotels of the World, or any hotel. It reads their public program lists and shows you where the cheap stays are. Hotels don’t pay for placement, the ranking is arithmetic, and there are no affiliate links, because the portals don’t pay commissions on hotel bookings. The site earns from clearly labelled display ads on the browse pages and nowhere else.
Why it exists
The hotel programs are the best thing about the premium travel cards and the worst-documented. Each portal is built to sell you a hotel you have already chosen, not to show you which of 1,400 is cheap this month, and the points blogs publish a top-ten list once and never price it. I had the cards and the question. Nothing answered it, so I built the thing that does: the whole list, sorted by what a stay costs, refreshed every day, with the seams showing.
Where the prices come from
Nightly prices are open-market meta-search estimates. For each night I prefer a rate that sits at parity with the hotel’s own direct price, and fall back to the hotel’s brand-direct channel when there isn’t one. Nights quoted only by discount resellers are treated as unavailable rather than shown at a teaser price. Then taxes and fees go on, so every number is what the bill would say: the local percentage tax, any flat city tax, and the hotel’s own resort fee where it charges one.
Prices refresh on a rolling cycle and publish daily; the status line at the top of each collection page says when. They are estimates for spotting cheap dates, not the program rate. The portals price independently and sometimes differently from each other, so always confirm in Chase Travel, Amex Travel, Bilt, Capital One Travel, Citi Travel, or Leading Hotels of the World via the booking link before you count on a number. How our prices work covers the method and its limits in detail, and How this site is built covers the plumbing, including what breaks.
What the guides are, and who writes them
Alongside the browse pages there is a set of guides: one per program, saying what each card’s benefit actually requires and pays, re-verified against the issuers’ own terms and dated; a few on how this site’s numbers are made and how to read a price calendar; and a few that use the catalogue itself to answer questions I couldn’t find answered anywhere, such as which cities are cheap, which month is cheap, and how much the seven lists overlap. Those data pieces quote a dated snapshot and say so.
Get in touch
Spotted a wrong price, a dead link, or a program change we missed? The contact page says what is useful to send. The privacy page is short, because the site collects very little.