New York on a card program: the expensive city, and where it isn’t

New York is the city with the most hotels on every list here and the highest median on most of them. It is also the city where the difference between lists is largest: the same trip is an $812 night on the Capital One list and $1,182 on Bilt’s. This is the city, program by program, from the snapshot of August 28, 2026, with the cheap end of each list called out, because that is what most of us are looking for.

Who lists what

Amex has 78 New York listings across FHR and the Hotel Collection, the most of any program in any city. The FHR side runs from the Conrad Downtown and the Langham up through the Peninsula, the Carlyle, the St. Regis, the Mark and the Aman. The Hotel Collection side is where the Moxys, the Hoxton in Williamsburg, MADE, 11 Howard, the Standards and the Sofitel live, and those are the cheapest luxury-adjacent rooms in the city on any card.

Chase’s Edit had 49, including Brooklyn: the Standards, both InterContinentals, the Virgin, the William Vale and the Wythe at the accessible end; the EDITIONs, the Pendry, the Langham and the Ritz-Carltons in the middle; and the Four Seasons, the St. Regis, the Baccarat, the Mark and the Surrey at the top. Renowned lists nearly the same set. Citi’s Reserve had 35 and Bilt 39, Bilt’s being the most rarefied selection, with a median of about $1,107 a night.

What a night costs

City medians, all-in, over about a year of nightly prices: roughly $812 on Capital One, $905 across the Amex list, $932 across the 49 Edit hotels, $1,008 on Renowned, $1,024 on Citi and $1,107 on Bilt. Every one of those includes New York’s 14.75% hotel tax and its $1.50 nightly fee, which the hotels’ own rates do not, so a “$700” room in this city is an $805 night.

Inside the Edit list the spread is enormous. The Ace Hotel Brooklyn’s median was about $485 a night and the Four Seasons on 57th Street’s was $2,628. The Standards, both InterContinentals, the Virgin and the 33 Hotel at the Seaport were all under $630. The Baccarat, the St. Regis, Fouquet’s, the Park Hyatt and the Surrey were all over $1,850.

The cheap end, list by list

On The Edit, two-night totals: the Ace Brooklyn at about $593 from January 9, the Standard East Village at $679 from January 3, the Standard High Line at $694, the InterContinental Times Square at $696, the InterContinental Barclay at $701, the 33 Hotel Seaport at $728, the Virgin at $741 from November 22, the Wythe at $798, the William Vale at $826. Prepaid on a Sapphire Reserve, each of those returns $250 and adds breakfast for two and a $100 property credit, which at the Ace is more than half the bill.

On Amex FHR, single nights: the Conrad Downtown at about $423 for late March 2027, the Wall Street Hotel at $555 for January 2, the Langham at $566 for January 29, the Chatwal at $578, the Loews Regency at $611, the W Union Square at $621, Nine Orchard at $646, the Beekman at $652, the New York EDITION at $699 and the Dominick at $701. The Pierre was $744, the Pendry $767 and the Mandarin Oriental $773 for a February night. The Hotel Collection side, two nights: the Moxy Lower East Side at $436, the Moxy Williamsburg at $442, the Hoxton at $534, MADE at $567, the Grayson at $583, 11 Howard at $596.

On Bilt, single nights: the Kimpton Era Midtown at about $279 for August 30, the Roxy at $305, the InterContinental Barclay at $343 for February, the Soho Grand at $404, the William Vale at $413, the Times Square EDITION at $467, the Lotte New York Palace at $498, 1 Hotel Brooklyn Bridge at $524, Andaz 5th Avenue at $545. Bilt’s list is dear on average and its bottom is as cheap as anyone’s.

January

Read the dates in the lists above again. Almost every cheapest window in New York fell in January 2027: the 2nd, 3rd, 4th, 7th, 9th, 10th, 17th, 24th, 29th. The city’s luxury hotels are half-empty between New Year and Presidents’ Day, and their rates say so more loudly than any other city’s. Across the catalogue January nights run about 5% under a hotel’s typical price; in New York the swing at individual hotels is far larger. The Wall Street Hotel’s median night was about $1,609 and its cheapest was $555. The Conrad Downtown’s median was $725 and its cheapest $423. The Mandarin Oriental’s median was $1,617 and its cheapest February night $773.

Those are the hotels where the deal badge on this site earns its keep, because the badge compares a hotel to itself. A green badge on the Wall Street Hotel means the cheapest night is 65% under what the hotel usually charges, which is a different fact from “cheap,” and in New York it is the more useful one.

The top end, for completeness

The Four Seasons New York’s cheapest two nights were about $4,431, in the first days of January. The Surrey’s were $3,680, the Mark’s $2,960, the St. Regis’s $2,523, the Baccarat’s $2,464 and Fouquet’s $2,429. On the Amex side the Aman’s cheapest single night was $2,850 against a median of $3,481. A $250 or $300 credit is nice on those and does not change the decision. The Lowell, the Plaza and the Twenty Two had no price on any list, which for hotels of that kind usually means the search engine doesn’t see their inventory rather than that they are full.

About the numbers

All-in open-market estimates from the snapshot of August 28, 2026, with the 14.75% tax and the nightly fee added; not portal prices, which the portals set independently. “New York” here includes Brooklyn. The Amex count includes hotels listed in both FHR and the Hotel Collection once each. Medians are over roughly a year of priced nights per hotel.