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[quote=Anonymous]If you are UMC or higher and like high end travel, it may be worth it to get the Marriott Bonvoy Card, Hilton Aspire, and the Ritz Chase (requires a product change from another Chase card as no longer offered otherwise).  The reason is that the Marriott and Ritz come with an annual 85K certificate that you can top off up to 100k.  It makes the annuals worth it because you are basically buying an free night for much less than you would spend paying direct.

We don't put much spend on these cards but DH and have 1 of each.  We spent 4 nights at the Ritz Naples for spring break where the rate was $1200/night.  We effectively paid $350/night (Marriott card) and $150/night (Ritz card).

The Hilton Aspire card also works out to $150/night.  We stayed at the Conrad NY where rates were $800ish using the free night award.

Again, we're paying a lot in annual fees, but you are basically prepaying for high end hotel stays.  Plus each card comes with other benefits like airline credits, dining credits, etc that we always use.[/quote]

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