Hilton Aspire vs Bonvoy Brilliant vs Ritz Carlton Card (ULTIMATE Battle)
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- เผยแพร่เมื่อ 19 มิ.ย. 2024
- The ULTIMATE Luxury Hotel Card Battle..
💳My Favorite Credit Cards: mattwelter.info/favorite-cards
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-The Hilton Aspire, Marriott Bonvoy Brilliant & Chase Ritz Carlton are unquestionably the Best Hotel Cards that are packed with the most amount of value, and if you are like me, you are most likely just going to get one of them.
So, that is going to make it very important to understand which of these Hotel Cards is best and which is going to work best for you in your own travel situation. In this video, I am going to compare all 3 of these Luxury Hotel Cards, and give a full breakdown. I’ll discuss the annual fees, elevated statuses, free night awards & ultimately which of these Cards is going to give the most amount of value for most people.
However, make sure you stick around till the end of the video, because after getting multiple Hotel Cards over the past couple years, I plan to add one of these Hotel Cards in the next year or so, and my pick for which High-Tier Hotel Credit Card that I’ll most likely add, might surprise you.
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Timestamps:
0:00-0:51 What To Expect
0:51-3:29 Annual Fees & Major Credits
3:29-4:30 Elevated Statuses
4:30-7:49 Free Night Awards
7:49-8:52 Additional Benefits
8:52-9:51 Which Of These Hotel Credit Cards Is BEST?
9:51-12:43 Which Hotel Card I’d Pick
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Please keep in mind that this video is for entertainment purposes only & is not to be used for financial advice. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Which Hotel Credit Card would you go with? Let me know down below👇
🎥Next, watch this video on 5 Reasons You NEED Hilton Credit Cards: th-cam.com/video/tzLLlGoIiHI/w-d-xo.html
Get the boundless. Then wait 24 months to get the Brilliant. If there's a sign-up bonus/requirement for the Brilliant, meet it. Then, product change the Boundless for Ritz.
(Get Hilton, too -- so long as you don't oversubscribed your Chase 5/24 rules.)
That would be an ELITE Hotel Card Strategy for sure- especially if you have loyalty to Marriott! Thanks so much for watching!
This is what I'm trying to do hoping that the RC stays around for another 18 months! Then again, I may get antsy to have that RC the wallet in 6 months.
great strategy learnt! thanks for sharing!
Thanks so much for watching!
Love me some hotel card videos! Welcome to the Ritz Gang! I agree that’s it’s the easiest and most justifiable out of the premium hotel cards and I like that it’s the cheapest. I’ll be product changing my boundless later this year!
Let's goo nice Cody! Yeah I'll be following in your footsteps with that product change. So easy to get value from the Ritz Card. Thanks for watching!
Awesome breakdown Matt, I think that these are all great cards but I'll likely prioritize getting the Ritz Carlton too for exactly the reasons you mentioned.
Absolutely! Thanks so much for watching Monty! The Ritz Card is awesome!
thank you for all the information very helpful. I knew you were going to pick the Ritz card because it does make the most sense especially with being a visa card but i also agree for most that hilton aspire just for having top status makes it worth it
Absolutely! The Ritz Card is super easy to get positive value but the Aspire is still super valuable as well. Thanks so much for watching Zack!
I already knew the answer based on your previous videos! I remember you applying for the RC and how you mentioned youre going to product change
Haha yes absolutely! Thanks for being a supporter of the channel David!
Great video as always Matt. The Ritz seems to be the best overall card and can be even your main travel card. Aspire is the best hotel card, however. Personally am going to get the IHG Premier soon. Has a great international presence, and the points are spread out.
Thank you so much, really appreciate your support as always! I agree- the Hilton Aspire is probably going to provide the most amount of value especially if you stay at luxury hotels often.. But the Ritz Card could be a bit more flexible and easier to manage each year. Nice! The IHG Premier is solid and great international presence especially in Asia! I actually might scoop up the IHG Premier Business before the elevated offer ends on 5/15.
Great video Matt. I am currently working the Hilton ladder. Started with the business card a few months ago (from your link) and just activated the Honors card today. Marroit would have been my chocie if I didn't stay at Hilton 1 night a week for work.
Thanks so much Dean! Awesome that you are getting started on the Hilton Ladder! Totally makes sense for why you'd prioritize Hilton if you are staying there frequently for work. Pays to have elevated status with the brands you stay at the most, and going through the cycle of Hilton Welcome Offers & Upgrade Bonuses will take you far! Thanks for your support as always!
The Ritz Carlton card is one of my favorite cards, and it’s going to be awesome when you get it as well. Calling into RC to apply the statement credit has been super simple, and like you said, the credit is still annual! Great video Matt!
Thanks so much Stan! Yeah I'm super pumped to start the clock on the product change strategy to the Ritz when I can get the bonus on the Bonvoy Boundless next year. I love the Ritz as well and how easy & simple it is to get positive value.
Stan, have you used the Club level upgrade certificates? I was wondering how easy (or difficult) is to use it on pay reservations? I will get my Ritz Carlton card in August.
@@Leoprieto74 Hey Leo! Yes, I applied it to an upcoming reservation. I called into Marriott and had them book the room over the phone and had them apply certificate. It’s not too complicated, but i didn’t find a method to do it online!
@@TheCreditFrogThanks brother 👍
I have the Hilton Aspire, Hilton Surpass, Chase Marriott Boundless, and Choice Privileges Select, all which had great SUBs but are also great keeper cards on their own assuming you travel enough during the year. I'm on the fence on product changing to the Ritz Carlton card but have some time to make that decision since need to hold the Boundless for a full year first
Nice that's awesome! It sounds like you have a ton of diversity in your hotel points and exposure to different hotel programs which is awesome in terms of different options you'll have for trips. The Bonvoy Boundless is great by itself but having the option to product change to the Ritz Card makes it even better. Thanks so much for watching!
On a side note the customer service on the Ritz is chefs kiss. Call in, immediate human. No silly automated menus or being on hold. Also the travel credit you can do via secure message.
The Bonvoy Brilliant is the clearly “worse value” of the bunch but if you can’t get platinum status via spending 75k on the RC card or stays this is the way I suppose.
Nice! Yeah I don't have the Ritz Card yet but I've heard great things about the customer service options there. Speaking directly to a human is awesome for trying some workarounds for triggering the Credit haha. But yeah agreed, the Bonvoy Brilliant is probably the inferior Card out of these 3, unless you highly value Bonvoy Platinum. Thanks for watching!
This was a really good comparison Matt! I'd luv to get the RC card, if only it got me Platinum status. I'm sticking with the Brilliant for now. Hoping the RC gets an update and comes back on market.
Thank you so much! Totally makes sense to stick with the Brilliant if elevated Marriott Status is what is most important to you. The Ritz Card is a great secondary option as well!
Platinum Status with Ritz card would be 🏆🏆🏆
Ritz will go public again. don’t think Chase/marriott can give it plat or higher. But could give it 2x 50k (85k??) annual certs to make shine.
None of these cards are for me. However, you do a great job on TH-cam ❤
Thanks so much Vicki!
I figured you’d go with the Ritz, it’s an awesome value for the AF, even though I don’t really travel that often it would be my pick for the free night redemption
Absolutely! Lowest Annual Fee, still get that 85k Marriott Free Night Credit & that Travel Credit as well. Most seamless way to quickly offset the fee and not too much work to do so. Thanks so much for watching Dalton!
can the $300 RITZ airline credit be used to purchase an actual ticket?
Currently have all 3 of them and the benefits are wonderful! Being an active duty military as well lets me utilize every premium card with no annual fee! 🎉
Nice!! & Thank you for your service Juan! Nothing beats getting those premium cards at a $0 fee haha. Having all 3 is clutch for having the flexibility across different hotel loyalty programs as well. Thanks so much for watching!
Bruh. U can give me all the credit cards in the world for free, I’m not going back to army. 🤣
@@newagain9964 😂
@@newagain9964 im in the air force so i guess totally different lifestyles hahaha
oh yeah. Night and day diff. I was next door to AF base, used to go there for extra length lunch times. Among other things🙋♀️. lol. I tell youth join AF or coast guard only.
I am stuck between the RC and Brilliant! I go to Vegas a lot for events and Platinum status would sure help when you status match to MGM properties. i definitely do not like the fees associated with it, but now you have me leaning to the RC more!
Gotcha- yeah if status is what is most important to you with Marriott especially for those Vegas status matches, then definitely understand why you'd go with the Bonvoy Brilliant. I personally love the RC just because you still get exposure to the Marriott ecosystem, but it's a much simpler card to get positive value from by just using the Free Night Award & Credit each year. Thanks for your support as always Dirk!
@@MattWelterOfficial thank you Matt! You are great and keep up the amazing work!
@@dirk_dirk_goose Thanks so much!
🥇the Ritz card is one I pull out of my wallet regularly whenever I book anything airfare related.
Look forward to seeing you get it in 2025 !
Great video 🎉 🎥
Thanks so much Key! Yes, so pumped to start the clock toward the Ritz Card!
I’ve heard secure messaging works well on the ritz airline credit
Great point! Thank you!
While I agree the 85k “free night” award with Marriott is valuable I still feel like I have to cherry pick the hotel unlike the Aspire. As a real world example, I live near Charleston, SC and picked a weekend I want to go in May, I looked at Marriott and there are a few hotels that are not allowing rooms to be booked on points and there are others in the 150-160k point per night range which makes the most valuable component of the Marriott cards a lot less valuable.
That's fair and thanks so much for bringing that up Ryan. The uncapped certificate with the Hilton Aspire is still absolutely the best. Thanks for watching!
Honestly (imo) 2 nice trips a year more than justifies having all 3. I’d even argue that running all 3 plus an additional Aspire would be worth it.
That's a great point Brad! Yeah that would be an insanely powerful setup with flexibility & options across different ecosystems. Especially if you like to stay in luxury, having multiple Free Night Awards, elevated statuses, Credits, etc. is not bad at all! Thanks for watching!
The hilton coupon book style credit is a joke to people like me who do not travel every quarter
Honestly bro. IHG premier is likely best hotel card/best ROI. And I like how IHG lets u decide (and pay) if u truly value luxury stays. Rather than foisting program costs on EVERYONE, like Marriott,Hilton.
And IHG is basically everywhere.
And DC is ur fav US city? Weird. 😂✌️
In my experience, Marriott has had better visibility & options in South America than IHG- and the IHG Premier is a great card for sure, but not sure how it even would compare to a card like the Hilton Aspire. Haha I love D.C it has everything! Thanks for watching!
Can you do the same battle royal for $95 af hotel cards? I never need a fancy place to stay, i just see hotels as places where i sleep for 6 hours (vegas), pay for an 18 hr/ day room (maybe 90 minutes awake total in said room), and have bedbug paranoia. And i have to shower at nite, theres never hot water at a hotel up to 5 hours before checkout no matter how fancy. Thats just plumbing math between showers and toilets at 9:00 am
Thanks so much for watching! And totally understand that. I actually did just make a video a couple weeks ago, going over the Best "Affordable" Hotel Cards, a bunch of Cards in that $95 range. That would be a great video for you to check out!
The Brilliant is the best imo. Haven't product changed to the
Ritz yet even though I am eligible. I am waiting to get the bonus on the Brilliant first; next year.
After experiencing the benefits from player 2 having the Brilliant; I have no desire to experience my own award or paid nights without it. I am very displeased that Ritz and Reserve got rid of the airport restaurant credits. 😢
Definitely fair! The Bonvoy Brilliant is probably the best hotel card if you are a Marriott loyalist!
I thought that I read that you can get the bonus with the Boundless, even if you got the Marriott Business. I might be wrong.
Aspire is still top dog to me.Thanks Matt
Oh wow that's interesting! I thought I'd still be locked out of Marriott bonuses for 24 months, but that's definitely something I should look into more, I'd love to get another bonus haha. Yeah the Aspire still wins out for most people for sure. Thanks for your support Sledge!
@MattWelterOfficial Yeah, look into it. I could be completely wrong but I think I read it somewhere
@MattWelterOfficial according to the Points Guy, it looks like we're shut out of the Chase cards for 24mts, but can get the sub on the Amex cards?? Hahahaha
@@SledgeIncTeam Dang haha that's so weird but makes sense 😂
The Hilton Aspire is by far the best hotel card👑 but the other 2 inferior hotel cards can provide good value for some. Thanks for the info, keep the great work Matt!🫵
Agree with you Cesar! The Aspire definitely gives the most value to the most amount of people. Thanks for your support as always!
💯
@@MattWelterOfficialI would only get aspire if I have multiple overseas trips planned in a year. Then cancel.
You do not need to call to have the Ritz credit applied you can Secure Message
Gotcha sounds good, thanks for letting me know!
That property looks bad ass in Kenya
Yeah it looks incredible! Definitely bucket list!
You can’t use a free night certification for the JW Marriott Maasai Mara… the lowest redemption is usually 106k
Fax. The best hotels and even above avg ones during peak (and not even during peak) can’t get with 85k. and that’s why I don’t mess with any card with certs.
I saw a redemption option when I searched for 98k points. So you'd be able to book with a Free Night Cert + 13k points as the Top-off feature. Thanks for watching!
I hate that junk dining credit on the Brilliant. Bonvoy Platinum is great though because I love guaranteed late checkout. So much better than the “probably never” late checkout Hilton gives you. Maybe Chase will reintroduce the RC card again with matching status and a proper annual hotel credit.
Haha yeah I can definitely understand the disdain for yet another Amex Monthly statement Credit. Guaranteed Late Check Out is great for extending trips & Bonvoy Plat is awesome. Thanks for watching!
Can’t really call it junk. Credits work at anything that codes as restaurant. Amex gold dinning credits are junk.
@@newagain9964 It’s junk for three reasons: it’s monthly and therefore more likely to be missed, you overspend more to meet monthly credits than annual ones, and it takes dining spending away from much more valuable cards for earning points on such spending. 3x MP has less than half the value of 4x MR or 3x UR. All this, of course, is the point of the exercise. Marriott can’t have been happy about this change either, because that’s a lot of money Amex diverted away from them. If a good premium Chase Bonvoy card becomes available again I’d bet it happened in part because Amex burned Marriott.
@@newagain9964 Yeah the Bonvoy Brilliant Credit is definitely better than the Amex Gold Credit for sure- thanks for watching!
I’m working towards 6 Aspire cards between me and my wife.
Wow that's big time!! You are in line for some awesome & luxurious future Hilton Resort stays for sure! Thanks for watching!
How can I use a credit card to pay taxes and fee and a different one to pay the ticket?
Typically you wouldn't be able to. YOu'd just use points to cover the flight and use a Card to cover the Taxes & Fees. Thanks for watching!
@@MattWelterOfficial Thank you man.
@@junboo8730 Of course! Appreciate your support!
I'm positioning myself to get the RC card but it wont officially happen until around 2026 😢
I knowwww haha that's the only downside with the Ritz Card is it's definitely a waiting game for that Product Change Process. Thanks so much for watching Chase!
🥇AMEX Hilton Aspire 🥈CHASE Ritz Carlton 🥉CHASE World of Hyatt Thanks for the info + video.
I definitely think the Hilton Aspire is going to give the most amount of value to the most amount of people for sure. Thanks so much for watching Jimmy!
Wyndham business has brought a lot of value for Vegas trips
Nice!! I love to hear that! The Wyndham Business card is legit for status matching!
I’m not a loyalist of any brand but it’s hard not to choose Hilton over Marriott for how terrible their prices and especially points rates are on everything other than the top end, never mind how poorly earning their cards are
Yeah that's totally fair. I think it would be hard to argue with the Hilton Aspire being the #1 Hotel Card in general as well. Thanks for watching!
Welcome to the matrix, the multiverse is open.
Why are all of these people commenting before me?
👀Haha I love all the comments, but here is your honorary 👑as the Top Commenter
1st.
😊
🥇Thanks for your support as always!
Waldorf Astoria in Beverly Hills is more expensive
That property would be perfect for maximizing the Hilton FNC haha! Thanks for watching!
@@MattWelterOfficialI am going there in October bro and using a FNC!! I’ll keep you updated my guy hope to meet you one day
@@L_____E_______IT That's awesome!! Enjoy yourself! Yes absolutely, potentially at a future Credit Card YT meet-up!
IHG Premium still beats these cards.
The IHG Premier is definitely valuable and I like the 4th night free benefit, but I don't think it comes very close to matching the value on these 3 high-end hotel Cards. Thank you for watching though!
@@MattWelterOfficial - That's going to depend on whether you are using a hotel chain for an extended international stay or for a brief domestic trip. The Hilton Aspire is better for the latter and IHG is more useful for the former. Right now the Aspire fits my lifestyle better.
@@danielturner8798 Fair point. Thanks Daniel!