
Resort pool at sunset

Earn 95,000 bonus points after spending $6,000 in purchases in the first 6 months
Marriott Bonvoy is, by a wide margin, the largest hotel loyalty program on earth — roughly 9,700 properties across about 40 brands, from budget-friendly Fairfield Inn to ultra-luxury St. Regis and Ritz-Carlton. That scale is both the program’s strength and its main criticism: with so many properties, average value per point tends to run lower than at smaller, more curated programs like Hyatt.
Bonvoy prices award stays across an 8-category chart with off-peak, standard, and peak pricing depending on the property and date — meaning the same room can cost meaningfully different points depending on when you book.
This is Bonvoy’s single best built-in perk: book any award stay of 5 or more consecutive nights and the fifth night is entirely free — an automatic 20% discount on the total points cost. It requires no elite status and no co-brand card, just member enrollment (which is free), making it one of the most accessible high-value benefits in the hotel points world.
Bonvoy’s enormous footprint means there’s almost always a redemption option wherever you’re traveling — the trade-off is doing the math per-stay, since off-peak/peak pricing and category placement vary widely. Stack the fifth-night-free benefit onto any stay of five nights or more, and the math tips meaningfully in your favor.

Marriott Bonvoy Brilliant American Express
Earn 95,000 bonus points after spending $6,000 in purchases in the first 6 months
$650 annual fee
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Gurnish Sahni, founder of Credit Miles Guru, is a software engineer by profession and a passionate points strategist by heart. When he's not coding, he's crafting luxury travel itineraries using reward points to fly his family—especially his 5-year-old daughter—in business and first-class cabins around the globe. With a knack for smart spending and a love for unforgettable journeys, Gurnish shares tips on unlocking premium travel experiences without breaking the bank.