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Experience luxury destinations using your credit card points. AI-powered recommendations across 8,000+ hotels — world-class resorts without the world-class price.

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Points Programs

Loyalty Programs

Understand each hotel loyalty program's strengths, pricing model, and sweet spots. Pick the right program for your travel style.

Accor Live Limitless (ALL) loyalty program — best hotel redemptions

Accor Live Limitless (ALL)

Fixed

2.3¢

Median CPP

5,800+

Properties

  • Mercure Nice Promenade des Anglais Hotel
  • Sofitel Paris Arc de Triomphe
  • Mercure Tokyu Stay Osaka Namba
View Program
Hilton Honors loyalty program — best hotel redemptions

Hilton Honors

Dynamic

0.4¢

Median CPP

9,000+

Properties

  • Can Ferrereta, an SLH Hotel
  • Raiwasa Private Resort, an SLH Hotel
  • Hilton Garden Inn Mexico City Polanco
View Program
World of Hyatt loyalty program — best hotel redemptions

World of Hyatt

Fixed

1.9¢

Median CPP

1,450+

Properties

  • Hyatt Regency Cape Town
  • Hyatt Centric Levent Istanbul
  • Hyatt Place Fair Lawn/Paramus
View Program
IHG One Rewards loyalty program — best hotel redemptions

IHG One Rewards

Dynamic

0.6¢

Median CPP

6,600+

Properties

  • Crowne Plaza Istanbul - Harbiye
  • InterContinental Buenos Aires
  • InterContinental Cartagena de Indias
View Program
Marriott Bonvoy loyalty program — best hotel redemptions

Marriott Bonvoy

Dynamic

0.7¢

Median CPP

9,800+

Properties

  • Courtyard by Marriott Toluca Tollocan
  • The Westin Bora Bora Resort & Spa
  • JW Marriott Cannes
View Program
Wyndham Rewards loyalty program — best hotel redemptions

Wyndham Rewards

Fixed

0.8¢

Median CPP

8,300+

Properties

  • La Quinta by Wyndham Istanbul Gunesli
  • TRYP by Wyndham Istanbul Basin Ekspres
  • Howard Johnson by Wyndham North Bergen
View Program

Side-by-Side Comparison

Every major feature compared across all six programs.

Feature
A
Accor
H
Hilton
H
Hyatt
I
IHG
M
Marriott
W
Wyndham
Pricing ModelFixed (1,000 pts = €20)DynamicFixed (Cat 1-8)DynamicDynamicFixed (3 tiers)
CPP Valuation2.3¢/pt0.4¢/pt1.9¢/pt0.6¢/pt0.7¢/pt0.8¢/pt
Properties5,800+9,000+1,450+6,600+9,800+8,300+
5th Night FreeNoYesNo4th night (select)YesNo
Points Expiration12 months inactivity24 months inactivity24 months inactivity12 months inactivity24 months inactivity4 years earned / 18 mo inactivity
Chase UR TransferNoNo1:11:11:11:1
Amex MR TransferNo1:2NoNo1:1No
Citi TYP Transfer2:1NoNoNoNo1:1
Capital One Transfer2:1NoNo1:1No1:1
Bilt Points Transfer3:21:11:11:11:11:1
Free Night CertsBuy One Get One FreeALL CategoryUp to Cat 4Up to 40k pointsUp to 80k pointsUp to Cat 3
Best ForEurope & Asia luxuryBonus point maximizersLuxury value seekersValue-conscious explorersGlobal travelersAmericas & all-inclusive

CPP valuations based on our own median redemption data across destinations. Transfer ratios shown as credit card currency to hotel points.

Which program is best for your next trip?

Travy analyzes your points balances and travel goals to recommend the optimal program and transfer strategy.

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