Do You Earn Hotel Points and Credit Card Points on the Same Stay?
This guide explains the separate earning streams on a hotel stay and how to stack them.
Two earning streams on one stay
Book and pay for a hotel stay as a loyalty member and you earn hotel points from the program for the stay, based on what you spend and your status. Separately, the credit card you pay with earns its own points or miles on the charge, at your travel bonus or base rate. These come from different programs, your hotel account and your card, so you collect both, the hotel version of earning on a flight.
Stacking even more
You can add layers. Using the hotel’s co-branded card earns bonus hotel points on the stay on top of the base earning, and booking through a hotel or card shopping portal can pay extra points or cash back too. Between hotel points, card rewards, a co-brand bonus, and a portal, one stay can earn from several sources at once.
The exception: award nights
This stacking is for paid stays. If you redeem points for a free award night, you generally do not earn hotel points on it, since you did not pay a qualifying rate, though incidentals you charge to a card still earn card rewards. So paid stays are where the multi-program earning pays off.
Stop guessing at point values. Look up the real award price and live availability for a specific trip before you transfer.
Search award stays on rooms.aero →- A paid stay earns hotel loyalty points for staying.
- It separately earns credit card rewards for paying.
- A co-branded hotel card earns extra hotel points.
- A shopping portal can add another earning layer.
- This applies to paid stays, not award nights.
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