What Credit Stays is

Credit Stays finds the cheapest luxury hotels you can book with your card’s travel credits. It maps and ranks every hotel in Chase Edit, Amex FHR, Bilt HAFH, Chase Renowned, Capital One Premier, and Citi Reserve by the cheapest upcoming stay — priced at each program’s own booking minimum, so a program with no minimum is shown per night and a credit-gated one is shown as a two-night total — with a per-hotel price calendar for picking dates.

It’s an independent, one-person project. It is not affiliated with, endorsed by, or sponsored by JPMorgan Chase, American Express, Bilt Rewards, Capital One, Citigroup, or any hotel — it just reads their public program lists and shows you where the cheap stays are.

Where the prices come from

Nightly prices are meta-search estimates (TripAdvisor via Xotelo). We keep Booking.com’s rate for each night — it sits at rate parity with hotels’ own direct prices — and fall back to the hotel’s brand-direct channel when Booking.com has no quote. Nights quoted only by discount resellers are treated as unavailable rather than shown at a teaser price. Prices refresh daily; they are estimates for spotting cheap dates, not the program rate — always confirm in Chase Travel, Amex Travel, Bilt, Capital One Travel, or Citi Travel via the booking link on each hotel’s page.

Get in touch

Spotted a wrong price, a dead link, or a program change we missed? See the guides for how the programs work, or open an issue via the contact address in the privacy page.