There are numerous eventualities wherein utilizing money for a lodge keep simply makes extra sense than redeeming factors.
The truth is, there are a lot of properties all over the world that don’t actually have a loyalty program within the first place. These embody unbiased properties, boutique lodges, cottages, and trip houses.
In these conditions, it’s good to know that you just don’t at all times need to pay full worth. There are methods to economize and even snag some additional perks, typically at no additional price.
Redeem Mounted-Worth Factors Currencies
Even in the event you can’t redeem lodge loyalty factors straight for a lodge keep, that doesn’t imply you’re caught paying completely out of pocket.
It is because most bank card applications problem factors that may be redeemed towards journey bills at a set worth, which may also help offset the price of your keep.
Certainly, nearly all banks in Canada have the choice to redeem factors for journey purchases–or on the very least, as assertion credit that may assist offset the price of your journey bills.
Nevertheless, it’s vital to understand that redeeming factors this manner may not at all times supply the very best worth.
With transferable factors currencies, equivalent to American Categorical Membership Rewards and RBC Avion you’ll be able to typically get higher worth by transferring your factors to airline or lodge companions and strategically redeeming them, moderately than by redeeming them for assertion credit.
Alternatively, with applications equivalent to TD Rewards, BMO Rewards, CIBC Aventura, Scene+, and Nationwide Financial institution À la carte Rewards, redeeming your factors towards lodge stays or different journey bills may simply be the very best, most beneficial use of these factors.
American Categorical Membership Rewards
Usually talking, you’ll get probably the most worth out of your American Categorical Membership Rewards (MR) factors by transferring them to a partnered loyalty program, equivalent to Air Canada Aeroplan, The British Airways Membership, or Marriott Bonvoy, to call a couple of.
Nevertheless, in the event you’re trying to ebook a lodge keep that may’t in any other case be booked with factors straight, you should utilize a bank card that earns American Categorical MR factors to pay for the lodge, and you’ll then use your factors steadiness to cowl the fee.
You possibly can redeem MR factors towards any buy made on the cardboard at a price of 1 cent per level (all figures in CAD). Which means in the event you paid $200 for a lodge room, you’ll be able to redeem 20,000 MR factors for a $200 assertion credit score to cowl the price of that keep.
What’s extra, American Categorical sometimes has focused promotions, via which you could possibly redeem your MR factors for assertion credit at a price as excessive as 1.5 cents per level.
In these conditions, the worth you get from redeeming factors creeps larger, and even approaches the worth you may get with switch companions. If any of those promotions come up, it’s value contemplating the way you may be capable of profit, until you’ve a greater instant use on your factors.
American Categorical Platinum Card
- Earn 80,000 MR factors upon spending $10,000 within the first three months
- Plus, earn 30,000 MR factors upon making a purchase order in months 15–17 as a cardholder
- Earn 2x MR factors on all eating and journey purchases
- Obtain an annual $200 journey credit score
- Obtain an annual $200 eating credit score
- Switch MR factors to Aeroplan, The British Airways Membership, Flying Blue, and different frequent flyer applications for premium flights
- Limitless airport lounge entry for you and one visitor at Precedence Move, Plaza Premium, Centurion, and different lounges
- Credit and rebates for each day bills all year long with Amex Gives
- Bonus MR factors for referring household and associates
- Annual payment: $799
American Categorical Membership Rewards Credit score Playing cards
| Credit score Card | Finest Provide | Worth | |
|---|---|---|---|
130,000 MR factors $799 annual payment |
130,000 MR factors | $1,794 |
Apply Now |
70,000 MR factors $250 annual payment |
70,000 MR factors | $1,676 |
Apply Now |
110,000 MR factors $799 annual payment |
110,000 MR factors | $1,581 |
Apply Now |
40,000 MR factors $199 annual payment |
40,000 MR factors | $846 |
Apply Now |
15,000 MR factors $156 annual payment |
15,000 MR factors | $372 |
Apply Now |
10,000 MR factors $0 annual payment |
10,000 MR factors | $242 |
Apply Now |
$99 annual payment $99 annual payment |
$99 annual payment | $0 |
Apply Now |
RBC Avion
Much like American Categorical Membership Rewards, you’ll are likely to get probably the most worth out of your RBC Avion factors by transferring them out to airline companions, equivalent to The British Airways Membership, Cathay Pacific Asia Miles, WestJet Rewards, or American Airways AAdvantage.
Whereas RBC additionally lets you redeem your Avion factors for an announcement credit score, the redemption price is 17,200 factors = $100, or 0.58 cents per level, which isn’t essentially deal, and must be prevented.
As an alternative, if you wish to use your RBC Avion factors to offset the price of a lodge keep at a greater price, you’ll be able to ebook your keep via the RBC Rewards journey portal.
By means of the journey portal, you’ll be capable of redeem Avion factors at 1 cent per level, or 20,000 Avion factors = $200.
Nevertheless, understand that this redemption price is unique to Avion Elite factors, which can be found provided that you maintain an eligible Avion card.
When selecting this selection, you’ll simply need to evaluate the value of the keep as seen on RBC’s journey portal to different reserving choices to ensure you’re being supplied an analogous price.
Generally, reserving straight with lodges and different journey distributors leads to higher pricing.
RBC® Avion Visa Infinite†
- Earn 35,000 Avion factors upon approval^
- Earn extra 20,000 Avion factors upon spending $5,000 within the first six months^
- Earn 1.25x Avion factors on qualifying journey purchases
- Switch Avion factors to British Airways Government Membership and different frequent flyer applications for premium flights†
- Redeem Avion factors for flights with the RBC Air Journey Redemption Schedule†
- Minimal revenue: $60,000 private or $100,000 family
- Annual payment: $120
- Supplementary card payment: $50
| Credit score Card | Finest Provide | Worth | |
|---|---|---|---|
55,000 Avion factors^ $120 annual payment |
55,000 Avion factors^ | $1,080 |
Apply Now |
55,000 RBC Avion factors^ $120 annual payment |
55,000 RBC Avion factors^ | $1,080 |
Apply Now |
As much as 70,000 RBC Avion factors† $399 annual payment |
As much as 70,000 RBC Avion factors† | $826 |
Apply Now |
35,000 RBC Avion factors $175 annual payment |
35,000 RBC Avion factors | $700 |
Apply Now |
35,000 RBC Avion factors $120 annual payment |
35,000 RBC Avion factors | $580 |
Apply Now |
Scotiabank Scene+
Scotiabank’s Scene+ factors can be utilized to offset any journey you’ve beforehand bought along with your Scene+ bank card at a price of 1 cent per level, or 20,000 factors for a $200 lodge keep.
The perfect half? You’re free to ebook straight with any vendor, and redeem your factors on the highest doable worth.
This implies you’ll be able to store round for the very best worth, benefit from cashback portals like Rakuten for additional financial savings, or ebook straight with lodges to earn elite qualifying nights towards standing. Then, you’ll be able to offset the fee afterward by redeeming your Scene+ factors.
Scotiabank can also be dwelling to Canada’s finest bank cards with no overseas transaction charges, which signifies that you’ll lower your expenses when travelling and nonetheless be capable of offset the fee utilizing your factors.
Scotiabank Gold American Categorical® Card
- Earn 30,000 Scene+ factors upon spending $2,000 within the first three months
- Plus, earn an extra 20,000 Scene+ factors upon spending $7,500 within the first yr
- Earn 6x Scene+ factors at Sobeys, IGA, Safeway, FreshCo, and extra
- Plus, earn 5x Scene+ factors on groceries, eating, and leisure
- Additionally, earn 3x Scene+ factors on fuel, transit, and choose streaming providers
- Redeem factors for an announcement credit score for any journey expense
- No overseas transaction charges
- Benefit from the unique advantages of being an American Categorical cardholder
- Annual payment: $120 (waived for the primary yr)
Scotiabank Scene+ Credit score Playing cards
| Credit score Card | Finest Provide | Worth | |
|---|---|---|---|
50,000 Scene+ factors First Yr Free |
50,000 Scene+ factors | $575 |
Apply Now |
80,000 Scene+ factors $399 annual payment |
80,000 Scene+ factors | $261 |
Apply Now |
45,000 Scene+ factors $150 annual payment |
45,000 Scene+ factors | $220 |
Apply Now |
40,000 Scene+ factors $199 annual payment |
40,000 Scene+ factors | $176 |
Apply Now |
5,000 Scene+ factors $0 annual payment |
5,000 Scene+ factors | $60 |
Apply Now |
TD Rewards
TD Rewards lets you redeem factors for journey via Expedia for TD or journey booked by yourself.
Should you ebook a lodge keep via the Expedia for TD on-line portal, you’ll get a price of 0.5 cents per level, or 40,000 TD Rewards factors to cowl $200 lodge keep.
Nevertheless, in the event you ebook a lodge keep by yourself along with your TD Rewards bank card, you’ll have the choice to redeem your TD Rewards factors at a barely decrease price of 0.44 cents per level by way of the Pay Off Purchases characteristic. In different phrases, you’ll want 50,000 TD Rewards factors to cowl a $220 lodge keep.
So long as you’re getting the identical worth for a similar product, it’s best to endeavour to redeem your factors via the Expedia for TD portal, since doing so leads to the very best worth.
TD First Class Journey® Visa Infinite* Card
- Earn 20,000 TD Rewards Factors upon making your first buy†
- Earn 145,000 TD Rewards Factors upon spending $7,500 inside 180 days of account opening†
- Plus, earn a Birthday Bonus of as much as 10,000 TD Rewards Factors†
- Plus, earn 8x TD Rewards Factors† on eligible journey purchases if you ebook via Expedia® for TD†
- Get an annual TD Journey Credit score† of $100 if you ebook via Expedia® for TD†
- Use your rewards for any journey bookings out there on Expedia® for TD†
- 4 complimentary lounge visits via the Visa Airport Companion Program†
- Minimal revenue: $60,000 private or $100,000 family
- Annual payment: $139, rebated for the primary yr†
- Provide efficient as of September 4, 2025†
CIBC Aventura
Much like TD, the CIBC Aventura program additionally lets you redeem Aventura Factors towards journey bills, or to redeem factors via CIBC’s in-house journey company, at completely different charges.
By redeeming Aventura factors via the journey company, you’ll get a set worth of 1 cent per level, or 20,000 Aventura factors for a $200 lodge keep.
Alternatively, you’ll be able to ebook a lodge with via any platform you select, then redeem Aventura factors additionally at a price of 1 cent per level towards that journey buy.
Nevertheless, in contrast to Scene+ factors—which offer you as much as 12 months to use factors towards a journey buy—Aventura factors should be redeemed whereas the cost remains to be pending.
So, make sure you’ve sufficient factors able to cowl the price of your journey buy if you make the reserving.
CIBC Aventura® Visa Infinite* Card
- Earn 15,000 CIBC Aventura Factors after making your first buy†
- Earn 30,000 CIBC Aventura Factors after spending $3,000 within the first 4 month-to-month assertion durations†
- Earn 2x CIBC Aventura Factors on all purchases via the CIBC Rewards Centre†
- Earn 1.5x CIBC Aventura Factors on eligible fuel, groceries, EV charging, and drugstore purchases†
- 4 complimentary lounge visits per yr with the Visa Airport Companion Program†
- NEXUS utility payment rebate of as much as $200 (CAD)†
- 12-month Skip+ free trial and different unique advantages if you hyperlink your CIBC Aventura® Visa Infinite* Card with Skip†
- Minimal revenue: $60,000 private or $100,000 family†
- Annual payment: $139 (rebated for the primary yr)†
CIBC Aventura Credit score Playing cards
| Credit score Card | Finest Provide | Worth | |
|---|---|---|---|
As much as 70,000 CIBC Aventura Factors First Yr Free |
As much as 70,000 CIBC Aventura Factors | $1,050 |
Apply Now |
45,000 CIBC Aventura Factors† First Yr Free |
45,000 CIBC Aventura Factors† | $480 |
Apply Now |
45,000 CIBC Aventura Factors† First Yr Free |
45,000 CIBC Aventura Factors† | $480 |
Apply Now |
As much as 80,000 CIBC Aventura Factors $499 annual payment |
As much as 80,000 CIBC Aventura Factors | $276 |
Apply Now |
10,000 CIBC Aventura Factors† $0 annual payment |
10,000 CIBC Aventura Factors† | $99 |
Apply Now |
BMO Rewards
With BMO Rewards, you’ll get a worth of precisely 0.67 cents per level, whether or not you redeem your factors towards your individual lodge reserving charged to your BMO bank card, otherwise you redeem for a reserving made via BMO’s in-house journey company.
With both route, it’ll price you 29,850 BMO Rewards factors to cowl a $200 lodge keep.
If you need to select between the 2, it’s finest to ebook straight with lodges, because you might be able to get pleasure from additional advantages via your elite standing or by reserving via a most well-liked accomplice program.
The Finest Methods to E-book Unbiased Motels on Factors
Nationwide Financial institution À la carte Rewards
As with the opposite applications we’ve talked about, Nationwide Financial institution’s À la carte Rewards may also be used to cowl journey bills. When redeeming factors via Nationwide Financial institution’s on-line journey portal, you’ll get a worth of 1 cent per level, which means you’ll be able to redeem 20,000 factors for a $200 lodge keep.
If you wish to redeem À la carte Rewards factors towards your individual lodge reserving, redeeming fewer than 55,000 factors will get you 0.83 cents per level, and redeeming greater than 55,000 factors will get you 0.92 cents per level.
Based mostly on these charges, you’ll want 24,096 À la carte Rewards factors to cowl your $200 lodge keep.
Nationwide Financial institution® World Elite® Mastercard®
- Earn 5,000 À la carte Rewards factors after enrolling bank card fee insurance coverage†
- Earn 10,000 À la carte Rewards factors upon spending $5,000 within the first three months†
- Earn 10,000 À la carte Rewards factors upon spending $10,000 within the first six months†
- Earn 20,000 À la carte Rewards factors upon spending $15,000 within the first 12 months†
- Plus, Earn 5x À la carte Rewards factors on grocery and restaurant spend†
- Get journey insurance coverage on award journey, in addition to medical protection on longer journeys for ages as much as 75†
- Obtain $150 in annual credit for airport parking, baggage charges, seat choice charges, lounge entry, and airline ticket upgrades†
- Minimal revenue: $80,000 private or $150,000 family
- Annual payment: $150
Nationwide Financial institution World Elite Mastercard
Use Journey Credit
One other means you can save in your lodge prices if you’re reserving a money keep is through the use of journey credit score supplied as a perk on choose bank cards to offset the ultimate worth.
There are a selection of playing cards that provide annual credit that can be utilized to ebook your subsequent lodge keep. These playing cards, and their related credit, embody the next:
Credit score Playing cards with Journey Credit
| Credit score Card | Finest Provide | Worth | |
|---|---|---|---|
|
130,000 MR factors $799 annual payment |
130,000 MR factors | $1,794 |
Apply Now |
|
70,000 MR factors $250 annual payment |
70,000 MR factors | $1,676 |
Apply Now |
|
110,000 MR factors $799 annual payment |
110,000 MR factors | $1,581 |
Apply Now |
As much as 165,000 TD Rewards Factors† First Yr Free |
As much as 165,000 TD Rewards Factors† | $900 |
Apply Now |
As much as 60,000 BMO Rewards factors First Yr Free |
As much as 60,000 BMO Rewards factors | $370 |
Apply Now |
|
As much as 80,000 CIBC Aventura Factors $499 annual payment |
As much as 80,000 CIBC Aventura Factors | $276 |
Apply Now |
As much as 120,000 BMO Rewards factors $599 annual payment |
As much as 120,000 BMO Rewards factors | $0 |
Apply Now |
Of the above credit, some are pretty versatile, whereas others require that you just leap via a hoop or two. Which means among the credit let you redeem towards any lodge expense, whereas others require that you just ebook via sure journey portals linked with the cardboard issuer.
E-book with Most popular Accomplice Packages
Just about each main lodge model, whether or not they have a loyalty program or not, has what’s known as a most well-liked accomplice program.
Most popular accomplice applications supply a choice of advantages to offer an elevated expertise throughout your keep, that are much like these loved by visitors with elite standing.
It’s value noting that with a purpose to ebook a lodge via a most well-liked accomplice program, you do must ebook via a journey advisor, and it’s not doable to ebook by yourself.
E-book Luxurious Motels with Prince Assortment
Whereas the precise perks differ by program and by property, the advantages that may be accessed via bookings utilizing most well-liked accomplice applications sometimes embody the next:
- Day by day breakfast for 2
- $100 (USD) lodge credit score
- Welcome amenity
- Room improve (topic to availability)
- Early check-in and/or late check-out (topic to availability)
- Further property-specific promotions
Notably, the fee to entry and luxuriate in these advantages is the similar worth you’d pay in the event you booked with the lodge straight at the very best versatile price.
So, in the event you’re going to pay for a lodge with money as a substitute of factors, it’s nearly at all times in your finest curiosity to ebook via most well-liked accomplice applications to get pleasure from additional advantages at no extra price.
And because you’re charged straight by the lodge, you’ll nonetheless be capable of offset the entire price of your keep through the use of fixed-value factors from playing cards listed above, and also you’ll get pleasure from any advantages related along with your elite standing.
E-book with American Categorical Fantastic Motels + Resorts
In case you have an American Categorical Platinum Card or a Enterprise Platinum Card from American Categorical, you’ve entry to the American Categorical Fantastic Motels + Resorts (FHR) program.
By means of the FHR program, you’ll be able to ebook luxurious lodges and luxuriate in among the similar advantages as you’ll in the event you booked via a most well-liked accomplice program.
Nevertheless, not all luxurious lodges can be found to be booked via the FHR program, and for these which are, it could be higher to ebook via the lodge’s personal most well-liked accomplice program, as it would supply higher advantages.
In any case, it’s value evaluating the out there advantages and prices via all reserving choices to make sure you’re getting the very best mixture doable.
And in the event you’d like to make use of your MR factors to offset the price of your keep, you’ll be able to select to take action when you’ve been charged.
Leverage Amex Gives
American Categorical has frequent promotions known as Amex Gives which are accessible to present American Categorical cardholders.
Usually talking, you’ll must register for a proposal, and then you definitely’ll obtain an announcement credit score for fulfilling a minimal spending requirement at an eligible vendor.
The kinds of affords that you just’ll discover differ tremendously and alter on a regular basis. Nevertheless, lodge promotions are pretty widespread, with some promotions specializing in a selected lodge model, and others providing perks for spending finished via Amex Journey.
Some examples of previous Amex Gives embody:
So long as you meet the minimal spending threshold to set off the assertion credit score, Amex Gives primarily supply a significant low cost on lodge stays.
Relying on the Amex Provide’s phrases and circumstances, you can even doubtlessly stack the supply with elevated advantages from a most well-liked accomplice program. And if you want, you can even use Amex MR factors to offset the price of the keep.
For instance, let’s suppose you registered for the Spend $500, Get $100 at Canadian Marriott lodges Amex Provide.
You then make an eligible $500 reserving at, say, the St. Regis Toronto, by way of Marriott STARS. By means of the popular accomplice program, you’ll get free breakfast for 2, a $100 (CAD) property credit score to make use of throughout your keep, precedence for room upgrades, and extra.
Because you’re charged straight by the lodge, you’d wind up with a $100 assertion credit score after your keep from the Amex Provide, which made the efficient price simply $400. Then, you could possibly use MR factors to additional offset the price of the keep, which might carry the entire price down even additional, even perhaps to $0.
Every time there’s an Amex Provide for lodges, it’s actually value seeing in the event you can stack any extra perks or affords to get extra for much less.
Finest Fee Ensures
Lastly, in the event you’re ever reserving a lodge with money, and particularly in case you are looking for the most cost effective price doable, it’s best to know that the majority main applications supply finest price ensures.
With finest price ensures, most lodges will worth match your room charges in the event you occur to discover a higher eligible price elsewhere. Not solely will they match the speed, however you’ll typically obtain an additional low cost or a present of factors, relying on which lodge chain you’re staying with.
Each lodge that has a finest price assure coverage with completely different phrases and circumstances, so be certain that to learn up on these variations earlier than you make your subsequent reserving.
Conclusion
Should you aren’t planning on redeeming factors for a lodge keep, or in the event you’d prefer to ebook a lodge that may’t be booked with factors from a loyalty program, there’s nonetheless a variety of methods you’ll be able to squeeze worth out of your subsequent journey.
This may be finished by leveraging fixed-value factors currencies from bank cards, making the most of any journey credit you might have as a card profit, getting probably the most out of a luxurious lodge keep via most well-liked accomplice applications, or via promotions that come up.
Earlier than you ebook your subsequent lodge stick with money, you should definitely plan forward, as you’ll seemingly discover a couple of methods to optimize your keep.
