How to Maximize Your Credit Card Rewards Points for Dining at Hotels

by joeheg

I always strive to make the most out of every dollar I spend, especially when it comes to earning rewards points. While I do enjoy supporting local businesses, that’s not always possible. During a recent trip to Vero Beach, FL, Sharon and I met up with some friends and decided to treat ourselves to dinner at the Kimpton Vero Beach.

I figured if I paid for the check with my IHG Premier card, I might earn 10X points for expenses at IHG hotels. It turns out that paying for the bill at a restaurant doesn’t count as spending at an IHG hotel.

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During our dinner, I received only 2x IHG points, which is the same amount I would earn at any other restaurant. Although, I was not bothered about it as I was using the card to earn a significant sign-up bonus. However, if I had intentionally chosen to earn 2x IHG points instead of 3x Ultimate Rewards points, I would be a bit disappointed with my miscalculation.

If you are staying at the hotel, a good strategy for dining at its restaurant is to charge your meal to your room and pay for it during check-out. This way, the expense will be added to your hotel bill rather than appearing as a separate charge from the restaurant.

You will earn bonus points as the charge will show as part of the cost of your hotel stay, and you may also earn points in the hotel’s loyalty program for the expense.

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