Rewards Programs

How to use hotel birthday bonuses and credit card perks


If you have a birthday coming up, you’re eligible for countless hotel and travel perks. If you have a co-branded credit card or are part of a hotel loyalty program, you can save even more.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

Upcoming birthday? While it might pain you to see that extra candle on the cake, there is one silver lining: you’re eligible for countless hotel and travel perks just for ringing in another year.

Many companies – particularly those in the travel industry – offer freebies on special occasions, and birthdays top that list. From free nights to bonus points to discounted rates, there’s no shortage of offerings you can take advantage of on your special day.

If you have certain co-branded credit cards or are a member of a hotel loyalty program, you might stand to gain even more.

What you need to know about hotel credit cards and loyalty programs

Hotel credit cards and loyalty programs can deliver numerous benefits throughout the year. Perks such as late checkout, free upgrades, bonus points toward rooms and travel and trip protection can often mean the difference between a good trip and an extraordinary one.

And while many of these programs also go the extra mile to celebrate special occasions (your membership anniversary date, your birthday, a wedding anniversary, etc.), membership isn’t always necessary to get the perks. Many of them are discretionary rewards, meaning the concierge or hotel manager can offer them at-will, as they see fit.

How to access birthday and special occasion benefits

So, how do you take advantage of these birthday and special occasion perks, especially if you’re not a program member or there’s no specific perk advertised?

First, you’ll want to talk to the hotel at booking. If you’re booking the hotel online, include something in the notes section about celebrating your birthday, anniversary or other special occasion. If you’re booking by phone, mention it to the agent in conversation. They might be able to upgrade your room or make a note to include freebies (food, drink vouchers, etc.) right then and there.

You can also email or call the hotel a few days before your trip to let them know of your special occasion (or remind them, if you already included it at booking). While you’re on the phone, consider booking a reservation at the property’s spa or restaurant. This shows them that you plan to spend money during your stay and gives them a little extra impetus to help you out.

If you’re a loyalty member or have a co-branded hotel credit card, mention it – and use it for your booking. These programs often come with upgraded rooms and other perks, even if it’s not your birthday. Plus, when you use a co-branded card for your booking, you often earn 10 times the loyalty points or more – meaning additional discounted travel.

Many co-branded credit cards automatically qualify you for a hotel loyalty program, and some even come with high-status membership. You can have a hotel card from one chain and be a loyalty member of dozens of others. Each program and card offers unique benefits, so the best bet for your situation really depends on a few factors:

  • Where you travel most and what hotels are available there
  • What sort of perks you’re looking for (discounts, free rooms, discounts to shows/events)
  • How much you’re willing to pay annually, and how much you’ll use the perks

Keep in mind that some hotel chains are affiliated with other properties or may be subsidiaries of each other. By going with a card or loyalty program from a larger umbrella organization (Marriott or Hilton, for example), you typically get to enjoy benefits and points across all properties under their umbrella. That means more travel potential across the board.

Know what’s available

Though some rewards are discretionary, a lot of them are advertised, so make sure you do your research. What are you entitled to as a co-branded card holder, loyalty program member or just a hotel guest with a birthday on the horizon? Check the fine print of your card, log into your rewards program portal and call up the hotel directly. What are they able to offer?

With Marriott’s Rewards program, for example, you get one free night during your birthday month (just make sure to add your birthday to your Rewards member profile.) At IHG hotels, which include Holiday Inn and Candlewood Suites, you get 1,000 points on your birthday if you’re a member of the IHG Rewards Club. You’ll want to keep these on your radar as your birthday approaches so you can take full advantage.

You can also use the chart below for some guidance. Notice that some of the rewards and discounts aren’t automatic. You might need to make a certain amount of purchases (or purchases at specific businesses or types of businesses) in order to qualify, or you may need to hit a date (your birthday, cardmember anniversary, etc.) before you’re eligible.

Senior discounts and perks

Sometimes, it’s not your exact birthday that brings in the perks, but your age. A number of hotels offer senior discounts, which typically fall around 10 percent off the going room rate. Marriott hotels are among the higher discounted chains, offering 15 percent off for senior citizens.

Keep in mind that hotels vary in what they consider a “senior.” At some properties, it’s as young as 50 (Red Roof Inn, for example), while others require guests be 62 to enjoy the discounted senior rate. You also may need an official AARP membership in order to qualify at some properties.

Rather than celebrate member birthdays, the Starwood Preferred Guest (SPG) program – which covers all Starwood, Marriott, Sheraton and Westin hotels – has a unique perk that lets guests pay their birth year for every second or third night. The catch is you’ll need to pay full price for the first night upfront, and it’s non-refundable. After that, you’ll get the discounted rate for the following night. For example, if you were born in 1980, your rate would be $80. If it’s 1950, you’ll pay just $50 that second night.

Other discount options

If you’re not a member of a loyalty program, don’t have any branded cards and can’t find a hotel that offers birthday perks where you’re headed, you still have other options.

For one, you can use airline miles toward hotel stays. If you’re a member of a frequent flier program, you’ll likely be able to use your balance to pay for nights at certain hotel locations. Log into your frequent flier account to see what rewards you’re eligible to use miles for (and what your balance is.)

Before you book anything, make sure to head to the hotel’s website or, better yet, call the front desk. Make sure the number of miles you’re redeeming is worth the going rate. If you’re giving up 30,000 miles for a $150-per-night rate, it’s likely not saving you any cash – and you could probably make better use of those miles.

You can also use a points-earning credit card to pay for your hotel stay. Many cards, such as the Chase Sapphire Preferred Card, let you earn 2 points for every dollar you spend on travel. You can then redeem those points to purchase flights, hotels and a long list of other products and services. You may even get extra points for using it at certain chains and companies.

Promotions and bonuses

Below is a list of the most popular co-branded hotel credit cards on the market. You can also check with your bank or credit union to see if they offer any co-branded travel cards you can take advantage of.

HotelCo-branded credit cardBenefitsBonus points
HiltonHilton Honors American Express Surpass® Card
  • Free cardmember anniversary night
  • Hilton Honors Gold status
  • Free weekend night after spending $15,000
  • No foreign transaction fees
  • 130,000 points and free weekend night reward after spending $4,000 within first 4 months of card membership
  • 12x points per dollar spent at Hilton hotels and resorts
  • 6x points for purchases at U.S. restaurants, U.S. supermarkets and U.S. gas stations
  • 3x points on other eligible purchases
Hilton Honors Aspire Card from American Express
  • Free cardmember anniversary night
  • Hilton Honors Diamond status
  • Free weekend night after spending $15,000
  • $250 in Hilton credits
  • $250 airline credit
  • $100 off two-night stays at Hilton hotels and resorts
  • 14x points per dollar spent at Hilton hotels and resorts
  • 7x points on travel, car rentals and U.S. restaurants
  • 3x points on other eligible purchases
HyattWorld of Hyatt Credit Card
  • Free cardmember anniversary night
  • Discoverist status in World of Hyatt program
  • Second free night after spending $15,000
  • Earn up to 50,000 points – 25,000 points after $3,000 in purchases in the first three months from account opening
  • Additional 25,000 points after you spend $6,000 within the first six months of account opening
  • 9x points per dollar spent at Hyatt properties – 4x points per dollar when you use your card at Hyatt hotels and 5 base points per dollar as a World of Hyatt member
  • 2x points for dining, travel and gym memberships
IHGIHG Rewards Club Premier Credit Card
  • Free cardmember anniversary night
  • 1,000 point birthday gift
  • 80,000 points after spending $2,000 in first three months
  • 25 points per dollar on IHG hotel stays (10 points per dollar from the card and 15 points per dollar as an IHG Rewards Club member)
  • 2 points per dollar on gas station, grocery store and restaurant purchases
  • 1 point per dollar on other purchases
MarriottMarriott Rewards Premier Plus Credit Card
  • Free cardmember anniversary night
  • Free premium in-room Wi-Fi
  • Free night in birthday month
  • 75,000 points after spending $3,000 in first three months
  • 1 free night award (valued up to 35,000 points) after spending $3,000 in the first three months of account opening
  • 6x points per dollar spent at participating SPG and Marriott Rewards hotels
  • 2x points on other eligible purchases
RadissonRadisson Rewards Premier Signature Visa Card
  • Free cardmember anniversary night
  • One free night for every $10,000 spent
  • Radisson Rewards elite status
  • 10x points at Radisson properties
  • 5x points on other eligible purchases
  • 50,000 points after first purchase
  • 35,000 points after spending $2,500
  • 40,000 points for annual renewal
StarwoodStarwood Preferred Guest® American Express
  • Free cardmember anniversary night
  • Silver Elite Status in Starwood Preferred Guest program
  • Premium in-room internet access
  • Priority late check-out
  • Pay your age special
  • 100,000 points after spending $5,000 in first three months (ends Oct. 31, 2018)
  • 6x points per dollar spend at SPG and Marriott hotels
  • 2x points on other eligible purchases

As for loyalty programs, your options run the gamut. Here are some of the more popular ones on the market:

  • Le club Accor (Accor Hotels, offers priority check-in, room upgrades, late checkout)
  • Best Western Rewards (Best Western, offers recognition gifts, room upgrades)
  • Total Rewards (Caesar’s, offers discounted meals, presale access to shows/concerts, resort credits)
  • Choice Privileges (Comfort Inn, offers late checkout, free Wi-Fi, free nights)
  • President’s Club (Fairmont, offers free Wi-Fi, spa discounts)
  • Hilton Honors (Hilton, offers express checkout, rate discounts)
  • Gold Passport (Hyatt, offers free nights, room upgrades, late checkout)
  • IHG Rewards Club (InterContinental, offers free nights, birthday points, complimentary newspapers, late checkout)
  • Marriott Rewards** (Marriott, offers free nights, room upgrades, lounge access)
  • M Life (MGM Resorts, offers discounted rooms, priority check-ins, room upgrades)
  • Omni Select Guest (Omni Hotels, offers free Wi-Fi, free ironing, free coffee delivery)
  • Ritz Carlton Rewards** (Ritz Carlton, offers travel credits, room upgrades, late checkout)
  • Starwood** (Starwood, offers free nights, pay-your-age rates, room upgrades)


**The Marriott, SPG and Ritz-Carlton rewards programs are merging on Aug. 18, 2018. If you’re counting on reaping any birthday rewards from their co-branded cards or their individual rewards programs, make sure to double check on how the unification affects your available perks or Elite status.

The bottom line – Read the fine print

Before you sign up for any reward programs or co-branded cards, make sure you know what you’re responsible for as a member. Many hotel cards require an annual fee (some as high as $450 per year), so do the calculations and make sure you can afford it and will use the card enough to reap the benefits.

Finally, when it comes to cashing in on birthday rewards, perks and bonuses, remember that many of them are discretionary. The businesses don’t have to provide them, so abide by the honor system (don’t lie and say it’s your birthday when it’s not) and be polite and respectful when talking to hotel concierges and staff.

No guest is entitled to perks unless they’re specifically laid out in their credit card or loyalty program’s fine print.


Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

What’s up next?

In Rewards Programs

Fall travel: Expert tips for planning the perfect getaway

Summer’s coming to an end and you haven’t gotten away yet? Fret not. You can find better deals if you travel in the fall — and your credit cards can help.

See more stories
Credit Card Rate Report
Cash Back

Questions or comments?

Contact us

Editorial corrections policies

Learn more