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Advertiser Disclosure
Advertiser Disclosure

Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products.

Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers, including American Express, see our disclosure page.

Stash Hotel Rewards® Visa® Card: Should You Get It?

88
"A great card for anyone who doesn’t mind the limited number of places you can use Stash Points at -- just 150 hotels nationwide, as of writing this review."

Contents

The Stash Hotel Rewards Visa is an excellent hotel credit card for those individuals who stay in boutique hotels, and like to avoid big chains. For those already familiar with the Stash Rewards program, this card provides a lot of great ways to earn additional reward points through everyday spending -- especially from dining and gas purchases.

Good For…Bad For…
  • Those who spend big on gas, dining, and hotels
  • Individuals looking for a flexible rewards program
  • Use abroad, due to not having an FX fee
  • Anyone spending less than $10,000 per year on dining, gas, and hotel stays

Review: Is The Stash Hotel Rewards® Visa® Card Worth It?

The Stash Hotel Rewards® Visa® Card is a pretty good card that rewards people for shopping at hotels, restaurants, and gas stations. The card’s rewards program, Stash, is designed for boutique hotels -- ones that are not tied to one of the giant hotel conglomerates. Therefore, while this card offers very high rewards rates on the aforementioned categories, it should be noted that they can only be used towards stays at the 150 participating hotels across the nation. While this number is growing, it’s nowhere near as large as big chain hotels. Hilton, for example, has a portfolio of over 4,660 properties worldwide. If you don’t like the constraints this puts you in, we recommend going with a general travel credit card or a hotel credit card belonging to a bigger brand.

If you don’t spend more than $10,000 per year on categories where this card earns you two points per dollar or more, we recommend going with a no annual fee card. Otherwise, the $85 per year you’ll be paying will cost you more than you'll get through rewards. For example, if you spend $8,000 in a single year, you can earn approximately $228.80 in rewards, assuming a 2.86% rewards rate. If you subtract out the $85, that comes out to a net $143.80. On the other hand, if you were to charge those same purchases to the Citi® Double Cash Card - 18 month BT offer, you could be walking away with $160.

The other feature worth noting is the fact that this card has no foreign transaction fee. Most credit cards will charge you a 3% fee when used outside of the United States. If you want to use a credit card when traveling abroad, the Stash Hotel Rewards® Visa® Card is a good choice. Most of the Stash Rewards hotels, however, are located in the United States.

Bottom Line: If you already like the Stash Rewards program and you're someone who spends a lot on gas and dining, the Stash Hotel Rewards Visa credit card is a very good option. However, unless you spend more than $10,000 annually on your credit card, you won’t come out ahead of the $85 fee. If that’s the case, it’s better to go with a card with that has fixed 2% cash back rewards and no annual fee.

Stash Hotel Rewards® Visa® Card Benefits & Features

The Stash Hotel Rewards® Visa® Card is all about earning you extra reward points. You get three points per dollar whenever you use the card to book stays with Stash Hotel Reward partners. These points are earned on top of the base rewards you’d earn for staying with the hotels in the first place. You can also get two points per dollar on all other hotel, dining and gas purchases. Every other transaction that doesn’t fall under one of the aforementioned categories earns a net one point per dollar.

Every time you redeem your points you will also receive a 10% points dividend. For example, if you were to redeem 20,000 points, you would get 2,000 back in your account. That works out to what we think of this as a 10% discount on the price of bookings (when using points to pay).

This reward structure results in rewards rate of anywhere between 1.43% and 4.29%. If most of your spending skews towards dining, gas, and hotel stays your rewards rate is likely to be above average 2%, which is quite generous.

Annual Fee $0 Intro Annual Fee for the first year then $85
Purchase APR 16.24%
Card Details
  • 3 points per dollar at Stash Hotels
  • 2 points per dollar all other hotels, dining and gas
  • 1 point per dollar on all other purchases

If you can make $1,500 in purchases within the first 90 days of opening your account, you will receive an additional 10,000 bonus points. We estimate the value of this bonus to be roughly $130. This bonus is unlikely to cover the entire price of a booking, as most cost 15,000 points or more.

The Stash Hotel Rewards credit card comes with an $85 annual fee that’s waived during the first year. Therefore, you will need to spend a certain amount of money and earn enough rewards to make paying this worth it. As a rule of thumb, if you spend less than $10,000 per year on gas, dining, or hotels, the Stash Hotel Rewards Visa card is probably not worth the fee.

What’s The Value of Stash Rewards Points?

We value each Stash Reward point at roughly $0.013. Redemptions on the program are not fixed, and therefore the value you get out of your points will vary. The only exception to this appears to be at rooms in the same hotel. For example, you will be getting the same value per point whether you book a queen or king bed at the Vintage Villas Hotel.

To obtain the above average we sampled a number of itineraries, across different dates and locations throughout the United States. We took the price for each booking and divided it by its corresponding price in Stash points. The table below shows a few examples of this process.

HotelPrice USDStash PointsPoints Per Dollar
Park South Hotel (New York, NY) $223 25,892 0.009
Genesee Grande Hotel (Syracuse, NY) $161 8,091 0.020
Hotel Felix (Chicago, IL) $229 16,130 0.014
The Inn at Union Square Parlor Suite (San Francisco, CA) $479 33,466 0.014
Vintage Villas Hotel & Events (Austin, TX) $229 19,419 0.012

How Does The Stash Rewards Visa Credit Card Compare To Other Options?

The only way to get a sense of a card’s value is by understanding how it stacks up against other available choices. We compared the Stash Hotel Rewards credit card to some other leading options, to give you a better idea where the card excels and where it flops. 

Stash Hotel Rewards® Visa® Card vs Starwood Preferred Guest® Credit Card from American Express

TheStarwood Preferred Guest® Credit Card from American Express is one of our favorite hotel and travel credit cards. Though it’s co-branded with the Starwood hotel chain, the points you earn through this card are not tied to just free nights. You can transfer Starpoints to more than 30 different frequent flyer programs, most at a 1:1 ratio. From a reward flexibility standpoint, the Starwood Preferred Guest® Credit Card from American Express wins over the Stash Hotel Rewards credit card. From a pure value perspective, things look a little different. If you spend heavily on hotels, dining and gas, you are likely to walk away with a higher net reward from using the Stash Hotel Rewards® Visa® Card. When it comes to all other spending, the 2.4% rate of the Starwood card will be supreme.

Stash Hotel Rewards® Visa® Card vs Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the best credit cards available to consumers, especially those who spend heavily on dining and travel. Though it’s rewards rate isn’t as high as what you get with the Stash Rewards Hotel card, the card makes up for it through a great rewards program. The Chase Sapphire Preferred® Card is part of the Ultimate Rewards (UR) family of cards. These points can be used to book travel through the UR portal, cash back, statement credit against previous card purchases, or even transferred to a number of different airline and hotel partners. If you don’t like the idea of having your points locked up in one reward programs, you may be better off opting for a card like the Chase Sapphire Preferred® Card

Stash Hotel Rewards® Visa® Card vs Citi® Double Cash Card - 18 month BT offer

The Citi® Double Cash Card - 18 month BT offer is not affiliated with one particular hotel or airline. Instead, the card provides cash back rewards on all purchases. If you simply save these rewards up, and cash them out once you want to book a vacation, you can think of a reward program like this as being equivalent to one based on points or miles, except you are given much more freedom. The Citi® Double Cash Card - 18 month BT offer gives a fixed 1% back on everything you buy, and then another 1% when you pay charges off. Another feature worth noting is the fact this card doesn’t have any annual fee. Therefore, if you spend less than $10,000 each year, you will come out ahead by using this card, instead of the Stash Rewards Credit Card.

How Does The Stash Hotel Rewards® Visa® Card Compare Based On How You Spend?

When trying to figure out a card's value, it’s important to consider your spending habits. Since some cards are more rewarding, for example, on gas or grocery purchases, so it’s a good idea to optimize your selection. The tool below will help you see how the Stash Rewards Credit Card compares based on those parameters. Simply enter your estimated monthly spending by category, and our tool will give you our estimates for each card’s value.

Edit Monthly Spend: $1,430
General:
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Groceries:
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Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the Rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Bonus Value

The bonus field shows our estimate for the value of the card’s sign-up bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards Value is calculated by adding together the rewards earned from charging purchases to the card over two years and any sign-up bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Starwood Preferred Guest® Credit Card from American Express
$0 Intro Annual Fee for the first year then $95 3.69%
$600
Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months
$1,329
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0 Intro Annual Fee for the first year then $95
APR 16.24% - 20.24% Variable

Card Details

  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Terms apply.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.024 = $824
Bonuses
25,000 x $0.024 = $600
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,329
Chase Sapphire Preferred® Card
Introductory Annual Fee of $0 the first year, then $95 2.86%
$625
50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening
$1,028
Graph Card Read Review More Details
Annual Fee Introductory Annual Fee of $0 the first year, then $95
APR 16.99% - 23.99% Variable

Card Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.013 = $498
Bonuses
50,000 x $0.013 = $625
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,028
Stash Hotel Rewards® Visa® Card
$0 Intro Annual Fee for the first year then $85 1.74%
$130
Earn 10,000 Stash points towards free stays at one-of-a-kind hotels when you make $1,500 in purchases on your Stash Visa Card within 90 days of opening your account
$625
Graph Card Read Review More Details
Annual Fee $0 Intro Annual Fee for the first year then $85
APR 16.24%

Card Details

  • 3 points per dollar at Stash Hotels
  • 2 points per dollar all other hotels, dining and gas
  • 1 point per dollar on all other purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 44,640 x $0.013 = $580
Bonuses
10,000 x $0.013 = $130
Less Annual Fees -$85
Total Net Estimated Rewards Through 24 Months 625

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.