As of November 10, 2026, four co-branded hotel credit cards are reported to carry limited-time welcome offers: the Hilton Honors American Express Surpass Card, the Marriott Bonvoy Boundless Credit Card, the World of Hyatt Credit Card and the IHG One Rewards Premier Credit Card. This guide compares the reported terms of these hotel card welcome offers side by side, shows which deadline matters first and explains how to decide whether any of them fits your travel.
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Hotel card welcome offers compared side by side
Each of these offers asks for a minimum purchase total within a set window, and the reward differs in kind: Hilton and Marriott lead with points, Hyatt leads with free nights, and IHG leads with a large points total. The table below lays out the reported terms. Because the offers are described as limited-time, treat every figure as reported and confirm the current terms on the issuer's application page before you apply.
| Card | Reported welcome offer | Spend requirement | Reported end |
|---|---|---|---|
| Hilton Honors American Express Surpass Card | 130,000 points plus a Free Night Reward | $3,000 within six months | 01/13/2027 |
| Marriott Bonvoy Boundless Credit Card | 200,000 points plus up to $100 in airline credits | $3,000 within three months | Wednesday, Nov. 11 |
| World of Hyatt Credit Card | Four free nights at Category 1-4 hotels | $5,000 within three months | Not stated |
| IHG One Rewards Premier Credit Card | 180,000 points (launch offer) | $3,000 within three months | Described as limited-time |
Marriott Boundless: the 200,000-point offer ends first
The Marriott Bonvoy Boundless Credit Card is reported to offer 200,000 points after $3,000 in purchases within three months of opening the account, plus up to $100 in statement credits on purchases made directly with airlines. The airline credit is reported to be paid as two $50 credits. This is the offer with the shortest runway: it is reported to end on Wednesday, Nov. 11, which is tomorrow relative to today's date. If a Marriott stay is on your calendar, this is the one to evaluate first.
Points are flexible compared with fixed certificates, because you choose how to split them across stays rather than redeeming a single award. That flexibility is the main argument for the points-based offer, but it only helps if you will actually stay at properties that accept the points. Before applying, look at where you travel and whether Marriott properties are priced reasonably there.
Hilton Surpass: a Free Night Reward plus 130,000 points
The Hilton Honors American Express Surpass Card is reported to offer 130,000 bonus points plus a Free Night Reward after $3,000 in purchases within the first six months of Card Membership, with the offer reported to end 01/13/2027. The longer six-month window is worth noting if you want to spread the spending over time. Of the four offers, this one gives the most time to decide and to meet the requirement.
A free night reward is easiest to value when you know where you would use it. The reported terms in the source material do not spell out every restriction, so read the issuer's terms for how and when the certificate can be redeemed before counting it as part of the value.
Hyatt and IHG: free nights versus a large points total
The World of Hyatt Credit Card is reported to offer four free nights at any Category 1-4 Hyatt hotel or resort after $5,000 in purchases in the first three months from account opening. The reward is capped at the lower hotel categories, which suits travelers who stay in those categories and can reach the higher spending requirement without changing their budget.
The IHG One Rewards Premier Credit Card is reported to carry a launch offer of 180,000 bonus points after $3,000 in purchases within the first three months from account opening. That is a large points total with a spending requirement equal to the Hilton and Marriott offers, although the Hilton window is twice as long.
How to decide which hotel card offer to pursue
Start with the hotel brand you already use, because a welcome offer is only valuable if you will redeem it. Next, check the spending requirement against what you would normally spend in the window; a bonus is not a good deal if you must buy things you would otherwise skip. Finally, compare deadlines: the Marriott offer is reported to end first, the Hilton offer runs into January, and the Hyatt and IHG offers were described as limited-time without a date in the reported terms.
If you are choosing between a points offer and a free-night offer, estimate a realistic redemption for each. Points can be stretched across more stays, while free nights are fixed and usually tied to a category or a specific reward rule. Neither is automatically better, and the right answer depends on where and how often you travel.