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The best credit card for resorts in Puerto Rico.

Updated

Why this card

Marriott Bonvoy Brilliant American Express Card for resorts in Puerto Rico.

Puerto Rico has the St Regis Bahia Beach (Marriott), Ritz-Carlton Reserve Dorado Beach, and the El Conquistador (Marriott Autograph). Hyatt has Hyatt Regency Grand Reserve and Hyatt Place San Juan. Hilton has the Caribe Hilton in San Juan.

Annual fee

$650

Best earn rate

6 points per dollar at Marriotts, Platinum status, 85,000-point free night certificate annually

Signup bonus

Currently around 150,000 points after tiered spend, see issuer for the current offer

St Regis Bahia Beach prices around 95,000 to 110,000 points a night against $900 to $1,400 cash and the 85K free night cert covers a shoulder season night cleanly. Platinum status at the St Regis gets you butler service, suite upgrades when available, and breakfast for two. The Ritz-Carlton Reserve Dorado Beach (the only Reserve property in the Caribbean) is on FHR but Platinum status helps with on-property dining credits. Single high-season trip justifies the fee.

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If the top pick is not right

Alternative: World of Hyatt Credit Card.

Hyatt Regency Grand Reserve in Rio Grande is a lower-cost on-points option at around 25,000 points a night against $400 to $600 cash. Anniversary free night covers it cleanly. The cheapest doorway for a points-funded Puerto Rico trip.

ChaseAnnual fee $95

At a glance

Side by side.

SpecMarriott Bonvoy Brilliant American Express CardWorld of Hyatt Credit Card
Annual fee$650$95
Best earn rate6 points per dollar at Marriotts, Platinum status, 85,000-point free night certificate annuallySee alternative section above
Signup bonusCurrently around 150,000 points after tiered spend, see issuer for the current offerVaries by month

Local tip

What to know before you book.

Puerto Rico is US territory so no passport is needed for US travelers and your phone works on the regular carrier with no roaming charges. Hurricane season (June through November, peak August to October) means trip insurance matters. Use a card with built-in trip cancellation coverage rather than buying separate insurance.

Questions

Frequently asked.

What is the best credit card for resorts in Puerto Rico?

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Marriott Bonvoy Brilliant American Express Card from American Express. St Regis Bahia Beach prices around 95,000 to 110,000 points a night against $900 to $1,400 cash and the 85K free night cert covers a shoulder season night cl... Annual fee is $650.

How many points do you need for a free night in Puerto Rico?

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Roughly 95,000 points per night at the recommended chain for Puerto Rico. Cash rate is around $580 per night, so the points stay is a meaningful discount versus paying cash.

Is the World of Hyatt Credit Card a better choice for resorts in Puerto Rico?

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Hyatt Regency Grand Reserve in Rio Grande is a lower-cost on-points option at around 25,000 points a night against $400 to $600 cash. Anniversary free night covers it cleanly. The cheapest doorway for a points-funded Puerto Rico trip. Annual fee is $95.