7
Benefits5
Reward Categories3x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: aloft-hotels-credit-card
Issuer: BreadFinance
Card Name: Aloft Hotels Credit Card
Card Type: Credit
Network: Visa
Card Tier: Signature
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
The issuer provides information on the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA). Federal law protects members of the Armed Forces and their dependents, capping the cost of consumer credit at an annual percentage rate of 36% (MAPR). Servicemembers with account questions are directed to contact the issuer.
Rewards Program (Detailed) 5 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Hotels | 3x | Points | Eligible purchases at participating Marriott Bonvoy hotels. | No Cap | |
| Gas | 2x | Points | Eligible purchases at gas stations. | No Cap | |
| Dining | 2x | Points | Eligible purchases at restaurants. | No Cap | |
| Home Furnishings | 2x | Points | Eligible purchases at home furnishings stores. | No Cap | |
| All Other Purchases | 1x | Points | All other eligible purchases. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 7 Total
PENDINGRewards 3
New Cardmember Bonus Points
75,000 Marriott Bonvoy bonus pointsEarn 75,000 bonus Marriott Bonvoy points after spending $3,000 on eligible purchases within the first 3 months of account opening.
Accelerated Points Earning at Marriott Bonvoy Hotels
6 points per $1Earn 6 Marriott Bonvoy points for every $1 spent on eligible purchases at participating Marriott Bonvoy hotels worldwide.
Standard Points Earning on Everyday Purchases
2 points per $1Earn 2 Marriott Bonvoy points for every $1 spent on all other eligible purchases.
Status Benefits 2
Automatic Marriott Bonvoy Silver Elite Status
Marriott Bonvoy Silver Elite StatusReceive automatic Marriott Bonvoy Silver Elite status as a cardmember, which includes benefits such as 10% bonus points on stays and priority late checkout (subject to availability).
Annual Elite Night Credits
15 Elite Night Credits annuallyReceive 15 Elite Night Credits annually towards achieving higher Marriott Bonvoy Elite status.
Travel 2
Annual Free Night Award
One Free Night Award (up to 35,000 points)Receive one Free Night Award each year after your account anniversary, valid for a one-night stay at participating Marriott Bonvoy hotels with a redemption value of up to 35,000 points.
No Foreign Transaction Fees
0% foreign transaction feeAvoid additional fees on purchases made outside of the United States, saving money on international travel.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Hotel Status: Marriott Bonvoy Silver Elite
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Earn 60,000 Aloft Rewards points after spending $3,000 on eligible purchases within the first 3 months of account opening. Eligibility requirements include: applicant must be 18 years or older (21 in some states), a U.S. resident, possess a good to excellent credit score (typically FICO 670+), and not have filed for bankruptcy in the last 7 years. Additionally, applicants cannot have opened more than 2 BreadFinance credit cards in the past 24 months. Store-specific restrictions apply to bonus point eligibility and redemption, particularly for gift card purchases, third-party bookings, or non-Aloft branded hotel stays within the Marriott portfolio.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: The sign-up bonus is not available if you have received a sign-up bonus for any Aloft-branded credit card from BreadFinance in the past 24 months, or if you currently hold more than one Aloft-branded credit card. This rule applies across all tiers of Aloft co-branded cards issued by BreadFinance.
Special Events: Annual 'Aloft Rewards Member Appreciation Week' (typically in Q3) offering bonus points on stays, special discounts on hotel amenities, and exclusive access to Aloft events. Periodic 'Flash Sales' for point redemptions at select Aloft properties.
Holiday Promos: Black Friday/Cyber Monday (late November), Winter Holiday Season (December 1-31), Summer Travel Season (June 1 - August 31), and Valentine's Day (February 1-14).
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Great for earning Marriott Bonvoy points on Aloft stays, useful for loyal guests, offers hotel benefits like free night awards and status perks.
Top Negative:
High APR, limited value for non-Marriott spending, customer service can be slow, points value can fluctuate, annual fee may not be worth it for infrequent travelers.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Marriott Bonvoy Boundless Credit Card
- Chase Sapphire Preferred Card
- Capital One VentureOne Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $250.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: February 2024