Aloft Hotels Credit Card
Basic Information
Program ID: aloft-hotels-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 15:14
Last Scraped: 01/15/2026 15:16
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $10,000.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 1-2 billing cycles after meeting the spending requirement.
Rewards Program
Reward Type: Marriott Bonvoy Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 6.00%
Bonus Categories: 6x Marriott Bonvoy Hotels, 2x Dining, 2x Gas Stations, 1x All Other Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is active and points activity occurs at least once every 24 months.
Transfer Partners: Marriott Bonvoy Hotels (primary redemption), 40+ airline partners (e.g., American Airlines, United, Delta, British Airways, Emirates) at 3:1 ratio.
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Applicants must be 18 years or older, a US resident, and possess a good to excellent credit history. Eligibility for the sign-up bonus (e.g., 50,000 Marriott Bonvoy points after spending $3,000 in the first 3 months of account opening) is restricted to new cardmembers who have not received a bonus for any BreadFinance-issued Aloft or Marriott co-branded credit card in the past 24 months. Standard credit approval, income verification, and identity checks are required for application.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, bust-out fraud, rapid application for multiple credit products (app-o-rama), high cumulative credit limit across BreadFinance products, defaulting on payments, suspicious spending patterns, exceeding credit limits, repeated balance transfers to new cards without repayment, and non-compliance with terms of service.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Users appreciate the valuable Marriott Bonvoy points earned, especially for stays at Aloft and other Marriott properties, and the welcome bonus for new cardholders.
Top Negative Feedback:
Common complaints include high interest rates, occasional issues with customer service, and limited benefits for non-Marriott spending.
Approval Experience Score: 72.0 / 100
Recommended Alternatives
- Chase Marriott Bonvoy Boundless Card
- Hilton Honors American Express Surpass Card
- Chase Sapphire Preferred Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $400.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 60% General / 40% Brand-Specific Travel
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: ALOFTPT_0623