Frequent Miler on the Air · Wednesday, September 16, 2026
Hosts Greg and Nick discuss the importance of timing when applying for hotel credit cards that offer annual free night certificates. They highlight that the timing of certificate issuance relative to application date varies by issuer, with Chase being quicker than American Express.
“Amex cards though, seem to be like two to three months after approval.”
“So, so yeah, you know, you have to consider that because that for me makes a difference, you know, when I look at the Hilton offers right now and say, okay, well if I'm going to get one of those and try to line up an annual free night certificate, when do I want to apply so that my certificate can be issued around the same time that hers is issued?”
“Yeah, yeah. So that, that's kind of the, that's the easier problem to solve, right?”