The Best Ways to Book Hotels Through Online Travel Agencies and Bank Portals

Mar 20, 2018

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When possible, booking directly with a hotel is the best way to make your reservation. This ensures you earn hotel points; your night counts toward elite status qualification; any elite status benefits you have are recognized; and if you need to make changes, it’s much easier to deal directly with a property.

That said, let’s look at when it may be necessary — or get you a better deal — to book hotels through an online travel agency (OTA) or bank portal —like the Chase Ultimate Rewards Travel portal — and the best ways to maximize your reservation.

When to Book Through an OTA or Bank Portal

There are now hundreds of online travel agencies and apps focusing on hotel bookings thanks to the commissions paid to the agency. Most readers will recognize the popular OTAs in the US as Agoda, Expedia,, Hotwire, Priceline and Travelocity.

Switching to bank portals, you’re probably familiar with these banks that offer portals which allow you to book hotels: American Express Travel, Amex Fine Hotels & Resorts, Citi ThankYou Rewards, Chase Ultimate Rewards Travel, US Bank Travel and Wells Fargo GoFar Rewards. Most banks have some type of portal or agreement with one of the above OTAs, which allows you to book travel with cash or their respective bank rewards.

Here are a few scenarios where it could make sense for you to use an online travel agency or bank portal:

  • You want to book an independent or boutique hotel that isn’t part of a chain and doesn’t have its own rewards program.
  • Your workplace requires you to use an online travel agent like Expedia or Travelocity because the boss thinks it saves the company money (don’t laugh, it happens).
  • The OTA has a sale or promotion too good to pass up. A few apps like Hotel Tonight and Final Price also have really great prices from time to time.
  • You want to redeem your transferable bank points to cover the revenue cost of a hotel.
  • As the travel expert within your family and friends, you are routinely asked to book a hotel for friends and family (more on this below).
  • You’ve done the quick math and recognized the cost of a hotel will require fewer points to book through the bank portal than through transferring to the hotel program.
  • If you’re a Citi Prestige cardholder and want to utilize the 4th Night Free benefit, you must either book through the ThankYou Travel center or on the phone with a Citi Prestige concierge.

Here’s a quick recap of the value of your Amex, Chase and Citi points when used toward the cost of a hotel through their portals:

Bank Card Held Hotel Redemption Value (Per Point)
Amex All Membership Rewards-earning cards 1 cent
Chase Chase Freedom/Chase Freedom Unlimited 1 cent
Chase Sapphire Preferred Card 1.25 cents
Chase Sapphire Reserve 1.5 cents
Citi Citi Prestige 1.25 cents
Citi Premier Card 1.25 cents
Citi AT&T Access More 1.25 cents
Other ThankYou point-earning cards 1 cent

Strategies to Maximize Bookings

If you find yourself in one of the above situations, here are the strategies I would use when booking through an OTA or bank portal:

Use the OTA Rewards Program — Most online travel agencies have their own rewards program that equate to 1-10% cash back per booking. The great benefit on most of these is that unlike with hotel loyalty programs, you can book for you friends, family and co-workers and get credit in the OTA rewards program for their bookings. For example, if your aunt who rarely travels needs a hotel, offer to book it for her and have her reimburse you. You’ll earn credit in the OTA program under your account.

Use and Capital One Venture Rewards Combo — We’ve covered the new partnership extensively on TPG, and this is another reminder to earn a 20% rebate toward future hotel stays with the two programs. gives you a free night after every 10 nights (via the form of a credit equal to the average cost of your nights), and the Capital One Venture Rewards Credit Card and Capital One VentureOne Rewards Credit Card both get you 10x Venture miles on hotels booked and paid through the Venture landing page.

Check Cash-Back Portals — Multiple online shopping portals incentivize you with cash back to shop for hotels on a particular site. I use to look up the OTA I want to use. Perhaps the most exciting report currently is the Ebates plugin for Safari is tracking bookings made through the venture landing page, adding an additional 4% to the 20% rebate the program combination offers.

Attempt Best Rate Guarantee Claims — Most national and international hotel chains challenge you to find a better price for a room on an OTA compared to their site. If you’re successful, you’ll receive either a percentage off the room or a flat credit back. Though they’re now quite challenging to be approved, since you’re booking through an OTA anyways, it’s worth a peek at the hotel website to see if you can find a better price with the OTA. Remember, everything about the room and booking conditions must be identical between the hotel’s website and the OTA for a best rate guarantee to be approved. Keep in mind you must complete your booking directly with the hotel if you have a successful claim.

Bank Portal Bookings — These are pretty straightforward, since your points have a fixed redemption value. The are two tasks I complete before redeeming my points toward the revenue cost of the hotel: a quick calculation of transferring points to the hotel program vs. redeeming through the portal to make sure I’ll use less points in the portal, and, second, making sure the price for the hotel in the portal either matches or nearly matches the publicly available rates.

(Photo by Eric Helgas for The Points Guy)
(Photo by Eric Helgas for The Points Guy)

When You Shouldn’t Book Through an OTA or Portal

There are a few exceptions to the above discussion and should be considered whenever possible:

Costco for Hyatt and Hilton — If you book a Hyatt or Hilton property through the Costco Travel portal, you’ll receive all points, elite status nights, and elite benefits for your stays. In my limited experience search the rates, they seem to match the publicly available rates on Hilton and Hyatt’s websites. The bonus is if you’re a Costco Executive member, you now get 2% cash back on Costco Travel purchases.

Amex Fine Hotels & Resorts — If you book a luxury property listed on you will receive all benefits of the loyalty program as if booking directly through the hotel. Don’t forget all the other benefits of FHR bookings, so make sure to check if the property you are going to book is listed on the site.

Virtuoso — This program is similar to Amex Fine Hotels & Resorts, except there’s no online booking method. You need to find a Virtuoso-registered agent to make the bookings for you. You’ll receive the same benefits of Fine Hotels & Resorts bookings and earn loyalty points and elite status nights.

Bottom Line

If I want to utilize the Citi Prestige 4th Night Free benefit or book through Amex Fine Hotels & Resorts or Virtuoso, or if I’m booking for friends or family, I’ll head to an OTA or bank portal rather than booking directly. If I had a Capital One Venture Rewards Card, I’d also be searching to look at potential cash savings. Otherwise, I’m going to try and book direct to enjoy elite benefits and points earnings.

At the end of the day, I know many people who travel infrequently and/or just want simplicity. If you go through a cash-back portal and earn a reward night credit, it should leave you feeling pretty good.

Featured photo by mustafagull/Getty Images

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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