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The best hotel credit cards of 2024 offer a variety of rewards and perks that can help you save money on your next stay. Whether you’re a frequent traveler or just looking to save on a one-time trip, a hotel credit card can be a great way to get more for your money.

Here are a few of the benefits of owning a hotel credit card:

  • Earn rewards: Many hotel credit cards offer points or miles that can be redeemed for free stays, upgrades, or other travel-related expenses.
  • Get perks: Some hotel credit cards come with perks like free breakfast, room upgrades, or late checkout.
  • Save money: Hotel credit cards can help you save money on your hotel stays by offering discounts on room rates, taxes, and fees.

If you’re looking for a hotel credit card, there are a few things you’ll want to keep in mind:

  • Spending habits: Consider how often you travel and what kind of hotels you typically stay at.
  • Budget: Hotel credit cards can have annual fees, so it’s important to choose one that fits your budget.
  • Travel goals: Some hotel credit cards offer better rewards for stays at specific chains or in certain destinations.

Once you’ve considered these factors, you can start comparing different hotel credit cards to find the one that’s right for you.

Ka Anapali Beach Hotel HuiHui restaurant in Maui. Credit: Johnny Jet

The Best Hotel Credit Cards in 2024 (And Their Major Bonuses)

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Other Top Credit Cards for Hotel Stays

Best Hotel Card Bonus: Marriott Bonvoy Boundless Credit Card

The information for the Marriott Bonvoy Boundless® Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The Marriott Bonvoy Boundless® Credit Card is the best hotel credit card for Marriott loyalists. On each card anniversary, you also get one free night reward valid at any property that costs 35,000 points or less.

You will also earn up to 17x Marriott Bonvoy® points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card. You can also earn 3x Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. All remaining purchases will earn 2 points per $1 spent.

Automatic Silver Elite status also gives you an extra 10% points on bonus stays. Other Silver Elite benefits include free in-room WiFi and late checkout. Spending $35,000 in a year, or the 15 Elite Night credits, gives you a fast-track upgrade status to Gold Elite status.

Bonus

New limited-time offer! New Marriott Bonvoy Boundless® Credit Card cardholders can earn 5 Free Night Awards (each night valued up to 50,000 points) after spending $5,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card.

There are no foreign transaction fees, and the annual fee is $95. Your points don’t expire as long as you make purchases on your card every 24 months.

Another Marriott Option: Marriott Bonvoy Brilliant American Express Card

The Marriott Bonvoy Brilliant® American Express® Card is being mentioned because it has an exciting welcome bonus offer.

New Marriott Bonvoy Brilliant® American Express® Card cardholders earn 185,000 Marriott Bonvoy® points after spending $6,000 in purchases within the first 6 months of Card Membership.

Each card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide. 

Other featured benefits include 1 Free Night Award (redemption level at or under 85,000 points) annually after your card renewal month at participating Marriott Bonvoy properties (some hotels have resort fees), up to $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card, and complimentary Priority Pass Select airport lounge access.

Other Perks

Additionally, cardholders can enjoy a fee credit for TSA PreCheck or Global Entry, up to $800 in cellphone protection, and 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status (terms apply).

Marriott Bonvoy Brilliant® American Express® Card cardholders earn:

  • 6x Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program
  • 3x Marriott Bonvoy® points at restaurants worldwide 
  • 3x Marriott Bonvoy® points on flights booked directly with airlines
  • 2x Marriott Bonvoy® points on all other eligible purchases

Marriott Bonvoy Platinum Elite members earn 50% more points on eligible purchases at participating hotels for each U.S. dollar (or the currency equivalent) that is incurred and paid for by the member.

Each calendar year, after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.

Although this card has a $650 annual fee and no foreign transaction fees (See Rates & Fees), it has plenty of benefits that are worth a lot more.

Best Free Night Award: The World of Hyatt Credit Card

Even if you only stay in a hotel one night a year, you can stay for free if you get a free night award. In most cases, the free hotel night cash value is greater than the card’s annual fee.

With The World of Hyatt Credit Card, your free annual hotel night after each card anniversary is valid at any category 1-4 Hyatt property. This free night alone is easily worth more than the $95 annual fee.

Hyatt also has one of the most generous reward night policies.

Free nights start at 5,000 points and max out at 30,000 points at a Category 7 property. With most other hotel programs, 30,000 points only book a room at a mid-tier property. If you want to enjoy upscale travel at bargain prices, don’t overlook Hyatt.

New The World of Hyatt Credit Card cardmembers can earn a signup bonus of up to 60,000 World of Hyatt Bonus Points. Earn the first 30,000 points by spending $3,000 on purchases in the first 3 months from account opening. Plus, earn up to 30,000 More Bonus Points by earning 2x Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1x Bonus Point, on up to $15,000 spent.

Other Benefits

Additional perks include complimentary World of Hyatt Discoverist status for as long as your account is open, 5 tier qualifying night credits towards status after account opening and each year after that for as long as your account is open, and an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year.

Cardholders also earn two qualifying night credits towards tier status every time they spend $5,000 on their card.

Plus, you can enjoy these tiered purchase rewards:

  • 9 points per $1 spent on Hyatt purchases – 4 points per $1 when you use your card at Hyatt hotels & 5 points per $1 you can earn as a World of Hyatt member
  • 2 points per $1 spent for restaurants, airline tickets purchased directly from the airline, local transit and commuting, and fitness club and gym memberships

If you frequent Hyatt properties, The World of Hyatt Credit Card is a great card to have in your wallet.

This card has a $95 annual fee.

For Hotel Credit Cards For Non-Business People: IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card offers travel benefits and purchase rewards that benefit non-business travelers:

  • Reward night annual certificate after account anniversary
  • Earn up to 26x points total per $1 when you stay at an IHG hotel
  • 5x points per $1 spent on purchases on travel, gas stations, and restaurants
  • 3x points per $1 spent on all other purchases
  • Global Entry, NEXUS, or TSA PreCheck fee credit

New IHG One Rewards Premier Credit Card cardholders can earn 5 Free Nights after spending $4,000 on purchases in the first 3 months from account opening.

There’s a $99 annual fee.

When you’re not traveling for business, the 5x bonus points give you the perfect opportunity to earn bonus points on your largest monthly spending categories (not including your rent or mortgage payment). If you want a credit card that offers hotel benefits and air travel benefits, it’s hard not to like the IHG Premier.

Automatic Platinum Elite status lets you enjoy space-available room upgrades and extended checkout. To earn this status without the card, you need to stay at least 40 nights per year.

This IHG Rewards Premier Card review can show you how you might get the most value out of this card.

Bonus Mention: IHG One Rewards Traveler Credit Card

If a no-annual-fee IHG card is more to your liking, then you’ll want to consider the IHG One Rewards Traveler Credit Card. When you redeem 3 Nights with the IHG One Rewards Traveler Credit Card, you get the 4th Night Free. This card also earns:

  • Up to 17x points total per $1 spent when you stay at an IHG hotel
  • 3x points per $1 spent on purchases on monthly bills, gas stations, and restaurants
  • 2x points per $1 spent on all other purchases

New IHG One Rewards Traveler Credit Card cardholders can earn 100,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening. 

Again, this card has a $0 annual fee.

Read more in our IHG One Rewards Traveler Credit Card review

Best Hotel Credit Card with No Annual Fee: Hilton Honors American Express Card

For casual travelers who don’t need a free night award or for those who only need a secondary credit card, the Hilton Honors American Express Card is one of the best options without an annual fee (See rates & fees).

The Hilton Honors Card earns up to 7x Hilton Honors points per $1 spent:

  • 7x points per $1 spent directly on eligible Hilton purchases charged on your card directly with a hotel or resort within the Hilton Honors portfolio of brands
  • 5x points for each $1 of eligible purchases at U.S. restaurants, U.S. gas stations, and U.S. supermarkets
  • 3x points for each $1 of all remaining eligible purchases

You will also enjoy complimentary Hilton Honors Silver status. That earns you a 5th night free on reward stays, elite rollover nights, and two water bottles per stay. Spend $20,000 in a year to upgrade to Hilton Honors Gold status through the end of the next calendar year.

New The Hilton Honors American Express Card cardholders can earn 80,000 Hilton Honors Bonus Points after spending $2,000 in purchases on the Card in the first 6 months of Card Membership. 

And yes, we believe this card is worth it.

Bonus: Hilton Honors American Express Surpass Card

A Hilton option that comes with a bit more is the Hilton Honors American Express Surpass® Card. Cardholders earn:

  • Up to 12x Hilton points for each dollar you spend on eligible Hilton purchases made directly with a hotel or resort in the Hilton portfolio
  • 6x points on eligible purchases at U.S. restaurants, U.S. gas stations, and U.S. supermarkets
  • 4x points on U.S. online retail purchases
  • 3x points for all remaining eligible purchases

New Hilton Honors American Express Surpass® Card cardholders can earn 130,000 Hilton Honors Bonus Points after spending $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership.

The annual fee is $150 (See Rates & Fees).

Cardholders also get up to $200 back each year on eligible Hilton purchases after using their Hilton Honors American Express Surpass® Card. An additional new benefit includes complimentary National Car Rental® Emerald Club Executive® status (enrollment in the complimentary Emerald Club® program is required; terms apply).

Plus, spend $40,000 on eligible purchases on your Card in a calendar year, and you can earn Hilton Honors Diamond status through the end of the next calendar year.

Park Hyatt Aviara adult pool. Credit: Johnny Jet

Best Hotel Credit Card for Business Travelers: World of Hyatt Business Credit Card

There hadn’t been a specific card for business travelers looking for a specific hotel business credit card—until now. The first-ever World of Hyatt Business Credit Card comes with several exciting perks that can add value to stays at this major hotel brand.

For starters, cardholders earn:

  • 9x total bonus points on Hyatt stays (4x Bonus Points per $1 spent at Hyatt hotels, participating Small Luxury Hotels of the World, participating Exhale locations, and eligible Lindblad Expeditions, plus 5x Base Bonus Points from Hyatt per eligible $1 spent for being a World of Hyatt member)
  • 2x Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter; eligible categories include:
    • dining
    • shipping
    • airline tickets when purchased directly with the airline
    • local transit and commuting
    • social media and search engine advertising
    • car rental agencies
    • gas stations
    • Internet, cable, and phone services
  • 2x bonus points per $1 spent on fitness club and gym memberships
  • 1x bonus points per $1 spent on everything else

Additionally, cardholders can enjoy up to $100 annually in Hyatt credits each anniversary year. To earn the credit, spend $50 or more at any Hyatt property and earn a $50 statement credit up to two times each anniversary year.

Cardholders also get access to the Hyatt Leverage Program, which can save companies an average of $350 annually. Cardholders also get immediate World of Hyatt Discoverist status with their card.

Those who spend $50,000 or more in a calendar year will get 10% of their redeemed points back for the rest of the year.

New World of Hyatt Business Credit Card cardholders can earn 60,000 Bonus Points after they spend $5,000 on purchases in their first 3 months from account opening.

The annual fee is $199.

Best IHG Business Credit Card Option: IHG One Rewards Premier Business Credit Card

This IHG One Rewards Premier Business Credit Card is the best for business owners who frequently use IHG properties. And with so many IHG properties around the globe, it’s nice and easy to have so many options to work with.

IHG One Rewards Premier Business Credit Card cardholders earn:

  • Up to 26x total points per $1 spent when they stay at an IHG hotel
  • 5x points per $1 spent on purchases on:
    • Travel
    • Gas stations
    • Select advertising
    • Restaurants
  • 3x points per $1 spent on all other purchases

Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.

As long as you remain a Premier Business card member, you will have Platinum Elite status.

Platinum Elite status and Global Entry, TSA PreCheck, or a NEXUS Statement Credit are also included with this card.

New IHG One Rewards Premier Business Credit Card cardholders can earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.

The annual fee is $99. There are no foreign transaction fees. Additionally, employee cards are free and also earn points. 

Best Marriott Business Card Option: Marriott Bonvoy Business American Express Card

The Marriott Bonvoy Business® American Express® Card comes with exciting benefits that can enhance a business traveler’s experience. Cardholders can enjoy free nights, Gold Elite loyalty status (upon approval), discounts, and more.

Cardholders can receive 1 Free Night Award annually after their Card renewal month. Plus, they can earn an additional Free Night Award after spending $60k in purchases on their Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Additionally, certain hotels have resort fees.

Plus, receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.

Cardholders earn:

  • 6x Marriott Bonvoy® points on eligible purchases at hotels participating in the Marriott Bonvoy® program
  • 4x Marriott Bonvoy® points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers & on U.S. purchases for shipping
  • 2x Marriott Bonvoy® points on all other eligible purchases

You will earn unlimited Bonvoy points for each purchase category.

Welcome Bonus

New offer: New Marriott Bonvoy Business® American Express® Card cardholders can earn 3 Free Night Awards after using their new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level of up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.

The annual fee is $125 per year for the primary credit card. Each additional employee card is free. Also, this card has no foreign transaction fee (See Rates & Fees).

Best Credit Card for Flexible Booking: Capital One Venture Rewards Credit Card

If you’re not loyal to one particular hotel brand, the Capital One Venture Rewards Credit Card gets you 2x miles per $1 on every purchase. However, earn 5x miles on hotels and rental cars booked through Capital One Travel. So, either way, you’re earning more miles for your hotel stays.

You can redeem these rewards miles for future award travel purchases or as a statement credit. This card is a great option if you want flexibility and you simply want a room that’s clean and comfortable.

This card also comes with a fee credit for TSA PreCheck or Global Entry.

The annual fee is $95.

For a limited time, new Capital One Venture Rewards Credit Card cardholders can earn 75,000 miles once they spend $4,000 on purchases within the first three months of account opening, plus they’ll receive a one-time $250 Capital One Travel credit their first cardholder year. Earning the entire bonus is equal to $1,000 in travel!

Bonus: Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card is a great option if you want premium benefits, such as a fee credit of up to $100 for Global Entry or TSA PreCheck, Priority Pass lounge access, and $300 back annually for bookings through Capital One Travel.

Cardholders also earn unlimited:

  • 10x miles on hotels and rental cars booked through Capital One Travel
  • 5x miles on flights booked through Capital One Travel
  • 2x miles on all other purchases

Everybody needs something different from their hotel credit card. Maybe you want to pick up a loyalty card because your company encourages you to stay at one brand when you travel, and you want to accelerate your travel benefits. Whether you stay in a hotel a few times a year or a few times a week, these best hotel credit cards can be one of the most valuable credit cards you keep in your wallet.

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel, with the Capital One Venture X Rewards Credit Card.

Are you currently using the best credit card for hotel purchases? While they have their own perks and benefits, owning a co-brand hotel credit card isn’t always the right option. Here are some choices that give you more flexibility.

good credit cards
Park Hyatt Toronto bedroom. Credit: Johnny Jet

Flexible Rewards Credit Cards for Hotel Purchases: Chase Sapphire Preferred Card

If you’re not loyal to a particular hotel brand, a co-brand hotel credit card isn’t much value beyond the free anniversary nights. That’s why you should consider the Chase Sapphire Preferred. That’s how the best hotel credit card possibly won’t be co-branded with a hotel.

The Chase Sapphire Preferred earns unlimited:

  • 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit)
  • 3x points on dining (including eligible delivery services, takeout, and dining out)
  • 3x points on online grocery purchases (excluding Target®, Walmart®, and wholesale clubs)
  • Also 3x points on select streaming services
  • 2x points on all other travel purchases
  • 1x point per $1 spent on all non-bonus purchases 

There is a $50 annual Hotel Credit. It comes in the form of a statement credit that will automatically be applied to your account when your card is used for hotel accommodation purchases made through the Chase Travel℠ program, up to an annual maximum accumulation of $50.

Plus, on each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year. 

Additional Sapphire Preferred Perks

You can transfer your Chase points on a 1:1 basis to these hotel partners:

  • IHG Rewards
  • Marriott Bonvoy
  • World of Hyatt

You can begin booking award nights for 5,000 points and find quality property in nearly any travel destination. In addition to these hotel transfer partners, Chase Sapphire Preferred owners can also transfer points to frequent flyer programs, including United, Southwest Airlines, and British Airways Avios. You can also enjoy a primary rental car collision damage waiver.

New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel℠.

It’s also one of the best metal credit cards you can have in your wallet, making it reliable and stronger against wear and tear.

You can see how the Chase Sapphire Preferred and Capital One Venture Rewards, two top travel rewards cards with $95 annual fees, compare.

Premium Flexible Rewards: Chase Sapphire Reserve

The Chase Sapphire Reserve® earns 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

If you choose the premium Sapphire Reserve over the Preferred, you will also enjoy these air travel benefits:

  • $300 travel credit
  • $100 Global Entry/TSA PreCheck application fee reimbursement
  • Priority Pass Select lounge membership
  • Special on-property benefits from The Luxury Hotel and Resort Collection

Other premium credit cards only let you redeem your travel credit for baggage fees, in-flight purchases, and seat upgrades. It can be hard to redeem your travel credit if you rarely encounter one of these three travel fees.

New Chase Sapphire Reserve® cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when redeemed through Chase Travel.

The annual fee is $550.

Credit Card for 4+ Night Stays: Citi Prestige Credit Card

The information for the Citi Prestige Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Some hotel rewards programs like Hilton Honors and Marriott Bonvoy offer a free night on a multi-night reward stay, but this benefit can pale in comparison to the Citi Prestige® Credit Card 4th night free benefit. Plus, the Citi Prestige earns 3x points per $1 on hotel purchases.

When you book any 4+ night stay through ThankYou.com, you only have to pay the hotel fees and taxes for that fourth night. This complimentary 4th night at a hotel of your choice is based on your average night stay. However, this benefit is capped at 2 times each calendar year.

The 4th night free is the largest selling point of the Citi Prestige, but you can also enjoy these benefits:

  • $250 annual air travel credit
  • $100 Global Entry application fee credit
  • 5x points on air travel and restaurants
  • 3x points on cruises and hotels
  • 1x point on all remaining purchases
  • 1:1 airline point transfers

This is also one of the best Citi credit cards to consider for your travels.

Bonus Citi Option: The Citi Premier Card

The information for the Citi Premier® Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The Citi Premier® Card is another excellent travel rewards card as well as a hotel credit card option. Cardholders can enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com once per calendar year.

Additionally, earn 3x ThankYou points on these purchases:

Each non-bonus purchase earns 1 point per $1.

One additional benefit that can cover the annual fee is the yearly $100 hotel savings credit. When booking a single $500+ hotel stay through thankyou.com, you automatically redeem the benefit.

New Citi Premier® Card cardmembers can earn 60,000 bonus ThankYou® Points after spending $4,000 in purchases within the first 3 months of account opening. This bonus is redeemable for $600 in gift cards or travel rewards when redeemed at thankyou.com.

Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024.

If this sounds like a good choice for you, check out the CardMatch™ tool, which is a free resource for finding personalized offers that best serve you. It can help you determine if the Citi Premier is a card you can get. Additionally, you may be offered a higher targeted signup bonus that isn’t available to the general public.

The annual fee is $95, and there is no foreign transaction fee.

The Platinum Card from American Express

Another luxury option that comes with flexibility is The Platinum Card® from American Express. It earns 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year, and earns 5x Membership Rewards® points on prepaid hotels booked with American Express Travel.

Cardholders can get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when they pay with the Platinum Card®. The Hotel Collection requires a minimum two-night stay.

Also, select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card.

Other benefits include entertainment credits, airport benefits, and more.

New The Platinum Card® from American Express cardmembers can earn 80,000 Membership Rewards® points after spending $8,000 on purchases on their new Card in the first 6 months of Card Membership.

The annual fee is $695 (See Rates & Fees) but can be offset with the perks valued at over $1,400. 

Summary of Best Hotel Credit Cards

In conclusion, if you’re loyal to a particular hotel brand, their rewards card can be a good option because they offer the most points per dollar spent as a loyalty bonus. But, if you need the flexibility to stay for free at multiple hotel chains or you occasionally want to use your points for non-hotel rewards, the Sapphire and Citi ThankYou credit cards are good options for hotel purchases.

Related Articles:

For rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, please click here.

For rates and fees of the Hilton Honors American Express Card, please click here.

Also, For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.

And for rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the Marriott Bonvoy Business® American Express® Card, please click here.

Johnny Jet has partnered with CardRatings for our coverage of credit card products. Johnny Jet and CardRatings may receive a commission from card issuers. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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