Maximize Hotel Credit Card Signup Bonuses Effectively
Intro
Navigating the world of hotel credit cards, particularly their signup bonuses, can feel like trying to find a needle in a haystack. For those who travel frequently, understanding these bonuses is paramount. Hotel credit cards come with a plethora of benefits that can markedly enhance your travel experience, yet the variability in offerings can lead to confusion. This article aims to unpack the components that make these bonuses worthwhile, helping you align them with your own travel ambitions.
When discussing hotel credit card signup bonuses, it’s crucial to dig deeper than mere surface-level promotions. Not all rewards are created equal, and nuances in terms and conditions can greatly influence their actual value. Thus, for savvy investors and financial enthusiasts alike, having a clear roadmap enables better decision-making and maximizes potential returns. Let’s explore the pivotal foundations in the realm of hotel credit cards, focusing first on key terminologies essential for understanding this financial product.
Understanding Hotel Credit Cards
In the travel industry, hotel credit cards hold significant potential for maximizing your experience and savings. These cards are not just plastic money; they serve as passports to potentially lucrative rewards, exclusive benefits, and enhanced travel experiences. Understanding the nature and utility of these cards is crucial, especially for frequent travelers who want to make the most of their hotel stays and expenses.
Definition and Purpose
Hotel credit cards are financial tools offered by hotel chains or affiliated financial institutions. They are designed specifically to incentivize loyalty among consumers by providing rewards tailored to hotel stays and related expenses. The primary purpose of these cards is to offer an avenue for consumers to earn points, cash back, or other rewards for expenditures that naturally occur during their travel experiences.
For instance, if you're someone who travels often for business or leisure, swiping your hotel credit card for daily expenses like dining, gas, and, of course, accommodations can quickly add up to substantial rewards. Some cards even provide additional perks such as complimentary room upgrades, late check-outs, free nights, or access to exclusive events. The definition hinges on the idea of maximizing value from every travel-related dollar spent.
Market Overview
The landscape of hotel credit cards is as diverse as the hotels themselves. Major hotel chains like Marriott, Hilton, and Hyatt offer their own proprietary credit cards with unique features and rewards structures. These cards often come with significant sign-up bonuses to entice new cardholders. For example, many of these bonuses may become appealing during promotional periods – ranging from free night stays to a hefty pile of points, sometimes in the range of 50,000 to 100,000.
Additionally, the market has seen an increase in co-branded cards that serve a dual purpose, such as travel rewards cards that offer points for various purchases outside the hotel. This duality allows travelers to accrue rewards on their everyday purchases, not just hotel-related expenses.
The competitive atmosphere in the credit card market means that benefits are constantly shifting. It’s common to see periodic changes in points redemption structures, fees, and bonus offers. Keeping an eye on these changes—whether through hotel websites, financial blogs, or forums—can bring significant advantages to savvy consumers. In essence, understanding the current market trends sets the stage for informed decisions when assessing which hotel credit card can deliver maximum value.
"The right hotel credit card can turn travel hassles into opportunities, translating expenses into richly deserved rewards."
Navigating the matrix of credit cards today often requires a strategy. It’s not merely about picking the card with the flashiest sign-up bonus; it demands a thorough evaluation of the terms, the potential rewards, and how they align with your own travel habits. With this understanding, you can carefully weigh your options, ensuring that your choice enhances your travel experience rather than complicating it.
The Importance of Signup Bonuses
When it comes to hotel credit cards, few elements hold as much sway as the signup bonus. This enticing carrot often determines the power and attractiveness of a credit card offer. A quality signup bonus can provide significant leverage to travelers, transforming the way they plan vacations or business trips. More than just a numerical benefit, these bonuses can directly influence where, when, and how much one travels. By understanding their importance, you’re well on your way to making savvy financial decisions.
What Are Signup Bonuses?
Signup bonuses are essentially bait for prospective cardholders, often presented as reward points or free nights after the cardholder meets certain criteria. Generally, this means spending a specific amount within a certain time frame after opening the account. Cards such as the Hilton Honors American Express Card or the Marriott Bonvoy Boundless Credit Card are prime examples. They each come with unique signup offers that range from a heap of points to welcome perks like free nights.
The true allure of these bonuses lies in their versatility. They can be used for free hotel stays, upgraded rooms, or even cash back on future travel purchases, depending on the consumer's preferences and loyalty programs. In a world where every dollar counts, enticing bonuses can feel like a straightforward ticket to easier travel or cost reductions.
Potential Value
The potential value of these signup bonuses can be both substantial and nuanced. Depending on the card and the individual’s spending habits, a signup bonus could translate into real savings on high-end accommodations.
For example, let’s dissect the value behind the Chase Sapphire Preferred Card. Its current signup bonus may exceed 60,000 points, which can provide significant savings when redeemed for travel through the Chase portal. Given that many luxury hotels charge well over $300 per night, that bonus could potentially cover two or more nights for a discerning traveler.
However, value isn’t always easily calculable. It varies with each person’s travel goals and hotel stays. Here are a few highlights to consider regarding potential value:
- Type of Redeemable Rewards: Can you use bonus points for high demand dates?
- Working within Loyalty Programs: Are you collaborating with brand points that compound your overall benefits?
- Partnerships and Offers: Does the credit card offer additional value through partnerships with other travel providers?
By analyzing the potential value of signup bonuses, you can position yourself to maximize travel experiences while minimizing out-of-pocket expenses.
Factors Influencing the Value of Bonuses
When evaluating hotel credit cards and their signup bonuses, it’s critical to understand what factors can shape the overall value you'll glean from these offerings. The enticing nature of signup bonuses can often mask the intricacies involved. Therefore, analyzing these elements helps in discerning if a credit card aligns with both your financial behavior and travel ambitions.
Minimum Spending Requirements
Most hotel credit cards feature a minimum spending requirement that cardholders must meet within a specific period, often three months from opening the account. This makes understanding this condition paramount. For example, a card might offer a sign-up bonus of 50,000 points, but only after you spend at least $3,000 on purchases in that timeframe. While this can seem straightforward, consider how realistic it is for you to reach that threshold.
Some people may already spend enough on regular expenses, such as groceries and utilities, to easily meet these requirements without adjusting their spending habits. However, for others, reaching that level might seem like climbing Everest in flip-flops. Planning your expenses can mean the difference between earning those points or letting them slip away. It's also worth keeping an eye out for seasonal spending spikes – for instance, if the holiday season is approaching, you might expect your expenses to increase.
Time Constraints
Time constraints often add another layer of complexity. The clock begins ticking as soon as your account is open, usually giving you about three months to meet that minimum spending requirement.
If your travel plans align well with the card's spending period, you may find it easy to rack up points. But, if nothing's on the horizon, you could feel the pressure mounting as the deadline approaches.
Understanding the exact terms is essential: some cards might offer extensions, while others are strict. Additionally, consider any potential changes in your life that could affect spending; unexpected expenses can make deadlines seem tighter than a drum.
Rewards Structure
Another pivotal aspect is how the points you earn are structured, as not all hotel credit cards behave the same regarding earning points on purchases. Most cards offer higher earning rates for specific categories like hotel stays and dining but might provide lower rates for general expenses. For instance, a card might grant 5 points per dollar spent at participating hotels and only 1 point per dollar spent elsewhere.
Take the time to analyze your spending habits against the rewards structure. If your grocery runs outvalue your hotel stays, getting a flat rate on groceries might yield better rewards than a hotel-specific card that offers limited returns on everyday purchases.
Moreover, consider the redeemability of those rewards. Some chains play hard to get, making it more challenging to book a room with points, while others might offer sweet deals or promotions that can significantly increase the bonus points value.
By dissecting these factors, you can better navigate the maze of hotel credit cards and emerge with a bonus that truly serves your travel ambitions.
Top Hotels and Their Credit Card Offers
When it comes to travel, few topics generate as much interest and intrigue as hotel credit card offers. The right hotel credit card can be a game changer in terms of how travelers experience their trips. It’s not just about the sleek perks; it often boils down to maximizing value and ensuring a seamless experience. As we delve into this section, we will explore prominent players in the hotel credit card arena, evaluating their offerings and benefits that cater to a diverse range of travelers.
Major Hotel Chains
Major hotel chains stand at the forefront of the hotel loyalty landscape. Brands such as Marriott, Hilton, and Hyatt provide credit cards that come with noteworthy signup bonuses and ongoing rewards. Understanding their offers can considerably influence how one goes about planning travel.
A standout feature of these cards is their ability to accrue points rapidly, often at an accelerated pace when used at their respective chains. For instance, the Marriott Bonvoy Boundless card offers a hefty welcome bonus that can cover multiple nights, making it a favorite among frequent travelers. Additionally, patrons can earn bonus points on everyday spending categories like dining and groceries, which adds up quickly.
Consider this: if one is uploading a vacation to New York or Los Angeles, selecting a hotel that aligns with one’s credit card perks can make a difference in both comfort and cost.
- Key Benefits:
- Accelerated point earnings on hotel stays
- Access to exclusive member rates
- Possibility for free upgrades
Yet, it’s not just the points that matter. Many major hotel chains also offer complimentary nights after a certain threshold, ideal for those who put these cards to good use. However, it’s vital for consumers to read the fine print. Variables such as blackout dates or property categories can impact the usability of accumulated points.
Boutique Hotels
While major chains attract the masses, boutique hotels present a unique charm that can be equally rewarding in the credit card arena. Often, these hotels focus on experience over sheer commercialization. Brands like Kimpton Hotels and Ace Hotel offer credit card options that are distinctly appealing to travelers seeking differently curated stays.
Boutique hotel card offers often provide smaller, yet significant, signup bonuses, but what they lack in sheer points, they often make up in the quality of experience. Many boutique hotel credit cards come with added benefits like free night stays, unique on-property experiences, or even the option for complimentary breakfast and spa credits. These elements can greatly augment the travel experience.
The Kimpton® Hotel & Restaurant Group credit card, for example, grants not just points but also celebrates the idea of personal service and experience from the solo traveler to families looking for a memorable getaway.
- Unique Selling Points:
- Personalized service and unique local experiences
- Frequently have local perks, such as dining credits
- Lesser known, but often have rich rewards systems
In summary, while evaluating these offers, one needs to consider their travel patterns. Choosing the right hotel credit card based on both major chains and boutique offerings can be a strategic advantage in crafting memorable travel experiences.
Comparing Signup Bonuses
When it comes to hotel credit cards, comparing signup bonuses shapes the decision-making process for many travelers. The landscape is varied, and not every offer that glitters is gold. Getting a handle on what each card brings to the table is crucial to ensuring those hard-earned points don’t go to waste. Here, we delve into the specific elements that highlight the advantages and potential pitfalls of different signup bonuses.
Side-by-Side Analysis
A side-by-side analysis of signup bonuses can be a real eye-opener, revealing nuances that might not be apparent at first glance. Let's break it down:
- Bonus Amount: Different hotel cards often come with a range of bonuses. A card that offers 50,000 points may seem more appealing than one offering 30,000, but it’s essential to check the conditions as well. For example:
- Redemption Options: One of the most critical areas to scrutinize is how to actually use those points. Some programs allow for flexible redemptions like flights or even gift cards, while others might be strictly for hotel stays. If you’re keen on broad usage, you’ll want to consider those benefits strongly.
- Expiration Policy: Points that expire can be akin to money thrown through the window. Knowing when and how long points last is as important as the number of points awarded. This analysis will give you a clearer picture of overall value across different cards, helping you make a more informed choice.
- Is there a minimum spend to qualify for the bonus?
- How long do you have to meet that spend requirement?
Qualitative Considerations
Beyond the numbers, qualitative factors can equally influence your decisions about signup bonuses. Hey, it’s not all just black and white! Consider these aspects:
- Customer Experience: Reviews and anecdotal evidence can shed light on how helpful the rewards program is. Some may discover issues in booking or redeeming points that outweigh the perceived benefits. A responsive customer service team can make a world of difference when you have queries or run into snags.
- Partner Networks: If a hotel chain has alliances with airlines or other travel services, that can enhance the value of their credit card significantly. Being able to transfer points to a favorite frequent flyer program can allow you to stretch your rewards even more.
- Flexibility in Redemption: The more ways you can use those points, the sweeter the deal. Cards that let you book travel, dine out, or pay for experiences can provide greater utility than those restrictive programs.
"Not all that glitters is gold. Sometimes, what looks like an excellent signup bonus may come with hidden strings attached."
In the realm of hotel credit cards, comparing bonuses rigorously—both quantitatively and qualitatively—ensures you understand the full landscape, avoiding pitfalls along the way. By weighing bright perks against potential limitations, you can hold onto value that meets your unique travel needs.
Maximizing Credit Card Benefits
Understanding how to make the most of hotel credit card options is crucial for frequent and infrequent travelers alike. The benefits of these cards aren’t merely limited to flashy signup bonuses; they represent a systematic approach to optimizing leisure expenses and travel experiences. For instance, a savvy traveler who knows when to spend, where to earn, and how to leverage those points can transform routine expenditures into extraordinary journeys.
Strategic Spending
Strategic spending is the lifeblood of maximizing credit card benefits. Essentially, it means aligning your everyday purchases with the categories that offer the most rewards. Most hotel credit cards provide enhanced points for specific types of spending—like dining, travel, or groceries. Therefore, keeping an eye on these categories can substantially elevate your reward accumulation.
To illustrate, let’s say you hold a card that gives three points per dollar spent at restaurants. If a family of four dines out weekly, that adds up. Over the course of a year, dining could yield thousands of bonus points, approaching the level needed for a significant reward night or two at your favorite hotel. It becomes clear that even routine expenses can be converted into travel opportunities by simply being strategic.
"Transforming daily expenses into travel rewards—now that’s a smart way to travel!"
Here are a few simple guidelines for strategic spending:
- Know your card’s bonus categories: Familiarize yourself with classifications and adjust your spending accordingly.
- Use multiple cards: Depending on your spending habits, it may be advantageous to carry several cards that target different expense areas.
- Plan your purchases: If you’re considering a larger purchase, check if it falls under a promotional bonus category for that month.
By doing all this, you position yourself to rack up points when you otherwise might not have thought to.
Utilizing Bonus Points
Utilizing bonus points effectively can be equally pivotal when reaping the rewards from hotel credit card bonuses. Accumulated points often come with terms on how and when they can be spent for maximum value. Ignoring these details might lead you to squander opportunities—you don’t want your hard-earned points to sit idle or lose their worth.
Maximizing bonus points can be broken down into several key actions:
- Redeem during peak times: Often, points have more value during off-peak seasons or holidays. Booking room stays during these times enables you to afford higher-class accommodations for lower points.
- Look out for promotions: Many hotel chains frequently run promotions where your points can stretch even further, especially if you leverage partnership deals that allow point transfers to other airlines and services.
- Prioritize point usage: Focus on essential redemptions that boost your travel experience—upgrading to suites or booking experiences instead of just stays can offer more rewarding opportunities.
When will you plan your next trip and use that stack of points? By taking these steps, you’re not just maximizing your credit card benefits; you’re enhancing your overall travel experience, turning a simple cardholder into a seasoned travel rewards veteran.
Risks and Drawbacks
Understanding the potential risks and drawbacks of hotel credit card signup bonuses is crucial for any savvy traveler. While the allure of earning lucrative rewards can be quite tantalizing, examining the less glamorous side is essential for informed decision-making.
Potential Hidden Fees
Many hotel credit cards advertise enticing signup bonuses, yet hidden fees can quickly tarnish the appeal. For example, some cards come with annual fees that sneak up on users if not properly examined. A card may showcase an impressive signup bonus of 100,000 points, but if the annual fee is $95, it’s important to calculate whether those points translate into significant travel value. Moreover, there can be other costs that pop out of nowhere, such as foreign transaction fees or charges for late payments. Let’s look at some of these hidden fees:
- Annual Fees: Not all cards charge them, but it’s important to know.
- Foreign Transaction Fees: Users planning international travel need to consider these costs; some cards offer 0% fees.
- Late Payment Fees: If you miss a payment, the penalties may overshadow any benefits.
- Cash Advance Fees: Using your credit for cash can incur high costs.
Being mindful and reviewing the fine print can save you a pretty penny and determine whether the potential rewards are worth it.
Impact on Credit Score
The allure of hefty bonuses might overlook an important reality—maxing out a credit card or missing payments can substantially impact a credit score. When applying for new credit cards, the inquiry can momentarily ding a user's credit score, which is a concern for individuals wanting to maintain a high score for future loans or mortgages.
Here's how hotel credit card habits can affect credit scores:
- Credit Inquiries: Each new application results in a hard inquiry, which can negatively affect your score somewhat.
- Credit Utilization: If you rack up charges to reach spending requirements, it can lead to high utilization ratios. Ideally, you want to keep this under 30%.
- Payment History: Payment history makes up a significant portion of your credit score. Late payments can severely damage it.
In essence, while the immediate perks of hotel credit card signup bonuses may seem appealing, overlooking these risks can lead to long-term consequences.
"A good credit score can be your financial safety net; don’t let one card wreck your hard work."
Awareness of these considerations allows travelers to evaluate the full picture. Thus, careful planning not only enhances your travel experience but also safeguards your financial wellbeing.
Alternatives to Hotel Credit Cards
When it comes to exploring financial avenues for travel rewards, considering alternatives to hotel credit cards can be as essential as deciding which path to take on a winding road. The beauty of these alternatives lies in their flexibility and potential for broader applications. While hotel credit cards often provide enticing signup bonuses, they may not be the perfect fit for everyone. By broadening the horizon, consumers can find solutions that suit their individual travel needs and spending habits better.
Travel Rewards Cards
Travel rewards cards stand out as a viable alternative for those who crave adaptability without being tied down to a specific hotel brand. These cards typically allow users to earn points on a wide array of travel-related expenses, from flights and hotels to rental cars and even dining. One of the most notable advantages is the ability to accumulate points faster, often offering bonus categories that suit a traveler’s lifestyle.
- Flexibility in Redemption: Unlike hotel-specific cards, travel rewards cards enable users to redeem points for various travel options. For instance, accumulating points through a card like the Chase Sapphire Preferred can be done by booking flights, which in turn can be redeemed for hotel stays, experiences, or even cash back.
- Partnerships and Alliances: Many travel rewards cards come with partnerships that allow you to transfer points to multiple airline and hotel loyalty programs. For instance, using a card like the American Express Gold Card, one can transfer points to Delta, Marriott, and many more, giving you a diverse range of benefits based on your travel needs.
- Bonuses for Travel-Related Purchases: With certain travel rewards cards, users can earn significant points through travel-related purchases. This means that simply booking flights or upgrading a rental car earns substantial rewards, ultimately extending how rewards can be accumulated.
Overall, opting for a travel rewards card can furnish a traveler with substantial freedom and adaptability, allowing each journey to be tailored precisely to their preferences.
Cash Back Cards
For those who prefer a simpler approach without the complications of loyalty points, cash back cards present an attractive alternative. These cards offer straightforward cash rewards on purchases, eliminating the need to navigate complex terms and conditions often associated with hotel credit cards.
- Direct Monetary Rewards: Cash back cards provide back a percentage of every purchase made, whether it’s for travel, groceries, or dining out. This gives users immediate value that can be easily tracked and spent without worrying about expiration dates of points.
- No Specific Redemption Requirements: Unlike many travel cards that dictate how rewards can be spent, cash back from these cards is usually paid out quarterly or annually, providing much more straightforward access to funds. For example, a card like the Citi Double Cash Card offers 2% cash back on all purchases—1% on the purchase and 1% when you pay it off.
- Spending Limitations: Some cash back cards also come with unique bonus categories. A user might be rewarded more for spending in specific areas, such as dining or online shopping, thus maximizing their cash rewards based on their lifestyle choices.
"It's important to remember that one size rarely fits all; knowing your financial habits can lead you to the right card for your journey."
Ultimately, whether one chooses to go with a hotel credit card, a travel rewards card, or a cash back option, understanding the nuances of each can help illuminate the best route to rewarding experiences.
Case Studies: Successful Usage
Understanding how individuals leverage hotel credit card signup bonuses reveals much about their effectiveness in real-world scenarios. Case studies offer a window into the strategies that can lead to significant travel rewards, thereby illustrating the value of these financial tools in various contexts. For instance, both frequent travelers and infrequent travelers have unique approaches and considerations when diving into the world of hotel credit card signup bonuses.
Frequent Travelers
Frequent travelers have an edge when it comes to maximizing hotel credit card benefits. These individuals often travel for business or leisure on a regular basis, allowing them to meet spending thresholds and earn points or rewards more rapidly. They frequently look into cards like the Marriott Bonvoy Boundless Credit Card or the Hilton Honors American Express Aspire Card. These cards often come with attractive signup bonuses that can significantly boost their points balance after meeting the required spend.
- Example Scenario: Consider a business consultant who travels weekly for work. By utilizing the Marriott Bonvoy Boundless Card, they earn multiple points for every dollar spent on hotel stays, and a hefty signup bonus that can equate to free nights in luxury hotels. This has enabled them to stay in five-star accommodations without breaking the bank, while also making their travel much more enjoyable.
However, frequent travelers must be aware of the annual fees associated with these cards. They often weigh these costs against the benefits of the rewards gained. Thus, while the high signup bonuses are enticing, thorough calculations are necessary to guarantee a tangible return on their investment.
Infrequent Travelers
On the other hand, infrequent travelers face different challenges. They may not have the same spending patterns as their frequent counterparts, making it tougher to take full advantage of hotel credit card signup bonuses. For them, the strategy shifts to targeting cards that offer bonuses that are easier to access or more relevant to their travel habits.
- Example Scenario: An individual who takes one or two vacations a year might benefit from the World of Hyatt Credit Card. This card provides a sizable amount of points after the initial spend, which can be saved for a future stay at a Hyatt property. Unlike frequent travelers, the goal is to gather a substantial amount of points that can redeem meaningful rewards for their occasional trips.
“Evaluating the utility of hotel credit card bonuses hinges on understanding personal travel needs—frequency is just one factor.”
Strategies for infrequent travelers often include:
- Choosing the right card based on travel patterns. They should look for cards that align with the hotels they’re likely to use during their trips.
- Considering the bonus structure. Some cards may offer points for dining or gas purchases, making it easier to hit spending limits in everyday scenarios.
- Maximizing occasional travel. Even as sporadic travelers, the strategic use of signup bonuses can lead to substantial savings or upgrades during their journeys.
Balancing out these case studies establishes a comprehensive view of how varied user experiences can shape their perspective on hotel credit card signup bonuses. Understanding these nuances can significantly enhance the decision-making process when selecting the right credit card for one’s travel needs.
The Role of Customer Loyalty
In the competitive world of hotel credit cards, customer loyalty plays a pivotal role. It’s not merely about accumulating points; it’s about establishing a relationship with a brand that goes beyond the occasional visit. Paying attention to customer loyalty is crucial because it can directly influence the benefits you receive from your credit card, particularly when it comes to earning points and accessing perks. This aspect is central to understanding how different credit cards add real value over time.
Loyalty programs are designed to reward repeat customers. For instance, major hotel chains such as Marriott and Hilton have crafted intricate loyalty programs that significantly benefit cardholders. By utilizing these credit cards, frequent guests can earn status points that may translate into higher-tier benefits. This system isn’t just about collecting points; it’s about unlocking exclusive offers, such as room upgrades, late check-outs, and even free nights.
Earning Status Points
Earning status points is one of the fundamental elements of hotel loyalty programs. When you swipe your hotel credit card, you are not just making a purchase; you’re also inching closer to achieving elite status within the hotel’s loyalty scheme. Status points are key because they often dictate the level of rewards you can claim.
For instance, an individual frequently traveling for business might rack up points faster due to regular stays in a particular hotel chain. Such patrons may find themselves elevated to a gold or platinum status, which comes with unparalleled benefits:
- Complimentary upgrades to better rooms.
- Access to exclusive lounges.
- Earning bonus points on each stay, enhancing the overall rewards.
For those who travel infrequently, it might seem like a daunting task to reach elite status. However, the strategic use of your hotel credit card when booking stays can accelerate this journey. Monitoring your earned points diligently and targeting specific promotional periods can significantly bolster your status.
Long-Term Benefits
Long-term benefits are the essence of maintaining loyalty with a hotel brand, and this aspect should not be understated. In today’s fast-paced world, it might be tempting to flip-flop between hotel chains. But, sticking with one brand can lead to substantial rewards over time. Consider the potential you might miss out on if you continually switch. Long-term loyalty often translates into cumulative rewards that increase with each stay.
Here are a few benefits that become more apparent the longer you stay committed to a particular hotel brand:
- Enhanced Personalization: Hotels often use guest history data to tailor services, resulting in a more personalized experience on each visit.
- Exclusive Offers: Long-term members often receive special promotions not available to newcomers.
- Greater Savings: A higher loyalty status usually means better rates and discounts on bookings.
"Loyalty carries a weight that becomes tangible over time. It reflects in service, rewards, and experiences that can't simply be purchased or earned overnight."
