Stage 2 · Book · Points & payment calculator
Credit card points vs. direct resort booking calculator
Enter your stay total and card type below to see how booking direct codes as travel (MCC 7011) while keeping Instant Booking Credits, the 7th Night Free Anniversary offer, and the 10% Military & First Responder discount.
Credit card portal vs. direct booking comparison
Direct bookings code as travel (MCC 7011)Chase, Amex & Capital One portal vs. direct resort savings
Before paying, many travelers compare booking through Chase Travel, Amex Travel, or Capital One Travel. Because third-party bank portals book OTA inventory, they do not combine promotional suite discounts, the 10% military/first responder discount, the $100 online credit, or the Free Anniversary Night.
Net direct booking difference+$1,276 saved
Select below to show the points vs. promo breakdown and compare direct resort rates with combinable promotions included.
Travel cards: bank portal vs. direct checkout summary
| Credit card | Bank travel portal | Direct resort checkout | Net takeaway |
|---|---|---|---|
| Chase Sapphire Reserve | 5x to 10x on Chase Travel (forfeits promo stacks) | 3x travel directly (MCC 7011) | Direct booking keeps +$1,400+ in resort promos and still earns 3x points |
| Chase Sapphire Preferred | 5x on Chase Travel (forfeits promo stacks) | 2x travel directly (MCC 7011) | Stackable credits and 7th Night Free outweigh the 3x portal point difference |
| Capital One Venture X | 5x to 10x on Capital One Travel (forfeits promo stacks) | 2x miles directly (MCC 7011) | Use Purchase Eraser on the direct resort charge while keeping all promos |
| Amex Platinum / Gold | Prepaid OTA rates via Amex Travel | Direct charge + Flex Pay and low deposit eligible | Retains price-drop adjustments, 10% service discount, and suite selection |
Compare all booking channels side by side
See policies for deposits, Flex Pay, price-drop adjustments, and room code guarantees.