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If you have an American Express card, you can use this free tool. And you probably don't even know about it. I'm Rachel, I share credit card tips and I teach you how to use your points to book flights, so follow along. If you have a $300 hotel credit to spend but you're sick of overpriced hotels, this is the site to use. Head to maxfhr.com and search anywhere by city. The tool will surface all of the hotels from least expensive to most expensive and you can use your hotel credit at any one of them. And the little badges denote THC for the hotel collection, which requires a two-night minimum, or FHR for Fine Hotels and Resorts, which requires no minimum length of stay. And you can search across dozens of cities in just minutes, which makes it easier to find an affordable location your credit at. Once you've found a hotel you like, head to Amex Travel to find your specific dates and pricing and make the booking directly there to be eligible for the statement credit. Compare pricing with the hotel website direct to make sure it's not inflated too much through Amex Travel. Remember: you can book a hotel for a future date, and as long as it's a prepaid eligible reservation, you will use this period's credit.