I found on our last trip that the line for online check-in was longer than regular check-in! ; I didn't see any benefit of doing it ... credit card was on file, but in my case they charged the entire room stay to my CC that morning before I arrived (room-only stay), and I had gift cards to use against the room. They had some back-peddling to do and ended up just putting credit on my KTTW card. ; Wouldn't recommend it.