The Best Hotel Credit Cards of 2024

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If you’re frequently on the go, having a good hotel credit card in your wallet can make your travels a lot more enjoyable and even save you some cash. With the right card, you can rack up points for future stays and receive benefits like hotel credits on dining and spa treatments, room upgrades and late checkout.

Hotel credit cards often have some of the largest welcome bonuses on the market, but that doesn’t necessarily justify getting one. There are plenty of factors to consider when determining if a hotel credit card makes sense for you.

If you’re frequently on the go, having a good hotel credit card in your wallet can make your travels a lot more enjoyable and even save you some cash. With the right card, you can rack up points for future stays and receive benefits like hotel credits on dining and spa treatments, room upgrades and late checkout.

Hotel credit cards often have some of the largest welcome bonuses on the market, but that doesn’t necessarily justify getting one. There are plenty of factors to consider when determining if a hotel credit card makes sense for you.

CreditCards.com’s Best Hotel Credit Cards of 2024:

• Wyndham Rewards Earner® Plus Card: Best for gas
• Hilton Honors American Express Card: Best for Hilton Honors Silver status
• Wyndham Rewards Earner® Card: Best for balance transfers
• The Platinum Card® from American Express: Best for luxury travel perks
• Discover it® Miles: Best for travel miles
• IHG One Rewards Premier Credit Card: Best for IHG hotel stays
• Marriott Bonvoy Brilliant® American Express® Card: Best for luxury Marriott travelers
• Hilton Honors American Express Surpass® Card: Best for Hilton bonus points

• Marriott Bonvoy Boundless® Credit Card: Best for free night awards
• Marriott Bonvoy Bold® Credit Card: Best no annual fee card for Marriott loyalists
• Chase Sapphire Preferred® Card: Best for sign-up bonus

Hilton Honors American Express Card

Our rating: 4.3 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Rewards rate

7X Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
5X Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3X Earn 3X Points for all other eligible purchases on your Card.

At A Glance

Intro offer Earn 80,000 points More information Close Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Annual fee $0 Regular APR 20.99% - 29.99% variable

Recommended credit 670-850 (Good to Excellent) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating: 4.3 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Why we like this card

If you’re looking for a hotel network with a worldwide presence, Hilton is a great choice. And it pays to be loyal to Hilton. The Hilton Honors American Express Card grants you automatic silver status, which is pretty great for a no annual fee card. As a silver elite member, you’ll have access to a slew of benefits, including no resort fees, late checkout, and a free fifth night on any rewards booking. The free fifth night on consecutive rewards bookings is pretty valuable, potentially saving you hundreds.

Pros

• You can redeem points for hotel stays, airfare, car rentals, cruises, shopping, dining or charity.
• There are no blackout dates or capacity controls for rewards bookings.

Cons

• People who don’t often stay and shop at Hilton properties may not see enough benefits to justify using this card.
• The value you get when transferring your points to an airline partner is much lower than when you redeem for a hotel stay.

Bottom Line

Hilton fans will love being granted automatic silver elite status with this card, as well as the ability to earn points on both everyday and travel purchases.

Highlights

• Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
• Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 3X Points for all other eligible purchases on your Card.
• Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• No Annual Fee.
• Terms Apply.

Rates & Fees

The Platinum Card® from American Express

Our rating: 4.8 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Rewards rate

5X Earn 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.
5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

At A Glance

Intro offer Earn 80,000 points More information Close Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Annual fee $695 Regular APR See Pay Over Time APR

Recommended credit 670-850 (Good to Excellent) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating: 4.8 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Why we like this card

The $695 annual fee may cause some sticker shock, but those who make use of the long list of luxury travel perks can recoup that value and more. One of the most useful perks is the $100 Global Entry or $85 TSA Precheck statement credit – just charge the application fee to your Platinum card every 4 years or 4.5 years, respectively, and American Express will credit your account for the cost. Other perks include Uber Cash for rides or UberEats orders in the U.S. annually and access to the American Express Global Lounge collection.

Pros

• Points don’t expire, and you can redeem them for all or a portion of qualifying travel purchases.
• You can transfer points to a host of airline partners, including Delta Airlines.

Cons

• You have to use American Express Travel – no third parties – to redeem your travel rewards.
• With a $695 annual fee, you should be sure you’ll make use of all the benefits in order to get your money’s worth.

Bottom Line

Despite having one of the priciest annual fees on the credit card market, this card comes with a bevy of perks that can be worth it for frequent travelers.

Highlights

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 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 earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: 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 Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.¤
• Terms Apply.

Rates & Fees

Discover it® Miles

Our rating: 4.1 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Rewards rate

At A Glance

Intro offer Discover Match® More information Close Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. Annual fee $0 Regular APR 18.24% - 28.24% variable

Recommended credit 670-850 (Good to Excellent) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating: 4.1 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Why we like this card

For a no-annual-fee card, the Discover it® Miles offers a pretty lucrative rewards system. While many travel credit cards only reward travel-related purchases, this card is much more versatile. You’ll earn a flat, 1.5 miles per dollar spent on every purchase. You can redeem your miles for a wide range of travel expenses, like airfare, hotels, car rentals, travel packages, taxis and public transportation. You can even redeem for cash back, too.

Pros

• Discover will match all of the miles you’ve earned at the end of your first year.
• You’re not limited to using a Discover travel portal to redeem your rewards. Use your card to book travel however you’d like, and Discover will credit your account for the cost.

Cons

• You can’t transfer your miles to airline frequent flyer programs.
• Some travel rewards cards that charge annual fees offer more lucrative rewards programs.

Bottom Line

The Discover it® Miles is a great card for dipping your toe into the world of travel rewards, especially because it has no annual fee.

Highlights

• Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
• Automatically earn unlimited 1.5x Miles on every dollar of every purchase
• No annual fee
• Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
• 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• Terms and conditions apply.

Rates & Fees

IHG One Rewards Premier Credit Card

Our rating: 4.6 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Rewards rate

26X Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts.
5X Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants.
3X Earn 3 points per $1 spent on all other purchases.

At A Glance

Intro offer Earn 5 Free Nights More information Close Earn 5 Free Nights after spending $4,000 on purchases in the first 3 months from account opening. Annual fee $99 Regular APR 21.49% - 28.49% variable

Recommended credit 670-850 (Good to Excellent) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating: 4.6 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Why we like this card

The IHG network includes nearly 6,000 hotels globally, and with the IHG One Rewards Premier Credit Card, you’ll earn up to 26 points per dollar staying at one. You’ll also earn 5 points per dollar on gas station, grocery store and restaurant purchases too, which gives this card a boost of versatility. The sign-up bonus is substantial: Earn 5 Free Nights (each free night valued up to 60,000 points) after spending $4,000 on purchases in the first three months. For such a reasonable minimum spend, that’s quite a hefty payout.

Pros

• Every four years, you’ll get a credit for up to $100 for Global Entry or TSA Precheck.
• After each anniversary year, you’ll earn a certificate for a rewards night stay.

Cons

• Any redemption option other than hotel stays will devalue your points.
• There is an $99 annual fee.

Bottom Line

The IHG One Rewards Premier Credit Card offers plenty of opportunities to super-charge your IHG points balance, most notably the large sign-up bonus.

Highlights

• Our Best Offer Ever! Earn 5 Free Nights
• 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.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
• Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
• Automatic Platinum Elite status as long as you remain a Premier cardmember
• Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
• IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
• Member FDIC

Rates & Fees

Marriott Bonvoy Brilliant® American Express® Card

Our rating: 4.4 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Rewards rate

6X Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®.
3X 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines.
2X 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.

At A Glance

Intro offer Earn 185,000 Marriott Bonvoy bonus points More information Close Earn 185,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Annual fee $650 Regular APR 20.99% - 29.99% variable

Recommended credit 670-850 (Good to Excellent) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating: 4.4 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Why we like this card

On top of a solid welcome offer, the card offers a great rate on participating Marriott Bonvoy purchases, making it easy to rack up Bonus Points. Additionally, the card offers a slew of credits and benefits for travelers, including lounge access through Priority Pass Select membership and automatic Platinum elite status. The annual bonuses are pretty stellar, too, including a free award night each year after your card renewal month for hotels participating in the Marriott Bonvoy program (certain hotels have resort fees; redemption level up to 85,000 points).

Pros

• The long list of perks and credits may appeal to frequent travelers and those who enjoy luxury experiences.
• Hotels participating in the program will allow you to book with a combination of cash and points.

Cons

• Most redemption options outside of hotel stays devalue your points.
• Most travel credit cards charge annual fees, but this card’s $650 annual fee is very high.

Bottom Line

If you’re a frequent Marriott Bonvoy guest who values the finer things, the Marriott Bonvoy Brilliant American Express card is full of perks for you.

Highlights

• Earn 185,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
• $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
• With Marriott Bonvoy Brilliant® American Express® Card Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
• Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
• Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
• Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant 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.
• $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $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.
• Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
• Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
• No Foreign Transaction Fees on international purchases.
• With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• $650 Annual Fee.
• Terms Apply.

Rates & Fees

Hilton Honors American Express Surpass® Card

Our rating: 4.5 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Rewards rate

12X Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
6X Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
4X Earn 4X Points for each dollar on U.S. Online Retail Purchases.
3X Earn 3X Points for all other eligible purchases on your Card.

At A Glance

Intro offer Earn 130,000 points More information Close Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Annual fee $150 Regular APR 20.99% - 29.99% variable

Recommended credit 670-850 (Good to Excellent) More information Close CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating: 4.5 More information Close Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Why we like this card

You don’t have to wait long to see your Bonus Points pile up with this card, thanks to the welcome offer. After making $3,000 in eligible purchases within the first six months of card membership, you’ll earn 130,000 Hilton Honors Bonus Points. You’ll also receive a free night reward after spending $15,000 in a calendar year. With so many opportunities to earn points, it’s easy to see why this card is our pick for Hilton Bonus Points.

Pros

• You’ll earn Hilton Honors Bonus Points on both direct Hilton purchases and everyday purchases at U.S. supermarkets, U.S. restaurants and U.S. gas stations.
• You’ll receive automatic Gold Hilton status, which gives you access to space-available room upgrades and complimentary breakfast.

Cons

• The $150 annual fee cuts into the overall value.
• Hilton doesn’t use a fixed rewards chart, so busy dates and destinations may cost you more Bonus Points.

Bottom Line

Hilton brand loyalists will find it easy to quickly earn free stays through the generous welcome bonus and the variety of ways to earn Bonus Points.

Highlights

• Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
• Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
• Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
• Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 4X Points for each dollar on U.S. Online Retail Purchases.
• Earn 3X Points for all other eligible purchases on your Card.
• Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
• Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
• 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.
• Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• $150 annual fee.
• Terms Apply.

Rates & Fees

On this page

• Our top picks
• Hotel credit card details
• What are hotel credit cards?
• Pros and cons
• How to choose a hotel credit card
• Make the most of your hotel card
• Our methodology
• Frequently asked questions

The information about the Citi Prestige® Card, the Hotels.com® Rewards Visa® Credit Card, Marriott Bonvoy Boundless Credit Card, World of Hyatt Credit Card and Marriott Bonvoy Bold Credit Card has been collected independently by CreditCards.com. The card details have not been reviewed or approved by the card issuer.

Comparing the best hotel credit cards

Editor’s picks: Hotel credit card details

Best for gas: Wyndham Rewards Earner® Plus Card

• Best features: This card’s terrific rewards rate in everyday categories including gas, groceries and dining mean it should be easy to rack up Wyndham points, even if you don’t spend a ton on travel and hotels. The card’s anniversary bonus is also valuable enough to nearly offset the annual fee on its own.
• Biggest drawbacks: The card’s sign-up and anniversary bonuses are on the low side compared to some other mid-tier hotel cards. Plus, you can only redeem points with Wyndham and its partners, severely limiting the card’s flexibility.
• Alternatives: The Chase Sapphire Preferred Card should offer comparable rewards value with much more flexible rewards (you can use points for travel, transfer to partner airlines and hotels or opt for cash back, to name a few redemption options). You’ll also get up to $50 back each year in statement credits for hotel stays booked through Chase Travel℠.
• Bottom line: This card is likely the best option out there if you’re looking for an easy way to earn Wyndham-specific points and perks, especially if gas makes up a big portion of your budget. Read our full Wyndham Rewards Earner Plus Card review.

Best for Hilton Honors Silver Status: Hilton Honors American Express Card

• Best features: The welcome offer of this card is impressive, as are the ongoing rewards and there’s no annual fee. You’ll earn 80,000 Hilton Honors bonus points after you spend $2,000 in purchases in the first six months. For base rewards, you earn 7X points on eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5X points on U.S. restaurant, U.S. supermarket and U.S. gas station purchases and 3X points on general purchases.
• Biggest drawbacks: The transfer rate for points to airlines isn’t the greatest.
• Alternatives: For a $150 annual fee, the Hilton Honors American Express Surpass card comes with more benefits than the Hilton Honors American Express card, including a free weekend night each year you spend $15,000, and automatic gold status.
• Bottom line: The Hilton Honors American Express Card offers complimentary Silver status, meaning you can automatically receive a 15% bonus on all the Hilton Honors Base Points you earn from Hilton hotel stays. Plus, you get express check-in and late check-out, which is a great perk for any traveler.

Best for balance transfers: Wyndham Rewards Earner® Card

• Best features: This is one of the only no-annual-fee hotel cards that offers an intro APR on balance transfers. It’s also one of the few to come with an annual bonus (7,500 points each anniversary year after you spend $15,000 on eligible purchases). These bonuses are typically only available on mid-tier hotel cards that charge an annual fee.
• Biggest drawbacks: This card leaves a lot to be desired when it comes to flexibility since points can only be redeemed with Wyndham and its partners (all of which have very poor transfer ratios). The card’s anniversary bonus spending requirement is also relatively high, so the card may not be a great fit if you don’t plan on using it as your primary rewards card.
• Alternatives: The Wyndham Rewards Earner Plus Card could end up being more valuable overall, despite its $75 annual fee. It not only offers a higher rewards rate in all of the Earner card’s bonus categories, but also a higher sign-up bonus and the same anniversary bonus with no spending requirement.
• Bottom line: Occasional travelers who want to earn Wyndham perks and points while avoiding an annual fee should enjoy solid value with the Earner card.

Best for luxury travel perks: The Platinum Card® from American Express

• Best features: You’ll automatically receive Gold status with Hilton Honors and Marriott Bonvoy Gold elite status, both of which can net you room upgrades upon check-in where available (enrollment required for both benefits). Cardholders earn 5X points on flights booked directly with an airline or through American Express Travel (capped at up to $500,000 in these purchases per calendar year), 5X points on eligible prepaid hotels booked with American Express Travel, and 1X points on general purchases. As a welcome offer, you can earn 80,000 points if you spend $8,000 on purchases in your first six months of card membership.
• Biggest drawbacks: The annual fee on The Platinum Card from American Express is a whopping $695 , which is higher than some other luxury travel cards.
• Alternatives: The American Express® Gold Card charges a lower annual fee and its high rewards rate in everyday purchase categories means you may be able to earn rewards much faster than with the Platinum card. Cardholders can earn 4X points at restaurants worldwide (up to $50,000 per calendar year, then 1X point) and U.S. supermarkets (up to $25,000 per calendar year in U.S. supermarket purchases, then 1X point), 3X points spent on flights booked with AmexTravel.com or directly through the airline, as well as 1X point on general purchases.
• Bottom line: This card is packed with travel features that make it worth your while if you feel the need to travel in style, like airport lounge access and complimentary benefits with Fine Hotels & Resorts. There’s also up to a $200 airline fee statement credit per calendar year (in baggage fees and more at one qualifying airline) and up to a $100 statement credit on annual purchases at Saks Fifth Avenue (enrollment required for both benefits).

Best for travel miles: Discover it® Miles

• Best features: Not only will Discover match all of the miles you earn at the end of the first year of account opening automatically, but you can also earn unlimited 1.5X miles for every dollar spent on all purchases, making this card our top pick for best travel miles.
• Biggest drawbacks: This card offers a ton of first-year value thanks to its generous first-year bonus, but after the first 12 months, the benefits decrease greatly. Also, you can’t transfer miles you’ve earned to airline loyalty programs, so you may need to sacrifice a lot of value you might find with other cards.
• Alternatives: Though it earns slightly less per dollar spent, the Capital One VentureOne Rewards Credit Card is similar to the Discover it® Miles except that it allows you to transfer your miles directly to its many international airline and hotel partners. Although the list might not include airlines you travel frequently with, it does provide added flexibility for you to plan a trip.
• Bottom line: With this general-purpose travel credit card, there are a plethora of ways to redeem the miles that you earn, including hotels, car rentals and public transportation.

Best for IHG hotel stays: IHG One Rewards Premier Credit Card

• Best features: You’ll automatically receive platinum elite status with IHG. That comes with late checkout, guaranteed room availability, a 60%-point bonus on hotel stays, room upgrades when available and more. You’ll also earn up to 26X total points per $1 spent on IHG Hotels and Resorts, 5X points per $1 spent on travel, at gas stations, and restaurants, and 3X points on other purchases. As part of a big sign-up bonus, you can earn 5 Free Nights (each free night valued up to 60,000 points) after spending $4,000 on purchases in the first three months of account opening. There’s also an annual bonus of 10,000 points available each anniversary year you spend $20,000 and make one additional purchase.
• Biggest drawbacks: There’s an $99 annual fee. As with most co-branded hotel credit cards, you won’t really reap the rewards if you don’t frequent IHG hotels.
• Alternatives: The Hilton Honors American Express Surpass card charges a slightly higher annual fee ($150), but offers a ton of extra perks, including up to $200 in statement credits each year on eligible direct Hilton Hotel purchases (up to $50 in statement credits each calendar quarter). That’s enough to offset the annual fee all on its own and could be more appealing to occasional travelers than a general travel bonus category.
• Bottom line: This card touts a large sign-up bonus, generous rewards rate and a free night each year at a participating IHG hotel on your membership anniversary, offering a lot of value to the chain’s loyal guests.

Best for luxury Marriott travelers: Marriott Bonvoy Brilliant® American Express® Card

• Best features: You can rack up Marriott Bonvoy points quickly thanks to the card’s high rewards rate on both travel and the popular bonus category of restaurants. You can also earn 185,000 Marriott Bonvoy bonus points after you make $6,000 in purchases within the first six months of card membership. You’ll also get a Free Night Award with a redemption level up to 85,000 points at hotels participating in the Marriott Bonvoy program each year after your card renewal month (certain hotels have resort fees).
• Biggest drawbacks: You’ll have to use your free anniversary night certificate quickly as it expires after 12 months. There’s a hefty $650 annual fee for this premier Marriott Bonvoy credit card, which is hard to recoup if you’re not a Marriott diehard. Plus, Marriott points are worth around 0.7 cents each based on Bankrate’s valuations. While this is a decent value for hotel rewards, you’ll want to take that into consideration when you look at how many points you accrue compared to with a general rewards card†.
• Alternatives: For those who want to stick to a Marriott Bonvoy branded card but don’t want to shell out $650 for the annual fee, the Marriott Bonvoy Boundless Credit Card makes for an excellent alternative. Cardmembers receive automatic Silver Elite status along with a generous intro bonus.
• Bottom line: This top-tier Marriott Bonvoy credit card touts luxury benefits, including automatic Platinum elite status, a statement credit towards Global Entry or TSA Precheck and complimentary Priority Pass Select membership, which gives you access to more than 1,200 airport lounges, restaurants and Minute Suites worldwide.

Best for Hilton bonus points: Hilton Honors American Express Surpass® Card

• Best features: Your non-hotel spending is mightily rewarded, so purchases in categories other than travel can help you earn points. You’ll also receive automatic Gold status with Hilton Honors with the chance to receive an upgrade to Diamond elite status through the end of the next year after a $40,000 spend in a calendar year.
• Biggest drawbacks: Hilton Honors points valuation is only 0.6 cents per point† which is a lower value than Marriott Bonvoy points. As such, the inflated amount of points you earn from spending may make the card seem more lucrative than the estimated redemption value of its rewards implies.
• Alternatives: You’ll still get Silver status with the Hilton Honors American Express Card which doesn’t charge an annual fee and still offers a decent rewards rate.
• Bottom line: Hilton Honors American Express Surpass Card is our top pick for Hilton bonus points. You’ll be awarded a Free Night Reward after spending $15,000 in a calendar year. You can also earn 130,000 Hilton Honors bonus points after you spend $3,000 in eligible purchases within your first six months of membership.

Best for Hyatt enthusiasts: World of Hyatt Credit Card

• Best features: You’ll get automatic Discoverist Elite Status, which includes late checkout, premium Wi-Fi, a free bottle of water every day, room upgrades when available and more. The current welcome offer is uniquely generous, offering 30,000 bonus points if you spend $3,000 in your first three months. You’re also eligible for up to 30,000 more bonus points by earning 2X points on purchases that normally earn 1X point, for up to $15,000 in your first six months.
• Biggest drawbacks: There’s a $95 annual fee, though you can offset this by taking advantage of the card’s perks. The Hyatt hotel network is also smaller than those of the Hilton Honors and Marriott Bonvoy loyalty programs, limiting your travel options a bit.
• Alternatives: The Chase Sapphire Preferred Card also has an annual fee of $95 but isn’t affiliated with a hotel loyalty program, which means the points you earn can be used at a broader swath of properties around the world. Points could also be used for a variety of travel purchases, not just hotel stays.
• Bottom line: Despite its cost and smaller hotel network, this is one of the most lucrative hotel credit cards on the market, given the potential value of World of Hyatt points, the generous welcome offer and the bevy of perks you’ll enjoy as a cardholder.

Best for free night awards: Marriott Bonvoy Boundless® Credit Card

• Best features: Earn 5 Free Night Awards (each night valued up to 50,000 points) after spending $5,000 on purchases in your first three months. You earn 6X points at participating Marriott Bonvoy hotels and 2X points on general purchases.
• Biggest drawbacks: The Marriott Bonvoy Boundless doesn’t waive the $95 annual fee the first year — a perk available on some other hotel rewards cards.
• Alternatives: The Marriott Bonvoy Brilliant American Express Card offers a similar annual bonus along with Priority Pass airport lounge access (enrollment required), and automatic platinum elite status.
• Bottom line: With 15 Elite Night credits per calendar year, a Free Night Award every year after your account anniversary and a generous rewards structure, this card is fantastic for earning free nights – especially if your account anniversary benefits roll over in time for your next trip.

Best no annual fee card for Marriott loyalists: Marriott Bonvoy Bold® Credit Card

• Best features: Marriott loyalists can rack up Bonvoy points via a generous welcome offer and decent base rewards rate without having to pay the pricey annual fees associated with the hotel chain’s other co-branded credit cards.
• Biggest drawbacks: Marriott cards earn points at inflated rates but points are worth just 0.8 cents each† and redemption options outside of room awards generally have poor value. Depending on how often you travel, you might be better served by one of the premier Marriott Bonvoy credit cards. (Learn how to determine what Marriott card is right for you.)
• Alternatives: The Hilton Honors American Express Card offers a higher rewards rate with 7X points on Hilton hotel stays, 5X points at U.S. restaurants, U.S. gas stations and U.S. supermarkets and 3X points on other eligible purchases. Plus you still get automatic Silver status without paying an annual fee.
• Bottom line: You’ll earn a generous welcome offer with no annual fee. As base rewards, you earn 3X points at participating Marriott Bonvoy hotels, 2X points at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services, and 1X points on other purchases.

Best for sign-up bonus: Chase Sapphire Preferred® Card

• Best features: Its generous 5X points on travel purchased through Chase Travel℠, 3X points on dining and 2X points on other travel, coupled with Chase Travel℠ 25% redemption boost, make this card a choice value for travelers. You’ll also receive 1X points on general purchases.
• Biggest drawbacks: Less frequent travelers might not want to pay this card’s $95 annual fee, not waived the first year.
• Alternatives: Very frequent travelers, conversely, might want to consider the Chase Sapphire Reserve, which comes with beefed-up benefits, including a $300 annual credit for eligible travel purchases, in exchange for a pricey $550 annual fee. (Learn how to decide between the Chase Sapphire Preferred and the Chase Sapphire Reserve.)
• Bottom line: The Chase Sapphire Preferred is at the top in flexibility, with a 25% bonus on travel bookings through the Chase Travel℠ portal, and 1:1 redemption on many travel partners. Ultimately, Sapphire Preferred is a great long-term rewards card, should you be saving rewards for a future getaway.

What are hotel credit cards?

Hotel credit cards are often co-branded cards, but they could also be everyday rewards cards that happen to earn generous rates for hotel stays. The right branded hotel card for you will reward you for loyalty to the brand you prefer or stay most frequently with, as well as reward you for loyalty to airline and car rental partners. In some cases, you are rewarded for using the card on everyday purchases, such as grocery stores, gas stations and restaurants.

How do hotel credit cards work?

With a hotel credit card, you can get rewarded with points for your purchases and eventually turn those points into discounts, exclusive experiences or a free night here and there. On top of the purchase rewards, loyal travelers can take advantage of numerous hotel benefits with the right card.

Some hotel credit cards come with sign-up bonuses, ongoing rewards and special perks, depending on the category of membership that you qualify for. Others even give annual bonuses to reward their long-standing guests. When it comes time to exchange your points, rewards programs usually offer a different redemption amount depending on the category of hotel property you choose.

Credit cards that allow redemptions for hotel stays include co-branded cards and general-purpose cards. While co-branded cards reward loyalty for spending at the specified hotel chain, general-purpose travel cards reward you for a variety of spending on a number of airline and hotel brands.

Pros and cons of hotel credit cards

Hotel credit cards can bring a ton of value to the right traveler, but there are reasons some guests should think twice before checking in with a new card. See below for the advantages and disadvantages of hotel cards:

Pros

• Free night rewards: An undoubtedly valuable feature for frequent travelers, many hotel credit cards will give out free nights stays as a sign-up or anniversary bonus, or you can accumulate points to then redeem for a hotel stay.
• Loyalty status: Hotel cards offer ways for guests to climb certain chains’ loyalty programs faster, giving an expedited route to elite status and the exclusive benefits that come with it. Sometimes there are stipulations, but select cards may boost your status just for signing up.
• Substantial sign-up bonuses: With many hotel credit cards, you can get a massive amount of points soon after opening your account and spending the required amount in a certain timeframe. This creates a great opportunity to immediately feel the impact of your new card.
• Sweeten your stays: Some hotel cards come with perks that’ll improve both your hotel stays and vacations, such as free wi-fi, concierge service, complimentary items, VIP entertainment, pre-sale access to exclusive events and more.

Cons

• Annual fees: Hotel cards offer plenty of high-end benefits, so it’s no surprise that they typically come with a cost. You can find affordable options, but some hotel cards have yearly fees as high as $500 to $700.
• Travel restrictions: There are plenty of exceptions that give you some leash on who you book with and when you want to travel, but some hotel cards can be restraining when it comes to blackout dates, using your rewards, busy seasons and size of rooms available.
• Lack of flexibility: There can be more options for redemptions with general rewards cards. Hotel credit cards are often co-branded with hotels that limit your rewards to that particular chain, which keep you stuck to a certain travel network.

How to choose a hotel credit card

Hotel cards often come loaded with attractive benefits and seemingly lucrative welcome offers. It can be tempting to leap headfirst at the card with the biggest bonus, but make sure it’s a good match for your financial profile and travel style. Make realistic assessments of how often you travel, reasons for traveling, your budget, and consider hotel chains that align with your needs. If you’re not sure if a hotel credit card is even right for you, consider these traits:

Who should get a hotel credit card

• The business traveler. If you often travel to a specific area, you may have the opportunity to frequent the same hotels. You can maximize your savings by pulling your hotel card out whenever you travel on business.
• The loyal traveler. If you are loyal to, for example, Hilton, then look at the Hilton cards to see which one suits your travel habits best, such as the Hilton Honors suite through American Express.
• The luxury traveler. You can enjoy a bevy of fine benefits like complimentary breakfast and refreshments, room upgrades, elite status benefits and free night rewards with some luxury hotel or general travel rewards cards.

Who should skip a hotel credit card

• The homebody. If you don’t do much traveling or rarely stay in hotels, you won’t get much use out of a hotel credit card and its full range of benefits. And don’t think that suddenly having a hotel card in your wallet will motivate you to travel more. If you don’t travel now, a credit card won’t change matters. For those who love to travel but do so infrequently, you may find more value with a general travel card that lets you earn rewards on routine expenses.
• Airbnb enthusiasts. If you prefer to stay at Airbnbs when you travel, then a hotel rewards card can’t do much for you. Few hotel cards earn boosted rewards for purchases made with Airbnb, so frequent Airbnb guests won’t get to enjoy many of the key perks and benefits typically associated with branded hotel credit cards.

How to make the most of your hotel credit card

• Join hotel loyalty programs. Hotel loyalty programs work similarly to hotel credit cards: Enroll and you can earn points or credits on your stays that you can use to book future stays. Some brands also offer elite status to members after they spend a certain amount at its hotels. An added bonus for signing up? Elite status generally entitles you to free perks and extra benefits, including room upgrades, early check-in, late checkout, free Wi-Fi and complimentary water or snacks.
• Rack up credit card rewards. As we mentioned earlier, hotel credit cards let you earn points that you can redeem for free stays. Some of the best hotel credit cards offer a free stay on your account anniversary and many of them come with welcome offers that let you earn the equivalent of one free night or more if you spend a certain amount of money on your card within your first few months.
• Pool your points. If you want to earn free hotel stays faster, look into whether you can pool points earned across credit cards. For instance, Chase will let you combine the points you earn across cards in its network through its Ultimate Rewards program. So, if you have points with the Chase Sapphire Reserve, for instance, you can combine them with any points earned with the Chase Freedom Unlimited® before you redeem. More often than not, you can also combine points earned with a travel credit card with points earned through a hotel’s loyalty program to hit redemption thresholds and book award nights more quickly.
• Stay at least four nights. Many hotel loyalty programs or hotel credit cards also offer a free night to members who book a certain number of consecutive nights with their points. The Citi Prestige® Card, for instance, lets cardholders get their fourth night free on any hotel stay (offer capped at two uses per year). Meanwhile, both Marriott Bonvoy and elite Hilton Honors members are eligible for a fifth night free (terms apply). Sometimes, you don’t need to have a hotel credit card or even belong to a hotel loyalty program to get a fifth or fourth night free. Hotels frequently offer discounts on longer stays. You can look for these deals on their websites or call the hotel directly to inquire about current fourth- or fifth-day-free promotions. Learn more strategies for scoring free hotel stays.

How we picked the best hotel credit cards

With so many branded options, selecting which hotel card best accommodates your spending habits can be difficult. That’s why we analyzed over 340 travel credit cards to identify the top hotel credit card offers currently on the market. The main factors we considered include:

• Base rewards rate and points value: Co-branded hotel credit cards can offer anywhere between 3X and 10X points on brand purchases. General purpose travel cards offer between 1.25X and 2X rewards on general purchases. We looked at where a card’s return rate fell in those applicable categories. We also considered how much points were worth within a hotel’s loyalty program or the issuer’s rewards program.
• Welcome bonus and/or anniversary bonus: The best hotel credit cards often offer extra points worth a free night’s stay or simply a free night’s stay in exchange for spending a certain amount of money on the card within a set timeframe, usually your first three months. Some also offer a free night or big bonus points on your account anniversary. We more heavily weighted cards that touted these benefits.
• Ancillary perks and amenities: Common “extras” associated with top hotel credit cards include elite status within the brand’s loyalty program, which entitles you to room upgrades, free Wi-Fi, late checkout, early check-in, complimentary bottles of water and more.
• Rates and fees: Hotel credit cards are rewards credit cards, which tend to carry higher APRs than low interest credit cards. They also sometimes charge an annual fee for membership. We still considered whether the APR was reasonable for this card category and if an annual fee was justified or easily recouped via the card benefits.

Full criteria used: Rewards rates, rewards categories, welcome bonuses, size of hotel network, transfer partners, point values, other travel benefits, annual fee, other rates and fees, redemption options and flexibility, customer service, credit needed, elite status, ability to upgrade and downgrade.

† All information regarding credit card point valuations is provided by The Points Guy

Additional information on hotel credit cards

• Tips for choosing a hotel credit card
• All hotel credit card reviews
• Best no annual fee hotel credit cards
• Ways to get free hotel stays

Frequently Asked Questions

Do hotel points expire? + –

Typically, points for hotel-brand loyalty programs can expire if you don’t keep the account active, but there are a number of ways to make sure that doesn’t happen. By keeping your accounts active, the points won’t just go away. Fortunately, many hotel loyalty programs have extended their perks for cardholders waiting to use their rewards. Here are top brands and their expiration policies:

Hotel loyalty programs’ points expiration policies

Source: CreditCards.com research

Can hotel credit card points be used for flying? + –

You can, in certain cases, transfer your hotel points to an airline partner and fly with those points. There are advantages to marrying airlines with hotel cards, such as bonuses for transferring points and purchasing airline tickets. However, using points for flying can sometimes come with disadvantages as the transfer may not be the best redemption option for your hard-earned hotel card points. It’s important to research and be fully aware of the hit that your points could take when transferring them for a flight.

Which credit cards offer free hotel stays? + –

There are a number of ways to earn free hotel stays, including through earning points via welcome offers and ongoing rewards. In addition, some hotel credit cards reward you with free stays by meeting a minimum spend each year or continuing to hold your card. Here are leading hotel cards that reward you beyond the points you earn.

• Hilton Honors American Express Surpass® Card: Earn a Free Night Reward after you spend $15,000 in a calendar year.
• Marriott Bonvoy Boundless Credit Card: Earn a free night award (up to 35,000 points) every year after account anniversary.
• Hilton Honors American Express Card: With Hilton Honors Silver Status, you’ll get your 5th standard reward night free.
• World Of Hyatt Credit Card: Receive 1 free night at any category 1-4 hotel each year after your cardmember anniversary. Receive an additional free night at a category 1-4 hotel after spending $15,000 in a year.

About the Author

Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She has previously served as the Head of Content at Policygenius, Executive Editor of Credit.com, Deputy Editor at American Banker, Staff Reporter at TheStreet and a columnist for Inc. Magazine.

About the Editor

Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.

About the Reviewer

Stephanie Zito is a professional traveler, humanitarian and credit card points collector sharing savvy travel tips she has learned firsthand from more than 20 years of circling the globe as a backpacker, expat and premium traveler in more than 125 countries and all seven continents.

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