Hotel Credit Cards

Do you live for continental breakfast and mints on your pillow? Earn complimentary stays and room upgrades at your favorite hotel chain with a hotel credit card. Like to hotel hop? If you aren't loyal to one hotel brand, consider a flexible rewards card that lets you redeem points for hotel expenses.

See offers from our partners below.

Apply Now Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • New! Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
14.24% - 24.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

7,243 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Apply Now at Chase's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 24.24% Variable
Annual Fee
$0 Intro for the First Year, then $95
Credit Needed
Excellent/Good

IHG® Rewards Club Select Credit Card

Apply Now Credit Needed
Excellent Credit
  • Earn 60,000 bonus points after spending $1,000 on purchases within the first three months of account opening
  • Enjoy a Free Night after each account anniversary year at over 5,000 hotels worldwide
  • Earn 5 points per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Platinum Elite status as long as you're a Select credit cardmember
  • Automatic 10% points rebate on redemptions
  • $0 Introductory Annual Fee for the first year, then $49 a year
Apply Now at Chase's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 24.24% Variable
Annual Fee
$0 Intro for the First Year, then $49
Credit Needed
Excellent Credit

Capital One® VentureOne® Rewards Credit Card

Apply Now Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • New! Earn unlimited 10x miles on hotels when you pay with your VentureOne card at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.24%-23.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Apply Now at Capital One's
secure site
Purchases Intro APR
0% intro on purchases for 12 months
Balance Transfers Intro APR
N/A
Regular APR
13.24% - 23.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good

The Hyatt Credit Card

Apply Now Credit Needed
Excellent Credit
  • Earn 40,000 Bonus Points after you spend $2,000 on purchases with the Hyatt Credit Card in the first 3 months after account opening.
  • Get 5,000 Bonus Points after you add an authorized user to your account and make a purchase with your card during the first 3 months as a cardmember.
  • Plus, receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
  • Get Bonus Points on every purchase. Free nights start at just 5,000 points.
  • 3 Bonus Points for every $1 spent at Hyatt hotels and resorts.
  • 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines and at car rental agencies, Plus 1 Bonus Point per $1 spent on purchases elsewhere.
  • Keep all the points you earn - your points do not expire as long as your Hyatt Credit Card account is open.
  • As a Hyatt Cardmember, you'll enjoy Discoverist status in World of Hyatt for as long as your Hyatt Credit Card account is open.
Apply Now at Chase's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 24.24% Variable
Annual Fee
$75
Credit Needed
Excellent Credit

Hilton Honors Ascend Card from American Express

Apply Now Credit Needed
Good, Excellent
  • Earn 75,000 Bonus Points after you spend $2,000 in purchases with your new Card within the first 3 months of Card Membership.
  • Plus, earn an additional 25,000 Bonus Points after you make an additional $1,000 in purchases with your new Card within your first 6 months.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your 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.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.99%-25.99% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
See Rates & Fees

The Platinum Card® from American Express

Apply Now Credit Needed
Excellent/Good
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Up to $200 for Uber rides annually. Credit and Uber VIP status available to Basic Card Member only.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$550
Credit Needed
Excellent/Good
See Rates & Fees

Starwood Preferred Guest® Credit Card from American Express

Apply Now Credit Needed
Excellent/Good
  • Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Planning a road trip? Rent your car, fill up your tank, book your hotel, and pay for it with your American Express® Card.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.49%-20.49% Variable
Annual Fee
$0 introductory annual fee for the first year, then $95.
Credit Needed
Excellent/Good
See Rates & Fees

The Business Platinum® Card from American Express OPEN

Apply Now Credit Needed
Excellent Credit
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 6/2017
  • Terms Apply
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$450
Credit Needed
Excellent Credit
See Rates & Fees

The Amex EveryDay® Credit Card from American Express

Apply Now Credit Needed
Excellent/Good
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
0% on purchases for 15 months
Balance Transfers Intro APR
0% on balance transfers for 15 months
Regular APR
14.24%-25.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Comparing Credit Cards for Hotel Points

Updated: February 20, 2018

CreditCards.com's Best Hotel Credit Cards of 2018:

  • Capital One® Venture® Rewards Credit Card
  • Chase Sapphire Preferred® Card
  • IHG® Rewards Club Select Credit Card
  • Capital One® VentureOne® Rewards Credit Card
  • The Hyatt Credit Card
  • Hilton Honors Ascend Card from American Express
  • The Platinum Card® from American Express
  • Starwood Preferred Guest® Credit Card from American Express
  • The Business Platinum® Card from American Express OPEN
  • The Amex EveryDay® Credit Card from American Express

What Our Experts are Saying

Rebecca Lake, personal finance writer
Favorite hotel card: Club Carlson Premier Rewards Visa Signature card
"The Club Carlson Premier Rewards Visa Signature card offers the best all-around combination of a high rewards rate for hotel purchases, above-average rewards for everyday purchases and a generous introductory points bonus."

Johnny Jet, travel expert
Favorite hotel card: Starwood Preferred Guest credit card
“The Starwood Preferred Guest card is easily the winner because their points are so valuable. They give you the fifth night free and they don’t have blackout dates.”

Holly Johnson, personal finance expert
Favorite hotel card: Starwood Preferred Guest credit card
“The top hotel credit card out of the three contenders is the Starwood Preferred Guest Credit Card from American Express, and it's not even close. Not only does this card offer a generous sign-up bonus, but you get added perks at Starwood hotels like free premium internet service.”

Matt Schulz, senior industry analyst at CreditCards.com
Favorite hotel card: Starwood Preferred Guest credit card
“For me, a great rewards card is all about flexibility. That’s what separates the Starwood card from the rest and makes it a card I recommend and personally carry.”

Daniel Ray, Editor-in-Chief at CreditCards.com
Favorite hotel card: Starwood Preferred Guest credit card
"The other best-in-breed hotel cards have a lot going for them, but my choice has to be the Starwood Preferred Guest Card from American Express. The reason can be summed up in one word: flexibility."

Full Details on Hotel Credit Cards

A great hotel card can help you log free hotel nights, add a touch of luxury to your hotel stays and even take the stress out of travel with convenient perks and upgrades. Many hotel cards combine generous rewards with ample perks for loyal guests.

Premium hotel cards, in particular, have cultivated a reputation for offering some of the most coveted benefits you can get with a credit card, including airport and hotel lounge passes, free room upgrades when available, early and late checkout, free breakfast at in-house restaurants, complimentary internet access and bonus nights at the hotel of your choice. Some hotel cards also let you transfer your rewards on a one-to-one basis to a range of frequent flyer programs, amplifying the card’s rewards value.

Here, we look at:

  • How hotel credit cards work
  • Pros and cons of hotel credit cards
  • Who should get a hotel credit card?
  • How to compare two hotel credit cards

How hotel credit cards work

  • Co-branded cards: Most hotel cards, called co-branded products, are aligned with specific hotel companies, such as Starwood or Marriott. These cards reward you for loyalty to specific brands, giving bonus points for spending at properties and sign-up bonuses in the hundreds of dollars. In some cases, the brand will have partnerships with airlines or other companies that you can benefit from.
  • General purpose cards: Some travel cards reward you for a variety of spending that you can use on a number of airline and hotel brands. In some cases, your points are boosted for using a travel portal operated by the card issuer, such as the Chase Ultimate Rewards portal.
  • Other benefits: Hotel cards often offer benefits such as early check-in, late check-out, breakfast and other features. You might also get a free night every year or for every certain number of stays you book.

Pros and cons of hotel cards

Pros

  • Getting rewarding benefits. David Bakke of Money Crashers points out that the big advantage of hotel credit cards is the rewards program. You can earn everything from points good for purchases and statement credits to free nights and room upgrades.
  • Finding a strong sign-up bonus. Many of the available hotel cards offer sign-up bonuses in which you spend a certain minimum within a specific amount of time, usually 3 months or 90 days, and in return, you earn thousands of points, which can be worth hundreds of dollars.
  • Enjoying credits for other brands. As Bakke points out, some hotel cards allow you to convert points into credits for flights as well.

Cons

  • Paying an annual fee. Most hotel cards have an annual fee, which you need to be aware of, because if you don’t pay full attention to your spending and earning, you can actually end up spending more than you save.
  • Finding that the card is of limited use. Bakke points out that some cards’ rewards are only good at the brand’s hotels, limiting how you use the card’s points. A hotel card may not be the best choice if you aren’t supremely loyal to a single brand, in this case.
  • Varying points valuations. It may not be readily apparent how much your card’s points are worth. The Points Guy looks at points valuations for the different brands that will help inform your decision.
  • Carrying a balance. If you carry a balance, you defeat the purpose of a rewards card. Plan to not pay in full each month? Don’t get a hotel card.

Who should get a hotel card?

  • If you travel often for business. With the right hotel card, you can maximize your savings by pulling the card out whenever you travel on business.
  • If you have a favorite hotel brand. If you are loyal to say, Hilton, then look at the Hilton cards that are available to see which one suits your travel habits best.
  • If you enjoy playing the points game. Hotel cards are great for people who like to take full advantage of rewards programs.
  • If you’ll enjoy the finer benefits. With the right hotel card, you can get early check-in, late check-out, breakfast, free bottles of water, room upgrades and other goodies.

How to compare two hotel credit cards

  1. Which is easier to earn points with? Daniel Wesley, of Credit Loan, points this out – study your spending habits to decide which card you are more likely to use.
  2. Which has fewer restrictions? Wesley notes that you need to be mindful of restrictions on usage as well as points redemption.
  3. Do the annual fees outweigh the potential perks? If so, don’t get the card.
  4. How useful are the rewards, really? Look at whether you are really going to have an opportunity to redeem the points, says Wesley.
  5. Am I familiar and comfortable enough with one hotel chain over the other? Look at which brand you are most loyal to, says Wesley.
  6. What are the points actually worth? Yes, 100,000 points seems like a lot, but you need to look at the cards’ points valuation to compare apples with apples. The Points Guy’s monthly points valuation assessment can help.

For more information and to see more cards, see our hotel credit card reviews.

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