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 travel rewards card that lets you redeem points for hotel expenses.

See the best hotel rewards credit card offers from our partners below. If you aren't loyal to one hotel brand, consider a flexible travel rewards card that lets you redeem points for hotel expenses.

Expedia®+ Voyager Card from Citi

Apply Now Credit Needed
Excellent Credit
  • Earn 25,000 Expedia+ bonus points after $2,000 in purchases within 3 months of account opening*
  • Points redeemable for $350 towards your stay at a +VIP Access™ hotel
  • 4 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages*
  • 2 Expedia+ bonus points per $1 spent on dining out and entertainment*
  • 1 Expedia+ bonus point per $1 spent on other purchases*
  • Enjoy Expedia+ gold status each year of cardmembership*
  • $100 Annual Air Travel Fee Statement Credit can be used toward airline incidentals or for either the Global Entry or the TSA Pre √® application fees*
Apply Now at Citi's
secure site
Purchases Intro APR
Balance Transfers Intro APR
Regular APR
15.24% - 23.24%* (Variable)
Annual Fee
Credit Needed
Excellent Credit

Comparing Credit Cards for Hotel Points

Updated: March 15, 2018

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 programs with ample perks for loyal guests.

Hotel credit cards, like airline cards, pair a travel brand with a bank, encouraging loyalty. They are a great way to build points on a specific loyalty brand. But, it’s important to make sure you are going to spend enough to benefit from the card. We researched over 20 co-branded hotel cards and over 50 more general travel rewards cards, using a lot of the criteria outlined in this guide, to get down to our list of the best hotel cards. Strong rewards values, sign-up bonuses, and flexible redemption options were a big factor in our choices. Here, we look at:

Whether you are wondering how hotel cards work or you want to know who should get one, we can help.'s best hotel credit cards of 2018

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
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
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."

How hotel credit cards work

  • Apply. Make sure you have a high enough score to likely land the card.
  • Sign-up bonus. Most hotel cards have a sign-up bonus, which are often excellent.
  • Ongoing rewards. Check the points valuations to make sure you’ll benefit.
  • Redemptions. You might be able to use points through partnerships.
  • Benefits. You might get early check-in, late check-out or free breakfast, depending on the card.
  • Maintaining account. Make sure you don’t carry a balance to avoid interest charges. And pay on time to avoid late fees.

Pros and cons of hotel cards

Pros of Hotel Credit CardsCons of Hotel Credit Cards
Build creditCan impact credit if paid late
Great for loyaltyMay be limited in how points can be used
Generous sign-up and rewardsPoints may not be as rewarding as other card types
Nice benefitsMay require high annual spend

Who should get a hotel card?

  • Are you brand-loyal? Make sure it’s a card that partners with a brand you’ll love and use.
  • Do you travel often? These cards are ideal for someone who will use the card’s rewards fully.
  • Do you like to maximize points? There are some tricks to taking full advantage of a hotel- or airline-branded card. You’ll want to ensure you’ll fully enjoy the card.
  • Is the annual fee worth your while? The annual fee can cut into your rewards, so stay mindful of that.
  • Will you spend enough? A fair amount of spending is likely required, $1,000 or more, depending on the rewards and annual fee.

How to compare two hotel credit cards

  • The brand. Make sure the cards are associated with brands you will actually use.
  • Sign-up bonus. Compare the sign-up bonus, as well as the ongoing rewards.
  • Points valuations. It’s easy to become enamored with high sign-up or ongoing points, but you need to look at how those points compare.
  • Benefits. Hotel cards often offer features that are not apparent at first glance. For example, you might be able to get free breakfast for two or free late check-out.
  • Annual fee. The annual fee can cut into your rewards, so check to make sure it’s worth your while.

Related Travel and Rewards Card Categories:

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

Recap: Best Hotel Credit Cards of 2018

CardBest For:Hotel Rewards RateSign-Up Bonus?Annual Fee
Capital One® Venture® Rewards Credit purchases10 miles per dollar spent at$0 first year, then $95
Chase Sapphire Preferred® CardFlexible travel rewards2x points on travelYes$0 first year, then $95
Hilton Honors Ascend Card from American ExpressHilton customers12x points at Hilton propertiesYes$95
Capital One® VentureOne® Rewards Credit CardNo annual fee10 miles per dollar spent at$0
Bank of America® Travel Rewards Credit CardEasy to hit sign-up bonus1.5 points per dollar on all purchasesYes$0
IHG® Rewards Club Select Credit CardIHG hotel stays5 points per dollar spent at IHG hotelsYes$0 first year, then $49
Marriott Rewards® Premier Credit CardHotel redemption variety5 points per dollar at Marriott and SPG hotelsYes$0 first year, then $85
The Hyatt Credit CardHyatt stays3 Bonus Points for every dollar spent at Hyatt hotelsYes$75
The Platinum Card® from American ExpressMembership Rewards® points multiplier5x Membership Rewards® points on hotels booked on amextravel.comYes$550
Starwood Preferred Guest® Credit Card from American ExpressStarpoints bonus2 Starpoints per dollar of eligible purchases at participating SPG® & Marriott Rewards® hotelsYes$89, waived first year

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