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2020

Best Hotel Credit Cards

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Planning a vacation? Getting ready for a year full of business trips? A hotel credit card could help you travel in style and luxury, or at least shave a few bucks off your bill. With perks like free night stays, automatic hotel member status, and the ability to earn a wealth of reward points, hotel cards are some of the most lucrative credit cards available.

Best Hotel Credit Cards
Brendan Harkness

By Brendan Harkness

Our Selection Criteria

  • Annual fee that works for you: Pick a card that fits your travel plans and level of spending, but remember that high-end cards offer many cost-saving perks to reduce their effective annual fees.
  • A good rewards program: Not all reward programs are created equal. The best credit cards offer high reward rates for purchases, with decent point values when redeeming.
  • A sizable introductory bonus: Look for a large signup bonus to get you started earning points — these can often pay for a few hotel stays.
  • Free night stays: Free night stays, along with the next benefit below, are the bread and butter of hotel credit cards. Use them wisely and you can easily save hundreds of dollars per year.
  • Hotel status: Credit cards are an easy way to get an upgraded hotel status, which often comes with bonus points, free WiFi, and quality of life improvements like room upgrades, early check-in, and late check-out.
  • Valuable extra perks: The better hotel cards come with more cost-saving benefits like annual travel credits, or even complimentary access to airport lounges (usually via Priority Pass Select).
  • No foreign transaction fees: This isn’t a concern for domestic travel itineraries, but if you’ll be traveling outside the U.S. you should make sure your hotel card has no foreign transaction fees.
Is a Hotel Card Right for You?
Best Hotel Credit Cards
Brendan Harkness

By Brendan Harkness

Is a Hotel Card Right for You?

Hotel-branded cards come with some of the best rewards and benefits available on all credit cards, and frequent travelers who don’t take advantage of them are missing out.

How do perks like free night stays, automatic elite hotel status, and complimentary WiFi sound? What about room upgrades, early check-in, and late check-out?

Most of the major hotels offer co-branded cards that can be very valuable. If you stay at several hotels or resorts per year you could probably find an offer that will help save money and make your stays more comfortable, and may even turn a run-of-the-mill business trip into something worth writing home about.

The right hotel card for you will depend on the specific hotels you typically stay at. If you love Marriott, for example, look for a co-branded Marriott Bonvoy card. If you prefer Hilton or Radisson hotels, look for their co-branded cards. If you stay at a variety of hotels you might want a variety of credit cards as well, or you could just go with a general use card that could be used anywhere.

Ask yourself a few questions to help figure out which hotel card (or cards) you should apply for:

  • What’s my favorite hotel brand?
  • Which hotel brand will I stay with the most?
  • Am I trying to gain an elite status with a particular hotel brand?
  • How much am I willing to pay for a hotel credit card?
Our Selection Criteria
BEST PICK FOR

Various Hotels

Citi Prestige® Card

Citi Prestige® Card

Our rating
Min. credit level Good
Details
Annual Fee $495
Regular APR 17.99%–24.99% Variable
Apply Now

securely on the issuer's website

The Citi Prestige® Card (Review) has an excellent rewards program for anyone who tends to stay with different hotel brands, with 3X points for every stay (plus other handy categories for travel).

But the best part? You’ll get your fourth night free on hotel bookings, up to twice per year, when you book with ThankYou.com. Plan to use those on a nice vacation, at a fancy hotel or resort, and they could easily be worth over $1K per year.

There’s also solid airport lounge access through Priority Pass, and a travel credit to help offset the annual fee.

Spending Rewards
  • 5X ThankYou points per dollar on:
    • Air travel
    • Restaurants
  • 3X ThankYou points per dollar on:
    • Hotels
    • Cruise lines
  • 1X ThankYou point per dollar for every other purchase
Introductory Bonus Offer
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening
  • Complimentary 4th Night Stay: Get your fourth night free when booking four nights in a row through ThankYou.com and paying with your card, ThankYou points, or a combination of both. Capped at twice per year.
  • Point transfer: To a variety of frequent flyer programs, including Etihad Guest, JetBlue TrueBlue, and Virgin Atlantic Flying Club.
  • Annual $250 travel credit: Good for airline tickets, hotel rooms, car rentals, and other travel expenses.
  • Priority Pass Select membership: Access to over 900 Priority Pass airport lounges and restaurants around the world.
  • Global Entry or TSA PreCheck application fee credit: A credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every five years.
  • Citi Prestige Concierge: Call for non-emergency help any time you need it.
  • World Elite Car Rental Program: Elite memberships at Avis, Silvercar, and National.
  • No foreign transaction fees
  • Annual fee: $495
The Platinum Card® from American Express

The Platinum Card® from American Express

  • 5X Membership Rewards points on eligible prepaid hotels and flights booked through Amex Travel, and flights booked directly with airlines
  • 60,000 bonus points for spending $5,000 on purchases within the first 3 months
  • Annual fee: $550 (Rates & Fees)
View card details
Chase Sapphire Reserve®

Chase Sapphire Reserve®

  • 10X Ultimate Rewards points per dollar on Lyft rides
  • 3X Ultimate Rewards points per dollar on travel (after using the full $300 travel credit) and dining worldwide
  • 50,000 bonus points for spending $4,000 on purchases within the first 3 months
  • Annual fee: $550
View card details
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • 5X Ultimate Rewards points per dollar on Lyft rides
  • 2X Ultimate Rewards points per dollar for travel and restaurant purchases
  • 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
  • Annual fee: $95
View card details
2 3
  • 5X ThankYou points on Air travel and Restaurants
  • 3X ThankYou points on Hotels and Cruise Lines
  • No limit to the amount of points you can earn
  • Rewards never expire
  • $250 travel credit
  • Complimentary 4th night free on eligible hotel stays, capped at twice per year
  • Complimentary Priority Pass Select membership
  • Global Entry or TSA Pre✓ Application Fee Credit
  • No foreign transaction fees
  • $495 annual fee

The information related to Citi Prestige® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Hilton Hotels

Hilton Honors Aspire Card

Hilton Honors Aspire Card

Our rating
Min. credit level Excellent
Details
Annual Fee $450
Regular APR 16.74%–25.74% Variable
Apply Now

securely on the issuer's website

American Express issues four different cards that are co-branded with Hilton hotels, including one luxury card and one business card. The luxury card obviously offers the best perks, and comes with the highest annual fee.

The Hilton Honors Aspire Card will cost $450 per year, but it comes with a variety of rewards and cost-saving benefits to offset that price.

  • 14X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 7X Hilton Honors Bonus points per dollar at:
    • U.S. restaurants
    • Select car rentals
    • Flights booked directly with airlines
  • 3X Hilton Honors Bonus points per dollar for all other purchases
  • 150,000 Bonus points for spending $4,000 in the first 3 months after account opening
    • Value: $600–$1,500 (assuming 0.4–1 cent per point)
    • Return on spend: 15%–37.5%
  • Complimentary Hilton Honors Diamond status: Includes a 100% bonus on Base points earned, room upgrades to suites when available, executive lounge access, a 48-hour room guarantee, and more
  • Annual free Weekend Night Award: One free night every year, and earn another free weekend night by spending $60,000 in a calendar year
  • $100 Hilton on-property Credit: Good for every eligible stay of two nights or more, valid for incidental fees only
  • Annual $250 Hilton resort statement credit
  • Annual $250 airline fee statement credit: For incidental fees only
  • Airport lounge access: Complimentary access to Priority Pass Select airport lounges (excludes non-lounge experiences)
  • No foreign transaction fees
  • Annual fee: $450
Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

  • 12X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 6X bonus points at U.S. supermarkets, U.S. restaurants, and U.S. gas stations
  • 125,000 bonus points for spending $2,000 in the first 3 months
  • Hotel status: Complimentary Hilton Honors Gold status, and Diamond status for spending $40,000 per year
  • Weekend Night Awards: Spend $15,000 on purchases in a given year to earn a Weekend Night Award, with another Weekend Night Award for spending $60,000
  • Airport lounge access: 10 free visits to Priority Pass Select airport lounges (excludes non-lounge experiences)
  • Annual fee: $95 (Rates & Fees)
View card details
Hilton Honors American Express Card

Hilton Honors American Express Card

  • 7X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 5X bonus points at U.S. supermarkets, U.S. restaurants, and U.S. gas stations
  • 75,000 bonus points for spending $1,000 in the first 3 months
  • Hotel status: Complimentary Hilton Honors Silver status, and Gold status for spending $20,000 per year
  • Annual fee: $0 (Rates & Fees)
View card details
The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

  • 12X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 6X Hilton Honors Bonus points per dollar at:
    • U.S. gas stations, U.S. restaurants, U.S. wireless telephone services, U.S. shipping, select car rental agencies, and flights booked directly with airlines or through Amex Travel
  • 125,000 bonus points for spending $3,000 in the first 3 months
  • Hotel status: Complimentary Hilton Honors Gold status, and Diamond status for spending $40,000 per year
  • Weekend Night Awards: Spend $15,000 on purchases in a given year to earn a Weekend Night Award, with another Weekend Night Award for spending $60,000
  • Airport lounge access: 10 free visits to Priority Pass Select airport lounges (excludes non-lounge experiences)
  • Annual fee: $95 (Rates & Fees)
View card details
2 3
  • 14X Bonus Points per dollar at participating Hilton Portfolio hotels and resorts
  • 20X additional Base Points per dollar at Hilton Portfolio hotels and resorts for your Diamond member status
  • 7X Bonus Points per dollar at U.S. restaurants, flights booked directly with airlines, select car rentals
  • 3X Bonus Points per dollar on all other eligible purchases
  • 150,000 Bonus Points for spending $4,000 in the first 3 months
  • Complimentary Hilton Honors Diamond status and other benefits
  • No foreign transaction fees
  • $450 annual fee

The information related to Hilton Honors Aspire Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Hyatt Hotels

The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

Our rating
Min. credit level Good
Details
Annual Fee $95
Regular APR 15.99% - 22.99% Variable

Your only option for a Hyatt-branded credit card is the The World Of Hyatt Credit Card from Chase, but it comes with quite a few perks you’ll be able take advantage of every year.

  • 9X points per dollar on eligible purchases from Hyatt
    • 4X points per dollar from the card
    • 5X points per dollar for your Hyatt Discoverist status
  • 2X points per dollar for:
    • Restaurants
    • Local transit and commuting
    • Flights purchased directly from airlines
    • Fitness club and gym memberships
  • 1X point per dollar on all other purchases
  • 25,000 bonus points for spending $3,000 in the first 3 months after account opening
    • Value: $250–$500 (assuming 1–2 cents per point)
    • Return on spend: 8.33%–16.67%
  • 25,000 bonus points for spending $6,000 in the first 6 months after account opening
    • Value: $250–$500 (assuming 1–2 cents per point)
    • Return on spend: 4.17%–8.33%
  • Free Night Stay: Get one free night stay at a category 1–4 Hyatt hotel or resort, every year after your cardmember anniversary
  • Additional Free Night Stay: Spend $15,000 in an anniversary year to get another free night stay at a category 1–4 Hyatt hotel or resort
  • World of Hyatt Discoverist status: Includes perks like premium internet, free bottled water, room upgrades when available, and more
  • Visa Signature Concierge: Call for help with all sorts of non-emergency tasks, like travel information or dining reservations
  • No foreign transaction fees
  • Annual fee: $95
BEST PICK FOR

IHG Hotels

IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier Credit Card

Our rating
Min. credit level Good
Details
Annual Fee $89
Regular APR 15.99% - 22.99% Variable

If you’re looking for a credit card branded with the InterContinental Hotels Group the IHG® Rewards Club Premier Credit Card is your best option, allowing you to earn a wealth of points at IHG properties.

  • 25X points per dollar at IHG properties
    • 10X Bonus points per dollar from the card
    • 15X Base points per dollar for IHG Platinum Elite status
  • 2X Bonus points per dollar at:
    • Grocery stores
    • Gas stations
    • Restaurants
  • 1X Bonus point per dollar for all other purchases
  • 140,000 bonus points for spending $3,000 in the first 3 months
  • Free Night Stay: An annual free night’s stay at any eligible IHG property worldwide
  • Fourth Night Free: Fourth reward night is free when redeeming points for stays of four nights or more
  • Point Discount: 20% discount when purchasing points
  • Complimentary IHG Rewards Club Platinum Elite status: Includes a 50% bonus on base points earned, free internet, priority check-in, room upgrades when available, and guaranteed room availability (72 hours in advance)
  • Annual bonus offer: 10,000 Bonus points for spending $20,000 and making one additional purchase per account anniversary year
  • No foreign transaction fees
  • Annual fee: $89
IHG® Rewards Club Traveler Credit Card

IHG® Rewards Club Traveler Credit Card

  • 15X points at IHG Hotels & Resorts
    • 5X points from the card
    • 10X points for IHG Rewards Club Member status
  • 2X points at:
    • Gas stations
    • Grocery stores
    • Restaurants
  • No foreign transaction fees
  • Annual fee: $0
View card details
BEST PICK FOR

Marriott Bonvoy Hotels

Marriott Bonvoy Brilliant™ American Express® Card

Marriott Bonvoy Brilliant™ American Express® Card

Our rating
Min. credit level Excellent
Details
Annual Fee $450
Regular APR 16.74%–25.74% Variable
Apply Now

securely on the issuer's website

Since the merger of Marriott with Starwood, which included Ritz-Carlton, there are now three consumer cards and one business card that are co-branded with these hotel chains and open for new applicants. Each card earns points through the Marriott Bonvoy rewards program.

That includes one luxury card with a $450 annual fee, the Marriott Bonvoy Brilliant™ American Express® Card (Review).

  • 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy properties
  • 3X Marriott Bonvoy Bonus points per dollar:
    • For flights booked directly from airlines
    • At U.S. restaurants
  • 2X Marriott Bonvoy Bonus points per dollar for all other purchases
  • 75,000 bonus points for spending $3,000 in the first 3 months
  • $300 annual Marriott Bonvoy hotel credit: Up to $300 in statement credits for eligible purchases
  • Free Night Award: Every year after your account anniversary you’ll get a Free Night Award, good for redemption values of 50,000 points or less.
  • Priority Pass Select membership: Free access to Priority Pass airport lounges for you and up to two guests (excludes non-lounge experiences)
  • Application fee credit for Global Entry or TSA PreCheck: A statement credit for the application fee of either Global Entry ($100 every five years) or TSA PreCheck ($85 every four-and-a-half years)
  • Complimentary Gold Elite hotel status: Includes perks like a 25% bonus on base points, 2 p.m. late checkout, and more
  • 15 Elite Night Credits: Each year you’ll get 15 Elite Night Credits towards a higher member status
  • $100 property credit: Earn up to $100 in property credits when booking at least two nights direct with a special rate code at The Ritz-Carlton or St. Regis
  • Bonus points for airline transfers: Get 15,000 bonus points for every 60,000 points transferred to airline programs
  • Annual fee: $450
Marriott Bonvoy Boundless™ Credit Card

Marriott Bonvoy Boundless™ Credit Card

  • 6X points at Marriott Bonvoy hotels
  • 2X Bonus points per dollar for all other purchases
  • 75,000 Bonus points for spending $3,000 in the first 3 months
  • Annual fee: $95
View card details
Marriott Bonvoy Bold™ Credit Card

Marriott Bonvoy Bold™ Credit Card

  • 3X points at Marriott Bonvoy hotels
  • 30,000 Bonus points for spending $1,000 in the first 3 months
  • Hotel status: Silver Elite (must redeem the 15 Elite Night Credits)
  • Annual fee: $0
View card details
Marriott Bonvoy Business™ American Express® Card

Marriott Bonvoy Business™ American Express® Card

  • 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Marriott Bonvoy Portfolio
  • 4X Marriott Bonvoy Bonus points at U.S. restaurants, U.S. gas stations, and U.S. wireless telephone providers
  • 75,000 bonus points if you make $3,000 in purchases within the first 3 months
  • Hotel status: Silver Elite
  • Free additional cards to distribute to employees
  • Annual fee: $125 (Rates & Fees)
View card details
2 3
  • 6X points per dollar at Marriott Bonvoy hotels
  • 3X points per dollar at U.S. restaurants and on flights booked directly with airlines
  • 2X points per dollar spent on all other purchases
  • 75,000 bonus points for spending $3,000 in the first 3 months after account opening
  • $300 Marriott Bonvoy annual statement credit
  • Free Night Award every year after your card anniversary
  • Complimentary Marriott Bonvoy Gold Elite status, Platinum Elite status after spending $75,000 per year
  • Priority Pass Select membership
  • Fee credit for Global Entry or TSA Pre✓ application
  • $450 annual fee

The information related to Marriott Bonvoy Brilliant™ American Express® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Radisson and Club Carlson Hotels

Radisson Rewards™ Premier Visa Signature® Card

Radisson Rewards™ Premier Visa Signature® Card

Our rating
Min. credit level Good
Details
Annual Fee $75
Regular APR 14.99%–23.99% Variable
Apply Now

securely on the issuer's website

You’ll have a couple different options for Radisson-branded hotel cards. The Radisson Rewards™ Premier Visa Signature® Card is the best offer, but there’s also a no annual fee card for those who won’t stay at Radisson very often.

  • 35X points per dollar at Radisson properties
    • 10X Bonus points per dollar from the card
    • 25X Base points per dollar on eligible purchases for being a Radisson Gold member
  • 5X Bonus points per dollar on all other purchases
  • 50,000 Bonus points after making your first purchase
    • Value: $150–$500 (assuming 0.3–1 cent per point)
  • 35,000 Bonus points for spending $2,500 in the first 90 days after account opening
    • Value: $105–$350 (assuming 0.3–1 cent per point)
    • Return on spend: 4.2%–14%
  • 40,000 Bonus points each year after renewing your card
    • Value: $120–$400 (assuming 0.3–1 cent per point)
  • Radisson Rewards Gold status: Includes perks like a bonus on Base points, a 15% discount on food and drink, welcome gifts, room upgrades, and more
  • Free Night E-Certificates: Earn one Free Night E-Cert for each $10,000 spent in a given year, up to 3 free nights per year
  • Concierge: Call for non-emergency help with travel planning, making reservations, finding restaurants, and more
  • Visa Signature perks: Like entertainment offers, shopping discounts, and invites to sports events
  • Foreign transaction fee: 2%
  • Annual fee: $75
Radisson Rewards™ Visa® Card

Radisson Rewards™ Visa® Card

  • 23X points at Radisson hotels
  • 30,000 bonus points after spending $1,000 within the first 90 days
  • Hotel status: None
  • Annual fee: $0
View card details
  • 10X points per dollar spent in eligible net purchases at participating Radisson Family of Hotels
  • 5X points per dollar spent in eligible net purchases everywhere else
  • 40,000 renewal bonus points each year when you renew your card
  • Up to 85,000 Bonus Points – receive 50,000 points after your first purchase plus 35,000 points once you spend $2,500 on your card within the first 90 days
  • Earn up to three Free Night E-Certs when you charge up to $30,000 then renew your card. One E-Cert per $10,000
  • Exclusive Gold Status Radisson Rewards membership upgrade with included benefits
  • Earn free stays at more than 1,100 hotels across the globe
  • $75 annual fee

Other Hotel Credit Cards

Best for Card
Best Western Best Western Rewards® Premium Mastercard®
Choice Privileges Choice Privileges® Visa Signature® Credit Card (Review)
Diamond Resorts Diamond Resorts International® Mastercard®
RCI RCI® Elite Rewards® Mastercard® (Review)
Wyndham Rewards Wyndham Rewards® Visa Signature® Card - $75 Annual Fee
Best Western Rewards® Premium Mastercard®

Best Western Rewards® Premium Mastercard®

Our rating
Min. credit levelGood
Details
Annual Fee$59, $0 first year
Regular APR18.49%–24.49% Variable
Apply Now

securely on the issuer's website

  • 20X points per dollar spent on Best Western stays (10X points as a BestWestern Rewards member, 10X points from the card)
  • 2X points per dollar spent everywhere else
  • Earn 50,000 bonus points after you spend $1,000 in first 3 billing cycles
  • Earn 20,000 bonus points when you spend at least $5,000 during each 12 billing cycle period
  • 10% discount for eligible Best Western purchases
  • No foreign transaction fees
  • Free FICO® Credit Score
  • $59 annual fee
  • 20X points at Best Western properties
  • Introductory bonus: 50,000 bonus points for spending $1,000 in the first 3 months
  • Hotel status: Best Western Rewards Platinum status
  • Annual fee: $59, waived the first year
Choice Privileges® Visa Signature® Credit Card

Choice Privileges® Visa Signature® Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR17.49%, 22.24%, or 27.24% Variable
Apply Now

securely on the issuer's website

  • Earn 32,000 bonus points after your first purchase
  • Earn 8,000 bonus points every year when you spend $10,000 or more with your card
  • Earn 15 points per eligible $1 spent at over 4,200 Choice Privileges® locations
  • Earn 2 points per eligible $1 spent on everyday purchases
  • Elite Gold Status and 10% point bonus every time you purchase a stay with Choice Hotels
  • No annual fee
  • 15X points at Choice Privileges properties
  • Introductory bonus: 32,000 bonus points for spending $1,000 in the first 90 days
  • Hotel status: Choice Privileges Gold Elite status
  • Annual fee: $0
Diamond Resorts International® Mastercard®

Diamond Resorts International® Mastercard®

Our rating
Min. credit levelFair
Details
Annual Fee$0
Regular APR16.99%, 21.99% or 26.99% Variable
Apply Now

securely on the issuer's website

  • Earn 2X points per dollar spent on Diamond Resorts purchases (excluding down payments)
  • Earn 1X point per dollar spent on all other purchases
  • 2,500 bonus Diamond Plus points after first card purchase
  • 500 Diamond Plus points for every $2,000 spent
  • 0% introductory purchase APR for 6 billing cycles on any Diamond Vacation Ownership down payment. After that your purchase APR will be 16.99%, 21.99% or 26.99% Variable
  • 0% intro balance transfer APR for 15 billing cycles (must be made within 45 days of account opening), and then a rate of 16.99%, 21.99% or 26.99% Variable
  • Redeem points for statement credits
  • $0 annual fee
  • 2X points on Diamond Resorts International purchases
  • Introductory bonus: 2,500 bonus points after the first purchase
  • Annual fee: $0
RCI® Elite Rewards® Mastercard®

RCI® Elite Rewards® Mastercard®

Our rating
Min. credit levelFair
Details
Annual Fee$0
Regular APR17.24%, 22.24%, or 27.24% Variable
Apply Now

securely on the issuer's website

  • Earn 5X points per dollar spent on RCI® purchases
  • Earn 2X points per dollar spent on all eligible travel purchases
  • Earn 1X point per dollar spent on all other purchases
  • 2,500 bonus reward points after your first purchase
  • $250 vacation credit after spending $10,000 in a year
  • 5% rewards back when you redeem, as a bonus towards your next redemption
  • 0% intro balance transfer offer for 15 billing cycles (must be made within the first 45 days of account opening), and then your rate will be 17.24%, 22.24%, or 27.24% Variable
  • Rewards expire after 4 years
  • No annual fee
  • No foreign transaction fees
  • 2X rewards on RCI purchases
  • Introductory bonus: 2,500 bonus rewards after the first purchase
  • Annual fee: $0
Wyndham Rewards® Visa Signature® Card - $75 Annual Fee

Wyndham Rewards® Visa Signature® Card - $75 Annual Fee

Our rating
Min. credit levelExcellent
Details
Annual Fee$75
Regular APR17.49%, 22.24% or 27.24% Variable
Apply Now

securely on the issuer's website

  • 15,000 bonus points after your first card purchase; 15,000 bonus points after spending $1,000 on purchases with your card in the first 90 days of account opening
  • 5X points per dollar spent at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties
  • 2X points per dollar spent on eligible gas, utilities, and groceries (excluding Target and Walmart)
  • 0% introductory APR for balance transfers for 15 billing cycles (must be completed within the first 45 days of account opening), and then your rate will be 17.49%, 22.24% or 27.24% Variable
  • 6,000 points each year on your account anniversary
  • Complimentary Wyndham Rewards Platinum status
  • Avis and Budget car rental upgrades
  • go free Award Nights with No Blackout Dates
  • Free Wi-Fi at Wyndham hotels
  • No foreign transaction fee
  • $75 annual fee
  • 15X points at Wyndham Rewards properties
  • Introductory bonus: 15,000 bonus points after the first purchase, 15,000 bonus points after spending $1,000 in the first 90 days
  • Hotel status: Wyndham Rewards Platinum status
  • Annual fee: $75

How Much Should You Pay for a Hotel Credit Card?

You’ll have to decide how much you’re willing to pay for a hotel credit card: nothing, or quite a bit? There are three basic tiers to consider:

  • Low-end (no annual fee)
  • Mid-range (annual fee of usually $95, or less)
  • High-end (annual fee of usually $450)

If you spend a lot of time and money with a particular hotel brand each year, it probably makes sense to go with the high-end card product. These come with plenty of cost-saving benefits, like free nights and travel credits, that will often offset the annual fee down below $100, or may even offset it completely. Don’t be afraid of a high annual fee: you’ll find that the rewards and perks you can earn make the effective annual fee quite affordable.

Even if you don’t spend a lot of time and money at hotels, it might still be a good idea to go with a high-end card offer. You might be surprised at how affordable some of these $450 cards can be — take the Marriott Bonvoy Brilliant™ American Express® Card (Review), for example. It costs $450 per year, but comes with a $300 travel credit and one Free Night Award every year after your cardmember anniversary, along with other perks. The $300 credit reduces the effective annual fee to just $150, and the Free Night Award can provide as much as $500 in value at the upper end, or perhaps even more. Make good use of those perks, and that would mean you’re actually profiting by $350 per year!

Mid-range and low-end hotel cards don’t come with the same level and variety of cost-saving benefits, so in some cases they could actually have a higher effective annual fee than a high-end card. In general, we encourage you to take a look at the high-end cards to see how they’d fit into your travel plans, even if you typically shy away from credit cards with high annual fees.

But if you can’t justify paying a high annual fee, you may decide that a mid-range or low-end card would be better for you, especially if you don’t travel often or are less familiar with credit cards. There would be less pressure to make good use of it every year to get your money’s worth, and you wouldn’t have a $450 card in your pocket begging to be used.

Before applying for any hotel card you should do some sample calculations to see how much value you’ll get, and compare the results from different cards. Figure out how much you can expect to earn in hotel rewards, and what you’ll get from perks like travel credits, free nights, and complimentary hotel statuses. You may find that a high-end card would be far more profitable than a mid-range or low-end card.

For rates and fees of The Hilton Honors American Express Business Card, please click here.

For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.

For rates and fees of the Hilton Honors American Express Card, please click here.

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

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The information related to Citi Prestige® Card, Hilton Honors Aspire Card, Marriott Bonvoy Brilliant™ American Express® Card, The Platinum Card® from American Express, Hilton Honors American Express Surpass® Card, Hilton Honors American Express Card, The Hilton Honors American Express Business Card, and Marriott Bonvoy Business™ American Express® Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

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