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2021

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.

Our Selection Criteria Is a Hotel Card Right for You?

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The information related to Hilton Honors American Express Aspire Card, Marriott Bonvoy Business™ American Express® Card, Hilton Honors American Express Surpass® Card, The Hilton Honors American Express Business Card, Capital One VentureOne Rewards Credit Card, The Business Platinum Card® from American Express, Capital One Spark Miles for Business, Capital One Spark Miles Select for Business, and The Blue Business® Plus Credit Card from American Express have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

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?

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?

Best Pick For...

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  • Min. credit levelExcellent
  • Annual Fee$450
  • Regular APR15.74%-24.74% (Variable)

Rates & Fees

Rewards

American Express issues several 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 American Express Aspire Card isn’t cheap, but it comes with a variety of rewards and cost-saving benefits to offset its annual fee.

Spending Rewards
  • 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 points per dollar spent on:
    • Flights booked directly with airlines or amextravel.com
    • Car rentals booked directly from select car rental companies
    • U.S. restaurants
  • 3X Hilton Honors points per dollar spent on all other purchases
Introductory Bonus
  • 150,000 bonus points for spending $4,000 on purchases in the first 3 months after account opening
Key Features
  • 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 fee
  • Annual fee: $450

Hilton Honors American Express Aspire Card (Rates & Fees)

Runners Up3

Hilton Honors American Express Surpass® Card

Spending Rewards
  • 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. Restaurants
    • U.S. Supermarkets
    • U.S. Gas stations
  • 3X Hilton Honors Bonus points per dollar on all other eligible purchases
Introductory Bonus
  • 150,000 bonus points for spending $2,000 in the first 3 months; 50,000 bonus points for spending a total of $10,000 in the first 6 months
  • Perks: Hilton Honors Silver status; ShopRunner membership; Amex Offers; Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $95

Hilton Honors American Express Surpass® Card (Rates & Fees)

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Hilton Honors American Express Card

Spending Rewards
  • 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 per dollar at:
    • U.S. supermarkets
    • U.S. restaurants
    • U.S. gas stations
  • 3X Bonus points per dollar for all other purchases
Introductory Bonus
  • 80,000 bonus points for spending $1,000 in the first 3 months; 50,000 bonus points for spending a total of $5,000 in the first 6 months
  • Perks: Hilton Honors Silver status; Amex Offers; Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $0

Hilton Honors American Express Card (Rates & Fees)

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The Hilton Honors American Express Business Card

Spending Rewards
  • 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 for:
    • U.S. Gas stations
    • U.S. Wireless telephone services
    • U.S. Restaurants
    • U.S. Shipping purchases
    • Flights booked directly with airlines or Amex Travel
    • Car rentals booked directly with select car rental companies
  • 3X Hilton Honors Bonus points per dollar on all other eligible purchases
Introductory Bonus
  • 130,000 bonus points for spending $3,000 in the first 3 months
  • Perks: 25% point bonus; Point transfer; Shop through Chase/Chase Offers; Visa Signature Concierge; Luxury Hotel Collection; Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $95

The Hilton Honors American Express Business Card (Rates & Fees)

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  • Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
  • Earn 14X Hilton Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
  • Earn 7X Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies & at U.S. restaurants.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Enjoy up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio.
  • Enjoy complimentary Diamond status with your Hilton Honors Aspire Card.
  • $450 annual fee.
  • Terms Apply.

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

  • Min. credit levelGood
  • Annual Fee$95
  • Regular APR15.99% - 22.99% Variable
Rewards

Your only option for a Hyatt-branded credit card is the World of Hyatt Credit Card (Review) from Chase, but it comes with quite a few perks to take advantage of every year.

Spending Rewards
  • 9X points per dollar on eligible net purchases at participating Hyatt hotels and resorts:
    • 4X Bonus points from the card
    • 5X Base points from Discoverist member status
  • 2X Bonus points per dollar on:
    • Restaurants
    • Airline tickets purchased directly from the airline
    • Local transit/commuting
    • Fitness clubs and gym memberships
  • 1X Bonus point per dollar on all other purchases
Introductory Bonus
  • 30,000 bonus points for spending $3,000 in the first 3 months; 2 bonus points per $1 on purchases that earn 1 bonus point, up to $15,000 spent in the first 6 months

Key Features
  • 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 fee
  • Annual fee: $95
  • Min. credit levelGood
  • Annual Fee$89
  • Regular APR15.99% - 22.99% Variable
Rewards

If you’re looking for a card branded with the InterContinental Hotels Group, the IHG® Rewards Club Premier Credit Card (Review) is your best option. It earns a wealth of points at IHG properties, comes with complimentary Platinum Elite status, and provides a free reward night each year after your cardmember anniversary.

Spending Rewards
  • 25X points per dollar at IHG hotels and resorts:
    • 10X points from the IHG credit card
    • 15X points for IHG Platinum Elite status
  • 2X Bonus points per dollar at:
    • Gas stations
    • Restaurants
    • Grocery stores
  • 1X Bonus point per dollar for all other purchases
Introductory Bonus
  • 125,000 bonus points plus a Reward Night for spending $3,000 in the first three months of account opening
Key Features
  • 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
  • Global Entry or TSA PreCheck fee credit: Every four years, get up to $100 for either Global Entry or TSA PreCheck application fees.
  • 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 fee
  • Annual fee: $89
Runner Up1

IHG® Rewards Club Traveler Credit Card

Spending Rewards
  • 15X points per dollar at IHG Hotels & Resorts
    • 5X Bonus points from the card
    • 10X Base points for IHG Member status
  • 2X Bonus points per dollar at:
    • Gas stations
    • Grocery stores
    • Restaurants
  • 1X Bonus point per dollar for all other purchases
Introductory Bonus
  • 60,000 bonus points for spending $2,000 in the first 3 months
  • Perks: 20% discount on point purchases; Fourth reward night free
  • No foreign transaction fee
  • Annual fee: $0
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  • Min. credit levelGood
  • Annual Fee$450
  • Regular APR15.74% - 24.74% Variable

Rates & Fees

Rewards

Since the merger of Marriott with Starwood, which included Ritz-Carlton, there are now several co-branded Marriott Bonvoy credit cards.

The lineup includes one luxury card with great rewards and benefits — the Marriott Bonvoy Brilliant™ American Express® Card (Review). The annual fee is fairly high but you’ll get more than a few cost-saving perks to justify the money.

Spending Rewards
  • 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
  • 3X Marriott Bonvoy points per dollar:
    • At U.S. restaurants
    • On flights booked directly with airlines
  • 2X Marriott Bonvoy points per dollar spent on all other purchases
Introductory Bonus
  • 125,000 bonus points for spending $5,000 in the first 3 months; up to $200 in statement credits for eligible purchases at U.S. restaurants in the first 6 months
Key Features
  • $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)
  • Marriott Bonvoy Gold Elite 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.
  • No foreign transaction fee
  • Annual fee: $450

Marriott Bonvoy Brilliant™ American Express® Card (Rates & Fees)

Runners Up3

Marriott Bonvoy Boundless™ Credit Card

Spending Rewards
  • 17X Marriott Rewards points per dollar at Marriott Bonvoy hotels
    • 6X Bonus points per dollar from the card
    • 11X Base points per dollar for Marriott Bonvoy Silver Elite status
  • 2X Bonus points per dollar on all other purchases
Introductory Bonus
  • 100,000 Bonus points for spending $3,000 in the first 3 months
  • Perks: Annual free night stay; Marriott Bonvoy Silver Elite status; 15 Elite Night credits; Visa Signature Concierge
  • Annual fee: $95
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Marriott Bonvoy Bold™ Credit Card

Spending Rewards
  • 3X Bonus points per dollar at Marriott Bonvoy hotels
  • 2X Bonus points per dollar on Travel
  • 1X Bonus point per dollar on all other purchases
Introductory Bonus
  • 50,000 Bonus points for spending $1,000 in the first 3 months
  • Perks: 15 annual Elite Night credits; Shopping and travel protections
  • Annual fee: $0
View card details

Marriott Bonvoy Business™ American Express® Card

Spending Rewards
  • 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 per dollar spent on:
    • U.S. restaurants
    • U.S. gas stations
    • Wireless telephone services purchased directly from U.S. providers
    • U.S. purchases of shipping
  • 2X Marriott Bonvoy Bonus points per dollar spent on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $5,000 in the first 3 months; $150 in statement credits for eligible purchases made in the first 3 months
  • Perks: Free night award after cardmember anniversary; Marriott Bonvoy Silver Elite status; 15 annual Elite Night Credits; Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $125

Marriott Bonvoy Business™ American Express® Card (Rates & Fees)

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  • Earn 125,000 bonus Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership. Offer Expires 5/12/2021.
  • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy Hotels. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
  • No Foreign Transaction Fees.
  • $450 Annual Fee.
  • Terms Apply.

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Radisson and Club Carlson Hotels

Radisson Rewards™ Premier Visa Signature® Card

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  • Min. credit levelGood
  • Annual Fee$75
  • Regular APR14.99%–23.99% Variable
Rewards

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.

Spending Rewards
  • 10X points per dollar spent at participating Radisson Family of Hotels
  • 5X points per dollar spent everywhere else
Introductory Bonus
  • 50,000 points after first purchase; 35,000 points after spending $2,500 in the first 90 days
Key Features
  • 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.
  • Visa Signature Concierge: Call for non-emergency help with travel planning, making reservations, finding restaurants, and more.
  • Visa Signature perks: Entertainment offers, shopping discounts, invites to sports events, etc.
  • Foreign transaction fee: 2% of each foreign purchase or foreign ATM advance in USD; 3% of each foreign purchase or foreign ATM advance in a foreign currency
  • Annual fee: $75
Runner Up1

Radisson Rewards™ Visa® Card

Spending Rewards
  • 3X points per dollar spent on eligible net purchases at participating Radisson Family of Hotels
  • 1X point per dollar spent on eligible net purchases everywhere else
Introductory Bonus
  • 30,000 bonus points after spending $1,000 within the first 90 days
  • 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
Long Hotel Stays

Citi Prestige® Card

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  • Min. credit levelGood
  • Annual Fee$495
  • Regular APR16.99%–23.99% Variable
Why We Picked It

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 travelers).

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.

Rewards
Spending Rewards
  • 5X ThankYou points per dollar spent on:
    • Air travel
    • Restaurants
  • 3X ThankYou points per dollar spent on:
    • Hotels
    • Cruise lines
  • 1X ThankYou point per dollar spent on everything else
Introductory Bonus
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening
Key Features
  • Complimentary 4th Night Free: Get your fourth night free on stays of four nights or more when booked through ThankYou.com, capped at twice per year.
  • $250 annual travel credit: Good for airline tickets, hotel rooms, car rentals, and other travel expenses
  • Global Entry or TSA PreCheck credit: A credit for the Global Entry ($100) or TSA Pre✓ ($85) application fee, once every five years
  • Citi Prestige Concierge: Call for non-emergency help at any time, like making reservations or finding hotels.
  • Mastercard Airport Concierge: Get a 15% discount on select airport services.
  • No foreign transaction fee
  • Annual fee: $495
  • Metal credit card
  • 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

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Elite Hotel Status

The Platinum Card® from American Express

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  • Min. credit levelGood
  • Annual Fee$550
  • Regular APRSee Pay Over Time APR

Rates & Fees

Why We Picked It

Don’t want to be treated like a commoner? Tap into complimentary elite hotel statuses with The Platinum Card® from American Express (Review), and upgrade your next Hilton or Marriott Bonvoy stay.

You’ll enjoy both Hilton Honors Gold and Marriott Bonvoy Gold Elite status, which means more points per dollar, better rooms, and some nice amenities.

Hilton Honors Gold comes with an 80% point bonus, room upgrades, free breakfast, and more. Marriott Bonvoy Gold Elite gives you a 25% point bonus, room upgrades, a welcome gift of points, and enhanced in-room internet access.

If you prefer a particular hotel brand — like Hilton, Marriott Bonvoy, Hyatt, or IHG — you’ll find hotel member status included with many co-branded credit cards as well.

Rewards
Spending Rewards
  • 5X Membership Rewards points per dollar (on up to $500,000 spent per calendar year, then 1X) on:
    • Flights booked directly through airlines or through American Express Travel
    • Prepaid hotels booked through American Express Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus
  • 75,000 bonus points for spending $5,000 in the first 6 months; 10X points on eligible purchases at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, in the first 6 months
Key Features
  • Elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
  • Point transfer: Transfer your Membership Rewards points to a variety of airline and hotel partners, such as British Airways, Delta, Hilton, and Marriott.
  • $100 annual Saks credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December
  • Up to $200 in annual Uber Cash: Add your Platinum card to the Uber App to get up to $15 in Uber Cash per month, plus a bonus $20 in December; U.S. Eats orders and rides only.
  • Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
  • Uber VIP status: Add your Platinum card to the Uber App to get Uber VIP status where available.
  • Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years)
  • The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay.
  • No foreign transaction fee
  • Annual fee: $550

The Platinum Card® from American Express (Rates & Fees)

Runners Up7

Hilton Honors American Express Aspire Card

Spending Rewards
  • 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 points per dollar spent on:
    • Flights booked directly with airlines or amextravel.com
    • Car rentals booked directly from select car rental companies
    • U.S. restaurants
  • 3X Hilton Honors points per dollar spent on all other purchases
Introductory Bonus
  • 150,000 bonus points for spending $4,000 on purchases in the first 3 months after account opening
  • Perks: Hilton Honors Diamond status; Annual free weekend night award; $100 annual Hilton credit; $250 annual Hilton resort credit; $250 annual airline fee credit; Priority Pass Select membership
  • No foreign transaction fee
  • Annual fee: $450

Hilton Honors American Express Aspire Card (Rates & Fees)

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Marriott Bonvoy Brilliant™ American Express® Card

Spending Rewards
  • 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
  • 3X Marriott Bonvoy points per dollar:
    • At U.S. restaurants
    • On flights booked directly with airlines
  • 2X Marriott Bonvoy points per dollar spent on all other purchases
Introductory Bonus
  • 125,000 bonus points for spending $5,000 in the first 3 months; up to $200 in statement credits for eligible purchases at U.S. restaurants in the first 6 months
  • Perks: Gold Elite hotel status; $300 annual Marriott Bonvoy credit; Annual Free Night Award; Priority Pass Select membership; Global Entry/TSA PreCheck credit; 15 Elite Night Credits; $100 Ritz-Carlton or St. Regis property credit
  • No foreign transaction fee
  • Annual fee: $450

Marriott Bonvoy Brilliant™ American Express® Card (Rates & Fees)

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Hilton Honors American Express Surpass® Card

Spending Rewards
  • 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. Restaurants
    • U.S. Supermarkets
    • U.S. Gas stations
  • 3X Hilton Honors Bonus points per dollar on all other eligible purchases
Introductory Bonus
  • 150,000 bonus points for spending $2,000 in the first 3 months; 50,000 bonus points for spending a total of $10,000 in the first 6 months
  • Perks: Hilton Honors Silver status; ShopRunner membership; Amex Offers; Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $95

Hilton Honors American Express Surpass® Card (Rates & Fees)

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Hilton Honors American Express Card

Spending Rewards
  • 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 per dollar at:
    • U.S. supermarkets
    • U.S. restaurants
    • U.S. gas stations
  • 3X Bonus points per dollar for all other purchases
Introductory Bonus
  • 80,000 bonus points for spending $1,000 in the first 3 months; 50,000 bonus points for spending a total of $5,000 in the first 6 months
  • Perks: Hilton Honors Silver status; Amex Offers; Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $0

Hilton Honors American Express Card (Rates & Fees)

View card details

World of Hyatt Credit Card

Spending Rewards
  • 9X points per dollar on eligible net purchases at participating Hyatt hotels and resorts:
    • 4X Bonus points from the card
    • 5X Base points from Discoverist member status
  • 2X Bonus points per dollar on:
    • Restaurants
    • Airline tickets purchased directly from the airline
    • Local transit/commuting
    • Fitness clubs and gym memberships
  • 1X Bonus point per dollar on all other purchases
Introductory Bonus
  • 30,000 bonus points for spending $3,000 in the first 3 months; 2 bonus points per $1 on purchases that earn 1 bonus point, up to $15,000 spent in the first 6 months
  • Perks: World of Hyatt Discoverist status; Free Night Stay; Visa Signature Concierge
  • No foreign transaction fee
  • Annual fee: $95
View card details

Marriott Bonvoy Boundless™ Credit Card

Spending Rewards
  • 17X Marriott Rewards points per dollar at Marriott Bonvoy hotels
    • 6X Bonus points per dollar from the card
    • 11X Base points per dollar for Marriott Bonvoy Silver Elite status
  • 2X Bonus points per dollar on all other purchases
Introductory Bonus
  • 100,000 Bonus points for spending $3,000 in the first 3 months
  • Perks: Annual free night stay; Marriott Bonvoy Silver Elite status; 15 Elite Night credits; Visa Signature Concierge
  • Annual fee: $95
View card details

Chase Sapphire Reserve®

Spending Rewards
  • 10X Ultimate Rewards points per dollar on Lyft rides (through 3/31/22)
  • 3X Ultimate Rewards points per dollar on:
    • Travel (after the full travel credit is used)
    • Dining
    • Groceries (up to $1,000 spent per month; through 4/30/21)
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 60,000 bonus points for spending $4,000 in the first 3 months after account opening
  • Perks: Accelerated progress toward Club 5C membership status at Relais & Châteaux luxury hotel and resort properties; $300 annual travel credit; Priority Pass Select membership; Global Entry/TSA PreCheck credit; Lyft Pink membership; DoorDash membership and credits; point transfer partners
  • No foreign transaction fee
  • Annual fee: $550
View card details
  • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • 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 and Additional Centurion Cards only.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Enjoy complimentary 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 through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties . Learn More.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.
  • Terms Apply.

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No Annual Fee

Hilton Honors American Express Card

Our rating:
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securely on the issuer's website

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  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR15.74% - 24.74% Variable

Rates & Fees

Rewards

Most hotel credit cards have annual fees around $100, and it might be hard to decide whether it’s worth applying or not. Will you use the card enough?

But, if you don’t travel often and still have a favorite hotel brand, a hotel card with no annual fee, like the Hilton Honors American Express Card (Review), might be a good option. Or you might be better off with a general travel rewards card with no annual fee.

Spending Rewards
  • 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 per dollar at:
    • U.S. supermarkets
    • U.S. restaurants
    • U.S. gas stations
  • 3X Bonus points per dollar for all other purchases
Introductory Bonus
  • 80,000 bonus points for spending $1,000 in the first 3 months; 50,000 bonus points for spending a total of $5,000 in the first 6 months
Key Features
  • Complimentary Hilton Honors Silver status: Includes a 20% point bonus, room upgrades when available, late checkout, and more
  • Fast track to Gold status: Upgrade to Gold Status by spending $20,000 or more with the card in a given year.
  • Complimentary ShopRunner membership: Register with ShopRunner for free two-day shipping and returns at select online retailers.
  • Entertainment Access: Exclusive discounts to dining events, concerts, sports, and shows
  • Shopping and travel protections: Including Purchase Protection, Extended Warranties, a Baggage Insurance Plan, and more
  • No foreign transaction fee

Hilton Honors American Express Card (Rates & Fees)

Runners Up7

Marriott Bonvoy Bold™ Credit Card

Spending Rewards
  • 3X Bonus points per dollar at Marriott Bonvoy hotels
  • 2X Bonus points per dollar on Travel
  • 1X Bonus point per dollar on all other purchases
Introductory Bonus
  • 50,000 Bonus points for spending $1,000 in the first 3 months
  • Perks: 15 annual Elite Night credits; Shopping and travel protections
  • No foreign transaction fee
View card details

IHG® Rewards Club Select Credit Card

Spending Rewards
  • 5X points per dollar every at IHG Hotels
  • 2X points per dollar at:
    • Gas stations
    • Grocery stores
    • Restaurants
  • 1X point per dollar on all other purchases
  • 10% rebate on IHG® Rewards Club Point Redemptions
Introductory Bonus
  • 60,000 bonus points if you spend $1,000 in the first three months
  • Perks: Save 20% on purchased points; Gold Elite membership for spending $10,000 in a year; Shopping and travel protections
  • No foreign transaction fee
View card details

Radisson Rewards™ Visa® Card

Spending Rewards
  • 3X points per dollar spent on eligible net purchases at participating Radisson Family of Hotels
  • 1X point per dollar spent on eligible net purchases everywhere else
Introductory Bonus
  • 30,000 bonus points after spending $1,000 within the first 90 days
  • Perk: 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 spent per year
View card details

Capital One VentureOne Rewards Credit Card

Spending Rewards
  • 1.25X miles per dollar spent on all purchases
Introductory Bonus
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Perks: Mile transfer; Visa Signature Luxury Hotel Collection; Concierge; Shopping and travel protections
  • Purchase APR: 0% 12 months, then 15.49% - 25.49% Variable
  • No foreign transaction fee
View card details

Bank of America® Travel Rewards Credit Card

Spending Rewards
  • 3X points per dollar at the Bank of America Travel Center
  • 1.5X points per dollar on all other purchases
Introductory Bonus
  • 25,000 bonus points for spending $1,000 in the first 90 days after account opening
  • Perks: Free FICO credit score; Preferred Rewards point bonus
  • Purchase APR: 0% for 12 billing cycles, then 13.99%–23.99% Variable
  • No foreign transaction fee
View card details

Chase Freedom Unlimited®

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1.5% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months
  • Perks: Three-month DoorDash membership; Lyft credits; Shop through Chase/Chase Offers; Shopping and travel protections
  • Purchase APR: 0% for 15 months, then 14.99% - 23.74% Variable
View card details

Discover it® Miles

Spending Rewards
  • 1.5X miles per dollar spent on all purchases
Introductory Bonus
  • Discover Match: Double miles earned during the first year, awarded at the end of the first year
  • Purchase APR: See Terms for See Terms, then See Terms
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
View card details
  • Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • 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 Annual Fee.
  • Terms Apply.

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Premium Travel

Chase Sapphire Reserve®

Our rating:
  • Min. credit levelExcellent
  • Annual Fee$550
  • Regular APR16.99%-23.99% Variable
Rewards

If you’re not willing to settle for a lesser travel card, the Chase Sapphire Reserve® (Review) should be on your shortlist. With a solid rate for just about every travel expense, including hotels, travelers should earn quite a few points per trip.

The points are accompanied by excellent perks, including a big travel credit to help bring the effective cost down and airport lounge access via Priority Pass Select membership.

Spending Rewards
  • 10X Ultimate Rewards points per dollar on Lyft rides (through 3/31/22)
  • 3X Ultimate Rewards points per dollar on:
    • Travel (after the full travel credit is used)
    • Dining
    • Groceries (up to $1,000 spent per month; through 4/30/21)
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 60,000 bonus points for spending $4,000 in the first 3 months after account opening
Key Features
  • Point transfer: Transfer your points at a 1:1 rate to a variety of airline and hotel loyalty programs, like United, JetBlue, and Marriott Bonvoy.
  • $300 annual travel credit: A $300 travel credit every year that will be automatically applied toward a broad range of travel-related expenses charged to the card
  • $120 Peloton credit: Enroll to get up to $120 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
  • Priority Pass Select membership: Enjoy access to over 1,000 airport lounges worldwide plus a selection of restaurants. The cardholder and two guests can enter for free; additional guests cost $27 each.
  • Global Entry or TSA PreCheck application fee credit: Get a statement credit to offset the cost of applying for Global Entry ($100) or TSA PreCheck ($85), once every four years.
  • Elite hotel benefits at Relais & Châteaux: Accelerated progress towards Club 5C member status with Relais & Châteaux luxury hotel and resort properties
  • Visa Infinite Concierge: Call for non-emergency help of all kinds, like making dinner reservations or finding good tickets to a show.
  • Special car rental privileges: Rental upgrades, discounts, and promotional offers at Avis, Silvercar, and National Car Rental
  • Lyft Pink membership: One free year of Lyft Pink, which includes 15% off rides, relaxed cancellations, surprise offers, and priority airport pickup
  • DoorDash membership: A free membership (DashPass) for a year, which provides free delivery and reduced service fees on orders over $12
  • $60 annual DoorDash credit: Get $60 in DoorDash credits in 2020, and $60 in credits in 2021.
  • Shopping and travel protections: Purchase Protection, a Primary Auto Rental Collision Damage Waiver, Trip Delay Reimbursement, and more
  • No foreign transaction fee
  • Annual fee: $550
Runners Up3

The Platinum Card® from American Express

Spending Rewards
  • 5X Membership Rewards points per dollar (on up to $500,000 spent per calendar year, then 1X) on:
    • Flights booked directly through airlines or through American Express Travel
    • Prepaid hotels booked through American Express Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus
  • 75,000 bonus points for spending $5,000 in the first 6 months; 10X points on eligible purchases at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, in the first 6 months
  • Perks: Global Lounge Collection; $200 in annual Uber credits; $100 annual Saks credit; Global Entry/TSA PreCheck fee credit; Hilton Honors Gold and Marriott Bonvoy Gold Elite status
  • No foreign transaction fee
  • Annual fee: $550

The Platinum Card® from American Express (Rates & Fees)

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Citi Prestige® Card

Spending Rewards
  • 5X ThankYou points per dollar spent on:
    • Air travel
    • Restaurants
  • 3X ThankYou points per dollar spent on:
    • Hotels
    • Cruise lines
  • 1X ThankYou point per dollar spent on everything else
Introductory Bonus
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening
  • Perks: Complimentary 4th Night Free for stays of four nights or more when booked through ThankYou.com, capped at twice per year; $250 annual travel credit; Global Entry/TSA PreCheck fee credit; Citi Concierge
  • No foreign transaction fee
  • Annual fee: $495
View card details

U.S. Bank Altitude Reserve Visa Infinite® Card

Spending Rewards
  • 5X points per dollar spent on:
    • Prepaid hotels booked in the Altitude Rewards Center
    • Car rentals booked in the Altitude Rewards Center
  • 3X points per dollar spent on:
    • Travel
    • Mobile Wallet purchases
    • Restaurants (until 7/1/21)
  • 1X point per dollar spent on all other purchases
Introductory Bonus
  • 50,000 bonus points for spending $4,500 in the first 90 days of membership
  • Perks: Annual $325 travel credit; Global Entry fee credit; Limited Priority Pass Select membership
  • No foreign transaction fee
  • Annual fee: $400
View card details
  • Min. credit levelGood
  • Annual Fee$125
  • Regular APR15.74% - 24.74% Variable

Rates & Fees

Rewards

You don’t have many options for co-branded hotel business cards, so you may want to expand your search to include general business travel cards, or the personal hotel cards on this page.

If Marriott’s a regular feature of your itinerary, consider the Marriott Bonvoy Business™ American Express® Card (Review). With a reasonable annual fee and solid perks, like upgraded member status and a free night every year after your anniversary, it might even make those business trips something to look forward to.

Spending Rewards
  • 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 per dollar spent on:
    • U.S. restaurants
    • U.S. gas stations
    • Wireless telephone services purchased directly from U.S. providers
    • U.S. purchases of shipping
  • 2X Marriott Bonvoy Bonus points per dollar spent on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $5,000 in the first 3 months; $150 in statement credits for eligible purchases made in the first 3 months
Key Features
  • Free Night Award: Every year after your account anniversary you’ll get a Free Night Award, good for redemption values of 35,000 points or fewer; earn a second free night by spending $60,000 in a calendar year.
  • Marriott Bonvoy Silver Elite status: Includes a 10% bonus on Base points and priority late checkout
  • Earn Marriott Bonvoy Gold Elite status: Spend $35,000 in a calendar year to gain a Gold Elite membership.
  • Free premium in-room WiFi
  • 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.
  • No foreign transaction fee
  • Annual fee: $125

Marriott Bonvoy Business™ American Express® Card (Rates & Fees)

Runners Up7

The Hilton Honors American Express Business Card

Spending Rewards
  • 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 for:
    • U.S. Gas stations
    • U.S. Wireless telephone services
    • U.S. Restaurants
    • U.S. Shipping purchases
    • Flights booked directly with airlines or Amex Travel
    • Car rentals booked directly with select car rental companies
  • 3X Hilton Honors Bonus points per dollar on all other eligible purchases
Introductory Bonus
  • 130,000 bonus points for spending $3,000 in the first 3 months
  • Perks: Limited Priority Pass Select membership; Hilton Honors Gold status; Spend to earn annual weekend night awards; Amex Offers
  • No foreign transaction fee
  • Annual fee: $95

The Hilton Honors American Express Business Card (Rates & Fees)

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The Business Platinum Card® from American Express

Spending Rewards
  • 5X Membership Rewards points per dollar spent on flights and prepaid hotels on the American Express Travel website
  • 1.5X Membership Rewards points per dollar spent on eligible purchases of $5,000 or more (an extra .5 points per dollar, up to 1 million extra points per year)
  • 1X Membership Rewards point per dollar spent on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $15,000 on eligible purchases within the first 3 months of Card Membership
  • Perks: Up to $200 in airline fee statement credits annually; Global Lounge Collection airport lounge access; Global Entry/TSA PreCheck fee credit; Hilton Honors Gold and Marriott Bonvoy Gold Elite status
  • No foreign transaction fee
  • Annual fee: $595

The Business Platinum Card® from American Express (Rates & Fees)

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Capital One Spark Miles for Business

Spending Rewards
  • 5X miles per dollar for:
    • Hotels booked through Capital One Travel
    • Rental cars booked through Capital One Travel
  • 2X miles per dollar for every other purchase
Introductory Bonus
  • 50,000 bonus miles for spending $4,500 in the first 3 months
  • Perks: Mile transfer; Global Entry/TSA PreCheck fee credit; Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $0 intro for first year; $95 after that
View card details

Ink Business Preferred® Credit Card

Spending Rewards
  • 5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
  • 3X Ultimate Rewards points per dollar on the first $150,000 spent per year on:
    • Travel
    • Shipping
    • Internet, cable, and phone services
    • Advertising purchases made with social media sites and search engines
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $15,000 in the first 3 months after account opening
  • Perks: Point transfer; 25% point bonus for travel redemptions via Ultimate Rewards; Luxury Hotel & Resort Collection; Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $95
View card details

Capital One Spark Miles Select for Business

Spending Rewards
  • 5X miles per dollar for:
    • Hotels booked through Capital One Travel
    • Rental cars booked through Capital One Travel
  • 1.5X miles per dollar for every other purchase
Introductory Bonus
  • 20,000 miles for spending $3,000 in the first 3 months after account opening
  • Perks: Mile transfer; Shopping and travel protections
  • Purchase APR: 0% for 9 months, then 14.49% - 22.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
View card details

The Blue Business® Plus Credit Card from American Express

Spending Rewards
  • 2X Membership Rewards points per dollar spent on the first $50,000 in purchases each year
  • 1X Membership Rewards point per dollar spent on all other purchases
  • Perks: Point transfer; Shopping and travel protections
  • Purchase APR: 0% for 12 months from date of account opening, then 13.24% - 19.24% Variable
  • Annual fee: No annual fee

The Blue Business® Plus Credit Card from American Express (Rates & Fees)

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Brex Daily Card

  • Rewards: Choose from one of three valuable rewards programs, two of which offer 5X points on hotels and airfare booked through Brex Travel
  • Perks: Point transfer; Thousands of dollars in statement credits, plus discounts and more, for services like Amazon Web Services, WeWork, Google Ads, SendGrid, and Twilio (explained here)
  • Expense management and receipt reconciliation tools
  • No foreign transaction fee
  • Annual fee: $0
  • Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
View card details

The information related to Marriott Bonvoy Business™ 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.

Other Hotel Credit Cards

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

Choice Privileges® Visa Signature® Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.24%, 19.99%, or 24.99% Variable
Apply Now

securely on the issuer's website

  • 50,000 points for spending $1,000 on purchases within the first 90 days
  • Earn 8,000 bonus points every year when you spend $10,000 or more with your card
  • Earn 15 points per dollar spent at over 4,200 Choice Privileges® locations
  • Earn 2 points per dollar spent on everyday purchases
  • Elite Gold Status and 10% point bonus every time you purchase a stay with Choice Hotels
  • No annual fee

Diamond Resorts International® Mastercard®

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

RCI® Elite Rewards® Mastercard®

Our rating
Min. credit levelFair
Details
Annual Fee$0
Regular APR15.74%, 19.99% or 24.99% Variable
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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 15.74%, 19.99% or 24.99% Variable
  • Rewards expire after 4 years
  • No annual fee
  • No foreign transaction fees

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

Our rating
Min. credit levelExcellent
Details
Annual Fee$75
Regular APR15.24%, 19.99% or 24.99% 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 15.24%, 19.99% or 24.99% 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

Frequently Asked Questions

What Are the Best Hotel Credit Cards?

Hotel credit cards come with a range of annual fees, with more rewards and better perks on the more expensive cards. Some of the best include:

What’s the Best Hotel Credit Card for Free Nights?

If you’d like to stay with any hotel brand, go for the Citi Prestige® Card (Review). You’ll get your fourth night free on hotel bookings of four nights or more, twice per year, when booking through ThankYou.com.

Or, if you have a favorite brand, these cards will get you free nights at their co-branded hotels:

What Hotel Brands Offer Credit Cards?

A number of major hotel brands offer co-branded cards you can use to get upgraded rewards and perks, including:

How Do Hotel Credit Cards Work?

Hotel credit cards work like any other credit card. They come in two basic types:

  • General-use travel cards, which have wide-ranging features and can be used with any hotel
  • Co-branded hotel cards, which provide their best rewards and perks at specific hotel brands

In general, you’ll earn the most points for hotel bookings and other brand-related activities. Co-branded hotel cards often come with an elite membership status, bonus point opportunities, and free night stays, as well.

You’ll typically get the most bang for your buck by redeeming your points for hotel bookings. So you come full circle: Pay for hotel stays and make other purchases with your hotel card to earn points, and then use those points for hotel bookings

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 around $95, or less)
  • High-end (annual fee of around $450)

You’ll find cards in these tiers from Marriott Bonvoy, Hilton, and other hotel brands.

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 Aspire Card, please click here.

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 Blue Business® Plus Credit Card from American Express, please click here.

For rates and fees of The Business 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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