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Hotel Credit Cards

Hotel Credit Cards

Hotel credit cards are tied to specific hotel chains and offer rewards that you can only redeem at the respective chain’s locations or its partners. If you travel frequently and are a brand-loyal hotel visitor, look into the hotel credit card(s) tied to your establishment of choice (some of the offers listed below originate from CardHub advertising partners). Otherwise, a better option might be a generic travel reward credit card that allows you to redeem miles for any travel related expense, including hotel bookings that you can make through any travel agent or website. You see, only brand-loyal frequent travelers will be able to both redeem their hotel points often enough to properly address the threat of rewards devaluation and garner tangible perks on a consistent basis. While the point of having a hotel rewards card is obviously to earn free nights and thereby lower the cost of travel, many credit cards with hotel points give the option of redeeming for other incentives, like cash, but honestly, if cash is what you are looking for, you should explore the cash back credit cards section instead of comparing the hotel credit cards listed below.

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    4.5

    Starwood Preferred Guest® Credit Card

    starwood preferred guest credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.24% - 19.24% (V)
    ANNUAL FEE None 1st yr, $65 after
    REWARDS Points
    BASE EARN 1 Starpoint
    MAX EARN 2 Starpoints
    • Earn up to 25,000 bonus Starpoints®
    • Earn 10,000 Starpoints after your first purchase on the Card and an additional 15,000 Starpoints after you use your new Card to make $5,000 in purchases within the first 6 months.
    • Redeem Starpoints for free nights at over 1,100 hotels & resorts in nearly 100 countries and for free flights on over 150 airlines with SPG Flights - all with no blackout dates.
    • Some hotels may have mandatory service and resort charges.
    • Starpoints stay active as long as you continue to spend on your Card.
    • Terms and Restrictions apply.

     
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    3.5

    Citi® Hilton HHonors™ Visa Signature® Card

    hilton hhonors visa credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 14.24% or 16.24% (V)
    ANNUAL FEE None
    REWARDS Points
    BASE EARN 2 points / $1
    MAX EARN 6 points / $1
    • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
    • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
    • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
    • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*

     
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    3

    Citi® Hilton HHonors™ Reserve Card

    Hilton Hotel Reserve Credit Card Offer
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.24% (V)
    ANNUAL FEE $95
    REWARDS Points
    BASE EARN 3 points / $1
    MAX EARN 10 points / $1
    • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after you make $2,500 in purchases within 4 months of account opening*
    • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio*
    • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
    • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
    • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*

     
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    3.5

    Marriott Rewards® Premier Credit Card

    marriott rewards credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.99% (V)
    ANNUAL FEE None 1st yr, $85 after
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 5 points / $1
    • Earn 50,000 Points after spending $1,000 in your first 3 months from account opening
    • Receive 1 Free Night Stay after account approval in Category 1-4 locations, that’s up to 7 Free Nights
    • Receive 1 additional free night stay at a Category 1-5 location every year after your account anniversary date!
    • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
    • Receive 15 credits guaranteeing Silver Elite Status or better
    • Unlimited Point Accumulation

     
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    4

    Best Western Credit Card

    best western platinum mastercard
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.99% - 24.99% (V)
    ANNUAL FEE None
    REWARDS Points
    BASE EARN 1 point / $1
    • Earn 16,000 points after your first purchase or initial balance transfer.
    • 15 points for every $1 spent on Best Western purchases.
    • 1 point per eligible $1 spent everywhere else.
    • Enjoy over 100 reward options, including: free nights at Best Western, airline rewards, gift cards and merchandise and Avis® rental rewards.

     
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    5

    Choice Credit Card

    choice credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.24% - 19.99% (V)
    ANNUAL FEE None
    REWARDS Points
    BASE EARN 2 points / $1
    MAX EARN 5 points / $1
    • Earn 8,000 bonus points on first purchase or balance transfer plus earn 24,000 bonus points when you pay for a stay with your new card, that's enough for 4 free nights.
    • 15 points per eligible $1 spent at over 4,200 Choice Privileges locations: Earn 5 Points for every $1 spent with the Choice Privileges Visa card linked to Choice Privileges membership and up to 10 Points for every one dollar spent on eligible MainStay Suites®, Suburban Extended Stay®, Econo Lodge® and Rodeway Inn® property stays.
    • Earn 5 points per eligible $1 on additional Choice Privileges points or Choice Hotels gift card purchases.
    • Earn 2 points per eligible $1 spent on everyday purchases.
    • Every time you earn points for eligible stays, Choice Privileges gives you a 10% point bonus.

     
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    1

    Club Carlson Rewards Visa Signature® Credit Card

    club carlson credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.99% - 22.99% (V)
    ANNUAL FEE $50
    REWARDS Points
    BASE EARN 3 points / $1
    MAX EARN 6 points / $1
    • 6 points per $1 spent in eligible net purchases at participating Carlson Rezidor hotels.
    • 3 points per $1 spent in eligible net purchases everywhere else.
    • Up to 60,000 Bonus Gold Points - receive 50,000 Gold Points after your first purchase plus 10,000 points once you spend $1,500 on your card within the first 90 days.
    • 25,000 renewal bonus points each year when you renew your card.
    • Bonus Award Nights - When you redeem Gold Points for 2 or more consecutive Award Nights, your last night is free.

     
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    We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information.

    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

    Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.


    Ask our Experts
    EXPERT’S ANSWERS

    How do I pick a hotel credit card?

    By: Odysseas Papadimitriou, CardHub CEOThe manner in which you choose a hotel rewards credit card depends on whether your objective in opening such a card is to garner a valuable initial rewards bonus or long-term benefit. If you’re after an initial bonus, choose the hotel credit card that offers the most free nights without requiring that you spend more than you would ordinarily in order to get them. For those interested in ongoing benefit (really only applies to brand-loyal frequent travelers) open the card affiliated with your existing hotel loyalty program, even if a competing hotel’s credit card provides more attractive rewards. After all, what good are a bunch of points to a hotel you’ll never visit?

    What to look for when evaluating hotel rewards programs:

    By: John Kiernan, Personal Finance EditorKeeping an eye out for the following key terms will simplify your hotel rewards programs comparison and result in optimum usage of your newly selected hotel card:
    1. Earning Rate: The rate at which you will be earning rewards together with your expected spending will give you a sense of how quickly you can reach the rewards redemption milestones you’re most interested in. Keep an eye out for cards that require quarterly registration for the highest earning rates.
    2. Redemption Milestones: How many points does it take to get a free night? Do you need more points for nights at nicer hotels? Are any dates, hotels, or types of rooms off-limits? These are the types of questions you must answer because a hotel card’s redemption policy determines how lucrative its earning rate actually is.
    3. Initial Rewards Bonus: Many hotel rewards credit cards offer a large number of bonus points during the first few months of card use, which can equate to a couple of free nights. Since these bonuses can be more lucrative than the rewards you’ll garner in an entire year of typical card use, they are a key feature to look out for. Keep in mind that some of the initial bonuses offered by hotel reward credit cards don’t kick in until you’ve spent a predetermined amount within the first few months of card use, so select a card that coincides with your monthly spending patterns.
    4. Tiers: With certain credit cards, you earn rewards at a particular rate until you’ve spent a predetermined amount, at which point the rewards will come in at a faster or slower pace. While this type of tiered rewards program is not that common with hotel loyalty programs, it’s something to watch out for as it can affect your effective earn rate.
    5. Expiration: The most common type of expiration policy found in hotel loyalty programs is due to inactivity (i.e. lack of point-generating actions) for an extended period of time. In these cases, a hotel rewards credit cards can be particularly useful since you do not have to actually stay at a hotel to earn points and preserve your current rewards balance. All you have to do is make at least one purchase on a regular basis. Having said that, your rewards program may be subject to a different expiration policy, so make sure you know the exact terms of your agreement.
    6. Status points: Sometimes there are multiple credit cards affiliated with a single hotel chain. The number of status points each provides, both initially and on an ongoing basis, could be a deciding factor between them. Annual fees generally rise in accordance with status points, so only focus on this feature if you stay at a particular hotel chain regularly and can therefore extract a lot of value from fringe benefits like complimentary breakfast and room upgrades.

    What’s the difference between hotel points and hotel membership status points?

    By: Odysseas Papadimitriou, CardHub CEOWhen it comes to hotels, there are two types of rewards points: those redeemable for free nights and those needed to move up the membership status ladder, which dictates the VIP extras that you’re entitled to (e.g. breakfast coupons, complimentary room upgrades, access to executive floors, priority check-in). While all hotel rewards credit cards give you points to earn free nights, only some provide status points as well. Status points are truly only important to people who actually stay at a particular hotel chain on a consistent basis, especially since they are often tied to the number of nights you accumulate in a calendar year.

    Which is the best hotel rewards program?

    By: John Kiernan, Personal Finance EditorConsumers base their hotel choices primarily on things like price, location, and quality of service, and since each hotel has but a single rewards program, the best hotel rewards program for each individual is that which is tied to their favorite hotel. However, there might be more than one hotel credit card affiliated with a given chain, especially the big ones, which means that the best hotel credit card is whichever best matches your income, spending habits, and existing status within the rewards program.

    Do any credit cards offer both hotel points and airline miles?

    By: Odysseas Papadimitriou, CardHub CEOSort of. Travel reward credit cards offer either miles or points that in most cases can be redeemed for either hotel or airfare bookings made through any travel agency or website. In other words, while all credit cards use a single rewards currency (i.e. points, miles or cash back), some allow you to redeem for broader perks. This can be useful in the sense that travel might not be your top priority down the road, in which case redeeming for something else, like a gift card, could be more rewarding.

    Can I get more than one hotel credit card?

    By: John Kiernan, Personal Finance EditorOf course you can get more than one hotel reward credit card, but whether you should do so is another story. The Island Approach to credit card use holds that you should have rewards credit cards that complement one another in order to give you the most comprehensive rewards earning power possible. Therefore, if you already have a hotel rewards card, the most strategic move would be to get a credit card tied to your next biggest type of expense. For example, someone who stays at a Marriott Hotel every other week and also spends a lot on gas would derive the most benefit from having both a Marriott Credit Card and a gas credit card.
    COMMUNITY DISCUSSION

    Help others find the best hotel credit cards by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    October 21, 2014
    Photo of Nick T.
    By: Nick Tamley
    I used my Citi® Hilton HHonors™ Visa Signature® Card during a recent stay at the Hilton in Downtown Chicago. I am a very avid supporter of hotel credit cards because I travel quite a bit, and they give me loyalty rewards with the hotel, and I can earn free stays, upgrades, food and beverage credits, and much more. My stay at the hotel was excellent, and I was able to get an upgrade upon using my Hilton HHonors card. At check-in, the agents who helped me were fast and efficient and very friendly. Additionally, when I checked into my room, which was spacious, clean, and well-appointed, I noticed that I more
    October 8, 2014
    Photo of John H.
    By: John Hardy
    I am auditor, and that means I stay out of town a lot. I only stay at the Marriott, because I like the amenities they offer. A few years ago, I applied for a credit card there. I was accepted and now I use their card exclusively. I can upgrade to a king size room at any time, and the points roll over instead of expiring. I can reserve a hotel and I never have to worry about being bumped from my room. I stayed at the Marriott for three days virtually free! It’s a really good card, I recommend it!
    October 2, 2014
    Photo of Vanna B.
    By: Vanna Black
    I really like the Starwood Preferred Guest Credit Card from American Express. It currently has the highest reward rate in the market right now. This is really convenient for me because I often travel for my job and need to stay at various hotels. The rewards pile up pretty quickly thanks to this card.
    September 19, 2014
    Photo of Kevin S.
    By: Kevin Schumacher
    The one time I used a hotel credit card at a hotel, I had to call from the lobby of the hotel to get them to recognize the rewards I had available. It was not worth the effort and I agree with some of the other commenters that there are much better non-hotel cards available that will, in the end, get you similar results. I would advise against getting a hotel card.
    September 7, 2014
    Photo of Sarah M.
    By: Sarah Malpass
    I personally feel as though hotel credit cards are not as useful as they seem. There are plenty of other cards that are much better in the rewards department. With hotel cards you are very limited in where you can earn and redeem points. I also think that the APR on most chain hotel cards is way too high.
    August 31, 2014
    Photo of Swetha W.
    By: Swetha Wetta
    The best hotel credit card I have used is the Best Western Credit Card. I used it to stay at a hotel when I took my family to Disneyland. I've also used it multiple times when traveling on business. Had no issues with it so far. There is no annual fee on the card and I also really like the rewards.
    August 27, 2014
    Photo of Sean B.
    By: Sean Billings
    I think that hotel credit cards can be useful if you are someone who travels a lot. I don't travel much, and when I do, I rarely stay in a hotel. But, my parents have a job that requires a lot of travelling, and I know that with all of the points that they wrack up, they earn a lot of points towards things like airlines and hotel stays, and they get some fun perks, too!
    July 29, 2014
    Photo of Stephanie C.
    By: Stephanie Collings
    I travel for a living so I get plenty of benefits from using my Marriot Rewards Card. I cant count how many free nights and room upgrades I have gotten from this card. The hotel also has partnerships with many other companies and I am able to get discounts for being a member. I love it!
    July 21, 2014
    Photo of Lenny D.
    By: Lenny Deadski
    I used the marriott rewards premier card. The rewards weren't great and to be honest neither were the rates. The rate isn't bad but its nothing special. I used to travel a lot. I still travel a lot but I travel a lot less now. Yet what i realized something when i traveled and used the rewards from the hotel credit cards; the cards just weren't good enough to match the hassle of keeping up with them. Even if you use book a hotel about one every two or three weeks it's not necessarily worth it. I used to stay at the marriot a lot and it still was a more
    July 31, 2014
    Photo of Stephanie C.
    Stephanie Collings
    I love the rewards that I have gotten so far with my Marriot card. Lots of room upgrades and free nights and I have only had it for a year.
    July 17, 2014
    Photo of Christina C.
    By: Christina Cortez
    I have used the citi hilton honors card i really liked it when i got it because it gave me two free nights at the hotel, and who doesn't want to have two free nights at a hilton hotel. for me this is my recommendation the interest rates are just like any other card so i really didn't mind, if you want a good card this would be it!
    July 13, 2014
    Photo of Nima S.
    By: Nima Stadler
    I have a Starwood Preferred Guest Amex and as frequent travelers we get a lot of use out of this card. We were just able to use many of our points that we earned throughout the year for our trip to Thailand. We used points for airfare and then some of the leftover points to book hotel rooms. This saved us a ton on this trip! We like to take one big trip each year and this card really helps us be able to do that. Not only that but the card has many of the great benefits that other amex cards do such as purchase protection and travel accident more
    July 1, 2014
    Photo of Angela S.
    By: Angela Szarenski
    I'm a sucker for a Marriott. When I got a job that had me traveling about once a month, I decided to bite the bullet and get their rewards card. I have already been able to get three free nights to use on my own so the fee has already paid for itself and then some. I've also received free upgrades when I get to the hotels without even asking. Having the card really makes me feel like a small celebrity. I really should have done this years ago!
    June 25, 2014
    Photo of Rich M.
    By: Rich Marshall
    Starwood Preferred Guest® Credit Card is my go to credit card for all purchases, but it's spectacular when using it at hotels. As a result of this card, I've earned SPG Gold Status and now when checking into Starwood Properties, I receive a free gift at checkin, upgraded rooms, and complimentary late checkouts. I'm also treated like a king because of my status and this card.

    On top of the perks, using the card earns me 2 extra starpoints on top of the 3 already earned as an SPG member-- for a total of 5 starpoints per dollar spent at the hotel. That correlates to a massive 10-20% cashback when used more
    May 14, 2014
    Photo of Jay S.
    By: Jay See
    I use the Best Western credit card whenever I travel. I do not travel enough to maximize the benefits I could receive using this card however. That is not to say I'm dissatisfied with the card since I mainly choose to stay at Best Western hotels when traveling. I use this card for all my travel expenses as it is very convenient and overtime the rewards still add up. I have many work associates who travel more than myself, they use this same card and love it. I also like the fact that there are no annual fees. Overall this is a really great card.
    May 5, 2014
    Photo of Adrian H.
    By: Adrian Hughes
    I have had a Best Western card for a little over a year and I love it so far. It has been helping me repair my credit, but I haven't been able to reap many of the rewards yet.
    April 29, 2014
    Photo of Robert B.
    By: Robert Brasher
    When I travel for work, Best Western is where I stay, so it was an easy decision to apply for their card. Since I have been using it, I have had no problems with the service and the points have been helpful in my travels as well. I use this card for all my travel needs such as gas and food, so the points build fast. Definitely a good card for a traveler.
    April 15, 2014
    Photo of Jerry F.
    By: Jerry Fuchs
    When I travel, I usually use the Citi Hilton HHonors Visa credit card to pay for my hotel. I most often stay at Hilton because I like the chain and they are usually very clean, which is a must for me. As for the card itself, it seems very favorable, especially when compared to other similar cards. The rate I got is good, and the point earning rate is very good when compared to other cards. I also get extra points for using the card on things such as gas and groceries, and even at drugstores. I have had this card for three years now and it has been good more
    March 21, 2014
    Photo of Casi D.
    By: Casi Danielle
    I most often use the Citi Hilton Honors card because I prefer to stay at Hilton hotels. The interest rates all seemed about the same so in the end, it came down to hotel preference. The card has a great rate and also a good $$ to point ratio. The deciding factor for me though was the fact that when I signed up I got 2 weekend night stays for free. I was able to use these for a personal vacation.
    March 12, 2014
    Photo of Jessica W.
    By: Jessica Walls-Lavelle
    I use a hotel rewards credit card for most of my purchases. I travel a lot for work and when I use my Priority Club Visa at any Holiday Inn hotel I get 5 times the points. They really add up, and I have gotten many free hotel nights to use for myself.
    March 10, 2014
    Photo of Dolores B.
    By: Dolores Bucchi
    Citi Hilton HHonors Reserve Card sounds good to me because you get a 2 weekend nights bonus, points and the finance charge is not the worst.
    March 10, 2014
    Photo of Sam S.
    By: Sam Simmons
    I recently stayed at a Courtyard in Sacramento, CA. I paid for my stay using my Marriott Rewards Premier Visa Signature Card. I was treated so well because of it! The receptionist checking me in gave me a "welcome gift" because she knew I was committed to staying at the chain. I think it is worth building up loyalty to a brand (and applying for a credit card with them!).
    March 17, 2014
    Photo of Casi D.
    Casi Danielle
    I think that hotel credit cards are only good if you travel a lot.If you are someone who travels a lot, either for work or for pleasure, getting a credit card for a hotel chain would be a good choice.
    March 4, 2014
    Photo of Michael M.
    By: Michael Meza
    I think that hotel credit cards are only good if you travel a lot. I mean, it would do no good for someone that travels only once or twice a year. If the person is traveling a lot, then the card will be good to them because they will get a lot of points and rewards that will be useful to them.
    February 11, 2014
    Photo of Andrew K.
    By: Andrew Kunkle
    I think it's a great idea to pick up a hotel credit card if you're traveling regularly. There are some hotels that pop up in just about every city that you'll stop in, and if you can use a card that saves money on each and every one of those stops, then why not take advantage of it? If you're going to regularly be staying in hotels, getting one of these cards would be a great help.
    February 7, 2014
    Photo of Brent E.
    By: Brent Eickhoff
    I think that it is a good idea to use a hotel credit card if you are someone who finds themselves in a hotel a lot. It just seems like a logical way to increase points and get rewards for something that you're already doing. Of course, a negative aspect of picking a hotel card is that it ties you to a specific brand of hotel which may not be everywhere you want to travel. Either way, it can't really hurt, though. A Best Western hotel card may be helpful, just because of the ubiquitous nature of these hotels.
    January 29, 2014
    Photo of Brandon H.
    By: Brandon Hellman
    If you are someone who travels a lot, either for work or for pleasure, getting a credit card for a hotel chain would be a good choice. They offer good bonuses and rewards for using your card which can get you some free days at the hotel. This will save you quite a bit of money letting you travel more often, I would suggest using the Best Western Credit Card as it has good rewards and their hotels have a good price.
    March 26, 2014
    Photo of Malcolm J.
    Malcolm Johnson
    I agree with getting the Best Western Card. It doesn't have an annual fee and there are Best Westerns in most places.
    January 15, 2014
    Photo of Jason D.
    By: Jason Dietz
    As someone who doesn't travel frequently enough to validate actually having a hotel credit card over just a hotel rewards card, I can see the pros and cons of both sides of having one and not having one. As someone who's taken years to have their credit repaired due to an ignorant decision made when I was young (ah memories), for myself personally - a hotel credit card would have to offer an interest rate below 12% and where I could earn at least 10/points per dollar spent. Good luck to everyone here searching for your hotel credit card!
    January 14, 2014
    Photo of Catherine R.
    By: Catherine Rowntree
    Hotel credit cards work really well for me since I travel a lot and quickly accrue points. I use the Marriott Rewards credit card because Marriott is my favorite hotel chain (Courtyard Marriotts are the best!). Last month I used my reward points on my hotel stay in New York City - a great deal! Keep in mind that some cards have annual fees after the first year (mine is $45), so make sure you're using it enough to justify the cost.
    January 8, 2014
    Photo of James L.
    By: James LeGrand
    Hotel rewards are extremely useful for anyone who travels frequently. Whether you travel for leisure or business hotels rewards add up quickly. They can even save you when you least expect it. A few months ago I ran out of cash and was able to fund the rest of my trip off my hotel rewards.
    January 7, 2014
    Photo of Elias J.
    By: Elias Johnson
    Most hotel cards are only going to pay off well if you travel often and enjoy staying at that hotel. I have had a Best Western credit card for years and I find it has helped me. I travel once per week for my work and there are usually Best Western hotels where I travel. I often get to stay for free because of the rewards.
    December 27, 2013
    Photo of Doug M.
    By: Doug Miller
    I routinely travel with my job. This means a lot of nights spent in hotels. My company repays my expenses, so I’m responsible for paying the bill when I leave a hotel. This works out perfectly for me since I use a Priority club credit card to maximize my hotel points on my stays. I love getting 10 times the number of points for something that I’m not really paying for anyway. It allowed me to gain points fast and helps when it comes time to take a family vacation.
    December 24, 2013
    Photo of Jane L.
    By: Jane Lill
    As a frequent traveler I personally find hotel credit cards to be useful. I travel a lot for my own business and opted for the Marriott Rewards Premier Credit Card because I like their chain of hotels. Racking up points on hotel stays, flights, etc. is a good way to save some cash in the long run. And the interest rate is actually pretty decent for this card.
    December 13, 2013
    Photo of James C.
    By: James Cook
    When I am traveling, I use the Citi Hilton HHonors Reserve Card card because Hilton has better hotels than others. Also the interest rate is almost identical comparing to other credit cards. The reason that I choose HHonors Reserve Card because I like their benefits, such as I got two weekend nights for free which it saved me some money. Also I am happy to be using this credit card because of their benefits and it is very easy to make payments on their website.
    December 6, 2013
    Photo of Sarah B.
    By: Sarah Bowersox Barish
    I most often use the Citi Hilton HHonors card because I prefer to stay at Hilton hotels. The interest rates all seemed about the same so in the end, it came down to hotel preference. Hiltons are nicer hotels in my opinion and my husband and I enjoy staying in them. Also, the Hilton Honors card seemed to give us the most points for purchases which helps us get to free rooms faster.
    November 26, 2013
    Photo of Cody D.
    By: Cody DeLong
    For all of my hotel stays I chose the Citi Hilton HHonors Reserve Card since most of the time my company has me stay at the Hilton when I have to travel. The card has a great rate and also a good $$ to point ratio. The deciding factor for me though was the fact that when I signed up I got 2 weekend night stays for free. I was able to use these for a personal vacation my Fiancee and I took last month. I really think this card is great for people who stay at Hilton or Hilton affiliate hotels. Also I am able to transfer my Hilton more
    November 5, 2013
    Photo of Meagan M.
    By: Meagan Minard
    When it comes to deciding on a credit card for hotels, my first reaction is to check the interest rates and fees. After narrowing down the choices from there, I'll narrow down my choices by first checking out the customer service ratings, rewards, and which hotel chain I stay at the most. In turn, I ended up choosing the Citi Hilton HHonors card, since it benefited me the best.
    November 5, 2013
    Photo of Odysseas P.
    Odysseas Papadimitriou
    I would not even focus on interest rates as rewards credit cards shall be used for only purchases that will be paid in full at the end of each month.