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Hotel Credit Cards

Hotel credit cards are linked to specific hotel chains and offer rewards that can only be redeemed at the affiliated company’s properties or those of its partners. If you travel frequently and are a brand-loyal hotel visitor, look into the hotel credit card(s) tied to your chain of choice. Only brand-loyal frequent travelers will be able to redeem their hotel rewards often enough to consistently reap tangible perks and avoid the threat of devaluation.

If you don’t fit those criteria, consider a generic travel rewards credit card that allows you to redeem miles for any travel related expense, including…show more

    4.5 272 reviews

    Starwood Preferred Guest® Credit Card from American Express


    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, $95 after
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 30,000 Starpoints
    • Minimum Credit Excellent
    • Rewards Details
    • Limited Time Offer: Earn 30,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months
    • New: Receive free in-room, premium internet access. Booking requirements apply
    • New: Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required
    • Earn free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates.
    • Some hotels may have mandatory service and resort charges
    • Terms and limitations apply
    • Additional Info
    • New: No Foreign Transaction Fees on international purchases.
    • $0 introductory annual fee for the first year, then $95
    • See More Details & Reviews About The Starwood Preferred Guest® Credit Card from American Express
    3.5 256 reviews

    Citi® Hilton HHonors™ Visa Signature® Card


    hilton hhonors visa credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 15.24% - 19.24% (V)
    • Annual Fee None
    • Rewards Rate 2 - 6 points / $1
    • Rewards Bonus 75,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Limited Time: Earn 75,000 Hilton HHonors Bonus Points after making $2,000 in purchases within the first 3 months of account opening*
    • Earn 6 HHonors Bonus Points for each $1 spent at any participating hotel within the Hilton 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*
    • Enjoy the benefits of HHonors Silver status as long as you are a cardmember*
    • Additional Info
    • No annual fee.*
    • See More Details & Reviews About The Citi® Hilton HHonors™ Visa Signature® Card
    3 148 reviews

    Citi® Hilton HHonors™ Reserve Card


    hilton reserve credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 15.24% (V)
    • Annual Fee $95
    • Rewards Rate 3 - 10 points / $1
    • Rewards Bonus 2 Weekend Nights
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton 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 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*
    • Additional Info
    • No foreign transaction fees on purchases*
    • Travel with ease and enjoy global acceptance with your Citi chip credit card
    • See More Details & Reviews About The Citi® Hilton HHonors™ Reserve Card
    3.5 499 reviews

    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 Rate 1 - 5 points / $1
    • Rewards Bonus 50,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 50,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening
    • Enjoy 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
    • For every $1 spent, earn 5 points at 4,000 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
    • The fastest way to earn Marriott Rewards points towards free nights
    • No limit to how many points you can earn
    • Additional Info
    • Pay no foreign transaction fees and enjoy wider acceptance when you travel with your embedded chip card and you make purchases at chip-enabled card readers
    • $0 Introductory annual fee, then $85
    • See More Details & Reviews About The Marriott Rewards® Premier Credit Card
    4 55 reviews

    Club CarlsonSM Premier Rewards Visa Signature® Card


    club carlson premier credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 13.99% - 22.99% (V)
    • Annual Fee $75
    • Rewards Rate 5 - 10 points / $1
    • Rewards Bonus 85,000 points
    • Minimum Credit Good
    • Rewards Details
    • Earn 50,000 Gold Points after your first purchase, plus 35,000 points once you spend $2,500 on your card within the first 90 days - that's up to 9 Free Award Nights at Category 1 hotels
    • 10 points per $1 spent in eligible net purchases at participating Carlson Rezidor hotels worldwide
    • 5 points per $1 spent in eligible net purchases everywhere else
    • Club Carlson Gold Status is yours after you activate and use your card
    • Additional Info
    • Please see terms and conditions for complete details
    • Net purchases are purchases minus credits and returns
    • Subject to credit approval
    • See More Details & Reviews About The Club CarlsonSM Premier Rewards Visa Signature® Card
    4.5 142 reviews

    IHG® Rewards Club Select Credit Card


    ihg credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 15.99% (V)
    • Annual Fee None 1st yr, $49 after
    • Rewards Rate 1 - 5 points / $1
    • Rewards Bonus 60,000 points
    • Minimum Credit Good
    • Rewards Details
    • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months of account opening
    • Enjoy a free night of card membership at over 4,900 hotels worldwide
    • Earn 5 points for each $1 spent at our hotels
    • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
    • Bonus points redeemable at hotels such as Intercontinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
    • Automatic platinum elite status, as long as you remain a cardmember
    • Additional Info
    • $0 introductory annual fee the first year, then $49
    • See More Details & Reviews About The IHG® Rewards Club Select Credit Card
    4 140 reviews

    Best Western Credit Card


    best western credit card
    • 0% Purchases 6 months
    • 0% Transfers 6 months3% Transfer Fee
    • Regular Rate 15.99% - 22.99% (V)
    • Annual Fee None
    • Rewards Rate 1 - 3 points / $1
    • Rewards Bonus 20,000 points
    • Minimum Credit Good
    • Rewards Details
    • 10,000 bonus points after you spend $1,000 in first 3 billing cycles + 10,000 bonus points after you spend total of $3,000 in the first 6 billing cycles
    • 13 points per $1 on Best Western stays (10 points as Best Western Rewards® member, 3 points for using your Best Western Credit Card)
    • 1 point per $1 spent on all other purchases
    • Automatic Gold Elite Status
    • 10% discount on stays at bwrcarddiscount.com
    • Additional Info
    • See More Details & Reviews About The Best Western Credit Card
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    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

    Ask a question or help others find the best hotel credit cards by sharing some tips.

     
    Aug 13, 2015
    By:
    The Marriott Rewards card is by far the best hotel card I have used to date. As I often stay in their line of hotels as I'm out for business, I'm able to rack up rewards points like no ones business. The flexibility and ease of use in utilizing the points I earn with each stay is the prime reason I love this card. With things like VIP, free room service, room upgrades etc, what's there not to love?
    Aug 12, 2015
    By:
    Personally for me I use the Best Western Credit Card. I travel frequently for work and more often than not I find myself staying at nearby Best Westerns. When I learned that they offer a credit card for with your stay I signed up thinking it couldn't hurt anything. The No Annual fee is a plus and you gain 10,000 points for your first stay. After a while you can save up enough to pay for a room and more for a night. I've only used it a couple times so far but the benefits have certainly been worth it.
    Aug 12, 2015
    By:
    A hotel credit card seems to be useful for someone who may travel a good bit. Having a credit card that allows you to earn points towards your favorite hotel chain, or for the travel itself is a better value than a card that does nothing for you. I would personally choose the Citi Hilton HHonors Visa Signature Card. I tend to stay in Hilton hotels, and I prefer that chain. The rewards for this card makes the most sense to me.
    Aug 7, 2015
    By:
    I have the Marriott Rewards Visa and I love it. I do a lot of travelling for business so I accumulate a lot of points which I can use for room upgrades, free nights, or for room service. When looking for a hotel rewards card I would recommend looking at the rewards bonus you can receive for spending x number of dollars on your new card. This is a great way to initially build up your points and get you well on your way to that free night.
    Aug 2, 2015
    By:
    Citi® Hilton HHonors™ Visa Signature® Card is truly fantastic. I love the reward points. With 2-6 points being equal to $1 I often feel like I'm really getting something back when I spend using this card. It has no annual fee and no fee for being over my credit limit.
    I would not suggest using the cash advance, since the fees are a bit steep. But all in all, this is the best hotel card out there.
    Jul 30, 2015
    By:
    The IHG Rewards Club Select Card is my favorite because my family likes to stay at Holiday Inn Express or Staybridge Suites and the Rewards Bonus means at least one free night. With points earned on purchases also, I will be able to travel in a less stressful way. I wish that there wasn’t an annual fee after the first year, but with the free nights I’ll be earning, it is okay.
    Jul 30, 2015
    By:
    Out of all of the cards presented above, I personally like the IHG® Rewards Club Select Credit Card the most. The lack of an annual fee for the first year is fantastic, and even then, an annual fee of $49 is on the lower end of the spectrum as far as credit cards go. It also gives you a great bonus of 60,000 points right out of the gate, which helps you out tremendously.
    Jul 19, 2015
    By:
    I think the best card out of the cards available is the Citi® Hilton HHonors™ Visa Signature® Card. For starters, 2-6 points equal a dollar, and on a lot of the other options you need about twice as many points for a dollar. The 75,000 points for me would be easily attainable as I could easily spend $2,000 in three months. The APR is about the same as any other card. And Hilton Hotels are about as good or better than any other hotel group, so this card sounds like a winner to me! The only drawback I foresee is the cash advance fees, but that's a feature I'm rarely using anyway.
    Jul 15, 2015
    By:
    When picking a hotel card, some of the most valuable attributes that I focus on are the initial bonus for x amount spent and the rewards system itself. A hotel credit card can be extremely important for people that travel often since it can earn many free nights. Furthermore, I find it attractive when there are small perks such as free WiFi.
    Jul 15, 2015
    By:
    Since I love to travel and do so frequently, hotel credit cards are by far the most useful types of credit cards that exist, especially for me. I very much enjoy as many perks as I can when I travel. Knowing that I will receive a complimentary upgrade to a better level of room, or some other extra amenity for using my hotel credit card, it makes those trips much more enjoyable. As a tip, I would suggest that if you use a hotel credit card that has a points-based reward system based on the amount of dollars you have charged, wait until you have racked up a large amount of points before you redeem them to get the best bang for your buck. Often times, the best rewards are those with the most points value and they can equal free stays of one or more nights.
    Jun 28, 2015
    By:
    I’ve been travelling a lot for work the past couple of years so I’ve been buying tickets using my own credit card and expensing them. I was thinking wouldn’t it be great to have some sort of hotel credit card that earns me rewards? I applied for the Citi Hilton HHonors Visa Signature Card and it’s been the best card I’ve used so far. I love how I am able to rack up points very quickly since I travel so much. I often have enough points for free hotel stays just after a few months. I love the fact that there is also no annual fee.
    Jun 28, 2015
    By:
    If you are a frequent traveler, hotel credit cards are definitely useful. I’ve been using the Marriot Rewards Premier Credit Card and I often use the points I get to get free nights at their hotels. It’s definitely worth it if you travel a lot. Before you know it, you have enough points to redeem.
    Jun 27, 2015
    By:
    I recently acquired a rewards card for IHG hotels brands through Chase bank. Simply signing up for the card gave me enough points on my account for three or four free hotel nights depending on the hotel/brand. I find the hotel credit cards are a great way to rack up points for free and reduced price hotel rooms for impromptu travel and vacation. I recommend looking for cards with a low annual fee and then using them regularly to reap their full advantage.
    Jun 26, 2015
    By:
    My personal favorite is the Capital Quicksilver One card, this card offers 1.5% cash back on all purchases. There is no points system for flights or hotels and the percentage back on purchases does not change on each category - it is just a straight 1.5% cash back. The cash back goes into a balance that can be used to pay towards a specific purchase, the balance on the card or you can request a cash withdrawal of the balance via check. I use this card for my monthly expenses and have earned several hundred back this year alone.
    Jun 20, 2015
    By:
    Hotel credit cards are very useful for travelers because of the rewards you can accumulate. If you travel frequently, then you can get these reward points a lot faster and you can redeem them at the hotel your credit card is linked to. You can get a free hotel booking for example if you have enough points.
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