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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

    4.5 310 reviews

    Starwood Preferred Guest® Credit Card from American Express


    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 15.49% - 19.49% (V)
    • Annual Fee None 1st yr, $95 after
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 25,000 Starpoints
    • Minimum Credit Excellent
    • Rewards Details
    • Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
    • Receive free in-room, premium internet access. Booking requirements apply.
    • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
    • Get 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 Conditions apply.
    • Additional Info
    • 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
    3.5 302 reviews

    Citi® Hilton HHonors™ Visa Signature® Card


    hilton hhonors credit card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 15.49% - 19.49% (V)
    • Annual Fee None
    • Rewards Rate 2 - 6 points / $1
    • Rewards Bonus 75,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • For a 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
    3 163 reviews

    Citi® Hilton HHonors™ Reserve Card


    hilton reserve card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 15.49% (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
    4 238 reviews

    Hilton HHonors™ Card from American Express


    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 15.49% - 19.49% (V)
    • Annual Fee None
    • Rewards Rate 3 - 7 points / $1
    • Rewards Bonus 50,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 50,000 Hilton HHonors™ Bonus Points after you spend $750 in purchases on the Card within your first 3 months of Card Membership.
    • Get 7X Hilton HHonors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
    • Get 5X Hilton HHonors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
    • Get 3X Hilton HHonors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
    • Enjoy complimentary Silver status with your Hilton HHonors™ Card.
    • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn HHonors Gold status through the end of the next calendar year.
    • Terms and Conditions apply.
    • Additional Info
    • See More Details & Reviews About The Hilton HHonors™ Card from American Express
    0 0 reviews

    Best Western Premium Credit Card


    best western rewards premium credit card
    • Purchase Intro APR 0% for 6 months
    • Transfer Intro APR 0% for 6 months 3% Transfer Fee
    • Regular APR 15.24% - 20.24% (V)
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Rate 1 - 10 points / $1
    • Rewards Bonus 50,000 points
    • Minimum Credit Good
    • Rewards Details
    • 25,000 bonus points after you spend $2,500 in first 3 billing cycles + 25,000 bonus points after you spend total of $5,000 in the first 6 billing cycles
    • 20,000 bonus points when you spend at least $10,000 during each 12 billing cycle period
    • 20 points per $1 on Best Western stays (10 points as Best Western Rewards® member, 10 points for using your Best Western Premium Credit Card)
    • Earn 1 point per $1 spent on all other purchases
    • Automatic Platinum Elite Status
    • 10% discount on stays at bwrcarddiscount.com
    • Additional Info
    • See More Details & Reviews About The Best Western Premium Credit Card
    4 149 reviews

    Best Western Credit Card


    best western credit card
    • Purchase Intro APR 0% for 6 months
    • Transfer Intro APR 0% for 6 months 3% Transfer Fee
    • Regular APR 16.24% - 23.24% (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
    0 0 reviews

    Best Western Secured Credit Card


    best western rewards secured credit card
    • Secured Credit Card Min Deposit of $300
    • One-Time Fees None
    • Regular Rate 21.24% (V)
    • Annual Fee $40
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • 5,000 bonus points after your first purchase
    • 13 points per $1 on Best Western stays (10 points as Best Western Rewards® member, 3 points for using your Best Western Secured Credit Card)
    • Earn 1 point per $1 spent on all other purchases
    • 10% discount on stays at bwrcarddiscount.com
    • Additional Info
    • Apply, make a deposit between $300-$5,000 and upon approval, help establish or rebuild your credit
    • Graduate to an unsecured card in as little as 11 months when you maintain a good payment history
    • See More Details & Reviews About The Best Western Secured Credit Card
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    Fair Credit 620 – 660
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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.

     
    Oct 21, 2015
    By:
    I use the Choice Privileges Visa credit card. I started off using just a regular Choice Privileges card and liked earning points whenever I would stay in a hotel. Occasionally I would earn enough points for a free night somewhere. Those points always seemed to kick in whenever I needed them most. Now with the Choice Privileges Visa credit card, I accumulate points more quickly when I stay somewhere, as well as earning points when I buy gift cards or any other purchase using the credit card.
    Oct 21, 2015
    By:
    I just signed up for the IHG Rewards Clue Select card, and I'm now eagerly looking forward to receiving it. The primary reasons I decided upon the IHG is because it only requires "good" credit and that I prefer to be budget conscious and chose Holiday Inns when I'm traveling. Plus, throw in the lower annual fee and it seems like I great fit for me, providing a ten percent discount on their hotels plus I'll receive double points on gas.
    Oct 10, 2015
    By:
    I am happy with my Chase IHG Rewards Club Select MasterCard. There is an annual fee of $49 after the first year as a cardholder; however, the fee more than pays for itself as it entitles me to a free night per year at any IHG property anywhere in the world. I'm planning to use my next award night at Staybridge Suites Times Square in New York where nightly rates hover around $450. Moreover, Chase IHG cardholders enjoy 10% points rebate when redeeming IHG points for stays at IHG properties which effectively lowers the overall cost of redemptions. I also love IHG's Pointbreak promotions where participating hotels only cost 5,000 IHG points per night. With the 10% IHG credit card rebate perk, my net cost is lowered to 4,500 IHG points. The IHG card charging no foreign exchange fees is a definite plus as I often use this card at IHG properties overseas.
    Oct 6, 2015
    By:
    I travel for business about 2 weeks a month and when I do, I use my American Express Starwood Preferred guest card for all my purchases. Then I save the points for taking the family on vacation, so my business travels pay for my hotel on vacation. Can't beat that. The interest rates a little high, but I pay it off every month anyway, so that doesn't really affect me.
    Oct 6, 2015
    By:
    I have the IHG Rewards Clue Select card. Whenever I have a trip planned, either for fun or for work, I start using it for all kinds of purchases, like gas and groceries, in order to get points towards hotels, like Holiday Inn. It’s saved me a lot of money. I wish they would get rid of the annual fee entirely, but otherwise I like the card a lot.
    Oct 6, 2015
    By:
    I use my Chase Sapphire card to get free rooms in hotels and some great gifts when I use it for purchases. I have been using this card for about 11 years and it has not let me down once. I have paid for trips to Hawaii with it and Have stayed in some very wonderful hotels because of the saving this card does. I recommend it to everyone that loves to travel. You do have to spend big in order to get much points, but that is the sole reason I have this card. In case I do spend big, I will make sure to do it with this card.
    Sep 19, 2015
    By:
    I use the Marriott Rewards® Premier Credit Card. I use it every time I go on business trips so I can get reimbursed by my company but I keep all the reward points. This way I can rack up those rewards in no time. The only thing I would change is to remove the annual fee.
    Sep 19, 2015
    By:
    I personally love the four seasons hotels and resorts. If there is one of these hotels in town, then I will take advantage of the opportunity and book two or three nights in advance for me and my kids. Another hotel that I love are the Marriott hotels, and the reward cards that they offer. When I go to a hotel, I want a good and cheap hotel. The Marriott Reward card has saved me about 300 dollars, I believe, and I am very happy to say that. I love that the more points I get on my card, I will get a free night later on. I always make sure that I bring my card whenever I go to this hotel.
    Sep 5, 2015
    By:
    Well a good hotel rewards card should have points that do not expire. Points that can be transferred to other things like dinner and gift shop options. But must of all should be something that guarantees the price. Most of the time I stay in different hotel even if I have the credit card rewards due to better prices, amenities, etc. If you are a loyal guest and have the rewards credit card from them why not guarantee a low price to the loyal customer? Show your loyalty back by giving real time, money saving perks back to the loyal guest.
    Sep 5, 2015
    By:
    The Best Western card is a very solid value. With no annual fees and credit profile of Good - Excellent, it is a very flexible option. Getting an immediate 10,000 points on the first visit is quite attractive. With Best Western behind you, your travel needs are taken care of and the card rewards you.
    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.
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