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Best hotel credit cards

We compared nearly 100 cards to find the best six for your next stay.

Updated

Fact checked

Our pick for a hotel card with everyday rewards: The World of Hyatt Credit Card

The World of Hyatt Credit Card logo

25,000-point

Signup bonus after spending $3,000 in first 3 months

  • Earn up to 9x points at Hyatt hotels
  • 2x points on gyms, commuting, dining and airlines
  • Annual Free Night Award
See offer
The Finder credit card experts reviewed nearly 100 travel cards to assess and rank the best hotel credit cards on the market and make your choice that much easier. But the pick that’s best for you will depend on how often you travel and what perks you’re looking for.
  • Why trust us? The Finder credit card crew spends hundreds of hours each week reviewing and writing about the latest credit card news and guidance. That research extends to every type of credit card available, from reward cards to airline cards to hotel cards. With so many travel reward cards to choose from, we know that consumers want help cutting through the chaff and finding the right card for them. This is our primary goal at Finder and one we take seriously: we follow strict editorial guidelines that keep our content unbiased, accurate and positioned to help our readers as best as possible.

Best hotel credit cards

Here are our picks for the top hotel credit cards in the following categories.

Quick look: Top rewards credit cards

Best hotel credit card for everyday spending
The World of Hyatt Credit Card

The World of Hyatt Credit Card logo
Finder Rating: 3.8 / 5

★★★★★

Credit recommended (670-850)
See offer
on Creditcards.com's secure site
Rates & fees

670
Min. credit score
$95
Annual fee
25,000
Points welcome offer
Up to 9x
Points

The World of Hyatt Credit Card’s strength comes from the number of perks and benefits you get for the price. Though you’ll pay $95 annually, perks like the free anniversary night, Elite Discoverist status and enormous signup bonus bring a value you’d find on much more expensive cards.

Plus, World of Hyatt points are currently the most valuable hotel points available and this card earns them on a wider variety of categories than you’d find on competing hotel cards.

  • Signup bonus. Spend $3,000 on purchases in the 3 months following your account opening and get 25,000 bonus points. Spend an additional $6,000 on purchases in the first 6 months to earn another 25,000 bonus points.
  • Earn points. Earn 4x bonus points at all Hyatt hotels and get an additional 5x base points just by being a World of Hyatt member for a total of 9x points. Earn 2x points on fitness club and gym memberships, local transit and commuting purchases, at restaurants and on airline tickets purchased directly from the airline. On all other purchases, earn 1x points.
  • Free award nights. Earn a free night stay at a category 1 to 4 Hyatt hotel or resort each card anniversary. You can also earn a free night for spending $15,000 in a given year .
  • Annual fee. To use the card and its perks, you'll pay $95 each year.
Annual fee $95
Purchase APR 15.99% to 22.99% variable
Foreign transaction fee None
Welcome offer 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months
Rewards 4x total points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases

Best hotel credit card for free nights
IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier Credit Card logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (670-850)
See offer
on Creditcards.com's secure site
Rates & fees

670
Min. credit score
$89
Annual fee
140,000
Points welcome offer
Up to 25x
Points

The IHG® Rewards Club Premier Credit Card is something of a sleeper. The IHG name arguably doesn’t carry the same weight as Hyatt or Hilton, but in terms of worth, its points are worth more than several competitors (including Hilton).

Combine that point value with a card that earns an insane and uncontested amount of points on IHG hotel stays as well as several free reward night opportunities and you have a card that can bring more value to the table than a luxury card.

  • Signup bonus. Earn 140,000 bonus points once you spend $3,000 in your first 3 months of account opening. Most credit cards that offer such generous signup bonuses usually require a higher spend of around $4,000 in the first three months.
  • Earn points. Earn 25x points on IHG stays, 2x points at gas stations, grocery stores and restaurants and 1x points on everything else you buy.
  • Fourth reward night free. Redeem your points for four or more reward nights and get an additional reward night.
  • Annual fee. To use the card and its perks, you'll pay $89 each year.
Annual fee $89
Purchase APR 15.99% to 22.99% variable
Foreign transaction fee None
Welcome offer 140,000 points after spending $3,000 in the first 3 months
Rewards 25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases

Compare other travel credit cards

Best for travel credits
Chase Sapphire Reserve®

Chase Sapphire Reserve® logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850)
Apply now
on Chase's secure site
Rates & fees

740
Min. credit score
$550
Annual fee
50,000
Points welcome offer
Up to 10x
Points

There’s a lot to love about the Chase Sapphire Reserve® , whether it’s the ability to transfer your points to travel partners or the array of travel perks. Among luxury travel cards, it has the most flexible and valuable annual travel credit, covering up to $300 of your travel purchases automatically each year.

Other cards, including the Platinum Card from American Express, offer a lower value and more restrictions on how you can redeem that credit.

  • Signup bonus. Earn 50,000 bonus points when you spend $4,000 in your first 3 months of card membership. This is worth $750 if you redeem through the Chase Ultimate Rewards travel portal.
  • Earn rewards points. Earn 3x points on travel and dining at restaurants worldwide and 1x points on all other purchases. The 3x points can be worth 4.5% back if redeemed on travel purchases through the Chase Ultimate Rewards. You also earn 10x points on Lyft purchases until March 2022. This can be worth up to 15% back in travel purchases via the Chase Ultimate Rewards portal.
  • Annual travel credit. Get $300 in statement credit as reimbursement for your travel purchases every year on your card account anniversary.
  • Annual fee. Awesome perks come with a high annual fee. You'll pay $550 annual fee for the card.
Annual fee $550
Purchase APR 16.99% to 23.99% variable
Foreign transaction fee None
Welcome offer 50,000 points after spending $4,000 in the first 3 months
Rewards 10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases

Best hotel card with no annual fee
Hilton Honors American Express Card

Hilton Honors American Express Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$0
Annual fee
80,000
Points welcome offer
Up to 7x
Points

With a welcome offer worth around $400 and more than 7% back in points on Hilton purchases, the Hilton Honors American Express Card may look similar to some competitors.

The card’s biggest selling point though is the high earning rate on other purchases: up to 5x Hilton Honors points on dining, gas and grocery purchases and 3x points on everything else. So spending $550 in a month on your typical grocery purchases will result in 2,750 Hilton points: an $11 value. Other cards offer much smaller rates on non-travel purchases.

  • Welcome offer. Earn 80,000 bonus points after you spend $1,000 in eligible purchases during your first 3 months of account opening. With an average points value of 0.4 cents, this is worth around $400.
  • Reward points. Earn 7x points Hilton hotels and resorts, 5x points at US restaurants, US supermarkets and US gas stations, and 3x points on everything else.
  • Silver status. Get a complimentary upgrade to Hilton Honors Silver just by being a card member.
  • Limited acceptance abroad. As an Amex card, it's not as widely accepted overseas as Visa and Mastercard.
  • No intro APR period. You don't get a 0% intro APR period on balance transfers, purchases or both.
Annual fee $0
Purchase APR 15.74% to 24.74% variable
Foreign transaction fee None
Welcome offer 80,000 points after spending $1,000 in the first 3 months
Rewards 7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases

Best hotel credit card for transferring points to airlines
Marriott Bonvoy Brilliant™ American Express® Card

Marriott Bonvoy Brilliant™ American Express® Card logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850)
Apply now
on American Express's secure site
Rates & fees

740
Min. credit score
$450
Annual fee
75,000
Points welcome offer
Up to 6x
Points

The Marriott Bonvoy Brilliant™ American Express® Card is one of the few hotel cards that can transfer points to airline travel partners. On top of solid luxury perks and earnings, this makes the card a unique option for those who want to convert their frequent hotel stays into occasional airline reward flights.

Marriott Bonvoy points also happen to be worth 0.9 cents a piece, which is a good value for a card that earns accelerated rewards on hotel nights and restaurants and flights.

  • Welcome offer. Earn 75,000 bonus points after you spend $3,000 within your first 3 months of account opening. This is worth at least one free night.
  • Reward points. Earn 6x points on eligible Marriott purchases, 3x points at US restaurants and flights booked directly with airlines, and 2x points on everything else.
  • Marriott benefits. Get strong hotel perks, including a $300 Marriott credit.
  • Annual fee. Get a hefty $450 annual fee.
  • No intro APR. You don't get a 0% intro APR period on balance transfers and purchases.
Annual fee $450
Purchase APR 15.74% to 24.74% variable
Foreign transaction fee None
Welcome offer 75,000 points after spending $3,000 in the first 3 months
Rewards 6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases

Compare other Chase hotel credit cards

Best for airport lounge access without a high annual fee
Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card logo
Finder Rating: 4.5 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$95
Annual fee
130,000
Points welcome offer
Up to 12x
Points

Most hotel credit cards don’t offer airline perks, but the American Express Surpass Card is a notable exception to the rule. It offers 10 free visits to Priority Pass Select lounges each year when you enroll, a feature you’d typically find only in airline or general travel credit cards.

Chances are that if you’re traveling and staying in a hotel, you may well have taken a flight to get to your destination, and this card can help you relax with complimentary food and drink while you wait for your flight.

  • Reward points. Earn 12x points on purchases within the Hilton Portfolio, 6x points at US restaurants, US supermarkets and US gas stations, and 3x on everything else.
  • Welcome offer. Earn 130,000 bonus points after you spend $2,000 in your first 3 months of card membership. This is worth around $650 in Hilton stays.
  • Priority Pass visits. Get 10 complimentary Priority Pass visits each year.
  • Annual fee. Pay a $95 annual fee to use this card.
  • Limited acceptance abroad. Since this is an Amex card, it may not be as widely accepted overseas.
Annual fee $95
Purchase APR 15.74% to 24.74% variable
Foreign transaction fee None
Welcome offer 130,000 points after spending $2,000 in the first 3 months
Rewards 12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases

Methodology

We looked at a variety of factors consumers might weigh when selecting a hotel card, including hotel brand, welcome offer value, bonus point earning rates, additional travel perks, annual fee, redemption options and other hotel or travel concerns. We chose the credit cards that stood out among the rest in a given category or fulfilled a specific niche.

What’s changed in 2021

We’ve added the Chase Sapphire Preferred® Card to our list this year as a cheaper way to take advantage of flexible reward points on both hotels and airlines. Our other placements remained unchanged thanks to a weakened year for travel in 2020 leading to few major card changes.

How to compare hotel card points

Put simply, the higher the monetary value of a hotel point, the more lucrative it is to earn and use those points. Of course, point values can fluctuate based on how you use them – a single point can be worth 2 cents when redeemed on a night stay, and just 0.5 cents when redeemed on merchandise for example.

Credit card and airline rewards points tend to average around 1 to 1.5 cents a piece. Unfortunately, most hotel reward points come in at a lower value than this average. The most valuable hotel reward point as of January 2021 is World of Hyatt, clocking in at 2 cents a piece. The lowest: Radisson Rewards and Hilton Honors, both worth about 0.4 cents a piece.

Finder has calculated the average point value across rewards programs for your convenience. But if you’d like to identify the value of a point on a given redemption, you can divide the monetary cost of a night stay or purchase by the number of points the same night would require for redemption.

What benefits should I look for in a hotel credit card?

Hotel credit cards offer a few benefits designed to help you make the most of your hotel loyalty membership. Like other types of credit cards, you’ll find a variety of hotel credit cards, including those with no annual fees as well as those cobranded by a particular hotel. Here are just a few perks you can expect:

  • Signup bonuses. Perhaps one of the bigger draws of hotel credit cards are the generous welcome offers. Completing welcome offer requirements within the allotted time could earn you a point bonus worth at least one reward night stay at an eligible hotel property. Both annual fee credit cards and no annual fee credit cards can come with signup bonuses, though you might find bigger bonuses on a card with an annual fee.
  • Increased earning rates. Hotel credit cards typically offer an increased point earning rate on purchases associated with that hotel loyalty program. These cards also tend to offer points on non-hotel purchases as well, albeit at a lower rate. Like signup bonuses, earning rates are often higher on cards with annual fees.
  • Elite status. Some hotel cards grant immediate elite status as soon as you open your account. For many hotel programs this is a huge boon as you can expect not only improved earning rates with higher tiers but even more complementary benefits. Credit cards with no annual fees rarely offer complimentary elite status.
  • Reward nights. Some hotel credit cards offer reward nights when you spend a minimum amount of money on purchases within a calendar year. Currently, you’ll only find free night rewards on a few hotel credit cards that carry an annual fee.
  • Concierge services and other perks. Some hotel credit cards come with additional travel perks such as concierge services or travel insurance. These benefits can prove useful for the frequent traveler and even potentially save you some money. You’ll typically only find concierge services and similar perks on cards sporting an annual fee.

Bottom line

If none of these cards are the right fit for you, compare more hotel cards to find out which benefits matter most to you. And if you’re more interested in flexible rewards, check out some rewards cards that offer point transfers.

Frequently asked questions

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

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