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Compare hotel credit cards

Enjoy travel perks, free nights and more.

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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
Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Hilton Honors American Express Surpass® Card
130,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$95
With a big welcome offer worth up to $650, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Rates & fees
Hilton Honors American Express Card
80,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Marriott Bonvoy Brilliant™ American Express® Card
75,000 points after spending $3,000 in the first 3 months
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
$450
Earn 75,000 bonus points when you spend $3,000 or more within your first 3 months. Rates & fees
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Compare up to 4 providers

Hotel credit cards can help you earn points that can be redeemed for free nights at the hotel of your choice, or they can even propel you through the ranks of a hotel’s elite program. Use our table to compare your options and find the best hotel card for you.

Compare hotel cards by bank or hotel program

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Let’s break down how hotel credit cards work

A hotel credit card offers rewards for purchases that can then be redeemed on hotel stays and other related purchases. Just as airline credit cards earn more miles on airline-related purchases, hotel credit cards earn more points on hotel-related purchases.

Like airline cards, hotel credit cards also come in two varieties: cobranded, which are branded with a specific hotel, and general which aren’t.

Compare & apply for a card

Review your travel needs and compare which of the two hotel card varieties fit your needs. From there, you can apply as normal.

Earn points

Once you have your hotel card, start spending on eligible categories to earn points. While both types of cards earn points on hotel stays, cobranded cards tend to earn more on hotels associated with that specific card.

Redeem points

After you’ve earned enough points, you’ll be able to redeem them on nights at eligible hotels. Depending on the card, you might be able to use these points on other hotel-related purchases as well.

When is a hotel credit card worth it?

Whether a hotel credit card is worth grabbing depends on a few factors, including whether you actually stay at hotels during travel. Here are a few reasons why it might be a good idea to pick up a hotel card:

  • You have a preferred hotel brand. A hotel card is often worth it if you regularly stay at a specific hotel chain when you travel. If you stay at different hotels each time you take a trip, however, a general travel card might be the better choice.
  • You take long hotel stays. Several hotel credit cards offer a free night if you stay for a certain number of days and pay with your card. This value can add up quickly.
  • You’re chasing elite status. Similarly, many hotel cards can boost your elite status gains or outright grant a status level altogether.
  • You spend rewards on travel. If you only plan on spending your points on hotel stays, a hotel card is your best value. If you want a bit more flexibility, you’re better off with a general travel card.
  • You want perks. Hotel cards offer specific perks associated with the card’s hotel brand. These are often lucrative and can make your stays more comfortable.

If most of these reasons don’t apply to you, a general travel card is likely the better choice.

How to compare hotel credit cards

The best hotel card will offer the benefits and perks that offer the most value. Here’s a quick overview of the major card features you’ll want to look at when comparing hotel credit cards:

Loyalty program

If you have a preferred hotel chain, you’ll want to see if they offer a cobranded credit card. Otherwise, a general hotel card might prove more useful.

Signup bonus

Many hotel credit cards offer a sizable signup bonus that you can use toward several free nights.

Earning rates

Beyond the signup bonus, a high earning rate or an earning rate on categories you often spend in are important to keep generating value through the lifetime of the card.

Annual fee

Travel cards that offer perks often require you pay an annual fee to use them.

Travel expenses

A hotel credit card only makes sense if you spend a significant amount of time and money at hotels during your travels.

Perks

In addition to rewards rates, hotel cards often come with additional perks to sweeten the deal, such as complimentary elite status, resort credits and free award nights.

You asked, we listened: Top 5 common questions

Unsung heroes in the travel card space, hotel cards have a lot to offer. Here are the 5 most common questions we receive on the subject.

  1. How much are credit card hotel points worth? The average value of your accrued hotel points ultimately vary depending on the specific hotel loyalty program.
  2. Can I get a hotel credit card with bad credit? Generally, most hotel credit cards require a good or better credit score. With that said, there are a few credit cards that may offer rewards on hotel spending that you can obtain with bad credit.
  3. What kinds of hotel cards are there? Hotel credit cards come in two varieties: cobranded, which are released under the umbrella of a specific hotel chain, and general, which can be used on any hotel.
  4. What is the best hotel credit card? The “best” hotel credit card ultimately comes down to your hotel and spending preferences.
  5. What’s the difference between hotel credit cards and travel credit cards? Hotel credit cards offer points, perks and rewards on hotel related purchases. Travel credit cards offer general reward points that can be used on hotels as well as other travel options, such as airlines and cruises.

Read more about hotel credit cards

Megan Horner

Megan Horner
Credit Cards Publisher

Hi, I’m Megan! I recently opened a hotel credit card to get staus as well as stellar perks. I had lots of questions before I picked the right card for me. Below are some of the articles that helped me make my decision.

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Bottom line

There are numerous great hotel credit cards out there, but it’s hard to go wrong with one of the five we’ve highlighted above. If you need more help choosing what’s right for you, compare no-annual-fee hotel cards or check out hotel loyalty brands for more in-depth information.

If you’re looking for more flexible options, consider a travel credit card designed for airline travel to find one that suits your needs.

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