Best Credit Cards for Hotel Stays

TPG Editor's Rating

3.5/5

at American Express's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
12X	Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
6X	Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
4X	Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
3X	Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

Intro offer

Earn 130,000 Hilton Honors Points + a Free Night Reward

Annual fee

$150

Regular APR

19.74%-28.74% Variable

Recommended credit

Good to Excellent

Why we chose it

The Hilton Honors American Express Surpass® Card is a solid mid-tier cobranded hotel card that offers elite-like perks for a reasonable annual fee.

Pros + cons

Pros

Reasonable annual fee
Annual Hilton credit
Hilton Honors Gold status, with the opportunity to earn Diamond status
No foreign transaction fees

Cons

Dynamic award chart can require many points for a redemption
Ties you to Hilton properties

More details

Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.
Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. With Hilton Honors Diamond status, enjoy benefits like: A 100% Bonus on all Base Points you earn on every stay, Premium Wi-Fi at select properties, Daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., Space-available room upgrades at select properties, and Executive lounge access at select properties.
Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Why we chose it

The Hilton Honors American Express Surpass® Card is a solid mid-tier cobranded hotel card that offers elite-like perks for a reasonable annual fee.

View more

Pros

Reasonable annual fee
Annual Hilton credit
Hilton Honors Gold status, with the opportunity to earn Diamond status
No foreign transaction fees

Cons

Dynamic award chart can require many points for a redemption
Ties you to Hilton properties

Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.
Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. With Hilton Honors Diamond status, enjoy benefits like: A 100% Bonus on all Base Points you earn on every stay, Premium Wi-Fi at select properties, Daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., Space-available room upgrades at select properties, and Executive lounge access at select properties.
Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Why we chose it

The Hilton Honors American Express Surpass® Card is a solid mid-tier cobranded hotel card that offers elite-like perks for a reasonable annual fee.

Pros + cons

Pros

Reasonable annual fee
Annual Hilton credit
Hilton Honors Gold status, with the opportunity to earn Diamond status
No foreign transaction fees

Cons

Dynamic award chart can require many points for a redemption
Ties you to Hilton properties

More details

Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.
Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. With Hilton Honors Diamond status, enjoy benefits like: A 100% Bonus on all Base Points you earn on every stay, Premium Wi-Fi at select properties, Daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., Space-available room upgrades at select properties, and Executive lounge access at select properties.
Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Why we chose it

The Hilton Honors American Express Surpass® Card is a solid mid-tier cobranded hotel card that offers elite-like perks for a reasonable annual fee.

Pros

Reasonable annual fee
Annual Hilton credit
Hilton Honors Gold status, with the opportunity to earn Diamond status
No foreign transaction fees

Cons

Dynamic award chart can require many points for a redemption
Ties you to Hilton properties

Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.
Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. With Hilton Honors Diamond status, enjoy benefits like: A 100% Bonus on all Base Points you earn on every stay, Premium Wi-Fi at select properties, Daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., Space-available room upgrades at select properties, and Executive lounge access at select properties.
Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Limited-Time Offer

Best for low-cost card for hilton

Hilton Honors American Express Surpass® Card

TPG Editor's Rating

at American Express's secure site.
Terms & restrictions apply. See rates & fees.

Intro offer

Earn 130,000 Hilton Honors Points + a Free Night Reward

Annual fee

$150

Regular APR

19.74%-28.74% Variable

Recommended credit

Good to Excellent

Why we chose it

The Hilton Honors American Express Surpass® Card is a solid mid-tier cobranded hotel card that offers elite-like perks for a reasonable annual fee.

Pros + cons

Pros

Reasonable annual fee
Annual Hilton credit
Hilton Honors Gold status, with the opportunity to earn Diamond status
No foreign transaction fees

Cons

Dynamic award chart can require many points for a redemption
Ties you to Hilton properties

More details

Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.
Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. With Hilton Honors Diamond status, enjoy benefits like: A 100% Bonus on all Base Points you earn on every stay, Premium Wi-Fi at select properties, Daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., Space-available room upgrades at select properties, and Executive lounge access at select properties.
Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Best for low-cost card for marriott

Marriott Bonvoy Boundless® Credit Card

TPG Editor's Rating

TPG Editor's Rating

4/5

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
17X	Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
3X	Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining.
2X	2X points for every $1 spent on all other purchases.

Intro offer

Earn 3 Free Night Awards

Annual fee

$95

Regular APR

19.49% - 27.99% Variable

Recommended credit

Good Credit, Excellent Credit

Why we chose it

The Marriott Bonvoy Boundless® Credit Card is one of several cobranded Marriot Bonvoy cards geared toward Marriott loyalists. The Bonvoy Boundless is a mid-tier card that earns up to 17 Bonvoy points per dollar spent at Marriott properties and offers cardholders an annual free night award each account anniversary.

Pros + cons

Pros

Annual free night certificate (up to 35,000 points) each cardmember anniversary
Automatic Silver elite status with a pathway to Gold

Cons

There are better Marriott cards if you want higher tier status or no annual fee

More details

Earn 3 Free Night Awards (valued up to 50,000 points) after spending $3,000 on qualifying purchases in the first 3 months spending $3,000 on eligible purchases within 3 months of account opening.
Special Offer through 6/30/2027: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That's $50 in statement credits semi-annually.
Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
Member FDIC

Why we chose it

View more

Pros

Annual free night certificate (up to 35,000 points) each cardmember anniversary
Automatic Silver elite status with a pathway to Gold

Cons

There are better Marriott cards if you want higher tier status or no annual fee

Why we chose it

Pros + cons

Pros

Annual free night certificate (up to 35,000 points) each cardmember anniversary
Automatic Silver elite status with a pathway to Gold

Cons

There are better Marriott cards if you want higher tier status or no annual fee

More details

Earn 3 Free Night Awards (valued up to 50,000 points) after spending $3,000 on qualifying purchases in the first 3 months spending $3,000 on eligible purchases within 3 months of account opening.
Special Offer through 6/30/2027: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That's $50 in statement credits semi-annually.
Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
Member FDIC

Why we chose it

Pros

Annual free night certificate (up to 35,000 points) each cardmember anniversary
Automatic Silver elite status with a pathway to Gold

Cons

There are better Marriott cards if you want higher tier status or no annual fee

Limited-Time Offer

Best for IHG loyalists seeking mid-tier perks

The New IHG One Rewards Premier Credit Card

TPG Editor's Rating

TPG Editor's Rating

3.5/5

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
24X	Earn up to 24X total points on stays at IHG Hotels & Resorts
5X	Earn 5X points on flights booked directly, car rental agencies, at gas stations, grocery stores (new!) and restaurants. Earn 3X points per $1 spent on all other purchases.
3X	Earn 3X points per $1 spent on all other purchases.

Intro offer

Earn 180,000 Bonus Points

Annual fee

$150

Regular APR

19.49% - 27.99% Variable

Recommended credit

Good Credit, Excellent Credit

Why we chose it

The IHG One Rewards Premier Credit Card has a $150 annual fee but offers a useful collection of benefits for frequent IHG guests. Cardholders receive automatic IHG One Rewards Gold Elite status, a 50,000-point anniversary night, up to $100 in annual IHG food and beverage rewards (issued as $25 per quarter), plus your fourth night free when redeeming points for a consecutive four-night stay. (Partner offer)

Pros + cons

Pros

Earn elevated rewards on IHG hotel stays, flights booked directly, and several everyday spending categories
Receive automatic IHG One Rewards Gold Elite Status
Annual food and beverage rewards at IHG hotels
Annual statement credit for qualifying airline purchases
United TravelBank Cash each calendar year
15 elite night credits every year

Cons

Annual fee may be hard to justify for infrequent IHG travelers
Redemption options outside of IHG stays provide low value
Poor transfer rates to airline partners
Some card benefits have enrollment requirements or expiration dates

More details

Limited Time Launch Offer! Earn 180,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
Earn up to 24X total points on stays at IHG Hotels & Resorts
Earn 5X points on flights booked directly, car rental agencies, at gas stations, grocery stores (new!) and restaurants. Earn 3X points per $1 spent on all other purchases.
Get an Anniversary Free Night each year. Plus, redeem 3 nights, get 4th night free when you redeem points for a consecutive four-night IHG hotel stay.
NEW! Enjoy up to $100 in Food & Beverage Rewards annually at IHG Hotels & Resorts.
This card offers over $700 in value your first year!
Automatic Gold Elite Status as long as you remain an IHG One Rewards Premier cardmember. Plus, get 15 Elite Night Credits each year (new!).
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Kimpton®, Hotel Indigo®, Crowne Plaza®, EVEN® Hotels, & Holiday Inn®
Member FDIC

Why we chose it

View more

Pros

Earn elevated rewards on IHG hotel stays, flights booked directly, and several everyday spending categories
Receive automatic IHG One Rewards Gold Elite Status
Annual food and beverage rewards at IHG hotels
Annual statement credit for qualifying airline purchases
United TravelBank Cash each calendar year
15 elite night credits every year

Cons

Annual fee may be hard to justify for infrequent IHG travelers
Redemption options outside of IHG stays provide low value
Poor transfer rates to airline partners
Some card benefits have enrollment requirements or expiration dates

Why we chose it

Pros + cons

Pros

Earn elevated rewards on IHG hotel stays, flights booked directly, and several everyday spending categories
Receive automatic IHG One Rewards Gold Elite Status
Annual food and beverage rewards at IHG hotels
Annual statement credit for qualifying airline purchases
United TravelBank Cash each calendar year
15 elite night credits every year

Cons

Annual fee may be hard to justify for infrequent IHG travelers
Redemption options outside of IHG stays provide low value
Poor transfer rates to airline partners
Some card benefits have enrollment requirements or expiration dates

More details

Limited Time Launch Offer! Earn 180,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
Earn up to 24X total points on stays at IHG Hotels & Resorts
Earn 5X points on flights booked directly, car rental agencies, at gas stations, grocery stores (new!) and restaurants. Earn 3X points per $1 spent on all other purchases.
Get an Anniversary Free Night each year. Plus, redeem 3 nights, get 4th night free when you redeem points for a consecutive four-night IHG hotel stay.
NEW! Enjoy up to $100 in Food & Beverage Rewards annually at IHG Hotels & Resorts.
This card offers over $700 in value your first year!
Automatic Gold Elite Status as long as you remain an IHG One Rewards Premier cardmember. Plus, get 15 Elite Night Credits each year (new!).
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Kimpton®, Hotel Indigo®, Crowne Plaza®, EVEN® Hotels, & Holiday Inn®
Member FDIC

Why we chose it

Pros

Earn elevated rewards on IHG hotel stays, flights booked directly, and several everyday spending categories
Receive automatic IHG One Rewards Gold Elite Status
Annual food and beverage rewards at IHG hotels
Annual statement credit for qualifying airline purchases
United TravelBank Cash each calendar year
15 elite night credits every year

Cons

Annual fee may be hard to justify for infrequent IHG travelers
Redemption options outside of IHG stays provide low value
Poor transfer rates to airline partners
Some card benefits have enrollment requirements or expiration dates

Limited-Time Offer

Best for IHG loyalists seeking mid-tier perks

The New IHG One Rewards Premier Credit Card

TPG Editor's Rating

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Intro offer

Earn 180,000 Bonus Points

Annual fee

$150

Regular APR

19.49% - 27.99% Variable

Recommended credit

Good Credit, Excellent Credit

Why we chose it

Pros + cons

Pros

Earn elevated rewards on IHG hotel stays, flights booked directly, and several everyday spending categories
Receive automatic IHG One Rewards Gold Elite Status
Annual food and beverage rewards at IHG hotels
Annual statement credit for qualifying airline purchases
United TravelBank Cash each calendar year
15 elite night credits every year

Cons

Annual fee may be hard to justify for infrequent IHG travelers
Redemption options outside of IHG stays provide low value
Poor transfer rates to airline partners
Some card benefits have enrollment requirements or expiration dates

More details

Limited Time Launch Offer! Earn 180,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
Earn up to 24X total points on stays at IHG Hotels & Resorts
Earn 5X points on flights booked directly, car rental agencies, at gas stations, grocery stores (new!) and restaurants. Earn 3X points per $1 spent on all other purchases.
Get an Anniversary Free Night each year. Plus, redeem 3 nights, get 4th night free when you redeem points for a consecutive four-night IHG hotel stay.
NEW! Enjoy up to $100 in Food & Beverage Rewards annually at IHG Hotels & Resorts.
This card offers over $700 in value your first year!
Automatic Gold Elite Status as long as you remain an IHG One Rewards Premier cardmember. Plus, get 15 Elite Night Credits each year (new!).
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Kimpton®, Hotel Indigo®, Crowne Plaza®, EVEN® Hotels, & Holiday Inn®
Member FDIC

Best for travel insurance

Chase Sapphire Preferred® Card

TPG Editor's Rating

TPG Editor's Rating

4.5/5

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
5x	Earn 5x on travel purchased through Chase Travel℠.
3x	Earn 3x on dining, vacation homes at top brands, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs).
2x	Earn 2x on all other travel purchases.
1x	Earn 1x on all other purchases.

Intro offer

75,000 bonus points.

Annual fee

$95

Regular APR

19.49% - 27.74% Variable

Recommended credit

670-850

Excellent/Good

Why we chose it

The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.

Pros + cons

Pros

Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠

Cons

Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards

More details

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs.
Member FDIC

Why we chose it

View more

Pros

Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠

Cons

Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards

Why we chose it

Pros + cons

Pros

Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠

Cons

Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards

More details

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs.
Member FDIC

Why we chose it

Pros

Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠

Cons

Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards

Best for travel insurance

Chase Sapphire Preferred® Card

TPG Editor's Rating

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Intro offer

75,000 bonus points.

Annual fee

$95

Regular APR

19.49% - 27.74% Variable

Recommended credit

670-850

Excellent/Good

Why we chose it

Pros + cons

Pros

Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠

Cons

Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards

More details

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs.
Member FDIC

Best for small businesses

Marriott Bonvoy Business® American Express® Card

TPG Editor's Rating

TPG Editor's Rating

3.5/5

at American Express's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
6x	6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x	4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x	2x points on all other eligible purchases.

Intro offer

Earn 75,000 Marriott Bonvoy® bonus points

Annual fee

$125

Regular APR

19.74% - 28.74% Variable

Recommended credit

Excellent to Good

Why we chose it

The Amex Marriott Bonvoy Business is a solid pick for small businesses that want the benefits that come with Bonvoy properties around the world. It comes with a great welcome offer and better rewards and benefits than Marriott’s consumer version.

Pros + cons

Pros

Earn a free-night award each card renewal year (up to 35,000 points)
Receive 15 elite night credits to jump-start status
Transfer Marriott points to 40+ different airlines

Cons

Airline transfer rates are less favorable
Must spend $60,000 in a year for second free-night award

More details

Welcome Offer: Earn 75,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted.
Terms apply.

Why we chose it

View more

Pros

Earn a free-night award each card renewal year (up to 35,000 points)
Receive 15 elite night credits to jump-start status
Transfer Marriott points to 40+ different airlines

Cons

Airline transfer rates are less favorable
Must spend $60,000 in a year for second free-night award

Why we chose it

Pros + cons

Pros

Earn a free-night award each card renewal year (up to 35,000 points)
Receive 15 elite night credits to jump-start status
Transfer Marriott points to 40+ different airlines

Cons

Airline transfer rates are less favorable
Must spend $60,000 in a year for second free-night award

More details

Welcome Offer: Earn 75,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted.
Terms apply.

Why we chose it

Pros

Earn a free-night award each card renewal year (up to 35,000 points)
Receive 15 elite night credits to jump-start status
Transfer Marriott points to 40+ different airlines

Cons

Airline transfer rates are less favorable
Must spend $60,000 in a year for second free-night award

Best for small businesses

Marriott Bonvoy Business® American Express® Card

TPG Editor's Rating

at American Express's secure site.
Terms & restrictions apply. See rates & fees.

Intro offer

Earn 75,000 Marriott Bonvoy® bonus points

Annual fee

$125

Regular APR

19.74% - 28.74% Variable

Recommended credit

Excellent to Good

Why we chose it

Pros + cons

Pros

Earn a free-night award each card renewal year (up to 35,000 points)
Receive 15 elite night credits to jump-start status
Transfer Marriott points to 40+ different airlines

Cons

Airline transfer rates are less favorable
Must spend $60,000 in a year for second free-night award

More details

Welcome Offer: Earn 75,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted.
Terms apply.

Limited Time: Earn 75k bonus miles + $300 stays credit
Best for non-bonus spending
Capital One Venture Rewards Credit Card
TPG Editor's Rating
4.5/5
Go to review
Compare Capital One Venture Rewards Credit Card
TPG Editor's Rating
4.5/5
at Capital One's secure site.
Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate Category
5X miles Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
2X miles Earn unlimited 2X miles on every purchase, every day
Intro offer
Earn more than $1,000 in Travel Bonuses
Annual fee
$95
Regular APR
19.74% - 28.74% (Variable)
Recommended credit
670-850
Excellent, Good
Why we chose it
Upon first glance, the Capital One Venture Rewards Credit Card might not seem like the best pick for hotel bookings — it does earn miles, after all. But the good news is that Capital One miles are transferable to the issuer’s 15-plus transfer partners (including some hotel chains). Even better? You can earn an elevated rate of 5 miles per dollar spent when you make reservations via Capital One Travel

Pros + cons
Pros
You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories
Rewards are versatile and can be redeemed for a statement credit or transferred to Capital One’s transfer partners
Cons
Highest bonus-earning categories only on travel booked via Capital One Travel
More details
LIMITED-TIME OFFER: Enjoy $300 to use on hotel and vacation rental bookings through Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s more than $1,000 in travel value
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs
Top rated mobile app
Why we chose it
Upon first glance, the Capital One Venture Rewards Credit Card might not seem like the best pick for hotel bookings — it does earn miles, after all. But the good news is that Capital One miles are transferable to the issuer’s 15-plus transfer partners (including some hotel chains). Even better? You can earn an elevated rate of 5 miles per dollar spent when you make reservations via Capital One Travel

View more
Pros
You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories
Rewards are versatile and can be redeemed for a statement credit or transferred to Capital One’s transfer partners
Cons
Highest bonus-earning categories only on travel booked via Capital One Travel
Why we chose it
Upon first glance, the Capital One Venture Rewards Credit Card might not seem like the best pick for hotel bookings — it does earn miles, after all. But the good news is that Capital One miles are transferable to the issuer’s 15-plus transfer partners (including some hotel chains). Even better? You can earn an elevated rate of 5 miles per dollar spent when you make reservations via Capital One Travel

Pros + cons
Pros
You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories
Rewards are versatile and can be redeemed for a statement credit or transferred to Capital One’s transfer partners
Cons
Highest bonus-earning categories only on travel booked via Capital One Travel
More details
LIMITED-TIME OFFER: Enjoy $300 to use on hotel and vacation rental bookings through Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s more than $1,000 in travel value
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs
Top rated mobile app
Why we chose it
Upon first glance, the Capital One Venture Rewards Credit Card might not seem like the best pick for hotel bookings — it does earn miles, after all. But the good news is that Capital One miles are transferable to the issuer’s 15-plus transfer partners (including some hotel chains). Even better? You can earn an elevated rate of 5 miles per dollar spent when you make reservations via Capital One Travel

Pros
You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories
Rewards are versatile and can be redeemed for a statement credit or transferred to Capital One’s transfer partners
Cons
Highest bonus-earning categories only on travel booked via Capital One Travel
Limited Time: Earn 75k bonus miles + $300 stays credit
Best for non-bonus spending
Capital One Venture Rewards Credit Card
Compare Capital One Venture Rewards Credit Card
TPG Editor's Rating
4.5/5
Go to review
at Capital One's secure site.
Terms & restrictions apply. See rates & fees.
Intro offer
Earn more than $1,000 in Travel Bonuses
Annual fee
$95
Regular APR
19.74% - 28.74% (Variable)
Recommended credit
670-850
Excellent, Good
Why we chose it
Upon first glance, the Capital One Venture Rewards Credit Card might not seem like the best pick for hotel bookings — it does earn miles, after all. But the good news is that Capital One miles are transferable to the issuer’s 15-plus transfer partners (including some hotel chains). Even better? You can earn an elevated rate of 5 miles per dollar spent when you make reservations via Capital One Travel

Pros + cons
Pros
You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories
Rewards are versatile and can be redeemed for a statement credit or transferred to Capital One’s transfer partners
Cons
Highest bonus-earning categories only on travel booked via Capital One Travel
More details
LIMITED-TIME OFFER: Enjoy $300 to use on hotel and vacation rental bookings through Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s more than $1,000 in travel value
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs
Top rated mobile app

Rewards rate
Rate	Category
5X miles	Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
2X miles	Earn unlimited 2X miles on every purchase, every day

Limited-Time Offer

Best for hyatt

The World of Hyatt Credit Card

TPG Editor's Rating

TPG Editor's Rating

4/5

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
9X	Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
2X	Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Intro offer

Earn 4 free nights

Annual fee

$95

Regular APR

19.49% - 27.99% Variable

Recommended credit

Good Credit, Excellent Credit

Why we chose it

The World of Hyatt Credit Card is one of two cobranded Hyatt hotel cards — the other is a business version. Fans of Hyatt hotels will enjoy several perks of being World of Hyatt cardholders including, automatic elite status, travel protections and no foreign transaction fees. If you travel abroad frequently and prioritize staying at Hyatt properties over other hotels, consider adding this card to your wallet. You’ll earn 4 points per dollar spent at Hyatt properties, 2 points per dollar spent at restaurants and airfare and 1 point per dollar spent across all other purchases.

Pros + cons

Pros

Annual free night certificate
Cardholders get automatic Discoverist elite status
Up to 9 points total per dollar spent on Hyatt hotels and resorts, including participating restaurants and spas
Ability to earn an additional free night award and higher elite status with certain spend thresholds

Cons

$95 annual fee
Limited number of Hyatt hotels globally compared to other large hotel brands

More details

Earn 4 free nights at any Category 1-4 Hyatt hotel or resort after you spend $5,000 on purchases in your first 3 months from account opening.
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Member FDIC

Why we chose it

View more

Pros

Annual free night certificate
Cardholders get automatic Discoverist elite status
Up to 9 points total per dollar spent on Hyatt hotels and resorts, including participating restaurants and spas
Ability to earn an additional free night award and higher elite status with certain spend thresholds

Cons

$95 annual fee
Limited number of Hyatt hotels globally compared to other large hotel brands

Why we chose it

Pros + cons

Pros

Annual free night certificate
Cardholders get automatic Discoverist elite status
Up to 9 points total per dollar spent on Hyatt hotels and resorts, including participating restaurants and spas
Ability to earn an additional free night award and higher elite status with certain spend thresholds

Cons

$95 annual fee
Limited number of Hyatt hotels globally compared to other large hotel brands

More details

Earn 4 free nights at any Category 1-4 Hyatt hotel or resort after you spend $5,000 on purchases in your first 3 months from account opening.
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Member FDIC

Why we chose it

Pros

Annual free night certificate
Cardholders get automatic Discoverist elite status
Up to 9 points total per dollar spent on Hyatt hotels and resorts, including participating restaurants and spas
Ability to earn an additional free night award and higher elite status with certain spend thresholds

Cons

$95 annual fee
Limited number of Hyatt hotels globally compared to other large hotel brands

Limited-Time Offer

Best for hyatt

The World of Hyatt Credit Card

TPG Editor's Rating

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Intro offer

Earn 4 free nights

Annual fee

$95

Regular APR

19.49% - 27.99% Variable

Recommended credit

Good Credit, Excellent Credit

Why we chose it

Pros + cons

Pros

Annual free night certificate
Cardholders get automatic Discoverist elite status
Up to 9 points total per dollar spent on Hyatt hotels and resorts, including participating restaurants and spas
Ability to earn an additional free night award and higher elite status with certain spend thresholds

Cons

$95 annual fee
Limited number of Hyatt hotels globally compared to other large hotel brands

More details

Earn 4 free nights at any Category 1-4 Hyatt hotel or resort after you spend $5,000 on purchases in your first 3 months from account opening.
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Member FDIC

Best for a premium, all-in-one rewards experience
Bilt Palladium Card
TPG Editor's Rating
4/5
Go to review
Compare Bilt Palladium Card
TPG Editor's Rating
4/5
at Bilt's secure site.
Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate Category
1.25X Earn up to 1.25X points on rent and mortgage payments with no transaction fee
2X Earn 2X points on everyday purchases
Intro offer
50,000 Bilt Points + Gold Status + $300 of Bilt Cash
Annual fee
$495
Regular APR
26.99 - 34.99% variable
Recommended credit
Good Credit, Excellent Credit
Why we chose it
The Bilt Palladium Card is designed for members who want a premium rewards experience centered on everyday spending without the friction of tracking bonus categories. With elevated earnings on nonhousing purchases, the ability to earn points on rent and mortgage payments, airport lounge access, plus an annual hotel travel credit, it brings together flexibility and simplicity in a single card.

Pros + cons
Pros
Unlimited up to 1.25 Bilt Point per dollar spent on rent and mortgage payments
Elevated everyday earnings with both Bilt Points and the option to earn Bilt Cash
$400 Bilt Travel Portal hotel credit per year (up to $200 biannually)
$200 Bilt Cash annually
Priority Pass membership
No foreign transaction fees
Cons
Has an annual fee
Designed primarily for members seeking a premium, all-in-one card
More details
Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
2X points on everyday spend
$400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
$200 Bilt Cash (awarded annually). Each Bilt Cash award expires 12 months after you earn it, on the last day of that month.
Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
Priority Pass ($469/year value). See Guide to Benefits.
Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.
Why we chose it
The Bilt Palladium Card is designed for members who want a premium rewards experience centered on everyday spending without the friction of tracking bonus categories. With elevated earnings on nonhousing purchases, the ability to earn points on rent and mortgage payments, airport lounge access, plus an annual hotel travel credit, it brings together flexibility and simplicity in a single card.

View more
Pros
Unlimited up to 1.25 Bilt Point per dollar spent on rent and mortgage payments
Elevated everyday earnings with both Bilt Points and the option to earn Bilt Cash
$400 Bilt Travel Portal hotel credit per year (up to $200 biannually)
$200 Bilt Cash annually
Priority Pass membership
No foreign transaction fees
Cons
Has an annual fee
Designed primarily for members seeking a premium, all-in-one card
Why we chose it
The Bilt Palladium Card is designed for members who want a premium rewards experience centered on everyday spending without the friction of tracking bonus categories. With elevated earnings on nonhousing purchases, the ability to earn points on rent and mortgage payments, airport lounge access, plus an annual hotel travel credit, it brings together flexibility and simplicity in a single card.

Pros + cons
Pros
Unlimited up to 1.25 Bilt Point per dollar spent on rent and mortgage payments
Elevated everyday earnings with both Bilt Points and the option to earn Bilt Cash
$400 Bilt Travel Portal hotel credit per year (up to $200 biannually)
$200 Bilt Cash annually
Priority Pass membership
No foreign transaction fees
Cons
Has an annual fee
Designed primarily for members seeking a premium, all-in-one card
More details
Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
2X points on everyday spend
$400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
$200 Bilt Cash (awarded annually). Each Bilt Cash award expires 12 months after you earn it, on the last day of that month.
Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
Priority Pass ($469/year value). See Guide to Benefits.
Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.
Why we chose it
The Bilt Palladium Card is designed for members who want a premium rewards experience centered on everyday spending without the friction of tracking bonus categories. With elevated earnings on nonhousing purchases, the ability to earn points on rent and mortgage payments, airport lounge access, plus an annual hotel travel credit, it brings together flexibility and simplicity in a single card.

Pros
Unlimited up to 1.25 Bilt Point per dollar spent on rent and mortgage payments
Elevated everyday earnings with both Bilt Points and the option to earn Bilt Cash
$400 Bilt Travel Portal hotel credit per year (up to $200 biannually)
$200 Bilt Cash annually
Priority Pass membership
No foreign transaction fees
Cons
Has an annual fee
Designed primarily for members seeking a premium, all-in-one card
Best for a premium, all-in-one rewards experience
Bilt Palladium Card
Compare Bilt Palladium Card
TPG Editor's Rating
4/5
Go to review
at Bilt's secure site.
Terms & restrictions apply. See rates & fees.
Intro offer
50,000 Bilt Points + Gold Status + $300 of Bilt Cash
Annual fee
$495
Regular APR
26.99 - 34.99% variable
Recommended credit
Good Credit, Excellent Credit
Why we chose it
The Bilt Palladium Card is designed for members who want a premium rewards experience centered on everyday spending without the friction of tracking bonus categories. With elevated earnings on nonhousing purchases, the ability to earn points on rent and mortgage payments, airport lounge access, plus an annual hotel travel credit, it brings together flexibility and simplicity in a single card.

Pros + cons
Pros
Unlimited up to 1.25 Bilt Point per dollar spent on rent and mortgage payments
Elevated everyday earnings with both Bilt Points and the option to earn Bilt Cash
$400 Bilt Travel Portal hotel credit per year (up to $200 biannually)
$200 Bilt Cash annually
Priority Pass membership
No foreign transaction fees
Cons
Has an annual fee
Designed primarily for members seeking a premium, all-in-one card
More details
Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
2X points on everyday spend
$400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
$200 Bilt Cash (awarded annually). Each Bilt Cash award expires 12 months after you earn it, on the last day of that month.
Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
Priority Pass ($469/year value). See Guide to Benefits.
Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.

Rewards rate
Rate	Category
1.25X	Earn up to 1.25X points on rent and mortgage payments with no transaction fee
2X	Earn 2X points on everyday purchases

Best for no-annual-fee card

Marriott Bonvoy Bold® Credit Card

TPG Editor's Rating

2.5/5Go to review

TPG Editor's Rating

2.5/5

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
14X	Earn up to 14X total points for every $1 spent at thousands of hotels participating in Marriott Bonvoy®.
2X	Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
1X	1X point for every $1 spent on all other purchases.

Intro offer

Earn 45,000 Bonus Points

Annual fee

Regular APR

19.49% - 27.99% Variable

Recommended credit

Good Credit, Excellent Credit

Why we chose it

The Marriott Bonvoy Bold® Credit Card is the no-annual-fee card option in Marriott’s lineup and offers a jump start toward elite status. However, it lags behind Marriott’s other card options when it comes to earning rates and perks. Still, if you’re a fan of this hotel chain who wants to maximize your stays at Marriott properties, the Bonvoy Bold is a good starter card.

Pros + cons

Pros

5 elite night every calendar year
Automatic Marriott Bonvoy Silver status
Baggage delay insurance
Lost luggage reimbursement
Trip delay reimbursement coverage

Cons

There are better Marriott cards if you want higher tier status or benefits
Limited annual elite night credits

More details

Earn 45,000 Bonus Points after qualifying purchases.
Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
1X point for every $1 spent on all other purchases.
Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
Pay Yourself Back® - Redeem Marriott Bonvoy® points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year.
Member FDIC

Why we chose it

View more

Pros

5 elite night every calendar year
Automatic Marriott Bonvoy Silver status
Baggage delay insurance
Lost luggage reimbursement
Trip delay reimbursement coverage

Cons

There are better Marriott cards if you want higher tier status or benefits
Limited annual elite night credits

Why we chose it

Pros + cons

Pros

5 elite night every calendar year
Automatic Marriott Bonvoy Silver status
Baggage delay insurance
Lost luggage reimbursement
Trip delay reimbursement coverage

Cons

There are better Marriott cards if you want higher tier status or benefits
Limited annual elite night credits

More details

Earn 45,000 Bonus Points after qualifying purchases.
Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
1X point for every $1 spent on all other purchases.
Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
Pay Yourself Back® - Redeem Marriott Bonvoy® points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year.
Member FDIC

Why we chose it

Pros

5 elite night every calendar year
Automatic Marriott Bonvoy Silver status
Baggage delay insurance
Lost luggage reimbursement
Trip delay reimbursement coverage

Cons

There are better Marriott cards if you want higher tier status or benefits
Limited annual elite night credits

Best for business owners who value premium travel

The Business Platinum Card® from American Express

TPG Editor's Rating

TPG Editor's Rating

4/5

at American Express's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
5X	Earn 5X points on flights and prepaid hotels on AmexTravel.com.
2X	Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms.
1X	Earn 1X points on other eligible purchases.

Intro offer

As High As 300,000 points. Find Out Your Offer.

Annual fee

$895

Regular APR

17.99% - 28.74% Variable

Recommended credit

Good to Excellent

Why we chose it

The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.

Pros + cons

Pros

No foreign transaction fees
Offers easy to use business-specific statement credits
Earns valuable and transferable Membership Rewards points

Cons

$895 annual fee

More details

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel® using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required. Effective February 17, 2027, select merchants only. See terms.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms.
5X points on flights and prepaid hotels on AmexTravel.com
NEW: With the Business Platinum Card® , you receive a complimentary American Express® ZO Membership from Tishman Speyer. Enjoy access to premium ZO Clubhouses and Lounges in select U.S. cities. Plus, get 4 complimentary day passes per month at U.S. Studio spaces and up to $500 in statement credits each calendar year when you use the Business Platinum Card® for event space bookings and/or a Dining Club membership.
1X points on other eligible purchases
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
Terms Apply.

Why we chose it

View more

Pros

No foreign transaction fees
Offers easy to use business-specific statement credits
Earns valuable and transferable Membership Rewards points

Cons

$895 annual fee

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel® using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required. Effective February 17, 2027, select merchants only. See terms.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms.
5X points on flights and prepaid hotels on AmexTravel.com
NEW: With the Business Platinum Card® , you receive a complimentary American Express® ZO Membership from Tishman Speyer. Enjoy access to premium ZO Clubhouses and Lounges in select U.S. cities. Plus, get 4 complimentary day passes per month at U.S. Studio spaces and up to $500 in statement credits each calendar year when you use the Business Platinum Card® for event space bookings and/or a Dining Club membership.
1X points on other eligible purchases
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
Terms Apply.

Why we chose it

Pros + cons

Pros

No foreign transaction fees
Offers easy to use business-specific statement credits
Earns valuable and transferable Membership Rewards points

Cons

$895 annual fee

More details

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel® using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required. Effective February 17, 2027, select merchants only. See terms.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms.
5X points on flights and prepaid hotels on AmexTravel.com
NEW: With the Business Platinum Card® , you receive a complimentary American Express® ZO Membership from Tishman Speyer. Enjoy access to premium ZO Clubhouses and Lounges in select U.S. cities. Plus, get 4 complimentary day passes per month at U.S. Studio spaces and up to $500 in statement credits each calendar year when you use the Business Platinum Card® for event space bookings and/or a Dining Club membership.
1X points on other eligible purchases
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
Terms Apply.

Why we chose it

Pros

No foreign transaction fees
Offers easy to use business-specific statement credits
Earns valuable and transferable Membership Rewards points

Cons

$895 annual fee

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel® using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required. Effective February 17, 2027, select merchants only. See terms.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms.
5X points on flights and prepaid hotels on AmexTravel.com
NEW: With the Business Platinum Card® , you receive a complimentary American Express® ZO Membership from Tishman Speyer. Enjoy access to premium ZO Clubhouses and Lounges in select U.S. cities. Plus, get 4 complimentary day passes per month at U.S. Studio spaces and up to $500 in statement credits each calendar year when you use the Business Platinum Card® for event space bookings and/or a Dining Club membership.
1X points on other eligible purchases
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
Terms Apply.

Best for business owners who value premium travel

The Business Platinum Card® from American Express

TPG Editor's Rating

at American Express's secure site.
Terms & restrictions apply. See rates & fees.

Intro offer

As High As 300,000 points. Find Out Your Offer.

Annual fee

$895

Regular APR

17.99% - 28.74% Variable

Recommended credit

Good to Excellent

Why we chose it

Pros + cons

Pros

No foreign transaction fees
Offers easy to use business-specific statement credits
Earns valuable and transferable Membership Rewards points

Cons

$895 annual fee

More details

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel® using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required. Effective February 17, 2027, select merchants only. See terms.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms.
5X points on flights and prepaid hotels on AmexTravel.com
NEW: With the Business Platinum Card® , you receive a complimentary American Express® ZO Membership from Tishman Speyer. Enjoy access to premium ZO Clubhouses and Lounges in select U.S. cities. Plus, get 4 complimentary day passes per month at U.S. Studio spaces and up to $500 in statement credits each calendar year when you use the Business Platinum Card® for event space bookings and/or a Dining Club membership.
1X points on other eligible purchases
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
Terms Apply.

Best for premium travel credit card

Capital One Venture X Rewards Credit Card

TPG Editor's Rating

TPG Editor's Rating

4.5/5

at Capital One's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
10 Miles	10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles	5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
2 Miles	2 Miles per dollar on every purchase, every day

Intro offer

Earn 75,000 bonus miles

Annual fee

$395

Regular APR

19.74% - 28.74% (Variable)

Recommended credit

740-850

Excellent

Why we chose it

The Capital One Venture X Rewards Credit Card is another great travel card that features solid perks, including a $300 annual credit when you book travel through Capital One Travel — this includes hotel reservations — and a 10,000-mile anniversary bonus each year.

Pros + cons

Pros

$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary

Cons

If you don’t travel frequently, this might not be the best card for you

More details

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app

Why we chose it

View more

Pros

$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary

Cons

If you don’t travel frequently, this might not be the best card for you

Why we chose it

Pros + cons

Pros

$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary

Cons

If you don’t travel frequently, this might not be the best card for you

More details

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app

Why we chose it

Pros

$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary

Cons

If you don’t travel frequently, this might not be the best card for you

Best for travel and dining combined

Chase Sapphire Reserve®

TPG Editor's Rating

TPG Editor's Rating

4.5/5

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
8x	Earn 8x points on all purchases through Chase Travel℠, including The Edit℠.
4x	Earn 4x points on flights and hotels booked direct.
3x	Earn 3x points on dining worldwide.
1x	Earn 1x points on all other purchases.

Intro offer

100,000 bonus points.

Annual fee

$795

Regular APR

19.74% - 28.24% Variable

Recommended credit

740-850

Excellent

Why we chose it

The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $3,000 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.

With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.

Pros + cons

Pros

Automatic $300 annual travel credit each account anniversary year
Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
Over $3,000 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
$300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
Access to Chase’s 13 hotel and airline travel partners
No foreign transaction fee

Cons

Steep $795 annual fee, plus a $195 fee per authorized user
Some credits are split biannually, requiring careful tracking to maximize value
Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories

More details

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, a statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually when you dine at restaurants part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually.
Member FDIC

Why we chose it

With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.

View more

Pros

Automatic $300 annual travel credit each account anniversary year
Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
Over $3,000 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
$300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
Access to Chase’s 13 hotel and airline travel partners
No foreign transaction fee

Cons

Steep $795 annual fee, plus a $195 fee per authorized user
Some credits are split biannually, requiring careful tracking to maximize value
Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories

Why we chose it

With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.

Pros + cons

Pros

Automatic $300 annual travel credit each account anniversary year
Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
Over $3,000 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
$300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
Access to Chase’s 13 hotel and airline travel partners
No foreign transaction fee

Cons

Steep $795 annual fee, plus a $195 fee per authorized user
Some credits are split biannually, requiring careful tracking to maximize value
Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories

More details

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, a statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually when you dine at restaurants part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually.
Member FDIC

Why we chose it

With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.

Pros

Automatic $300 annual travel credit each account anniversary year
Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
Over $3,000 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
$300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
Access to Chase’s 13 hotel and airline travel partners
No foreign transaction fee

Cons

Steep $795 annual fee, plus a $195 fee per authorized user
Some credits are split biannually, requiring careful tracking to maximize value
Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories

Best for travel and dining combined

Chase Sapphire Reserve®

TPG Editor's Rating

at Chase's secure site.
Terms & restrictions apply. See rates & fees.

Intro offer

100,000 bonus points.

Annual fee

$795

Regular APR

19.74% - 28.24% Variable

Recommended credit

740-850

Excellent

Why we chose it

With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.

Pros + cons

Pros

Automatic $300 annual travel credit each account anniversary year
Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
Over $3,000 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
$300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
Access to Chase’s 13 hotel and airline travel partners
No foreign transaction fee

Cons

Steep $795 annual fee, plus a $195 fee per authorized user
Some credits are split biannually, requiring careful tracking to maximize value
Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories

More details

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, a statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually when you dine at restaurants part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually.
Member FDIC

Best for starter travel

Citi Strata Premier® Card

TPG Editor's Rating

TPG Editor's Rating

4/5

at Citi's secure site.
Terms & restrictions apply. See rates & fees.

Rewards rate

Rewards rate
Rate	Category
10X	Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
3X	Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
1X	Earn 1 Point per $1 spent on all other purchases

Intro offer

Earn 60,000 bonus ThankYou® Points

Annual fee

$95

Regular APR

19.74% - 27.74% (Variable)

Recommended credit

670-850

Excellent, Good

Why we chose it

The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.

Pros + cons

Pros

Earn 10 points per dollar spent on hotels, car rentals and attractions when you book through the Citi Travel portal
Earn 3 points per dollar spent at restaurants, supermarkets, gas and EV charging stations and on air travel and other hotel purchases
Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year when you book through cititravel.com
Get trip delay protection, trip cancellation and interruption protection, lost or damaged luggage protection and MasterRental coverage for car rentals when you use your card for eligible purchases

Cons

$95 annual fee
It can be difficult to get good value from the $100 annual hotel benefit

More details

Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases

Why we chose it

View more

Pros

Earn 10 points per dollar spent on hotels, car rentals and attractions when you book through the Citi Travel portal
Earn 3 points per dollar spent at restaurants, supermarkets, gas and EV charging stations and on air travel and other hotel purchases
Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year when you book through cititravel.com
Get trip delay protection, trip cancellation and interruption protection, lost or damaged luggage protection and MasterRental coverage for car rentals when you use your card for eligible purchases

Cons

$95 annual fee
It can be difficult to get good value from the $100 annual hotel benefit

Why we chose it

Pros + cons

Pros

Earn 10 points per dollar spent on hotels, car rentals and attractions when you book through the Citi Travel portal
Earn 3 points per dollar spent at restaurants, supermarkets, gas and EV charging stations and on air travel and other hotel purchases
Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year when you book through cititravel.com
Get trip delay protection, trip cancellation and interruption protection, lost or damaged luggage protection and MasterRental coverage for car rentals when you use your card for eligible purchases

Cons

$95 annual fee
It can be difficult to get good value from the $100 annual hotel benefit

More details

Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases

Why we chose it

Pros

Earn 10 points per dollar spent on hotels, car rentals and attractions when you book through the Citi Travel portal
Earn 3 points per dollar spent at restaurants, supermarkets, gas and EV charging stations and on air travel and other hotel purchases
Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year when you book through cititravel.com
Get trip delay protection, trip cancellation and interruption protection, lost or damaged luggage protection and MasterRental coverage for car rentals when you use your card for eligible purchases

Cons

$95 annual fee
It can be difficult to get good value from the $100 annual hotel benefit

Best for starter travel

Citi Strata Premier® Card

TPG Editor's Rating