Best hotel credit cards

By
Benji Stawski
and
Christina Ly
Editor
Nick Ewen
Updated
Sep 26, 2022
This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

If you’re a traveler that is often loyal to a particular hotel chain, having a cobranded hotel credit card can be a no-brainer. Unlike airline credit cards that don’t always offer strong enough perks to justify paying an annual fee, most hotel cards offer extremely valuable benefits packages. Perks can include an anniversary free night certificate, complimentary elite status (that may score you free breakfast), bonus points and potentially even on-property credits.

Some hotel credit cards are also currently offering increased welcome bonuses, making this a great opportunity to rack up points and perks for future getaways. See best credit card offers below from our partners.

Best low-cost card for Marriott
TPG Editor's Rating tooltip icon
4/5
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2 - 17X points
details
  • 17X Earn up to 17X total points per $1 spent at over 7,000 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 each year on grocery stores, gas stations, and dining.
  • 2X 2X points for every $1 spent on all other purchases.
100,000 Bonus Points
details
Intro Offer tooltip icon
100,000 Bonus Points
$95

Why We Chose It

The Marriott Bonvoy Boundless card is an entry-level card that can help travelers dip their toes into the Bonvoy program. The card is best for those who stay at Marriotts, but not enough to take full advantage of Marriott’s higher-tier cards. Read our full review of the Marriott Bonvoy Boundless Credit Card

Pros

  • Annual free night certificate (up to 35,000 points) each cardmember anniversary
  • Automatic Silver elite status with pathway to Gold
  • 15 elite night credits annually to help earn mid or high tier Bonvoy status

Cons

  • There are better Marriott cards if you want higher tier status or no annual fee
  • Doesn't make sense if you don't stay at Marriott properties
  • Limited Time Offer! Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
  • Earn 3X points per $1 on the first $6,000 spent in combined purchases each year 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 over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • 2X points for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No foreign transaction fees.

Pros

  • Annual free night certificate (up to 35,000 points) each cardmember anniversary
  • Automatic Silver elite status with pathway to Gold
  • 15 elite night credits annually to help earn mid or high tier Bonvoy status

Cons

  • There are better Marriott cards if you want higher tier status or no annual fee
  • Doesn't make sense if you don't stay at Marriott properties
  • Limited Time Offer! Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
  • Earn 3X points per $1 on the first $6,000 spent in combined purchases each year 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 over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • 2X points for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No foreign transaction fees.

Pros

  • Annual free night certificate (up to 35,000 points) each cardmember anniversary
  • Automatic Silver elite status with pathway to Gold
  • 15 elite night credits annually to help earn mid or high tier Bonvoy status

Cons

  • There are better Marriott cards if you want higher tier status or no annual fee
  • Doesn't make sense if you don't stay at Marriott properties
  • Limited Time Offer! Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
  • Earn 3X points per $1 on the first $6,000 spent in combined purchases each year 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 over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • 2X points for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No foreign transaction fees.
Terms & restrictions apply. See rates & fees
TPG Editor's Rating tooltip icon
3.5/5
Go to review
3 - 12X points
details
  • 12X Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts 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.
  • 3X Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Earn 130,000 Points
details
Intro Offer tooltip icon
Earn 130,000 Points
$0 intro annual fee for the first year, then $95 annual fee.

Why We Chose It

The Hilton Honors Surpass Card stands out in the crowded mid-tier category of cobranded hotel credit cards. It comes with elite-like perks at a reasonable annual fee. New cardholders can earn up to a generous 130,000 Hilton Honors bonus points after you spend $2,000 in purchases on the card in the first three months of card membership. Read our full review of the Hilton Honors American Express Surpass Card

Pros

  • Reasonable annual fee
  • 12 points per dollar on eligible Hilton purchases; 6 points per dollar at U.S. restaurants, U.S. supermarkets and U.S. gas stations; 3 points per dollar on all other eligible purchases
  • Hilton Honors Gold status with an upgrade to Diamond by spending $40,000 in a calendar year
  • Solid perks including 10 Priority Pass visits a year, no foreign transaction fees, secondary car rental insurance, extended warranty, return protection and theft and accidental damage purchase protection. Enrollment required for select benefits.

Cons

  • No travel credits
  • No chart to redeem points at Hilton properties and ties you to Hilton properties
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership.
  • $0 intro annual fee for the first year, then $95 annual fee.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on 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 hotels and resorts 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 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 Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.
  • See Rates & Fees

Pros

  • Reasonable annual fee
  • 12 points per dollar on eligible Hilton purchases; 6 points per dollar at U.S. restaurants, U.S. supermarkets and U.S. gas stations; 3 points per dollar on all other eligible purchases
  • Hilton Honors Gold status with an upgrade to Diamond by spending $40,000 in a calendar year
  • Solid perks including 10 Priority Pass visits a year, no foreign transaction fees, secondary car rental insurance, extended warranty, return protection and theft and accidental damage purchase protection. Enrollment required for select benefits.

Cons

  • No travel credits
  • No chart to redeem points at Hilton properties and ties you to Hilton properties
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership.
  • $0 intro annual fee for the first year, then $95 annual fee.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on 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 hotels and resorts 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 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 Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.
  • See Rates & Fees

Pros

  • Reasonable annual fee
  • 12 points per dollar on eligible Hilton purchases; 6 points per dollar at U.S. restaurants, U.S. supermarkets and U.S. gas stations; 3 points per dollar on all other eligible purchases
  • Hilton Honors Gold status with an upgrade to Diamond by spending $40,000 in a calendar year
  • Solid perks including 10 Priority Pass visits a year, no foreign transaction fees, secondary car rental insurance, extended warranty, return protection and theft and accidental damage purchase protection. Enrollment required for select benefits.

Cons

  • No travel credits
  • No chart to redeem points at Hilton properties and ties you to Hilton properties
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership.
  • $0 intro annual fee for the first year, then $95 annual fee.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on 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 hotels and resorts 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 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 Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.
  • See Rates & Fees
Terms & restrictions apply. See rates & fees
TPG Editor's Rating tooltip icon
4/5
Go to review
details
  • Collect 1 stamp each time you spend $500 on purchases with your card and collect 1 stamp for every night you stay at any eligible property booked on Hotels.com. Collect 10 stamps, get 1 reward night.
Limited Time Offer! Get 3 reward nights worth $375 total (max $125 per night)*
details
Intro Offer tooltip icon
Limited Time Offer! Get 3 reward nights worth $375 total (max $125 per night)*
$0

Why We Chose It

The Hotels.com Credit Card is the perfect match for those who are deal hunters and tend to stay across multiple hotel properties and brands when traveling. With no annual fee and hotel perks aplenty, you’re only gaining from owning this card.  Read our full review of the Hotels.com Credit card

Pros

  • No annual fee — affordable for every frequent traveler
  • Stamp-based system where you’ll earn 1 stamp for every eligible night you book through Hotels.com, plus an additional stamp if you spend $500 or more on a booking. After 10 stamps, you get a reward night (not including taxes and fees).

Cons

  • Unlike the other best hotel rewards cards on this list, the Hotels.com card won’t offer you bonus points for booking hotels with this card
  • Limited Time Offer! Get 3 reward nights worth $375 total (max $125 per night)* with qualifying purchases. Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. Plus, get another reward night worth $125 when you spend $4,000 in total purchases within the first 6 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.
  • Collect 1 stamp each time you spend $500 on purchases with your card and collect 1 stamp for every night you stay at any eligible property booked on Hotels.com. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.
  • Choose from over 500,000 properties in 200+ countries around the world.
  • $0 Annual Fee.
  • Enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi, and more at selected properties for as long as your card is open.
  • Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).
  • No foreign currency conversion fee.
  • Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when your passenger fare is booked with your card.

Pros

  • No annual fee — affordable for every frequent traveler
  • Stamp-based system where you’ll earn 1 stamp for every eligible night you book through Hotels.com, plus an additional stamp if you spend $500 or more on a booking. After 10 stamps, you get a reward night (not including taxes and fees).

Cons

  • Unlike the other best hotel rewards cards on this list, the Hotels.com card won’t offer you bonus points for booking hotels with this card
  • Limited Time Offer! Get 3 reward nights worth $375 total (max $125 per night)* with qualifying purchases. Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. Plus, get another reward night worth $125 when you spend $4,000 in total purchases within the first 6 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.
  • Collect 1 stamp each time you spend $500 on purchases with your card and collect 1 stamp for every night you stay at any eligible property booked on Hotels.com. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.
  • Choose from over 500,000 properties in 200+ countries around the world.
  • $0 Annual Fee.
  • Enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi, and more at selected properties for as long as your card is open.
  • Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).
  • No foreign currency conversion fee.
  • Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when your passenger fare is booked with your card.

Pros

  • No annual fee — affordable for every frequent traveler
  • Stamp-based system where you’ll earn 1 stamp for every eligible night you book through Hotels.com, plus an additional stamp if you spend $500 or more on a booking. After 10 stamps, you get a reward night (not including taxes and fees).

Cons

  • Unlike the other best hotel rewards cards on this list, the Hotels.com card won’t offer you bonus points for booking hotels with this card
  • Limited Time Offer! Get 3 reward nights worth $375 total (max $125 per night)* with qualifying purchases. Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. Plus, get another reward night worth $125 when you spend $4,000 in total purchases within the first 6 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.
  • Collect 1 stamp each time you spend $500 on purchases with your card and collect 1 stamp for every night you stay at any eligible property booked on Hotels.com. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.
  • Choose from over 500,000 properties in 200+ countries around the world.
  • $0 Annual Fee.
  • Enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi, and more at selected properties for as long as your card is open.
  • Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).
  • No foreign currency conversion fee.
  • Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when your passenger fare is booked with your card.
BEST FOR TOTAL VALUE
Best for travel insurance
TPG Editor's Rating tooltip icon
4.5/5
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2 - 5X points
details
  • 5x 5x on travel purchased through Chase Ultimate Rewards®
  • 3x 3x on dining.
  • 2x 2x on all other travel purchases, plus more.
60,000 points
details
Intro Offer tooltip icon
60,000 points
$95

Why We Chose It

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.

Pros

  • You’ll earn 2 Ultimate Rewards points per dollar on travel and 3 Ultimate Rewards points per dollar dining including eligible delivery services and takeout
  • The current welcome bonus on this card is quite generous. TPG values it at $1,200
  • Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance

Cons

  • The card comes with a $95 annual fee
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Pros

  • You’ll earn 2 Ultimate Rewards points per dollar on travel and 3 Ultimate Rewards points per dollar dining including eligible delivery services and takeout
  • The current welcome bonus on this card is quite generous. TPG values it at $1,200
  • Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance

Cons

  • The card comes with a $95 annual fee
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Pros

  • You’ll earn 2 Ultimate Rewards points per dollar on travel and 3 Ultimate Rewards points per dollar dining including eligible delivery services and takeout
  • The current welcome bonus on this card is quite generous. TPG values it at $1,200
  • Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance

Cons

  • The card comes with a $95 annual fee
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
TPG Editor's Rating tooltip icon
4/5
Go to review
3 - 26X points
details
  • 26X Earn up to 26 points total per $1 spent when you stay at an IHG hotel.
  • 5X Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants.
  • 3X Earn 3 points per $1 spent on all other purchases
140,000 points
details
Intro Offer tooltip icon
140,000 points
$99

Why We Chose It

The IHG® Rewards Premier Credit Card is hotel chain’s top-tier cobranded card. The card delivers strong earning rates on IHG purchases, a free anniversary award night and generous sign-up bonus. Read our full review of the IHG Rewards Premier Credit Card.

Pros

  • Earn up to 26 points per dollar on IHG hotel stays (10 points as a cardholder in addition to 16 points per dollar earned as an IHG Rewards Club member)
  • points per dollar on travel, gas station, and restaurant purchases
  • Up to $100 statement credit for NEXUS, Global Entry or TSA Precheck application every 4 years

Cons

  • Redemption options outside of IHG properties provide low value
  • Poor transfer rates to airline partners
  • Earn 140,000 Bonus Points + 1 Free Night after spending $3,000 on purchases in the first 3 months from account opening
  • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 3 or more nights
  • Earn up to 26 points total per $1 spent when you stay at an IHG hotel
  • Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
  • IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Pros

  • Earn up to 26 points per dollar on IHG hotel stays (10 points as a cardholder in addition to 16 points per dollar earned as an IHG Rewards Club member)
  • points per dollar on travel, gas station, and restaurant purchases
  • Up to $100 statement credit for NEXUS, Global Entry or TSA Precheck application every 4 years

Cons

  • Redemption options outside of IHG properties provide low value
  • Poor transfer rates to airline partners
  • Earn 140,000 Bonus Points + 1 Free Night after spending $3,000 on purchases in the first 3 months from account opening
  • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 3 or more nights
  • Earn up to 26 points total per $1 spent when you stay at an IHG hotel
  • Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
  • IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Pros

  • Earn up to 26 points per dollar on IHG hotel stays (10 points as a cardholder in addition to 16 points per dollar earned as an IHG Rewards Club member)
  • points per dollar on travel, gas station, and restaurant purchases
  • Up to $100 statement credit for NEXUS, Global Entry or TSA Precheck application every 4 years

Cons

  • Redemption options outside of IHG properties provide low value
  • Poor transfer rates to airline partners
  • Earn 140,000 Bonus Points + 1 Free Night after spending $3,000 on purchases in the first 3 months from account opening
  • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 3 or more nights
  • Earn up to 26 points total per $1 spent when you stay at an IHG hotel
  • Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
  • IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Terms & restrictions apply. See rates & fees
TPG Editor's Rating tooltip icon
4.5/5
Go to review
5X points
details
  • 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Earn 100,000 points
details
Intro Offer tooltip icon
Earn 100,000 points
$695

Why We Chose It

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Read our full review of the Platinum Card from American Express.

Pros

  • The current welcome offer on this card is quite lucrative. TPG values it at $2,000.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more.
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee credit and other statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees

Pros

  • The current welcome offer on this card is quite lucrative. TPG values it at $2,000.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more.
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee credit and other statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees

Pros

  • The current welcome offer on this card is quite lucrative. TPG values it at $2,000.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and more than $1,400 in assorted annual statement credits and so much more.
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee credit and other statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees
TPG Editor's Rating tooltip icon
4/5
Go to review
2 - 9X points
details
  • 9X Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 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
Earn up to 60,000 points
details
Intro Offer tooltip icon
Earn up to 60,000 points
$95

Why We Chose It

If you’re a fan of Hyatt hotels, the World of Hyatt card is one of the top choices for hotel cobranded cards. You’ll earn valuable hotel points, automatic elite status and a free night certificate every anniversary year. Read our full review of the World oh Hyatt card

Pros

  • Annual free night stay on card anniversary
  • Free World of Hyatt Discoverist status
  • 9 points 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 threshold

Cons

  • $95 annual fee
  • Limited number of Hyatt hotels globally compared to other large hotel brands
  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
  • 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 at Hyatt hotels & 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

Pros

  • Annual free night stay on card anniversary
  • Free World of Hyatt Discoverist status
  • 9 points 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 threshold

Cons

  • $95 annual fee
  • Limited number of Hyatt hotels globally compared to other large hotel brands
  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
  • 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 at Hyatt hotels & 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

Pros

  • Annual free night stay on card anniversary
  • Free World of Hyatt Discoverist status
  • 9 points 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 threshold

Cons

  • $95 annual fee
  • Limited number of Hyatt hotels globally compared to other large hotel brands
  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
  • 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 at Hyatt hotels & 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
Terms & restrictions apply. See rates & fees
TPG Editor's Rating tooltip icon
3.5/5
Go to review
2 - 6X points
details
  • 6X Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program.
  • 3X 3 points at Worldwide Restaurants and on flights booked directly with airlines.
  • 2X 2 points on all other eligible purchases.
150,000 points
details
Intro Offer tooltip icon
150,000 points
$650

Why We Chose It

The Bonvoy Brilliant is ideal for travelers who are loyal to the Marriott brand. You’ll get a solid return on Marriott stays and a number of premium perks that can help you upgrade your trips. However, with high-end perks comes a high annual fee. Read our full review of the Marriott Bonvoy Brilliant American Express Card

Pros

  • Earn up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
  • 1 free night award (up to 85,000 points) every year after your card renewal month
  • Priority Pass Select membership (enrollment required)
  • Automatic Platinum Elite status

Cons

  • $650 annual fee isn't insignificant
  • May not make sense if you don't stay at Marriott properties
  • Earn 150,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.
  • Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
  • A Marriott Bonvoy Platinum Elite member will earn 50% more points on eligible purchases at participating hotels for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Benefit options include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $750 discount from Marriott Bonvoy Boutiques.
  • $100 Luxury Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck® (up to $85) when you pay the application fee with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Enroll in Priority Pass Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
  • No Foreign Transaction Fees on international purchases.
  • Cell phone protection: You can be reimbursed for your costs to repair or replace your damaged or Stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month's wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.
  • Terms Apply.
  • See Rates & Fees

Pros

  • Earn up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
  • 1 free night award (up to 85,000 points) every year after your card renewal month
  • Priority Pass Select membership (enrollment required)
  • Automatic Platinum Elite status

Cons

  • $650 annual fee isn't insignificant
  • May not make sense if you don't stay at Marriott properties
  • Earn 150,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.
  • Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
  • A Marriott Bonvoy Platinum Elite member will earn 50% more points on eligible purchases at participating hotels for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Benefit options include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $750 discount from Marriott Bonvoy Boutiques.
  • $100 Luxury Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck® (up to $85) when you pay the application fee with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Enroll in Priority Pass Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
  • No Foreign Transaction Fees on international purchases.
  • Cell phone protection: You can be reimbursed for your costs to repair or replace your damaged or Stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month's wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.
  • Terms Apply.
  • See Rates & Fees

Pros

  • Earn up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
  • 1 free night award (up to 85,000 points) every year after your card renewal month
  • Priority Pass Select membership (enrollment required)
  • Automatic Platinum Elite status

Cons

  • $650 annual fee isn't insignificant
  • May not make sense if you don't stay at Marriott properties
  • Earn 150,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months.
  • Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
  • A Marriott Bonvoy Platinum Elite member will earn 50% more points on eligible purchases at participating hotels for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Benefit options include: Five (5) Suite Night Awards, 85K Free Night Award, and mattress and box spring $750 discount from Marriott Bonvoy Boutiques.
  • $100 Luxury Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any Authorized Enrollment Provider for TSA PreCheck® (up to $85) when you pay the application fee with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Each calendar year you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
  • Enroll in Priority Pass Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
  • No Foreign Transaction Fees on international purchases.
  • Cell phone protection: You can be reimbursed for your costs to repair or replace your damaged or Stolen cell phone up to $800, subject to a $50 deductible, for 2 approved claims per 12-month period when your prior month's wireless bill was paid utilizing an Eligible Card Account. Terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
  • $650 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Best premium travel credit card
TPG Editor's Rating tooltip icon
4.5/5
Go to review
2 - 10X points
details
  • 10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
  • 5X 5X miles on flights booked through Capital One Travel.
  • 2X Earn unlimited 2X miles on all other purchases
75,000 miles
details
Intro Offer tooltip icon
75,000 miles
$395

Why We Chose It

If you can maximize the up to $300 statement credit toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95, the same annual fee pegged to the Capital One Venture Rewards Credit Card. Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations) and lounge access, and the card may become the strongest option out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.

Pros

  • 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
  • 10,000 bonus miles every account anniversary

Cons

  • $395 annual fee
  • Up to $300 back in statement credit annually only applicable for bookings made through Capital One Travel portal
  • 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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of 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 booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • 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
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023

Pros

  • 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
  • 10,000 bonus miles every account anniversary

Cons

  • $395 annual fee
  • Up to $300 back in statement credit annually only applicable for bookings made through Capital One Travel portal
  • 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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of 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 booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • 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
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023

Pros

  • 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
  • 10,000 bonus miles every account anniversary

Cons

  • $395 annual fee
  • Up to $300 back in statement credit annually only applicable for bookings made through Capital One Travel portal
  • 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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of 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 booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • 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
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023

More on the best hotel credit cards of 2022

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Card Best for Welcome Offer/Sign Up Bonus Earning Rate Annual Fee
Hilton Honors American Express Surpass® Card Best low-cost card for Hilton Earn 130,000 Points
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts 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 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
$0 intro annual fee for the first year, then $95 annual fee.
Hotels.com® Rewards Visa® Credit Card Best for budget travelers Limited Time Offer! Get 3 reward nights worth $375 total (max $125 per night)*
  • Collect 1 stamp each time you spend $500 on purchases with your card and collect 1 stamp for every night you stay at any eligible property booked on Hotels.com. Collect 10 stamps, get 1 reward night.
$0
Chase Sapphire Preferred® Card Best for travel insurance 60,000 points
  • 5x on travel purchased through Chase Ultimate Rewards®
  • 3x on dining.
  • 2x on all other travel purchases, plus more.
$95
IHG® Rewards Premier Credit Card Best card for IHG 140,000 points
  • Earn up to 26 points total per $1 spent when you stay at an IHG hotel.
  • Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants.
  • Earn 3 points per $1 spent on all other purchases
$99
The Platinum Card® from American Express Best for luxury benefits Earn 100,000 points
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$695
The World of Hyatt Credit Card Best card for Hyatt Earn up to 60,000 points
  • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 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
$95
Marriott Bonvoy Brilliant™ American Express® Card Best card for Marriott 150,000 points
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program.
  • 3 points at Worldwide Restaurants and on flights booked directly with airlines.
  • 2 points on all other eligible purchases.
$650
Capital One Venture X Rewards Credit Card Best premium travel credit card 75,000 miles
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
  • 5X miles on flights booked through Capital One Travel.
  • Earn unlimited 2X miles on all other purchases
$395

Best hotel credit cards

The Platinum Card from American Express

Annual fee: $695 (see rates and fees).

Welcome offer: Earn 100,000 bonus points after you spend $6,000 on purchases on the card in the first six months of card membership. Check the CardMatch tool to see if you’re targeted for a higher bonus (offer subject to change at any time).

Earning rates: Earn 5 points per dollar on flights booked directly with airlines and through Amex Travel (on up to $500,000 on these purchases per calendar year) and 5 points per dollar on prepaid hotels stays through Amex Travel. Earn 1 point per dollar on everything else.

Elite status: Cardmembers can register for both automatic Hilton Honors Gold status and Marriott Bonvoy Gold status. (Enrollment is required).

Other benefits: Almost too many to include. Access to the American Express Global Lounge Collection, which includes Centurion Lounges, Priority Pass, Escape and Airspace lounges, plus Delta Sky Clubs on same-day Delta flights. Up to a $100 fee credit for Global Entry or TSA PreCheck every four years. More than $1,400 in annual statement credits, including up to $200 in annual hotel statement credits for Fine Hotels + Resorts® or The Hotel Collection bookings with Amex Travel (two night minimum stay required), up to $200 in annual airline fee statement credits, up to $189 in Clear credits each year, up to $300 in annual Equinox credits and up to $240 in annual digital entertainment credit. Enrollment is required for select benefits.

Cardholders also receive Uber VIP status and an up-to-$200 annual Uber Cash (for use in the U.S.), split into monthly $15 credits. This is also valid for Uber Eats orders in the U.S. There’s also a $100 Saks Fifth Avenue credit split into two $50 statement credits for the two halves of the year, complimentary memberships in Hertz Gold Plus Rewards, Avis Preferred and National Car Rental Emerald Club Executive and access to Amex Fine Hotels & Resorts bookings. Enrollment is required for select benefits.

Analysis: 5 points per dollar on prepaid hotel stays is an excellent return, but what makes the card stand out is the perks it offers at luxury hotels booked through the Fine Hotels & Resorts program. Every FHR stay comes with benefits such as complimentary room upgrades when available, noon check-in, 4 p.m. checkout, on-site food and beverage credits and more. At select hotels in the Amex FHR program, you can also enjoy a free night — usually the third or fourth — and earn hotel points with most programs as usual.

On other hotel stays, you’ll enjoy the benefits of Gold status from the Hilton Honors and Marriott Bonvoy loyalty programs. Both of these hotel elite statuses entitle you to some solid on-property benefits, such as late checkout and bonus earnings on stays. Just note that prepaid stays booked through Amex Travel (not FHR) typically don’t get hotel points or elite benefits, so you’ll need to book directly to take advantage of your status. For more information, you can read the full review of the American Express Platinum card here.

Related: Is the Amex Platinum worth the annual fee?

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Official application link: Platinum Card from American Express.

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Capital One Venture X Rewards Credit Card

Annual fee: $395.

Welcome bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. 

Earning rates: Earn 10 miles per dollar on hotels and car rentals booked through the Capital One travel portal, 5 miles per dollar on flights booked through the Capital One travel portal and 2 miles per dollar on all other eligible purchases. 

Elite status: None, but enjoy up to a $300 annual travel statement credit toward flight, hotel or car rental bookings made through the Capital One travel portal

Other benefits: Receive 10,000 bonus miles every year, starting on your first cardmember anniversary, Priority Pass and Capital One lounge access and up to a $100 statement credit toward Global Entry or TSA Precheck once every four years.

Analysis: The Capital One Venture X is a well-rounded travel credit card whether you’re a frequent flyer, hotel traveler or vacation home renter — or maybe somewhere in between. If you’re not necessarily loyal to one hotel chain, it helps to diversify and earn a whopping 10 points per dollar on hotel reservations through the Capital One portal. Because you can now transfer Capital One miles to nearly 20 airline and hotel partners – most at a 1:1 ratio – TPG values Capital One miles at 1.85 cents each, so that’s an impressive 18% return on hotel bookings.  

Related: Capital One Venture X review

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Official application link: Capital One Venture X.

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Hilton Honors American Express Surpass Card

Annual fee: $0 introductory annual fee for the first year, then $95 annual fee (see rates and fees).

Welcome offer: Earn 130,000 Hilton Honors bonus points after you spend $2,000 in purchases on the card in the first three months of card membership. 

Earning rates: You’ll earn 6 points per dollar at U.S. supermarkets. You’ll also earn 12 points per dollar on eligible purchases at Hilton hotels, 6 points per dollar at U.S. restaurants and U.S. gas stations and 3 points per dollar on all other eligible purchases.

Elite status: Automatic Hilton Gold status and the opportunity to earn Diamond status by spending $40,000 a year on the card.

Other benefits: Earn a weekend night reward from Hilton Honors after you spend $15,000 on purchases on your card in a calendar year. Get 10 Priority Pass lounge visits every year.

In light of the pandemic, all newly issued free weekend night reward certificates are valid through Dec. 31, 2022. Additionally, their validity has been expanded to cover any night of the week — providing valuable flexibility for cardholders.

Analysis: This is the card to have if you can’t quite justify the high fee on the Hilton Amex Aspire. Hilton Honors Gold status is among the most valuable mid-tier hotel statuses out there, getting you free breakfast, a fifth night free (plus no resort fees) during award stays, space-available upgrades, free in-room and lobby Wi-Fi, late checkout and more.

The weekend night reward can easily get you a few hundred dollars of value, and the 10 free visits to Priority Pass lounges are just enough for occasional travelers. Plus, you’re still getting a very solid return of 7.2% on your Hilton stays and 3.6% back on your restaurant, supermarket and gas station purchases in the U.S. (all based on TPG’s most recent valuations). Enrollment is required for select benefits.

Related: Hilton Honors American Express Surpass Card review

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Official application link: Hilton Honors Surpass Card.

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Chase Sapphire Preferred Card

Annual fee: $95.

Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. 

Earning rates: Earn 5 points per dollar on travel when booked through Chase ultimate reward portal, 3 points per dollar dining, 3 points per dollar on select streaming services, 3 points per dollar on online grocery purchases (excluding Target and Walmart), 2 points per dollar on all other travel and 1x on all other purchases worldwide. Plus, earn 5 points per dollar on Lyft rides through March 2025.

Elite status: N/A.

Other benefits: In addition to waiving foreign transaction fees, this card offers primary rental car coverage, up to $500 in trip delay reimbursement if you’re delayed more than 12 hours or overnight, up to $10,000 in trip cancellation and interruption insurance and up to $100 per day for up to five days in baggage delay reimbursement if your bag is delayed more than six hours. 

Analysis: If you frequently spend on travel — in general, not just at hotels — and dining, and you want to use your points to book travel with its airline and hotel partners, including United and Hyatt, a Chase Sapphire card is a no-brainer. The Chase Sapphire Preferred Card is a great pick for newbies since it has a lower annual fee and still earns valuable bonus points on broad travel and dining categories. It allows you to transfer the points you earn to 11 airline and three hotel loyalty programs. For more information, you can read the full review of Chase Sapphire Preferred Card here

Related: Chase Sapphire Preferred benefits you might not know about

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Official application link: Chase Sapphire Preferred.

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Marriott Bonvoy Boundless Credit Card

Annual fee: $95.

Sign-up bonus: Earn 100,000 points after spending $3,000 on purchases in your first three months from account opening.

Earning rates: You’ll earn up to 17 Bonvoy points per dollar (6 points per dollar with the card, up to 10 points per dollar for being a Marriott Bonvoy member and an additional point from Silver Elite status) at over 7,000 participating Marriott Bonvoy hotels, 3 points per dollar on the first $6,000 spent in combined purchases each year on gas stations, grocery stores and dining, and 2 points per dollar on all other eligible purchases.

Elite status: Automatic Silver elite status, plus 15 elite night credits each calendar year toward reaching higher status. Reach Gold status by spending $35,000 or more on your card in a calendar year.

Other benefits: Receive a free night award every year on your account anniversary when you renew your card, worth up to 35,000 points. Enjoy free premium in-room Wi-Fi.

Analysis: While you are more limited to where you can use the annual award night, you can still get terrific value from it. Just don’t expect benefits such as suite upgrades and free breakfast with the Silver elite status that comes with the card.

Last but not least, when it comes to Marriott cards, don’t discount having both a personal and small-business Marriott card since you can earn 30 elite qualifying nights each year just by having two Marriott cards. If you don’t yet have the Marriott Bonvoy Business® American Express® Card, it has a welcome offer where you can earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first three months of card membership.

Related: Marriott Bonvoy Boundless Card review

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Official application link: Marriott Bonvoy Boundless Credit Card.

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World of Hyatt Credit Card

Annual fee: $95.

Sign-up bonus: Earn up to 60,000 bonus points: 30,000 bonus points after spending $3,000 on purchases within the first three months from account opening. Plus, up to 30,000 more bonus points by earning two bonus points total per $1 spent on purchases that normally earn one bonus point, on up to $15,000 in the first six months of account opening.

Earning rates: You earn 4 points per dollar at Hyatt properties; 2 points per dollar on local transit and commuting (including ride-hailing services), restaurants, airline tickets purchased directly and on fitness club and gym memberships; and then 1 point per dollar on all other purchases.

Elite status: Automatic Discoverist status. You also receive five qualifying night credits toward the next level of elite status each year and the opportunity to earn two additional night credits for each $5,000 spent on the card in case you are pushing for earning valuable Globalist status in 2022.

Other benefits: One free night at a Category 1-4 hotel each year after your cardmember anniversary, plus a second free night at a Category 1-4 hotel each year when you spend $15,000 on the card during your cardmember year.

Analysis: This card comes with a modest annual fee, which you can easily recoup when you redeem the anniversary free night, valid at Category 1-4 hotels. Even most of Hyatt’s low-tier properties can go for $100-plus a night, so you should be able to break even with the card easily.

When it comes to bonus categories, you’ll earn 4 points per dollar on purchases at Hyatt. TPG values Hyatt points quite highly at 1.7 cents each, making this return worth a solid 6.8%. That’s a great return, though I personally would still opt to use a Chase Sapphire Reserve instead. Earning 3 points per dollar that could be transferred to Hyatt (or United, or British Airways, or Singapore … get the idea?) is a better return to me than simply earning 4 points per dollar.

Related: World of Hyatt Credit Card review

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Official application link: World of Hyatt Credit Card.

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IHG Rewards Premier Credit Card

Annual fee: $99.

Sign-up bonus: Earn 140,000 bonus points + 1 free night after spending $3,000 on purchases within the first three months of account opening.

Earning rates: You earn up to 26 points per dollar at IHG properties (10 points from this card, 10 points for being an IHG Rewards member and 6 points from being a Platinum Elite, a benefit from this card); 5 points per dollar on travel, gas station, and restaurant purchases; and 3 points per dollar everywhere else.

Elite status: Enjoy automatic IHG Rewards Platinum elite status.

Other benefits: A fourth-night reward on award stays of four or more nights, an annual award night certificate worth up to 40,000 points, a NEXUS, Global Entry, or TSA PreCheck fee credit of up to $100 and no foreign transaction fees.

Analysis: Even if you only stay at IHG properties once each year, the award night certificate alone can usually justify the card’s annual cost — especially since they can now be topped up with points. Stack that with the automatic Platinum elite status and you’re sure to come out ahead.

Related: IHG Rewards Premier Credit Card review

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Official application link: IHG Rewards Premier Credit Card.

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Hotels.com® Rewards Visa® Credit Card

Annual fee: $0.

Sign-up bonus: Earn three reward nights worth $375 total (max $125 per night)* with qualifying purchases. Earn two rewards nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first three months. Plus, earn another rewards night worth $125 when you spend $4,000 in total purchases within the first six months. *Excludes taxes and fees.

Earning rates: Collect one stamp for every night you stay at any eligible property booked on Hotels.com and collect one stamp each time you spend $500 on purchases with your card.

Elite status: Enjoy Silver membership for as long as the card is open, which gets you perks like complimentary breakfast, airport transfers and more. 

Other benefits: This card also comes with notable travel and everyday protections from cellphone insurance coverage, trip cancellation, interruption or delay coverage, travel accident insurance, and secondary rental car coverage.

Analysis: Sure, you could apply for a hotel credit card with your preferred hotel chain, but that means you’re locked into that program. For pure flexibility, the Hotels.com credit card offers something unique — the opportunity to earn rewards nights based on eligible stays. Once you accrue 10 stamps, you’ll get one reward night — a pretty fantastic deal for a card with no annual fee or foreign currency conversion fees. 

Related: Hotels.com credit card review

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Official application link: Hotels.com® Rewards Visa® Credit Card

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Marriott Bonvoy Brilliant Amex

Annual fee: $650 (see rates and fees).

Welcome offer: Earn 150,000 Marriott Bonvoy bonus points after you use your new card to make $5,000 in eligible purchases within the first three months of card membership.

Earning rates: You’ll earn 6 points per dollar at hotels participating in the Marriott Bonvoy program, 3 points per dollar at restaurants worldwide and on flights booked directly with the airline and 2 points per dollar on all other eligible purchases.

Elite status: Enjoy complimentary automatic Marriott Bonvoy Platinum status.

Other benefits: Each year after your card renewal month, you’ll receive a free night award worth up to 85,000 points at hotels participating in the Marriott Bonvoy program (certain hotels have resort fees), good for up to a standard Category 6 hotel. Each year you also receive up to $300 in statement credits for eligible purchases (up to $25 per month) at worldwide restaurants.  Plus, enjoy up to $100 in credits for on-property charges when booking stays of two nights or more at Ritz-Carlton or St. Regis properties. Cardmembers also claim Priority Pass Select lounge access (enrollment required) and a Global Entry or TSA PreCheck application fee credit, worth up to $100 every four years. Enrollment is required for select benefits.

Analysis: If you want a card that earns you bonus points for booking Marriott stays and some elite perks, the Marriott Bonvoy Brilliant Amex is worth a close look. The card has a $650 annual fee (see rates and fees), but the annual Marriott statement credit of up to $300 essentially lowers that to $350.

In addition to earning you 6 points per dollar on eligible Marriott stays, this card offers a free night award at properties that cost up to 85,000 points per night each year. You’ll also get complimentary Platinum elite status.

Related: Marriott Bonvoy Brilliant card review

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Official application link: Marriott Bonvoy Brilliant Amex.

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Wyndham Rewards Earner® Plus Card

Annual fee: $75.

Welcome bonus: Earn 45,000 bonus points, enough for up to six free nights, after spending $1,000 on purchases in the first 90 days of account opening. 

Earning rates: Earn 6 points per dollar on eligible Wyndham and gas purchases, 4 points per dollar on dining and grocery purchases (excluding Target and Walmart) and 1 point per dollar on all other eligible purchases.

Elite status: Automatic Wyndham Rewards Platinum elite status for perks like early check-in, preferred room choice and car rental upgrades.

Other benefits: Receive 7,500 bonus points each anniversary year after paying the annual fee.

Analysis: The Wyndham Rewards Earner® Plus Card is a must-have for travelers who frequent Wyndham properties, which span more than 9,000 locations worldwide. The card offers a strong return on both Wyndham and everyday purchases, not to mention a considerable sign-up bonus that can get you up to six free nights at Wyndham properties. 

The information for the Wyndham Rewards Earner Plus Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. 

Related: Which Wyndham Rewards credit card is right for you?

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Official application link: Wyndham Rewards Earner Plus Card.

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Hilton Honors American Express Aspire Card

Annual fee: $450 (see rates and fees).

Welcome offer: Earn 150,000 points after you spend $4,000 on purchases in the first three months of account opening.

Earning rates: You’ll earn 14 points per dollar at participating Hilton hotels; 7 points per dollar on flights booked directly with airlines or Amex Travel, car rentals booked directly from select car rentals and at U.S. restaurants; and 3 points per dollar on all other eligible purchases.

Elite status: Enjoy automatic Hilton Honors Diamond status.

Other benefits: One weekend night reward every year after renewal plus an additional night at eligible properties after you spend $60,000 on purchases on your card in a calendar year. Enjoy up to $250 in statement credits each year of card membership for eligible purchases at participating Hilton resorts. Select one qualifying airline and receive up to $250 per calendar year in statement credits for incidental fees such as checked baggage and flight change fees (enrollment is required).

Cardholders also get up to $100 in credits for qualifying charges at participating Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts on two-night-minimum stays, plus unlimited Priority Pass lounge access for the cardholder and two guests. Enrollment is required for select benefits.

As with the Surpass card, newly issued free weekend night reward certificates are now valid through Dec. 31, 2022, and can be used on any night of the week.

Related: Reasons to get the Amex Hilton Aspire Card

Analysis: The Aspire is the most rewarding option in Hilton’s cobranded card lineup. It earns you the most Hilton points per dollar on eligible paid stays with the brand (14 points per dollar) and offers some pretty sweet annual travel credits. You get an up-to-$250 Hilton resort statement credit each year for eligible on-property purchases, plus an annual credit of up to $250 for incidental airline fees such as baggage charges.

Other benefits include complimentary Hilton Honors Diamond status, a free weekend night each year upon your account renewal and the ability to earn an additional free weekend night by spending $60,000 on the card in a calendar year.

Related: Hilton Honors Aspire Card review

The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

How we choose the best hotel credit cards

When choosing the right hotel credit card, always consider the spending requirements for the welcome bonus, since you won’t want to miss out on that. You should only apply if you’re able to meet the required spending comfortably and aren’t barred from earning a welcome bonus based on an issuer’s application restrictions.

These card picks are based on numerous criteria: program value, welcome offer, perks and more. Some of these hotel credit cards’ popular features include complimentary elite status, free award nights, and statement credits. Be sure to read the fine print for each offer.

How hotel credit cards work

It’s pretty simple: With hotel credit cards, you typically earn the most points for hotel stays and activities.

Some cards offer more points for categories like restaurants, supermarkets and gas stations. You earn bonus points if you have hotel elite status (which some credit cards give you automatically). Once you earn the points, they can be redeemed for free rooms, room upgrades, flights, rental cars, gift cards, merchandise and special events.

If, however, you choose a card that’s not directly connected with a hotel loyalty program, you’ll have additional redemption options when it’s time to use the points.

Main benefits of a hotel credit card

The main benefits of a hotel credit card include generous welcome bonuses, extra points on hotel spending and annual award nights. Premium cards even offer statement credits that can be used to offset on-property spending or even cover airline incidental fees. Annual free nights ensure that you get your money’s worth for the annual fee, assuming you actually redeem it every year. Many cards also come with some level of automatic elite status.

Who should get a hotel credit card?

Hotel credit cards are typically best for those loyal to one hotel brand, such as Marriott, and who travel enough to earn points that can be redeemed for future stays.

These cards can also be a great fit for a traveler who is loyal to a chain but doesn’t stay enough in a year to earn elite status through the normal qualification requirements. These cards often provide shortcuts to status through spending, so they can be a great way to unlock valuable perks for a leisure traveler.

If you don’t care about earning points for hotel stays or you don’t have elite status, you may want to choose a card that allows greater flexibility, including the ability to use points directly for hotel stays or transfer to hotel programs. For example, Chase Ultimate Rewards points can be transferred to IHG, Marriott or Hyatt, or they can be used for other valuable redemptions.

Bottom line

If you spend even just a few nights per year with a particular hotel chain, it can make sense to carry one of its cobranded credit cards so you can enjoy the perks of elite status when you travel. Many of the cards have reasonable annual fees that are more than made up for by the value cardholders can reap from complimentary status plus additional benefits like annual award nights, discounted award stays and bonus earning opportunities.

Even cards that only confer elite status at the lower rungs — like the Marriott Bonvoy Boundless Card or World of Hyatt Credit Card — might be well worth it for some travelers. These low-tier levels typically take 10-15 nights of actual hotel stays to earn, so grabbing a card and unlocking perks like preferred room upgrades, late checkout and preferential treatment could pay off.

We have detailed guides on the major hotel programs’ various status levels and what benefits you can expect at each tier.

If you don’t want to commit to one hotel chain, you could consider the Hotels.com credit card or a card that earns transferable points like the Chase Sapphire Preferred. It earns Ultimate Rewards points, which you can transfer to Hyatt, IHG and Marriott to redeem for award stays.

You’ll also earn 2 points per dollar on the card for a wide range of travel purchases and dining purchases, which equals a 4% return based on TPG’s valuations. Finally, the card also offers a wide range of travel protection benefits and primary car rental insurance, which can save the day when you’re traveling.

The Chase Sapphire Reserve card could be an even better pick for frequent travelers, thanks to its higher earning rates and additional perks. If you stay at luxury hotels often, you won’t want to overlook The Platinum Card from American Express either — especially since it also provides Marriott and Hilton elite status automatically.

For rates and fees of the Marriott Bonvoy Brilliant Amex, please click here.

For rates and fees of the Hilton Surpass Card, please click here.

For rates and fees of the Hilton Aspire Card, please click here.

For rates and fees of the Platinum Card, please click here.

Additional reporting by Benét J. Wilson and Chris Dong.

Featured photo by Benji Stawski/The Points Guy.


This is The Points Guy’s permanent page with the best currently available hotel credit cards, so you can bookmark it and check back regularly for updates. Keep in mind you may see some reader comments referring to older offers below.