The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Credit Cards
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Best for premium travel perks and digital entertainment
At The Points Guy, our team is passionate about maximizing all aspects of travel, and our list of the best hotel credit cards is all you need to decide which one you want to add to your wallet.
Hotel credit cards can be powerful tools to help you secure upgrades and unlock valuable perks such as free stays and complimentary breakfast. If you’re a frequent traveler loyal to one hotel chain, having a cobranded hotel card is a no-brainer. Plus, some hotel credit cards also offer generous welcome bonuses, providing you with an opportunity to rack up points for future stays.
Check out our curated selection and comprehensive guide on some of the best hotel cards from our partners below.
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“More details on the best hotel credit cards”
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Our best hotel cards feature large welcome bonuses that could go towards your next stay.
The best hotel cards can come with annual fees but also offer great perks like a free hotel night.
The cards on this list were selected for their elevated earnings on hotel stays.
Redemption options include transferable points and brand-specific points.
The best hotel cards feature elevated rewards like free night certificates and elite status so that you can make the most out of your stay.
With several co-branded hotel cards offering automatic elite status, annual free night rewards and elevated rewards earnings, it’s no surprise that 57% of TPG readers say they have a cobranded hotel card. In fact, several TPG staffers have at least one — if not multiple — cobranded hotel cards in their wallets, too.
Many travelers seeking an enhanced accommodation experience — whether it’s on-property credits for services at the spa or meals during your stay — are prioritizing adding cobranded hotel cards to their wallets. If you haven’t considered a hotel credit card, now might be the time to explore whether these benefits can elevate your next trip.
Even if you only stay in hotels a few times a year, it can be worth it to carry a hotel credit card. That’s especially true if you stay with one chain in particular, but not enough to earn elite status on your own.
Hotel credit cards offer generous sign-up bonuses of hundreds of thousands of points or several free nights that can be worth well over $1,000, depending on how you use them. They also field valuable benefits, such as anniversary free nights, that can be worth hundreds or even thousands of dollars, plus automatic hotel elite status with value-added perks, like early check-in, late checkout, food and beverage credits and the ability to earn even more bonus points on stays.
What’s more, some hotel credit cards provide even more premium perks — such as on-property statement credits during stays, application fee refunds for Global Entry or TSA PreCheck, airport lounge access and comprehensive travel protections like trip delay insurance — that can add up to tremendous savings.
There are a few ways to earn hotel points, and carrying a hotel credit card is among the best.
First, you can earn hotel points by signing up for a hotel chain’s loyalty program and staying with participating properties. For instance, if you stay at World of Hyatt brands like Hyatt Regency and Hyatt Place, you can earn points on each and every paid stay.
Carrying a hotel credit card is a great way to supplement that earning since you accrue points not only on stays that you pay for with your card, but also on everyday purchases that you use your card to make. Finding a hotel credit card that earns multiple points per dollar on the purchases you make the most, such as groceries or gas, can boost your earning even further.
Some hotel rewards programs have online shopping or dining portals, such as Eat Around Town by Marriott Bonvoy. When you sign up and dine out, you can earn several points per dollar on meals at participating restaurants.
The best hotel rewards program will depend on your travel habits and goals. If you tend to stay at the brands that are part of one chain, such as Hilton or IHG, then its loyalty program will probably be the best choice for you to focus on.
On the other hand, if you are not loyal to a particular brand or two, you’ll want to evaluate your strategy for earning and redeeming points in the best way possible. It’s worth looking at all the brands that participate in each hotel loyalty program, which can run the gamut from no-nonsense, budget-conscious motels to ultra luxurious resorts. Choose a hotel rewards program that has the types of hotels where you tend to stay.
Aside from your potential travel plans, you should look at which hotel credit cards will offer you the rewards and benefits you’ll be able to maximize most easily and put to use most frequently. After all, you don’t want to get stuck paying the annual fee for a hotel credit card whose perks you don’t use and whose hotels you don’t stay at. On the other hand, if you find a hotel credit card that offers benefits you can derive real value from, that earns bonus points on your major purchase categories each month and that has hotels where you actually want to redeem those points, then you’ve probably pinpointed the best hotel rewards program for you.
Whether or not your hotel points expire depends on the specific program. Best Western Rewards points do not expire, for instance. However, Hilton Honors and Marriott Bonvoy points expire after 24 months of no account activity. Wyndham Rewards points expire after just 18 months of no account activity, but they also expire four years after you earn them, whether your account has been active or not.
Account activity in all these cases means earning or redeeming points, so it’s not just about having to book extra stays to keep your account in good standing. If you redeem points for a stay, that should reset your clock, too.
Keeping your miles from expiring is also an excellent reason to carry a hotel credit card, since any points you earn with it, including on your day-to-day spending, will register as account activity and reset your points’ lifetime.
We have a handy guide to expiration policies for airline miles and hotel points that can help you keep track of your points balances and ensure your hard-earned points stay safe.
Many types of hotel points are transferable, and even transferable in different ways, depending on the terms and conditions of the specific hotel loyalty program.
For instance, Marriott Bonvoy points transfer to 39 airline loyalty programs. For most, the transfer ratio is 3 Marriott Bonvoy points to 1 airline mile. And, with most partners, when you transfer 60,000 Marriott points, you earn 5,000 bonus airline miles, meaning you end up with 25,000 miles instead of just 20,000. Likewise, World of Hyatt members can convert their hotel points into airline miles with 25 airline loyalty programs, though the value proposition of doing so is not great.
Many hotel loyalty programs also allow members to transfer points between their accounts. For instance, both Marriott Bonvoy and World of Hyatt members can transfer points to one another for free, though certain terms, conditions and limits apply regarding how many transfers members can make, the minimum and maximum number of points that are transferable and how long both accounts must have been open.
Many premium hotel credit cards offer "free nights" awards. In addition, some cards offer additional free nights if you meet a spending threshold. Some notable cards that offer free nights include:
Many hotel credit cards offer complimentary breakfast at your hotel as a perk. Some notable cards that offer this include:
Choosing a card that offers lucrative rewards will typically depend on whether or not you are loyal to a specific hotel chain. You should also consider whether an annual fee is worth having a given card in addition to the benefits a card has to offer.
Once you've answered these questions, scope out current welcome bonuses to see which cards will provide you with a solid number of base points you can redeem in the future.
Some TPG favorite cobranded hotel cards include:
These cobranded hotel cards feature elevated earning rates when you book stays with their respective properties. Some cobranded hotel cards also offer credits you can use to offset the cost of on-property dining or amenities like spa services.
If you're an occasional traveler who only needs to book a hotel room a couple of times a year, you may want to opt for a general travel card like Chase's Sapphire Preferred® Card or Sapphire Reserve®.
Most hotels will put a hold on your room for potential incidentials such as damages. The hold is not deducted from your account and will be removed if no additional charges are incurred. These hotel holds can last as long as a week but are generally released within 24 hours of checking out depending on the credit issuer.
TPG's director of travel content Eric Rosen has used points and miles to visit some of the world's most remote corners, including swimming with whale sharks off Western Australia's Ningaloo Coast, exploring the wilds of Botswana's Okavango Delta and tasting the high-altitude wines of Argentina's Mendoza region.
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
Nick Ewen is TPG's editor-in-chief and helps readers leverage credit cards (he has more than 25 of them) and loyalty programs to travel more for less. He's been at TPG for over 11 years.
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
Best for premium travel perks and digital entertainment
| Rate | Category |
|---|---|
| 5X | Earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year. |
As High As 175,000 points. Find Out Your Offer.
$895
See Pay Over Time APR
Good to Excellent
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Best for premium travel perks and digital entertainment
As High As 175,000 points. Find Out Your Offer.
$895
See Pay Over Time APR
Good to Excellent
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Best for Hilton loyalists
| Rate | Category |
|---|---|
| 14X | Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio. |
| 7X | Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants. |
| 3X | Card Members can earn 3X Points on all other eligible purchases. |
Earn 200,000 Hilton Honors Bonus Points
$550
19.74%-28.74% Variable
Good to Excellent
The Hilton Honors American Express Aspire Card offers unparalleled value for frequent Hilton loyalists. It offers automatic Diamond status, up to $400 in annual Hilton resort statement credits (up to $200 semi-annually) and a Free Night Reward every year. Its rich suite of benefits easily offsets the annual fee for those who stay at Hilton properties even a few times per year.
The Hilton Honors American Express Aspire Card offers unparalleled value for frequent Hilton loyalists. It offers automatic Diamond status, up to $400 in annual Hilton resort statement credits (up to $200 semi-annually) and a Free Night Reward every year. Its rich suite of benefits easily offsets the annual fee for those who stay at Hilton properties even a few times per year.
Best for Hilton loyalists
Earn 200,000 Hilton Honors Bonus Points
$550
19.74%-28.74% Variable
Good to Excellent
The Hilton Honors American Express Aspire Card offers unparalleled value for frequent Hilton loyalists. It offers automatic Diamond status, up to $400 in annual Hilton resort statement credits (up to $200 semi-annually) and a Free Night Reward every year. Its rich suite of benefits easily offsets the annual fee for those who stay at Hilton properties even a few times per year.
Best for IHG loyalists who want valuable hotel perks
| Rate | Category |
|---|---|
| 28X | Earn up to 28X total points on stays at IHG Hotels & Resorts. |
| 6X | Earn 6X points on dining and all other travel, including rideshare. |
| 3X | Earn 3X points per $1 spent on all other purchases. |
Earn 200,000 bonus points
$350
19.24% - 27.74% Variable
Good Credit, Excellent Credit
The IHG One Rewards Premier Select Credit Card offers a robust collection of benefits for frequent IHG guests. Cardholders receive automatic IHG One Rewards Platinum Elite status, an anniversary free night worth up to 60,000 points, 20 elite night credits each year and a fourth Reward Night free on eligible award stays, plus valuable IHG and travel credits. (Partner offer)
The IHG One Rewards Premier Select Credit Card offers a robust collection of benefits for frequent IHG guests. Cardholders receive automatic IHG One Rewards Platinum Elite status, an anniversary free night worth up to 60,000 points, 20 elite night credits each year and a fourth Reward Night free on eligible award stays, plus valuable IHG and travel credits. (Partner offer)
Best for IHG loyalists who want valuable hotel perks
Earn 200,000 bonus points
$350
19.24% - 27.74% Variable
Good Credit, Excellent Credit
The IHG One Rewards Premier Select Credit Card offers a robust collection of benefits for frequent IHG guests. Cardholders receive automatic IHG One Rewards Platinum Elite status, an anniversary free night worth up to 60,000 points, 20 elite night credits each year and a fourth Reward Night free on eligible award stays, plus valuable IHG and travel credits. (Partner offer)
Best for welcome offer and elite status
| Rate | Category |
|---|---|
| Up to 21X | Earn up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status. |
| 6X | Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy. |
| 3X | Earn 3X points at restaurants worldwide and on flights booked directly with airlines. |
| 2X | Earn 2X points on all other eligible purchases. |
Earn 100,000 Bonus Points
$650
19.74%-28.74% Variable
Excellent to Good
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.
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.
Best for welcome offer and elite status
Earn 100,000 Bonus Points
$650
19.74%-28.74% Variable
Excellent to Good
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.
Best for low annual fee
| 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. |
Earn 130,000 Hilton Honors Points + a Free Night Reward
$150
19.74%-28.74% Variable
Good to Excellent
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. Read our full review of the Hilton Honors American Express Surpass Card.
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. Read our full review of the Hilton Honors American Express Surpass Card.
Best for low annual fee
Earn 130,000 Hilton Honors Points + a Free Night Reward
$150
19.74%-28.74% Variable
Good to Excellent
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. Read our full review of the Hilton Honors American Express Surpass Card.
Best for travel credits
| 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. |
100,000 bonus points
$795
19.49% - 27.99% Variable
740-850
Excellent
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 $2,800 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.
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 $2,800 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.
Best for travel credits
100,000 bonus points
$795
19.49% - 27.99% Variable
740-850
Excellent
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 $2,800 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.
Best for travel insurance
| Rate | Category |
|---|---|
| 5x | Earn 5x on travel purchased through Chase Travel℠. |
| 3x | Earn 3x on dining, vacation homes, 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. |
75,000 bonus points
$95
19.24% - 27.49% Variable
670-850
Excellent/Good
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.
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.
Best for travel insurance
75,000 bonus points
$95
19.24% - 27.49% Variable
670-850
Excellent/Good
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.
Best for low fee Marriott loyalists
| 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. |
Earn 3 Free Night Awards
$95
19.24% - 27.74% Variable
Good Credit, Excellent Credit
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.
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.
Best for low fee Marriott loyalists
Earn 3 Free Night Awards
$95
19.24% - 27.74% Variable
Good Credit, Excellent Credit
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.
Best for business owners who prioritize premium travel perks
| 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 providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. |
| 1X | Earn 1X points on other eligible purchases. |
As High As 300,000 points. Find Out Your Offer.
$895
17.99% - 28.74% Variable
Good to Excellent
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.
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.
Best for business owners who prioritize premium travel perks
As High As 300,000 points. Find Out Your Offer.
$895
17.99% - 28.74% Variable
Good to Excellent
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.
Best for no annual fee
| Rate | Category |
|---|---|
| 7X | Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. |
| 5X | Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations. |
| 3X | Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. |
Earn 70,000 Bonus Points plus a Free Night Reward
$0
19.74%-28.74% Variable
Excellent to Good
The Hilton Honors Amex Card is a decent entry-level hotel card with no annual fee. It’s a card that is ideal for beginners and offers an array of perks for those loyal to the Hilton brand. Read our review of the Hilton Honors Amex Card.
The Hilton Honors Amex Card is a decent entry-level hotel card with no annual fee. It’s a card that is ideal for beginners and offers an array of perks for those loyal to the Hilton brand. Read our review of the Hilton Honors Amex Card.
Best for no annual fee
Earn 70,000 Bonus Points plus a Free Night Reward
$0
19.74%-28.74% Variable
Excellent to Good
The Hilton Honors Amex Card is a decent entry-level hotel card with no annual fee. It’s a card that is ideal for beginners and offers an array of perks for those loyal to the Hilton brand. Read our review of the Hilton Honors Amex Card.
Best for Marriott Bonvoy Gold elite status
| Rate | Category |
|---|---|
| Up to 18.5X | Earn up to 18.5X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Bevy® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 2.5X points from Marriott Bonvoy with the 25% Bonus Points on Stays, a benefit available with your complimentary Gold Elite status. |
| 6X | Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. |
| 4X | Earn 4X points at restaurants worldwide and U.S. Supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points). |
| 2X | Earn 2X points on all other eligible purchases. |
Earn 85,000 Bonus Points
$250
19.74%-28.74% Variable
Excellent to Good
This newest Marriott Bonvoy card from American Express is the first card in their portfolio at the mid-tier level. It gives cardmembers automatic Gold status and an elite night credit boost and offers a generous welcome bonus.
This newest Marriott Bonvoy card from American Express is the first card in their portfolio at the mid-tier level. It gives cardmembers automatic Gold status and an elite night credit boost and offers a generous welcome bonus.
Best for Marriott Bonvoy Gold elite status
Earn 85,000 Bonus Points
$250
19.74%-28.74% Variable
Excellent to Good
This newest Marriott Bonvoy card from American Express is the first card in their portfolio at the mid-tier level. It gives cardmembers automatic Gold status and an elite night credit boost and offers a generous welcome bonus.
Best for Hyatt loyalists
| 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 |
Earn up to 60,000 points
$95
19.24% - 27.74% Variable
Good Credit, Excellent Credit
The World of Hyatt Credit Card stands out by pairing one of the industry's most valuable hotel loyalty rewards programs with benefits that are easy to maximize. From its annual free night certificate to automatic Discoverist status, the card delivers meaningful ongoing value for travelers who regularly stay at Hyatt properties, while making it easier to earn rewards toward future stays.
The World of Hyatt Credit Card stands out by pairing one of the industry's most valuable hotel loyalty rewards programs with benefits that are easy to maximize. From its annual free night certificate to automatic Discoverist status, the card delivers meaningful ongoing value for travelers who regularly stay at Hyatt properties, while making it easier to earn rewards toward future stays.
Best for Hyatt loyalists
Earn up to 60,000 points
$95
19.24% - 27.74% Variable
Good Credit, Excellent Credit
The World of Hyatt Credit Card stands out by pairing one of the industry's most valuable hotel loyalty rewards programs with benefits that are easy to maximize. From its annual free night certificate to automatic Discoverist status, the card delivers meaningful ongoing value for travelers who regularly stay at Hyatt properties, while making it easier to earn rewards toward future stays.
Best for small businesses
| 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. |
Earn 100,000 Marriott Bonvoy® bonus points and 1 Free Night Award
$125
19.74% - 28.74% Variable
Excellent to Good
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.
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.
Best for small businesses
Earn 100,000 Marriott Bonvoy® bonus points and 1 Free Night Award
$125
19.74% - 28.74% Variable
Excellent to Good
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.
Best for business travel rewards
| Rate | Category |
|---|---|
| 8x | Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours. |
| 5x | Earn 5x total points on Lyft rides through 9/30/27. |
| 4x | Earn 4x points on flights & hotels booked direct. |
| 3x | Earn 3x points on social media & search engine advertising on up to $1 million in spend each anniversary year, starting 11/15/26. |
| 1x | Earn 1x points on all other purchases. |
Earn 200,000 bonus points
$795
Flex for Business Variable APR: 17.74% - 28.49%
Good Credit, Excellent Credit
The Chase Sapphire Reserve for Business℠ is a top choice for business owners who prioritize travel and premium perks. It offers elevated rewards, including 8 points per dollar spent through Chase Travel℠ and 4 points per dollar spent on flights and hotels booked direct.
Cardmembers also receive flexible statement credits totalling over $2,500 annually, including more than $1,300 in travel value and $1,200 towards business services. These credits cover a wide range of expenses, such as a $300 annual travel credit and a $400 ZipRecruiter hiring credit.
While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.
The Chase Sapphire Reserve for Business℠ is a top choice for business owners who prioritize travel and premium perks. It offers elevated rewards, including 8 points per dollar spent through Chase Travel℠ and 4 points per dollar spent on flights and hotels booked direct.
Cardmembers also receive flexible statement credits totalling over $2,500 annually, including more than $1,300 in travel value and $1,200 towards business services. These credits cover a wide range of expenses, such as a $300 annual travel credit and a $400 ZipRecruiter hiring credit.
While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.
Best for business travel rewards
Earn 200,000 bonus points
$795
Flex for Business Variable APR: 17.74% - 28.49%
Good Credit, Excellent Credit
The Chase Sapphire Reserve for Business℠ is a top choice for business owners who prioritize travel and premium perks. It offers elevated rewards, including 8 points per dollar spent through Chase Travel℠ and 4 points per dollar spent on flights and hotels booked direct.
Cardmembers also receive flexible statement credits totalling over $2,500 annually, including more than $1,300 in travel value and $1,200 towards business services. These credits cover a wide range of expenses, such as a $300 annual travel credit and a $400 ZipRecruiter hiring credit.
While the card carries a high annual fee, its broad range of benefits and generous earning potential make it a solid choice for businesses with frequent travel and significant spending needs.
Best for no annual fee
| 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. |
Earn 45,000 Bonus Points
$0
19.24% - 27.74% Variable
Good Credit, Excellent Credit
The Bonvoy Bold card is the no-annual-fee card option in Marriott’s lineup and offers a way to start earning points and a jump start to elite status. However, it lags behind Marriott’s other card options when it comes to earning rates and perks. Read our full review of the Marriott Bonvoy Bold.
The Bonvoy Bold card is the no-annual-fee card option in Marriott’s lineup and offers a way to start earning points and a jump start to elite status. However, it lags behind Marriott’s other card options when it comes to earning rates and perks. Read our full review of the Marriott Bonvoy Bold.
Best for no annual fee
Earn 45,000 Bonus Points
$0
19.24% - 27.74% Variable
Good Credit, Excellent Credit
The Bonvoy Bold card is the no-annual-fee card option in Marriott’s lineup and offers a way to start earning points and a jump start to elite status. However, it lags behind Marriott’s other card options when it comes to earning rates and perks. Read our full review of the Marriott Bonvoy Bold.
Best for a premium, all-in-one rewards experience
| 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 |
50,000 Bilt Points + Gold Status + $300 of Bilt Cash
$495
26.74 - 34.74% variable
Good Credit, Excellent Credit
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.
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.
Best for a premium, all-in-one rewards experience
50,000 Bilt Points + Gold Status + $300 of Bilt Cash
$495
26.74 - 34.74% variable
Good Credit, Excellent Credit
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.
Best for starter travel
| 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 |
Earn 60,000 bonus ThankYou® Points
$95
19.74% - 27.74% (Variable)
670-850
Excellent, Good
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.
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.
Best for starter travel
Earn 60,000 bonus ThankYou® Points
$95
19.74% - 27.74% (Variable)
670-850
Excellent, Good
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.
What's your favorite hotel credit card — and why?
American Express Platinum Card®"As a luxury hotel aficionado, the Amex Platinum card allows me to use Fine Hotels + Resorts to stay at the top hotels around the world, get treated like a king — and earn valuable points for the bookings."
Best for IHG
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)
Best for IHG
| Credit card | Best for | Intro offer | Earning rate | Annual fee | Apply |
|---|---|---|---|---|---|
American Express Platinum Card® | premium travel perks and digital entertainment | As High As 175,000 points. Find Out Your Offer. | 5X points | $895 | Apply now at American Express's secure siteSee rates & fees |
Limited-Time Offer Hilton Honors American Express Aspire Card | |||||
Limited-Time Offer The Brand New IHG One Rewards Premier Select Credit Card | |||||
Marriott Bonvoy Brilliant® American Express® Card | |||||
Limited-Time Offer Hilton Honors American Express Surpass® Card | |||||
Chase Sapphire Reserve® | |||||
Chase Sapphire Preferred® Card | |||||
Marriott Bonvoy Boundless® Credit Card | |||||
The Business Platinum Card® from American Express | |||||
Limited-Time Offer Hilton Honors American Express Card | |||||
Limited-Time Offer The New IHG One Rewards Premier Credit Card | |||||
Marriott Bonvoy Bevy® American Express® Card | |||||
The World of Hyatt Credit Card | |||||
Limited-Time Offer Marriott Bonvoy Business® American Express® Card | |||||
Offer Extended Sapphire Reserve for Business℠ | |||||
Marriott Bonvoy Bold® Credit Card | |||||
Bilt Palladium Card | |||||
Citi Strata Premier® Card |
| 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. |
Earn 180,000 Bonus Points
$150
19.24% - 27.74% Variable
Good Credit, Excellent Credit
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)
Earn 180,000 Bonus Points
$150
19.24% - 27.74% Variable
Good Credit, Excellent Credit
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)
| Hilton loyalists |
| Earn 200,000 Hilton Honors Bonus Points |
| 3 - 14X points |
| $550 |
| at American Express's secure siteSee rates & fees |
| IHG loyalists who want valuable hotel perks |
| Earn 200,000 bonus points |
| 3 - 28X points |
| $350 |
| at Chase's secure siteSee rates & fees |
| welcome offer and elite status |
| Earn 100,000 Bonus Points |
| 2 - 21X points |
| $650 |
| at American Express's secure siteSee rates & fees |
| low annual fee |
| Earn 130,000 Hilton Honors Points + a Free Night Reward |
| 3 - 12X points |
| $150 |
| at American Express's secure siteSee rates & fees |
| travel credits |
| 100,000 bonus points |
| 1 - 8X points |
| $795 |
| at Chase's secure siteSee rates & fees |
| travel insurance |
| 75,000 bonus points |
| 1 - 5X points |
| $95 |
| at Chase's secure siteSee rates & fees |
| low fee Marriott loyalists |
| Earn 3 Free Night Awards |
| 2 - 17X points |
| $95 |
| at Chase's secure siteSee rates & fees |
| business owners who prioritize premium travel perks |
| As High As 300,000 points. Find Out Your Offer. |
| 1 - 5X points |
| $895 |
| at American Express's secure siteSee rates & fees |
| no annual fee |
| Earn 70,000 Bonus Points plus a Free Night Reward |
| 3 - 7X points |
| $0 |
| at American Express's secure siteSee rates & fees |
| IHG |
| Earn 180,000 Bonus Points |
| 3 - 24X points |
| $150 |
| at Chase's secure siteSee rates & fees |
| Marriott Bonvoy Gold elite status |
| Earn 85,000 Bonus Points |
| 2 - 18.5X points |
| $250 |
| at American Express's secure siteSee rates & fees |
| Hyatt loyalists |
| Earn up to 60,000 points |
| 2 - 9X points |
| $95 |
| at Chase's secure siteSee rates & fees |
| small businesses |
| Earn 100,000 Marriott Bonvoy® bonus points and 1 Free Night Award |
| 2 - 6X points |
| $125 |
| at American Express's secure siteSee rates & fees |
| business travel rewards |
| Earn 200,000 bonus points 150,000 bonus points |
| 1 - 8X points |
| $795 |
| at Chase's secure siteSee rates & fees |
| no annual fee |
| Earn 45,000 Bonus Points |
| 1 - 14X points |
| $0 |
| at Chase's secure siteSee rates & fees |
| a premium, all-in-one rewards experience |
| 50,000 Bilt Points + Gold Status + $300 of Bilt Cash |
| 1.25 - 2X points |
| $495 |
| at Bilt's secure siteSee rates & fees |
| starter travel |
| Earn 60,000 bonus ThankYou® Points |
| 1 - 10X points |
| $95 |
| at Citi's secure siteSee rates & fees |
