Top 10 Hotel Credit Cards
Hotel credit cards are specialized financial products offered by credit card issuers in partnership with hotel chains. These cards provide cardholders with specific benefits and rewards related to hotel stays, such as points for free nights, complimentary room upgrades, and other perks aimed at enhancing the travel experience.
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In addition to the basic rewards, hotel credit cards often come with a range of other travel-related benefits that can greatly enhance the value for frequent travelers. For instance, many hotel credit cards offer accelerated points earning rates on hotel bookings, dining, and other travel expenses. Cardholders may also enjoy elite status within the hotel's loyalty program, which can provide advantages like late check-out, early check-in, and access to exclusive lounges. Some cards include annual free night certificates and travel protections such as trip cancellation insurance and lost luggage reimbursement. While these cards typically come with higher annual fees, the benefits they offer can easily outweigh the costs for those who frequently stay in hotels.
Marriott Bonvoy Boundless® Credit CardView AllMarriott Bonvoy Boundless® Credit Card - Earn Marriott points, hotel perks, and travel benefits.
Hilton Honors American Express Surpass® CardView AllHilton Honors American Express Surpass® Card - Hilton Honors American Express Surpass®: Travel rewards, elite benefits.
IHG® Rewards Club Premier Credit CardView AllIHG® Rewards Club Premier Credit Card - Travel-focused card with hotel rewards and bonus points.
World of Hyatt Credit CardView AllWorld of Hyatt Credit Card - Travel rewards card for Hyatt hotel stays and benefits.
Marriott Bonvoy Brilliant™ American Express® CardView AllMarriott Bonvoy Brilliant™ American Express® Card - Luxury travel credit card with Marriott rewards and benefits.
Hilton Honors American Express Aspire CardView AllHilton Honors American Express Aspire Card - Elite hotel benefits, priority perks, high rewards.
Wyndham Rewards® Earner℠ Plus CardView AllWyndham Rewards® Earner℠ Plus Card - Wyndham Rewards® Earner℠ Plus Card: Travel rewards, bonus points.
Choice Privileges® Visa Signature® CardView AllChoice Privileges® Visa Signature® Card - Hotel rewards, travel benefits, no annual fee.
Radisson Rewards™ Premier Visa Signature® CardView AllRadisson Rewards™ Premier Visa Signature® Card - Hotel rewards card with bonus points and elite status perks.
Top 10 Hotel Credit Cards
1.
Marriott Bonvoy Boundless® Credit Card
The Marriott Bonvoy Boundless® Credit Card, issued by Chase, is designed for frequent travelers and Marriott loyalists. It offers substantial rewards, including 6X points per dollar spent at over 7,000 Marriott Bonvoy hotels and 2X points on all other purchases. Cardholders enjoy additional perks like an annual free night award, automatic Silver Elite status, and no foreign transaction fees. With a $95 annual fee, it provides significant value for those who regularly stay at Marriott properties.
Pros
Generous sign-up bonus- Free night annually
- High earning rates on Marriott purchases
- Automatic Silver Elite status
- No foreign transaction fees.
Cons
$95 annual fee- Limited rewards redemption outside Marriott
- High APR
- Requires good credit
- Limited travel insurance benefits.
2.
Hilton Honors American Express Surpass® Card
The Hilton Honors American Express Surpass® Card is a premium travel rewards credit card designed for frequent travelers. It offers generous Hilton Honors points on Hilton hotel stays, dining, and everyday purchases. Cardholders enjoy benefits like complimentary Gold status, weekend night rewards, and access to 10 complimentary Priority Pass™ airport lounge visits annually. With no foreign transaction fees and a modest annual fee, it's an excellent choice for those looking to maximize their hotel rewards and travel perks.
Pros
- High rewards rate
- Free weekend night
- Priority Pass Select
- Hilton Gold status
- No foreign transaction fees.
Cons
- Annual fee
- Limited airline transfer partners
- High APR
- Rewards specific to Hilton
- No welcome bonus for existing members.
3.
IHG® Rewards Club Premier Credit Card
The IHG® Rewards Club Premier Credit Card offers generous rewards for travelers, including up to 26 points per $1 spent at IHG Hotels and Resorts, and 5 points per $1 on travel, dining, and gas. Cardholders receive a free night each year on their cardmember anniversary and a fourth reward night free on stays of four or more nights. Additional benefits include automatic Platinum Elite status and no foreign transaction fees, making it ideal for frequent travelers.
Pros
- High rewards on IHG stays
- Free anniversary night
- Automatic Platinum Elite status
- No foreign transaction fees
- Large sign-up bonus.
Cons
- Annual fee
- Limited high-value redemption options
- Rewards focused on IHG properties
- Potential high APR
- Limited travel benefits outside IHG.
4.
World of Hyatt Credit Card
The World of Hyatt Credit Card, issued by Chase, offers generous rewards for travelers, especially those loyal to Hyatt hotels. Cardholders earn up to 9 points per dollar spent at Hyatt properties, 2 points at restaurants, on airline tickets purchased directly from airlines, local transit, and fitness club memberships, and 1 point on other purchases. Benefits include complimentary World of Hyatt Discoverist status, free nights, and no foreign transaction fees, making it ideal for frequent travelers and Hyatt enthusiasts.
Pros
- Earn free nights
- Automatic elite status
- No foreign transaction fees
- Bonus points on categories
- Anniversary free night.
Cons
- Annual fee
- Limited Hyatt hotel locations
- High spending requirement for bonuses
- No airport lounge access
- Limited travel insurance benefits.
5.
Marriott Bonvoy Brilliant™ American Express® Card
The Marriott Bonvoy Brilliant™ American Express® Card is a premium travel rewards card designed for frequent travelers. It offers significant benefits including automatic Marriott Bonvoy Platinum Elite status, an annual free night award, and up to $300 in statement credits for eligible Marriott purchases. Cardholders earn substantial points on Marriott stays, dining, and other purchases. Additional perks include airport lounge access through Priority Pass Select and various travel protections, making it ideal for luxury travelers.
Pros
- Generous welcome bonus
-
Annual free night award
-
$300 Marriott statement credit
-
Complimentary Gold Elite status
-
Priority Pass Select membership.
Cons
- High annual fee
-
Limited Marriott-specific rewards
-
High APR
-
Foreign transaction fees
-
Value declines without frequent travel.
6.
Hilton Honors American Express Aspire Card
The Hilton Honors American Express Aspire Card is a premium travel rewards credit card designed for frequent Hilton hotel guests. It offers a range of luxurious benefits, including automatic Hilton Honors Diamond status, complimentary weekend night rewards, and up to $250 in annual Hilton resort credits. Cardholders earn substantial points on Hilton purchases, dining, and travel. Additional perks include priority airport lounge access and travel insurance, making it an ideal choice for luxury travelers. Note: It has a high annual fee.
Pros
- Complimentary Diamond status
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$250 annual Hilton resort credit
-
Free weekend night reward
-
Priority Pass lounge access
-
High earning rate on Hilton purchases.
Cons
- $450 annual fee
-
Limited value outside Hilton stays
-
High APR
-
No intro APR offer
-
Requires excellent credit.
7.
Wyndham Rewards® Earner℠ Plus Card
The Wyndham Rewards® Earner℠ Plus Card is a travel rewards credit card that offers generous points for Wyndham hotel stays, gas purchases, and dining. Cardholders can earn 6 points per dollar spent at Wyndham properties, 4 points on gas and dining, and 1 point on all other purchases. The card includes perks like a 7,500-point anniversary bonus, no foreign transaction fees, and complimentary Wyndham Rewards Gold status, making it ideal for frequent travelers.
Pros
- High earning rates
- Generous welcome bonus
- Anniversary bonus
- No foreign transaction fees
- Complimentary Gold status
Cons
-
Annual fee
- Limited redemption options
- High APR
- Requires good credit
- No travel credits
8.
Choice Privileges® Visa Signature® Card
The Choice Privileges® Visa Signature® Card is a travel rewards credit card tailored for frequent travelers who stay at Choice Hotels. Cardholders earn points for every dollar spent, which can be redeemed for free nights, gift cards, and more. The card offers perks like automatic Elite Gold status, no annual fee, and bonus points on everyday purchases. Ideal for loyal Choice Hotels guests, it enhances travel experiences with exclusive benefits and rewards.
Pros
- No annual fee
- Automatic Gold Elite status
- 15 points per $1 at Choice Hotels
- 5 points per $1 on other travel
- 2 points per $1 on all purchases.
Cons
-
High APR
- Limited to Choice Hotels
- Foreign transaction fees
- Limited travel benefits
- Points expire if inactive for 18 months.
9.
Radisson Rewards™ Premier Visa Signature® Card
The Radisson Rewards™ Premier Visa Signature® Card is a travel rewards credit card offering generous benefits for frequent travelers. Cardholders earn points on everyday purchases and bonus points on stays at Radisson properties. Key perks include an annual free night after account anniversary, automatic Gold Elite status, and no foreign transaction fees. The card also provides travel and purchase protections, making it a valuable companion for those who regularly stay at Radisson hotels worldwide.
Pros
- - High rewards rate for Radisson stays
- Generous sign-up bonus
- Free night certificate annually
- Elite status boost
- No foreign transaction fees
Cons
- Limited brand reach
High spending requirement for bonus
Annual fee
Limited redemption options
Average customer service