Best Hotel Credit Cards

Here are the best hotel credit card offers:

Chase Sapphire Preferred® Card

Unlock Travel Rewards with the Chase Sapphire Preferred^® Credit Card

75,000 bonus points after spending $5,000 in the first 3 months
5X points on travel booked through Chase Travel℠
3X points on dining, select streaming services and online grocery purchases
2X points on all other travel
1X point on all other purchases
$50 annual hotel credit through Chase Travel℠
10% anniversary points boost on prior year’s spend
No foreign transaction fees
$95 annual fee

Make every trip count with flexible redemption options—transfer points 1:1 to top airline and hotel partners or boost their value when booking through Chase. Enjoy built‑in travel protections like trip cancellation/interruption insurance, primary rental car coverage and lost luggage reimbursement, plus seamless account management via the Chase mobile app. Whether you’re a frequent flyer or planning your next getaway, the Chase Sapphire Preferred^® delivers premium perks at an approachable price.

Terms apply. Bonus offer requires minimum spend. Annual fee applies. See Chase for full details.

Marriott Bonvoy Boundless® Credit Card

Unlock Premier Marriott Perks with the Marriott Bonvoy Boundless^® Credit Card

3 Free Night Awards (up to 50,000 points each) after $3,000 in purchases within 3 months
6X points per $1 at Marriott Bonvoy hotels
3X points per $1 on dining, gas stations and grocery stores (first $6,000 per year)
2X points per $1 on all other purchases
Automatic Silver Elite status plus 1 Free Night Award (up to 35,000 points) each account anniversary
No foreign transaction fees and $95 annual fee

Whether you’re booking a quick weekend stay or an extended getaway, this card elevates your Marriott experience. Enjoy priority late checkout, complimentary Wi‑Fi and accelerated elite night credits with every $5,000 spent. Redeem points at 8,000+ properties worldwide and manage rewards seamlessly in the Chase app.

Terms apply. Free Night Awards expire after 12 months. Bonus category caps apply. See issuer’s site for full details.

World of Hyatt Credit Card

Accelerate Your Hyatt Journeys with the World of Hyatt Credit Card

2 Free Night Awards after spending $4,000 in the first 3 months & 25,000 bonus points after $12,000 in the first 6 months
4 bonus points/$1 at Hyatt hotels & resorts
2 points/$1 on dining, airline tickets, local transit and fitness
1 point/$1 on all other purchases
Automatic Discoverist status and 5 tier‑qualifying nights upon account opening
1 free anniversary night at a Category 1–4 property plus an extra free night after $15,000 annual spend
$95 annual fee with no foreign transaction fees

Whether you’re planning a luxury escape or a quick weekend getaway, this card delivers Hyatt perks that easily cover its cost. Earn up to 9 points per dollar on stays, fast‑track elite status through tier‑qualifying nights and enjoy free nights that refresh every year. Manage your rewards seamlessly in the Chase app and unlock more comfort on every trip.

Terms apply. Bonus nights after qualifying spend. Anniversary free night valid at Category 1–4 properties. Annual fee applies. See issuer for full details.

IHG® One Rewards Premier Credit Card

Elevate Your Stays with the IHG One Rewards Premier Credit Card

5 free nights after $5,000 in purchases within 3 months
Anniversary free night each year (up to 40,000 points value)
Fourth night free when you redeem 4 consecutive award nights
26X points per $1 at IHG Hotels & Resorts
5X points on travel, gas stations and dining
3X points on all other purchases
Automatic Platinum Elite status with priority check‑in, upgrades and late checkout
$120 every 4 years back for Global Entry, TSA PreCheck^® or NEXUS
No foreign transaction fees
$99 annual fee

Whether you’re planning a business trip or a bucket‑list getaway, this card supercharges your IHG experience with bonus points and elite perks that unlock faster upgrades and comfort. Use your free nights for flexibility, enjoy a complimentary anniversary stay, and take advantage of streamlined digital tools and exclusive member benefits at thousands of IHG properties worldwide.

Terms apply. Free-night certificates valid at properties up to 40,000 points; bonus points and benefits subject to IHG One Rewards program rules. See full terms for details.

Marriott Bonvoy Brilliant™ American Express® Card

Experience Luxury Benefits with the Marriott Bonvoy Brilliant^® American Express^® Card

Up to 150,000 bonus points (100,000 after $6,000 spend + 50,000 after an additional $2,000 within 6 months)
6X points per $1 at Marriott Bonvoy hotels; 3X points at restaurants & on flights; 2X points on all other purchases
$300 annual dining credit ($25 per month)
1 free night award each year (up to 85,000 points)
$100 property credit on qualifying Ritz‑Carlton & St. Regis stays
Complimentary Platinum Elite status with upgrades & free breakfast
Priority Pass Select membership for airport lounge access
Global Entry/TSA PreCheck^® credit every 4 years
Robust travel & purchase protections including trip delay, baggage coverage & cell phone protection
$650 annual fee

Whether you’re planning a weekend getaway or an extended luxury stay, the Marriott Bonvoy Brilliant^® Card delivers top‑tier perks that help you earn and redeem points faster, offset costs with valuable credits, and travel with confidence thanks to elite status and comprehensive protections.

Terms apply. Welcome offer and benefits require qualifying spend and enrollment. See issuer for complete details.

Hilton Honors American Express Aspire Card

Unlock Luxury Stays & Exclusive Perks with the Hilton Honors Aspire Card

14X points per $1 on Hilton stays
7X points per $1 on flights booked directly with airlines or through AmexTravel.com, car rentals and U.S. restaurants
3X points per $1 on all other eligible purchases
$450 Hilton resort credit annually (up to $150 per stay)
$250 airline fee credit per calendar year for incidental charges
$100 Digital Entertainment credit each year for eligible services
Automatic Hilton Honors Diamond status for room upgrades, free breakfast and premium Wi‑Fi
Complimentary Priority Pass™ Select membership with unlimited lounge visits
Free weekend night reward each year after renewal
No foreign transaction fees

This card is ideal for travelers who demand top-tier benefits at every stay. Earn accelerated points on all your Hilton bookings and everyday spending, then redeem them for free nights or premium experiences. Your annual credits offset the fee and elevate resort and airline travel, while Diamond status ensures comfort from check‑in to checkout. Manage your rewards effortlessly with the Amex app and enjoy seamless access to lounges worldwide.

Terms apply. Credits require enrollment and eligible purchases. See issuer for complete details.

Hilton Honors American Express Surpass® Card

Maximize Your Hilton Honors Rewards with the Hilton Honors American Express Surpass^® Card

130,000 bonus points after $3,000 in purchases within 6 months
$0 intro annual fee for the first year, then $150
Up to $200 annual statement credit ($50 per quarter) on eligible Hilton purchases
12X points per $1 on Hilton portfolio stays
6X points per $1 at U.S. restaurants, supermarkets & gas stations
4X points per $1 on U.S. online retail purchases
3X points per $1 on all other eligible purchases
Complimentary Hilton Honors Gold Status and a fast track to Diamond Status
Free Night Reward after $15,000 in annual spend
National Car Rental Emerald Club Executive status (enrollment required)
No foreign transaction fees

Whether you’re booking a quick weekend getaway or a multi‑night resort stay, this card puts powerful rewards and perks in your hands. Offset the annual fee with quarterly statement credits on Hilton stays, then rack up accelerated points on both hotel nights and everyday purchases. Enjoy automatic Gold elite benefits—like room upgrades, complimentary breakfast and bonus points—and use your Free Night Reward to unlock even more value. Manage your Hilton Honors balance seamlessly in the AmEx app and get the most out of every stay.

Terms apply. Statement credits capped at $50 per quarter. Welcome offer and benefits require qualifying purchases. See issuer for full details.

FAQs About Hotel Credit Cards

What is a hotel credit card?

A hotel credit card is a type of rewards credit card that earns points or benefits specifically tied to a hotel loyalty program. These cards offer perks like free nights, automatic elite status, and faster point accumulation for hotel stays.

Are hotel credit cards worth it if I don’t travel often?

Some hotel credit cards offer value even for infrequent travelers — such as annual free night certificates, bonus points on everyday spending, and automatic elite status with benefits like late checkout or room upgrades.

Do hotel credit cards charge annual fees?

Many hotel credit cards come with an annual fee, especially those offering more benefits like free nights or premium status. However, some no-annual-fee options exist with fewer perks but still allow you to earn hotel points.

Can I use hotel points for things other than hotel stays?

Yes, most hotel loyalty programs allow you to redeem points for experiences, gift cards, or transfers to airline partners. However, redeeming points for hotel stays usually offers the best value.

Do hotel credit cards help with earning elite status?

Yes. Many hotel cards include automatic entry-level or mid-tier elite status. Others offer credits toward higher status based on how much you spend on the card each year.

What should I look for in a hotel credit card?

Look for benefits that match your travel habits — such as free night certificates, strong earning categories (hotels, dining, groceries), and elite status perks. Also consider if the annual fee is offset by the value you’ll get each year.

Do hotel points expire?

Hotel points typically expire after a period of inactivity, usually 12 to 24 months. Using your hotel credit card for purchases or booking hotel stays can reset this expiration clock and keep your points active.