Best Hotel Credit Cards in the US

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Hilton Honors American Express Aspire Card

Amex Hilton Honors

Annual fee: $550
Our valuation: $800Milesopedia first-year estimate First-year valueWelcome bonus$800Total$800Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$800Total$800Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 200,000 points; Ends Jan 13, 2027

Features
Issuer: Amex
Network
Program: Hilton Honors

Fees and terms
Annual Fee: $550/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

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Rewards: Rate
Restaurants: 7x

Benefits
Annual credit: Included
Travel Wi-Fi: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $3,000
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

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Pros

Welcome bonus of 200,000 points
3x on groceries
7x at restaurants

Cons

High annual fee ($550)

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

175,000 Bonus Hilton Honors Points when you spend $6,000 in purchases within the first 6 months of card membership
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.

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Marriott Bonvoy Bevy® American Express® Card

Amex Marriott Bonvoy

Annual fee: $250
Our valuation: $1,313Milesopedia first-year estimate First-year valueWelcome bonus$1,313Total$1,313Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$1,313Total$1,313Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 175,000 points

Features
Issuer: Amex
Network
Program: Marriott Bonvoy

Fees and terms
Annual Fee: $250/yr
Min. annual income: —

Issuer terms

Earn 175,000 Marriott Bonvoy^® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
Earn 6X Marriott Bonvoy^® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy^®.
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).
Earn 2X points on all other eligible purchases.
Marriott Bonvoy^® 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy^® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy^®.
With complimentary Marriott Bonvoy^® Gold Elite Status, earn up to 2.5X points from Marriott Bonvoy^® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
Marriott Bonvoy Bevy^® Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy^® Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy^® points) at a hotel participating in Marriott Bonvoy^®. Certain hotels have resort fees.
15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy^® American Express^® Card you can receive 15 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.
Plan It^® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you’ll still earn rewards the way you usually do.
$250 Annual Fee.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

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Rewards: Rate
Marriott Bonvoy hotels: 6x
Groceries: 4x
Restaurants: 4x

Travel insurance: Coverage
Lost Baggage: $1,250
Flight Delay: $300

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Auto Rental Collision (secondary): $50,000 · 30 days

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Pros

Welcome bonus of 175,000 points
4x on groceries
4x at restaurants

Cons

High annual fee ($250)

Elevate Your Travel Experience with the Marriott Bonvoy Bevy^® American Express^® Card

Limited-Time Offer: Earn 175,000 Marriott Bonvoy^® bonus points after you spend $5,000 in purchases on your new Card within the first 6 months. That’s enough for several free nights at amazing hotels!

Earn Big with Every Purchase:

6X points at participating Marriott Bonvoy^® hotels
4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases per calendar year, then 2X)
2X points on all other eligible purchases
1,000 bonus points per paid eligible stay booked directly with Marriott

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Hilton Honors Business Card

Business Amex Hilton Honors

Annual fee: $195
Our valuation: $600Milesopedia first-year estimate First-year valueWelcome bonus$600Total$600Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$600Total$600Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 150,000 points; Ends Jan 13, 2027

Features
Issuer: Amex
Network
Program: Hilton Honors

Fees and terms
Annual Fee: $195/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points + a Free Night Reward after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership.
Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
You may receive an upgrade to Hilton Honors Diamond Status through the end of the next calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental Emerald Club Executive status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
Terms apply.

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Rewards: Rate
Hilton hotels: 12x

Benefits
Annual credit: $240/yr

Travel insurance: Coverage
Lost Baggage: $1,250

Purchase protection: Coverage
Purchase Protection: $1,000 · 90 days
Extended Warranty: +1 year
Auto Rental Collision (secondary): $50,000 · 30 days

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Pros

Welcome bonus of 150,000 points
5x on groceries
5x at restaurants

Cons

High annual fee ($195)

Maximize Your Stays & Savings with the Hilton Honors American Express Business Card

175,000 bonus points + a Free Night Reward after $8,000 in purchases within the first 6 months
12X points per $1 on Hilton stays
6X points per $1 on select business categories (U.S. restaurants, transit, shipping, cloud services)
3X points per $1 on all other purchases
$0 intro annual fee for the first year, then $95
Up to $200 annual statement credit ($50 per quarter) on eligible Hilton purchases
Complimentary Hilton Honors Silver status and a fast track to Gold
No foreign transaction fees

Whether you’re booking client travel or rewarding your team, this card turbocharges your Hilton Honors earnings on both hotel stays and everyday business expenses. Redeem points for free nights, room upgrades or statement credits, and enjoy built‑in reporting tools that simplify expense tracking. With automatic elite status and quarterly statement credits to offset the fee, you’ll balance growth and savings seamlessly.

Terms apply. Bonus points and statement credits require qualifying purchases. See issuer for complete details.

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Marriott Bonvoy Brilliant™ American Express® Card

Amex Marriott Bonvoy

Annual fee: $650
Our valuation: $1,125Milesopedia first-year estimate First-year valueWelcome bonus$1,125Total$1,125Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$1,125Total$1,125Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 150,000 points

Features
Issuer: Amex
Network
Program: Marriott Bonvoy

Fees and terms
Annual Fee: $650/yr
Min. annual income: —

Issuer terms

Earn 200,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
$300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant^® American Express^® Card at restaurants worldwide.
With Marriott Bonvoy^® Platinum Elite Status, you can receive room upgrades, including enhanced views or suites, when the stay is booked with a Qualifying Rate at hotels that participate in Marriott Bonvoy, subject to availability upon check-in.
Earn 6X Marriott Bonvoy^® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy^®. Earn 3X Marriott Bonvoy^® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy^® points on all other eligible purchases made on the Marriott Bonvoy Brilliant^® American Express^® Card.
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 on your Marriott Bonvoy Brilliant^® American Express^® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Marriott Bonvoy^® 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 ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck^® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant^® American Express^® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Each calendar year with your Marriott Bonvoy Brilliant^® American Express^® Card 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.
Enroll in Priority Pass^™ Select, which offers unlimited airport lounge visits 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.
No Foreign Transaction Fees on international purchases.
With Cell Phone Protection*, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. *Coverage is provided by New Hampshire Insurance Company, an AIG Company.
$650 Annual Fee.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

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Rewards: Rate
Marriott Bonvoy hotels: 6x
Restaurants: 3x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: Included
Travel Wi-Fi: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $3,000
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

Read full review

Pros

Welcome bonus of 150,000 points
2x on groceries
3x at restaurants

Cons

High annual fee ($650)

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

Earn 200,000 Marriott Bonvoy^® bonus points after $6,000 in purchases within the first 6 months of Card Membership.
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.

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IHG® One Rewards Premier Credit Card

ChaseIHG Rewards

Annual fee: $99
Our valuation: $840Milesopedia first-year estimate First-year valueWelcome bonus$840Total$840Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$840Total$840Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 140,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $99/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Limited Time Offer! Earn 140,000 Bonus Points
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^® hotel stay.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier cardmember
Global Entry, TSA PreCheck^® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^®
Member FDIC

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Rewards: Rate
Gas & EV: 5x
Restaurants: 5x
Travel: 5x

Benefits
NEXUS: $120

Read full review

Pros

Welcome bonus of 140,000 points
3x on groceries
5x at restaurants

Cons

Fewer premium perks

Unlock Premium Travel Benefits with the IHG One Rewards Premier Credit Card

Limited Time Offer: Earn 140,000 Bonus Points with the IHG One Rewards Premier Credit Card after spending $3,000 on purchases in your first 3 months from account opening!

The IHG One Rewards Premier Credit Card delivers exceptional value that extends well beyond its annual fee. This card is worth getting primarily for its anniversary free night certificate, which can easily outvalue the annual fee. Plus, with the IHG One Rewards Premier Card, you’ll enjoy:

Automatic IHG Platinum Elite status
Fourth night free on award redemptions
Global Entry/TSA PreCheck^®/NEXUS credit up to $120 every 4 years

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IHG® One Rewards Premier Business Credit Card

BusinessChaseIHG Rewards

Annual fee: $99
Our valuation: $840Milesopedia first-year estimate First-year valueWelcome bonus$840Total$840Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$840Total$840Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 140,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $99/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Current welcome offer: Earn up to 200,000 Bonus Points. Earn 140,000 points after spending $4,000 on purchases in the first 3 months from account opening, and earn an additional 60,000 points after spending a total of $9,000 in the first 6 months as a cardholder.
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^® hotel stay.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier Business cardmember
Global Entry, TSA PreCheck^® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards Bonus points are redeemable at hotels such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^®
Member FDIC

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Rewards: Rate
Gas & EV: 5x
Restaurants: 5x
Travel: 5x

Benefits
NEXUS: $120

Read full review

Pros

Welcome bonus of 140,000 points
3x on groceries
5x at restaurants

Cons

Fewer premium perks

Unlock Premium Travel Benefits with the IHG One Rewards Premier Business Credit Card

Welcome Offer: Earn up to 200,000 Bonus Points with the IHG One Rewards Premier Business Credit Card after meeting spending requirements.

The IHG One Rewards Premier Business Credit Card delivers exceptional value for business owners. This card is worth getting primarily for its anniversary free night certificate, which can easily outvalue the annual fee. Plus, with the IHG One Rewards Premier Business Card, you’ll enjoy:

Automatic IHG Platinum Elite status
Fourth night free on award redemptions
Global Entry/TSA PreCheck^®/NEXUS credit up to $120 every 4 years

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Hilton Honors American Express Surpass® Card

Amex Hilton Honors

Annual fee: $150
Our valuation: $520Milesopedia first-year estimate First-year valueWelcome bonus$520Total$520Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$520Total$520Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 130,000 points Free Night Reward; Ends Jan 13, 2027

Features
Issuer: Amex
Network
Program: Hilton Honors

Fees and terms
Annual Fee: $150/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 130,000 Hilton Honors Bonus Points + a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass Card. That’s up to $200 in statement credits annually.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
Earn 3X Points for all other eligible purchases on your Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors American Express Surpass 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.
As a Hilton Honors American Express Surpass Card Member, you can enroll to receive complimentary National Car Rental Emerald Club Executive status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$150 annual fee.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Read full review

Rewards: Rate
Groceries: 6x
Gas & EV: 6x
Restaurants: 6x

Benefits
Annual credit: $200/yr

Travel insurance: Coverage
Lost Baggage: $1,250

Purchase protection: Coverage
Purchase Protection: $1,000 · 90 days
Extended Warranty: +1 year
Auto Rental Collision (secondary): $50,000 · 30 days

Read full review

Pros

Welcome bonus of 130,000 points
6x on groceries
6x at restaurants

Cons

Fewer premium perks

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

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IHG® One Rewards Traveler Credit Card

ChaseIHG Rewards

Annual fee: $0
Our valuation: $480Milesopedia first-year estimate First-year valueWelcome bonus$480Total$480Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$480Total$480Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 80,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $0
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 80,000 Bonus Points after spending $2,000 in the first 3 months from account opening.
No Annual Fee
Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
No Foreign Transaction Fees
Redeem 3 Nights, Get the 4th Night Free
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Hotel Indigo® & Holiday Inn®
Member FDIC

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Rewards: Rate
Gas & EV: 3x
Restaurants: 3x
Bills & recurring payments: 3x

Read full review

Pros

No annual fee
Welcome bonus of 80,000 points
2x on groceries
3x at restaurants

Cons

Fewer premium perks

Maximize Your Stays with the IHG One Rewards Traveler Credit Card

80,000 bonus points after spending $2,000 within the first 3 months
Up to 17x points per $1 on IHG hotel stays
3x points on monthly bills, gas and restaurants
2x points on all other purchases
No annual fee and no foreign transaction fees
4th night free on award stays of 4 or more consecutive nights

Whether you’re planning a weekend escape or a cross‑country journey, this card delivers plentiful points on every stay and everyday spend. Use your bonus points for multi‑night stays at top IHG brands—InterContinental, Crowne Plaza, Kimpton, Holiday Inn and more—while enjoying the freedom of zero fees. Manage your rewards seamlessly in the Chase app, and enjoy automatic IHG One Rewards enrollment, intuitive digital tools and 24/7 customer support.

Terms apply. Welcome bonus requires minimum spend. Points values and earning rates vary by hotel brand. See full terms for details.

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Hilton Honors American Express Card

Amex Hilton Honors

Annual fee: $0
Our valuation: $280Milesopedia first-year estimate First-year valueWelcome bonus$280Total$280Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$280Total$280Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 70,000 points; Ends Jan 13, 2027

Features
Issuer: Amex
Network
Program: Hilton Honors

Fees and terms
Annual Fee: $0
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 70,000 Hilton Honors Bonus Points + a Free Night Reward after you spend $2,000 on eligible purchases on the Hilton Honors American Express Card within your first 6 months of Card Membership.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Points for all other eligible purchases on your Card.
Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
No Annual Fee.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Read full review

Rewards: Rate
Groceries: 5x
Gas & EV: 5x
Restaurants: 5x

Purchase protection: Coverage
Purchase Protection: $1,000 · 90 days
Extended Warranty: +1 year
Auto Rental Collision (secondary): $50,000 · 30 days

Read full review

Pros

No annual fee
Welcome bonus of 70,000 points
5x on groceries
5x at restaurants

Cons

Fewer premium perks

Unlock No‑Fee Hilton Benefits with the Hilton Honors American Express Card

70,000 bonus points + a Free Night Reward after $2,000 in purchases within 6 months
No annual fee
Complimentary Silver status: fifth night free on award stays, 20% bonus points, two free bottles of water and elite rollover nights
7X points on eligible Hilton portfolio purchases
5X points at U.S. restaurants, supermarkets and gas stations
3X points on all other eligible purchases

Whether you stay at Hilton properties occasionally or just want perks without a fee, this card delivers a powerful welcome offer and solid ongoing earnings. Enjoy elevated status benefits from day one and rack up points on everyday spend—perfect for building your Hilton stash before your next getaway. Manage your account seamlessly in the AmEx app and take advantage of automatic elite perks every time you book.

Terms apply. Bonus points require $2,000 spend in first 6 months. See full terms for details.

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World of Hyatt Business Credit Card

BusinessChaseWorld of Hyatt

Annual fee: $199
Our valuation: $1,155Milesopedia first-year estimate First-year valueWelcome bonus$1,155Total$1,155Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$1,155Total$1,155Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 70,000 points

Features
Issuer: Chase
Network
Program: World of Hyatt

Fees and terms
Annual Fee: $199/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

70,000 Bonus Points after you spend $7,000 on purchases in your first 3 months from account opening.
Up to 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
2 Bonus Points per $1 spent in your top three spend categories each quarter.
2 Bonus Points per $1 spent on fitness club and gym memberships
1 Bonus Point per $1 spent on all other purchases.
Up to $100 in Hyatt statement credits — spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
Member FDIC

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Rewards: Rate
Hyatt hotels: 4x

Travel insurance: Coverage
Trip Cancellation: $1,500
Trip Interruption: $1,500

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $60,000 · 31 days

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Pros

Welcome bonus of 70,000 points

Cons

High annual fee ($199)

Maximize Your Hyatt Rewards with the World of Hyatt Business Credit Card

70,000 bonus points after spending $7,000 in the first 3 months
Up to 9 points per $1 at Hyatt hotels: 4 bonus points + 5 base points as a World of Hyatt member
2 bonus points per $1 in your top three spend categories each quarter
2 bonus points per $1 on fitness club and gym memberships
1 bonus point per $1 on all other purchases
$199 annual fee

Perfect for business owners who frequent Hyatt properties, this card accelerates your journey to elite status with high-value points on hotel stays and everyday expenses. Track your progress and redeem effortlessly for free nights, room upgrades and more through Hyatt’s intuitive app and online portal.

Terms apply. Bonus offer and earn rates require qualifying purchases. See full terms and conditions for details.

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Complete Guide

Earn free nights, elite status, and hotel perks. Compare Marriott Brilliant, Hilton Aspire, World of Hyatt, and more.

Hotel credit cards earn points in a specific loyalty program and offer perks like free anniversary nights, automatic elite status, and room upgrades.

Top Picks

The World of Hyatt card ($95/yr) is the best value with a free night at Category 1-4 properties. The Marriott Bonvoy Brilliant ($650/yr) includes a 85K free night cert and Platinum Elite. The Hilton Aspire ($550/yr) offers Diamond status and a free weekend night.

Points Value Comparison

Hyatt points: ~2.0 cpp. Hilton points: ~0.5 cpp. Marriott points: ~0.8 cpp. IHG points: ~0.5 cpp. Hyatt delivers the most per point but has fewer properties.

Cards analyzed

Sep 2026

Last updated

100%

Independent

Our Methodology

Every card is evaluated across 100+ criteria. We calculate first-year value by combining the welcome bonus, estimated rewards on typical American spending patterns, and subtracting the annual fee. This objective score determines our ranking.

📊Real data

🔄Updated regularly

⚖️Unbiased review

🎯Transparent criteria

FAQ

Frequently Asked Questions

1Which hotel card has the best free night?

The World of Hyatt card ($95/yr) offers a free night at Category 1-4 properties, worth up to $300+. Best value-to-fee ratio of any hotel card.

2Marriott vs Hilton vs Hyatt?

Hyatt: best value per point, fewer properties. Marriott: most premium properties worldwide. Hilton: easiest to earn status and points, most locations.

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