Best Hotel Credit Cards in the US

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IHG One Rewards Premier Select Credit Card

ChaseIHG Rewards

Why consider it: For frequent IHG guests using an anniversary night, Platinum status, and a fourth reward night on eligible stays.

Trade-off: The anniversary certificate has a points ceiling and expiry; a second annual night requires qualifying spending. Benefits you actually use must justify the annual fee.

Annual fee: $350
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,260Total$1,260Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,260
Welcome offerUp to 210,000 bonus points in total: 200,000 after $5,000 in eligible purchases in the first 3 months from account opening, plus 10,000 after adding the first authorized user within those same first 3 months. The 10,000-point addition is awarded once and is included in the maximum.: Up to 210,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $350/yr
Min. annual income: —

Interest rates
Purchases: 19.49 %
Foreign transaction fee: 0 %

Issuer terms

Up to 210,000 bonus points in total: 200,000 after $5,000 in eligible purchases in the first 3 months from account opening, plus 10,000 after adding the first authorized user within those same first 3 months. The 10,000-point addition is awarded once and is included in the maximum.
Earn 12 points per $1 at IHG Hotels & Resorts (up to 28 total points per $1 with your IHG One Rewards member and elite earnings).
Earn 6 points per $1 on dining and other travel, including rideshare. Earn 3 points per $1 on all other purchases.
Anniversary Free Night each year (redemption cap of 60,000 points), plus a second Free Night after $40,000 in purchases in a calendar year.
Automatic Platinum Elite status and 20 Elite Night Credits each year; Diamond Elite status after $25,000 in purchases in a calendar year.
A $200 airline statement credit per calendar year requires one eligible purchase of at least $250 in flight tickets booked directly with the airline, under the offer through December 31, 2027. IHG Food & Beverage Reward vouchers of up to $75 are issued each calendar quarter and expire at that quarter’s end; each is single use and unused value is lost. Eligible hotel-room-bill charges only. Global Entry, TSA PreCheck or NEXUS reimbursement is up to $120 every four years, subject to eligible application-fee purchases.
$350 annual fee. No foreign transaction fees.

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Rewards: Rate
IHG hotels: 12x
Eligible IHG hotel purchases — card points only: 12x
Restaurants: 6x
Travel: 6x
Transit: 6x

Benefits
NEXUS: $120

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Pros

Welcome bonus of 210,000 points
3x on groceries
6x at restaurants

Cons

High annual fee ($350)

The top tier of Chase's IHG lineup

Launched in October 2026, the IHG One Rewards Premier Select Credit Card carries a $350 annual fee and a welcome offer of Up to 210,000 bonus points in total: 200,000 after $5,000 in eligible purchases in the first 3 months, plus 10,000 after adding the first authorized user within those same first 3 months. The extra 10,000 is included in this maximum.

It earns 12 points per $1 at IHG Hotels & Resorts (up to 28 points per $1 in total), 6 points per $1 on dining and other travel, and 3 points per $1 everywhere else.

Automatic Platinum Elite status and 20 Elite Night Credits a year
Anniversary Free Night worth up to 60,000 points, and a second one after $40,000 in annual spend
Up to $75 a quarter in IHG Food & Beverage Rewards and a $200 airline credit…

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IHG One Rewards Business Credit Card

BusinessChaseIHG Rewards

Why consider it: Business card. For business travelers using IHG hotels who can put the anniversary night and status benefits to work.

Trade-off: Check certificate limits and business eligibility; hotel loyalty is less useful when work dictates another chain. Benefits you actually use must justify the annual fee. An eligible business activity is required.

Annual fee: $200
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,200Total$1,200Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,200
Welcome offerUp to 200,000 bonus points in total: 190,000 after $5,000 in eligible purchases in the first 3 months from account opening, plus 10,000 after adding the first employee card within those same first 3 months. The 10,000-point addition is awarded once and is included in the maximum.: Up to 200,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $200/yr
Min. annual income: —

Interest rates
Purchases: 19.49 %
Foreign transaction fee: 0 %

Issuer terms

Up to 200,000 bonus points in total: 190,000 after $5,000 in eligible purchases in the first 3 months from account opening, plus 10,000 after adding the first employee card within those same first 3 months. The 10,000-point addition is awarded once and is included in the maximum.
Enjoy an Anniversary Free Night (redemption cap of 50,000 points) at IHG Hotels & Resorts, plus a second Free Night after $60,000 in purchases in a calendar year. Fourth reward night free on consecutive four-night award stays.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
Earn 10 points per $1 from the card on eligible IHG purchases, plus up to 16 from eligible IHG membership and Platinum status earnings for up to 26 total; some brands earn less. Earn 5 points per $1 on dining, eligible search/social advertising and gas stations. Travel and office-supply-store purchases earn 5 through December 31, 2026; from January 1, 2027, only directly purchased airline tickets and car-rental agencies retain the travel accelerator, while other travel and office supplies earn 3. All other purchases earn 3 points per $1. The issuer posting date, including merchant delays, determines eligibility. The calculator uses only card points and weights the remaining promotional days over twelve months from its reference date. Enter direct airline/car-rental and IHG hotel purchases separately and count each purchase once.
Automatic Platinum Elite status, plus 15 Elite Night Credits each year; Diamond Elite status after $50,000 in purchases in a calendar year (from January 1, 2027)
A $100 airline statement credit per calendar year requires one eligible purchase of at least $250 in flight tickets booked directly with the airline, under the offer through December 31, 2027. Up to $100 in eligible Expensify credits per calendar year. IHG Food & Beverage Reward vouchers of up to $25 are issued each calendar quarter and expire at that quarter’s end; each is single use and unused value is lost. Eligible hotel-room-bill charges only. Global Entry, TSA PreCheck or NEXUS reimbursement is up to $120 every four years, subject to eligible application-fee purchases.
$200 annual fee. No foreign transaction fees.
Member FDIC

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Rewards: Rate
IHG hotels: 10x
Eligible IHG hotel purchases — card points only: 10x
Gas: 5x
Restaurants: 5x
Search-engine & social-media advertising: 5x
Airline tickets bought directly and car rentals: 5x

Benefits
NEXUS: $120

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Pros

Welcome bonus of 200,000 points
3x on groceries
5x at restaurants

Cons

High annual fee ($200)

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

Welcome offer: earn Up to 200,000 bonus points in total: 190,000 after $5,000 in eligible purchases in the first 3 months, plus 10,000 after adding the first employee card within those same first 3 months. The extra 10,000 is included in this maximum.

The IHG One Rewards Business Credit Card (formerly Premier Business) carries a $200 annual fee. Its anniversary free night (up to 50,000 points) can outvalue that fee on its own. Plus, you’ll enjoy:

Automatic IHG Platinum Elite status and 15 Elite Night Credits a year
Fourth night free on award redemptions
$100 airline credit and Global Entry/TSA PreCheck^®/NEXUS credit up to $120 every 4 years…

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World of Hyatt Business Credit Card

BusinessChaseWorld of Hyatt

Why consider it: Business card. For a Hyatt-focused business that can use hotel credits and spending-based progress toward elite status.

Trade-off: Compare its credits and spending thresholds with the personal Hyatt card; the benefit packages differ. Benefits you actually use must justify the annual fee. An eligible business activity is required.

Annual fee: $199
Our valuationMilesopedia 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.: $1,155
Welcome offerEarn 70,000 bonus points after $7,000 in eligible purchases within the first 3 months from account opening. Issuer eligibility rules apply.: 70,000 points

Features
Issuer: Chase
Network
Program: World of Hyatt

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

Interest rates
Purchases: 19.49 %
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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IHG® One Rewards Premier Credit Card

ChaseIHG Rewards

Why consider it: For regular IHG guests who can use the anniversary night, status benefits, and award-stay savings.

Trade-off: The anniversary certificate has a points allowance and expiry; compare eligible properties with your destinations. Benefits you actually use must justify the annual fee.

Annual fee: $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,140Total$1,140Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,140
Welcome offerEarn up to 190,000 IHG One Rewards bonus points: 180,000 after $3,000 in eligible purchases in the first 3 months, plus 10,000 after adding the first authorized user in the first 3 months. The authorized-user bonus is awarded once.: Up to 190,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

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

Interest rates
Purchases: 19.49 %
Foreign transaction fee: 0 %

Issuer terms

Earn up to 190,000 IHG One Rewards bonus points: 180,000 after $3,000 in eligible purchases in the first 3 months, plus 10,000 after adding the first authorized user in the first 3 months. The authorized-user bonus is awarded once.
Enjoy an Anniversary Free Night (redemption cap of 50,000 points) 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 24 total points per $1 on eligible IHG stays: 10 from the card, up to 10 from membership and up to 4 from Gold Elite status. Totals vary by brand and eligibility. The calculator includes only the card’s 10 points, not programme or status points.
Earn 5 points per $1 on dining, grocery stores and gas stations. Travel purchases posted through December 31, 2026 also earn 5; after that date, only airline tickets bought directly and car-rental agencies retain 5, while other travel earns 3. All other purchases earn 3 points per $1. Merchant posting delays can change eligibility. The calculator weights the remaining promotional days over twelve months from its reference date, then uses ongoing rates. Variable purchase APR: 19.49%–27.99%; $150 annual fee and no foreign transaction fees. Source checked October 26, 2026: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier
Automatic Gold Elite status as long as you remain a Premier cardmember; Platinum Elite status after $15,000 in purchases in a calendar year. The $15,000 eligible calendar-year threshold also earns 5 Elite Night Credits and 15,000 bonus points; $40,000 in eligible calendar-year purchases can qualify for Diamond Elite status. These annual-spend points are separate from the welcome offer and are not added to the calculator estimate.
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
IHG hotels: 10x
Eligible IHG hotel purchases — card points only: 10x
Groceries: 5x
Gas: 5x
Restaurants: 5x
Airline tickets bought directly and car rentals: 5x

Benefits
NEXUS: $120

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Pros

Welcome bonus of 190,000 points
5x on groceries
5x at restaurants

Cons

Fewer premium perks

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

Welcome offer: earn 180,000 Bonus Points with the IHG One Rewards Premier Credit Card after $3,000 in eligible purchases in the first 3 months, plus 10,000 points after adding the first authorized user in the first 3 months, for up to 190,000 points in total. The authorized-user bonus is awarded once.

The IHG One Rewards Premier Credit Card is most relevant to travelers who can use its anniversary free night certificate (up to 50,000 points before any permitted points top-up). Redeem it and complete the stay within 12 months of issue; availability and additional charges can affect its value. Compare the stay you would actually book with the annual fee. Other benefits include:

Automatic IHG Gold Elite status, and Platinum Elite after $15,000 in purchases in a calendar year
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 Aspire Card

Amex Hilton Honors

Why consider it: For frequent Hilton stays where Diamond status, a free-night reward, and eligible resort credits are useful.

Trade-off: Resort credits apply to eligible properties and periods; the free night still needs availability and an eligible hotel. Benefits you actually use must justify the annual fee.

Annual fee: $550
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,000
Welcome offerAfter $6,000 in purchases on the Card within your first 6 months of Card Membership. Limited-time offer ends January 13, 2027. Offer eligibility requirements apply.: 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
Hilton hotels: 14x
Eligible direct Hilton hotel purchases — card points only: 14x
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

200,000 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 with space-available room upgrades and premium Wi-Fi at participating properties. MyWay food benefits vary: a daily food-and-beverage credit at select U.S. brands and Motto globally, or continental breakfast at select brands outside the U.S. excluding Motto. Gold/Diamond guests receiving Executive Lounge breakfast do not also receive the daily credit.
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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World of Hyatt Credit Card

ChaseWorld of Hyatt

Why consider it: For Hyatt guests who can use an anniversary night and build qualifying nights toward hotel status.

Trade-off: The anniversary certificate is category-limited; Hyatt’s footprint must match the places you actually visit. Benefits you actually use must justify the annual fee.

Annual fee: $95
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $990
Welcome offerAfter $3,000 in 3 months: Up to 60,000 points

Features
Issuer: Chase
Network
Program: World of Hyatt

Fees and terms
Annual Fee: $95/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Member FDIC

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Rewards: Rate
Restaurants: 2x
Transit: 2x

Benefits
Concierge: Included

Travel insurance: Coverage
Trip Cancellation: $5,000
Trip Interruption: $5,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: $500 · 120 days
Extended Warranty: +1 year
Auto Rental Collision (secondary, primary abroad): $60,000 · 31 days

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Pros

Welcome bonus of 60,000 points
2x at restaurants

Cons

Fewer premium perks

Accelerate Your Hyatt Journeys with the World of Hyatt Credit Card

Up to 60,000 bonus points — 30,000 after spending $3,000 in the first 3 months, plus up to 30,000 more 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.

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IHG One Rewards Credit Card

ChaseIHG Rewards

Why consider it: For earning IHG points on occasional stays without choosing the premium IHG tier. No annual fee.

Trade-off: Compare the annual-night benefits of paid IHG cards; earning hotel points does not guarantee an available room.

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$810Total$810Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $810
Welcome offerEarn up to 135,000 IHG One Rewards bonus points: 125,000 after $2,000 in eligible purchases in the first 3 months, plus 10,000 after adding the first authorized user in the first 3 months. The authorized-user bonus is awarded once.: Up to 135,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

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

Interest rates
Purchases: 19.49 %
Foreign transaction fee: 0 %

Issuer terms

Earn up to 135,000 IHG One Rewards bonus points: 125,000 after $2,000 in eligible purchases in the first 3 months, plus 10,000 after adding the first authorized user in the first 3 months. The authorized-user bonus is awarded once.
No Annual Fee
Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
Earn 3 points per $1 on groceries, gas stations and dining; earn 2 on other purchases. Eligible utilities, internet, cable, phone and select streaming purchases posted through December 31, 2026 earn 3, then 2. Merchant posting delays can affect eligibility. Enter those eligible services separately in the calculator, which weights only the remaining promotional days over twelve months; general bills stay at 2.
No Foreign Transaction Fees
Every fourth night costs no points on eligible standard-room reward stays of at least four consecutive nights at the same property, subject to availability; paid and Points & Cash stays are excluded. From January 1, 2027, $5,000 in eligible calendar-year purchases is required. Once qualified, the benefit lasts through that year and the following calendar year; allow 6–8 weeks for activation.
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
IHG hotels: 5x
Eligible IHG hotel purchases — card points only: 5x
Groceries: 3x
Gas: 3x
Restaurants: 3x

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Pros

No annual fee
Welcome bonus of 135,000 points
3x on groceries
3x at restaurants

Cons

Fewer premium perks

Maximize Your Stays with the IHG One Rewards Credit Card

125,000 bonus points after $2,000 in eligible purchases in the first 3 months, plus 10,000 points after adding the first authorized user in the first 3 months, for up to 135,000 points in total. The authorized-user bonus is awarded once.
Up to 17x points per $1 on eligible IHG stays: 5 from the card, plus up to 12 from membership and Silver status; totals vary by brand
3x points on groceries, gas and dining; eligible utilities, internet, cable, phone and select streaming also earn 3 until December 31, 2026, then 2
2x points on all other purchases
No annual fee and no foreign transaction fees
4th night free on eligible standard-room award stays of at least four consecutive nights at the same hotel; from 2027, $5,000 in calendar-year purchases is required

This no-annual-fee card is most useful if you redeem points for eligible IHG stays. Separate its 5 card points per $1 at qualifying IHG hotels from the membership and status points included in the advertised maximum of 17. The services promotion ends on December 31, 2026; it does not cover every monthly bill. Automatic Silver Elite status is included; $15,000 in eligible calendar-year purchases can earn Gold Elite status and 10,000 bonus points under the issuer’s terms. The annual-spend award is separate from the welcome offer and is not added to the calculator’s estimate.

Offer eligibility, required spending, hotel availability and issuer terms apply. A no-annual-fee card can still charge interest and other fees. Variable purchase APR: 19.49%–27.99%; no foreign transaction fees. Source checked October 26, 2026: https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/traveler

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Marriott Bonvoy Business® American Express® Card

Business Amex Marriott Bonvoy

Why consider it: Business card. For Marriott business stays where the annual free-night award and elite-night credits will be used.

Trade-off: Certificate limits and booking availability apply; compare business eligibility and benefits with the personal cards. Benefits you actually use must justify the annual fee. An eligible business activity is required.

Annual fee: $125
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$750Total$750Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $750
Welcome offer+ 1 Free Night Award (up to 50,000 points)Earn 100,000 Marriott Bonvoy bonus points and 1 Free Night Award with a redemption level up to 50,000 points after $8,000 in eligible purchases in the first 6 months. Resort fees and terms apply. Offer ends November 4, 2026.: 100,000 points; Ends Nov 4, 2026

Features
Issuer: Amex
Network
Program: Marriott Bonvoy

Fees and terms
Annual Fee: $125/yr
Min. annual income: —

Issuer terms

Earn 100,000 Marriott Bonvoy bonus points and 1 Free Night Award with a redemption level up to 50,000 points after $8,000 in eligible purchases in the first 6 months. Resort fees and terms apply. Offer ends November 4, 2026.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy^® member & a Marriott Bonvoy Business^® American Express^® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy^® program.
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 points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business^® American Express^® Card.
Terms apply.

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Rewards: Rate
Marriott Bonvoy hotels: 6x
Gas: 4x
Telecom: 4x

Benefits
Travel Wi-Fi: Included

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 100,000 points
2x on groceries
2x at restaurants

Cons

Fewer premium perks

Boost Your Business Travel with the Marriott Bonvoy Business^® American Express^® Card – Limited-Time Offer!

Earn 100,000 Marriott Bonvoy bonus points and 1 Free Night Award with a redemption level up to 50,000 points after $8,000 in eligible purchases in the first 6 months. Resort fees and terms apply. Offer ends November 4, 2026.

Here’s why this card is a must-have for business travelers:

Big Rewards: Earn 6x points at participating Marriott Bonvoy^® hotels, 4x points at restaurants worldwide, U.S. gas stations, on U.S. wireless telephone services, and on U.S. shipping purchases, and 2x points on all other spending.
Save on Stays: Enjoy a 7% discount on eligible bookings at participating properties when you book directly with Marriott.
Valuable Free Nights: Get one Free Night Award every year after your card renewal month, plus another after spending $60,000 annually (redemption level up to 35,000 points; resort fees may apply).
Gold Elite Status: Enjoy automatic Gold Elite status with perks like bonus points on stays, late checkout, and room upgrades…

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Hilton Honors Business Card

Business Amex Hilton Honors

Why consider it: Business card. For businesses booking Hilton stays and using Gold status plus eligible Hilton purchase credits.

Trade-off: Credits follow calendar periods and purchase rules; compare the business spending pattern with the annual fee. An eligible business activity is required.

Annual fee: $195
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$750Total$750Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $750
Welcome offer+ Free Night RewardAfter $8,000 in eligible purchases on your Card within your first 6 months of Card Membership. The same offer also includes a Free Night Reward. Limited-time offer ends January 13, 2027. Offer eligibility requirements apply.: 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 the first $100,000 of eligible non-Hilton purchases per calendar year, then 3X. Eligible direct Hilton purchases earn 12X, do not consume that $100,000 allowance and retain their 12X rate after it is reached.
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
Eligible direct Hilton hotel purchases — card points only: 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

150,000 bonus points + a Free Night Reward after $8,000 in eligible purchases within the first 6 months (offer ends 1/13/27)
12X points per $1 on eligible purchases made directly with hotels and resorts in the Hilton portfolio
5X points per eligible dollar on non-Hilton purchases, up to $100,000 per calendar year, then 3X. Eligible direct Hilton purchases remain at 12X and are excluded from this allowance.
Up to $60 in statement credits each quarter (up to $240 a year) on purchases made directly with a property in the Hilton portfolio
Complimentary Hilton Honors Gold status, with an upgrade to Diamond after $40,000 in eligible purchases in a calendar year
$195 annual fee
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 or room upgrades, and use the quarterly Hilton credits and Gold status to get more out of every stay.

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

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Compare

Marriott Bonvoy Brilliant™ American Express® Card

Amex Marriott Bonvoy

Why consider it: For regular Marriott guests who will use Platinum status, the annual free-night award, and dining credits.

Trade-off: The certificate has a points ceiling and expiry; monthly dining credits cannot be valued as unrestricted cash. Benefits you actually use must justify the annual fee.

Annual fee: $650
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$750Total$750Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $750
Welcome offerAfter you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Offer eligibility requirements apply.: 100,000 points

Features
Issuer: Amex
Network
Program: Marriott Bonvoy

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

Issuer terms

Earn 100,000 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

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Pros

Welcome bonus of 100,000 points
2x on groceries
3x at restaurants

Cons

High annual fee ($650)

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

Earn 100,000 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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Complete Guide

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

Choose a hotel program you can use where you travel. A free-night benefit can have a points cap, an expiry date, and availability restrictions.

Cards listed

Oct 2026

Last updated

USD

Currency

Our Methodology

Cards closed to new applicants and code-only offers whose terms cannot be verified are excluded. Only cards matching a category can be curated or sponsored on its page. A configured editorial selection replaces the calculated list. Otherwise, category cards are ordered by monthly selection, then first-year welcome-bonus cash value, then lower annual fees. Unknown values follow known values. Sponsored, exclusive, and featured placements then move first, in that order, with labels identifying them. Position is therefore not a universal quality score. The hub shows the first 5 cards from each list. Interest, eligibility, and your own use can change which card suits you.

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🔄Updated regularly

⚖️Unbiased review

🎯Transparent criteria

FAQ

Frequently Asked Questions

1Which card should I choose from this table?

Start with your spending and eligibility. Read each card’s reason and trade-off, then compare its fees and terms. First position does not guarantee the best fit for your situation.

2How is the order determined?

3Are business cards suitable for everyone?

No. They require eligible business activity and may carry a personal guarantee. A large welcome offer does not make a business card suitable for personal spending.

4Where should I verify offers and benefits?

The table and card details read the site’s catalogue. Also check current issuer terms before applying: welcome offers, required spending, and lounge-access rules can change.

5Does a no-fee card guarantee savings?

No. Interest and other charges can outweigh rewards. Compare the full cost and, when possible, pay your statement balance in full.

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Best Hotel Credit Cards in the US - October 2026

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