Best hotel credit cards of 2024: Editorial reviews
Flexible Hotel Rewards Cards: Best Overall
The Chase Sapphire Preferred® Card is one of our favorite travel credit cards overall due to its high rewards rate and low annual fee, and we love how it shines on the hotel-rewards front as well. All points earned on this card are through Chase Ultimate Rewards and can be redeemed at 1.25 cents per point towards hotels booked through the Chase Travel portal. Points can also be transferred to select hotel partners at a 1:1 rate.
Chase Sapphire Preferred review
Hotel-Branded Cards: Best for IHG Loyalists
For IHG Loyalists, the IHG One Rewards Premier Credit Card is a no-brainer. It lets you earn up to 26 points per dollar spent at IHG Hotels & Resorts and gives complimentary Platinum Elite status to boost your rewards even further. On top of that, cardholders can take advantage of an annual free night reward at IHG Hotels & Resorts and get a free night when redeeming points for a consecutive 4-night stay.
Flexible Hotel Rewards Cards: Best for Premium Flexible Rewards
The Chase Sapphire Reserve® card, although it has a hefty $550 annual fee, also has many hotel-related benefits. It gives cardholders a $300 annual travel credit as reimbursement for travel purchases each year and after you use that $300 credit, you can earn 10X points on hotels purchased through Chase Travel℠. For the frequent traveler, this card can reward you incredibly well.
Chase Sapphire Reserve review
Hotel-Branded Cards: Best for Hilton Loyalists
The Hilton Honors American Express Surpass® Card is Hilton’s mid-tier hotel card, with a moderate $150 annual fee and a high rewards earning potential. Cardholders can benefit from complimentary Gold status, 12X points per dollar on eligible Hilton purchases, up to $50 quarterly in statement credits for eligible purchases, and the ability to earn a free night after spending a set amount each year. For the Hilton loyalist, this card has tremendous value.
Hilton Honors Surpass review
Hotel-Branded Cards: Best for Hilton – No Annual Fee
Not many hotel cards offer generous rewards for no annual fee, but the Hilton Honors American Express Card does just that. It may not be as high-earning as some other cards that charge a fee, but it’s a good option for travelers who like to stay at Hilton and don’t travel enough to make a higher-end card worth it.
American Express Hilton Honors review
Hotel-Branded Cards: Best for Marriott Loyalists
The Marriott Bonvoy Brilliant® American Express® Card is Marriott’s most high-end card and it has a high annual fee to boot. For the loyal Marriott customer who can make the most of its benefits, however, it can be well worth the $650 per year. In addition to its generous rewards rate, this card boasts premium airport lounge access, complimentary Platinum Elite status, an annual Free Night Award, and more.
Marriott Bonvoy Brilliant review
Hotel-Branded Cards: Best for Hyatt – Business
For business travelers who frequently stay at Hyatt hotels, the World of Hyatt Business Credit Card can reward you and your employees well. With complimentary Discoverist status that you can share with up to 5 employees and up to 9X points per dollar on Hyatt purchases, you can earn points quickly with this card. For high-spending businesses, you can upgrade to the next tier of elite status by spending $60,000 on your card within the calendar year, which entitles you to additional perks.
More info on upgrading your Hyatt Elite status with the World of Hyatt Business Credit Card: Earn 5 tier-qualifying nights for each $10,000 spent; it takes 30 tier-qualifying nights to upgrade to “Explorist” status and 60 tier-qualifying nights to reach “Globalist” status. That’s $60,000 to earn Explorist and $120,000 to earn Globalist status.
Flexible Hotel Rewards Cards: Best for Luxury Perks
Don’t let the $695 annual fee of The Platinum Card® from American Express catch you too far off guard, as it has plenty of luxury benefits to make up for it. First off, it has automatic complimentary Marriott Gold and Hilton Gold status when you enroll. On top of that, you can earn generous rewards on hotels booked through the Amex Travel portal and can take advantage of spectacular hotel-related annual statement credits.
Amex Platinum Card review
Flexible Hotel Rewards Cards: Best for Simple Earning & Redemption
The Capital One Venture Rewards Credit Card offers generous, easy-to-earn rewards on all purchases and upgraded rewards on hotels (and other travel) booked through Capital One Travel. We love the simplicity of this card, especially for people who don’t want to keep track of bonus categories.
Capital One Venture Rewards Credit Card review
What is a hotel credit card?
A hotel credit card is a travel credit card that earns points with a hotel chain, like Hilton or Marriott. If you’re loyal to one hotel brand, a co-branded hotel credit card can reward you for remaining loyal, with perks like free night rewards, elite status, and more.
How do hotel credit cards work?
Hotel credit cards allow you to earn points and rewards, but how much you can earn depends on the hotel’s rewards policy and the type of card you carry. Every dollar you spend can earn you points, and these points add up in your card’s hotel loyalty account. You can redeem these points toward hotel-specific perks through the hotel rewards program.
How do hotel rewards programs work?
Hotel rewards programs are a kind of loyalty program offered by a specific hotel or chain. When you earn points with your hotel credit card, you can redeem these points toward perks like room upgrades, free nights, and even credits to use toward the in-room minibar. These available perks vary based on the loyalty program you’re with.
How much are hotel points worth?
Hotel points can be redeemed at around 1 cent per point, but it varies based on the hotel’s loyalty program.
Here’s how much hotel points are estimated to be worth with some of the most popular loyalty programs:
Rewards Program |
Estimated Point Value |
Estimated Value of 20k Points |
Hilton Honors |
0.6 cents per point |
$120 |
IHG One Rewards |
0.8 cents per point |
$160 |
Marriott Bonvoy |
0.8 cents per point |
$160 |
World of Hyatt |
2.4 cents per point |
$480 |
Wyndham Rewards |
1.1 cent per point |
$220 |
Benefits of using a hotel card
The benefits a hotel credit card offers can vary from card to card but these are some of the best perks you may be able to get:
Free night rewards
One of the most coveted benefits of a hotel credit card is the ability to earn free nights. Often, this perk rolls around yearly, around your cardmember anniversary. Some cards even offer extra free nights as a part of a new cardholder sign-up bonus after you spend a certain amount within a set time.
Best hotel credit cards with free night rewards
Elite status
Many hotel loyalty programs offer complimentary elite status to cardholders. Being an elite member can entitle you to a variety of perks such as room upgrades, bonus rewards on your hotel bookings, complimentary breakfast, free Wi-Fi, earlier check-in, late check-out, and more.
Best hotel credit cards with complimentary elite status
Other hotel credit card benefits
Some hotel credit cards may offer high-value benefits like airport lounge access, travel insurance, statement credits, free in-room wifi, free breakfast, and more.
How to redeem hotel rewards points for a free night
It’s usually a straightforward process to redeem hotel rewards points, and the process tends to be similar between different loyalty programs. Often, redeeming your points for hotel stays gives you the most “bang for your buck.”
Here’s an example of what the process to redeem points may look like:
- Log into your account on the hotel’s app or website
- Enter your travel details and select “reward nights,” “use points,” or something similar to see properties that will let you redeem points to book them.
- Click “select hotel” or something similar to see more information on what rooms they have available and their rates.
- Select the room you want to book and review the reservation details. If your points cover the entire stay, it should note that. If you need to pay additional to cover the rest, it should also note that.
- Book your free night!
How to maximize hotel rewards
Sign up for the hotel’s loyalty program
Most hotel credit cards automatically enroll you in their loyalty program, but not all. Make sure you’re signed up to earn extra points on top of what you already get from your card.
Book directly
Typically, you get the most rewards points from your hotel card for booking directly with the hotel chain or through your credit card issuer’s travel portal, rather than through a third-party service.
Make sure you can earn the sign-up bonus
These bonuses can be worth thousands of hotel points but require you to spend a certain amount in a set time. Plan accordingly when applying for a hotel credit card to ensure you can earn the bonus.
How to choose a hotel credit card
When choosing a hotel credit card, there are a few key factors you’ll want to consider:
Are hotel credit cards worth it?
Hotel credit cards can be well worth it if you have a certain brand of hotel that you prefer to remain loyal to. However, if you don’t, you may want to opt for a different type of travel credit card with a more flexible rewards system.
How we picked our top cards
We try to find cards that offer luxury perks like a free night each year, among other high-rated rewards. While not every card offers a free night, we’ve also considered other factors like fees, rewards, sign-up bonuses, redemption values, rewards structure, and more to find the best hotel credit cards available to you.
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