Best Hotel Credit Cards of 2019
If you're loyal to a specific hotel chain, you might have considered or even have a hotel co-branded credit card. Hotel credit cards usually grant perks such as bonus points, elite status, free nights, and much more. While most co-branded credit cards will usually be the best choice for most hotels, some cards will fall short and that's where you're better off with a rewards or cash back credit card. Some cards also aren't as good for the long term and may lose value the second year once the annual fee kicks in. I'll cover all of the major chains and give you my opinion on which cards are the best. I will also provide some alternative cards since some cards only have one co-branded card.
Best Credit Card For Best Western Hotels
The Best Western Premium Mastercard earns 10 Best Western Points per $1 spent at Best Western Hotels. Since you earn 10 base points for just being a Best Western Rewards member, this card doubles the amount of points you receive giving you an instant return of about 14% back per $1 spent. Add on elite status and you can earn up to a 17.5% return if you value Best Western Points at 0.7 cents each.
Best Credit Card For Choice Hotels
The Barclay Choice Privileges Card is the only card that earns Choice Points. It earns 5x Choice Points when used at Choice Hotels and when used to purchase Choice Gift Cards or Choice Points. It also has grants Choice Gold Status which will earn you an additional point more than a basic member. Choice Points are valued at about 0.6 cents each. This means the card will earn you a 3% return when used at Choice Hotels or 3.6% return if you count Choice Gold status. Spending $5,000 would earn you 25,000 Choice Points worth around $150 or around 1-3 free nights depending on the hotel brand.
If you're looking for additional Choice Points, Membership Rewards Points transfer to Choice at a 1 to 1 ratio and Amtrak Guest Rewards transfer to Choice at a 3 to 1 ratio.
Best Credit Card For Hilton Hotels
The Hilton Honors Aspire Card is going to come out ahead for anyone that's doing any real spending with Hilton. While it does have a $450 annual fee, it comes with a $250 airline fee credit and a $250 Hilton Resort Statement credit meaning you come out $50 ahead every year and that's not even close to all the benefits offered with the card. In addition to that, it grants it's highest status of Hilton Diamond meaning you will earn a total of 34 points per $1 spent when using this card for Hilton spending which is about a 20% return.
Best Credit Card For Hyatt Hotels
The Chase World of Hyatt Credit Card is the only co-branded card for Hyatt hotels. Since it earns 4 Hyatt Points per $1 spent at Hyatt and Hyatt Points are valued at 1.8 cents, you're looking at a return of 7.2% per $1 spent. You will also earn an additional half-a-point per $1 spent thanks to the complimentary Hyatt Discoverist Status this card offers. If you do any spending at Hyatt, this is the best card you can use.
Best Credit Card For IHG Hotels
The IHG Premier Card is the best card for anyone looking to earn IHG Points. It offers 10 IHG Points per $1 when used at IHG hotels and offers IHG Platinum Elite status for an additional 5 IHG Points over basic members. Bonus points, Global Entry/TSA PreCheck statement credit, and an annual free night is just some of the perks that comes with this card.
Best Credit Cards For Marriott Hotels
If you're looking strictly at value and you're spending more than $4,000 a year at Marriott Hotels, the Marriott Bonvoy Brilliant Card is going to come out ahead with a very slightly higher return due to the bump in status and the slightly more valuable free night it gets over the other cards. And this is not including the Global Entry/TSA PreCheck Credit which would give it an additional $100 more in value.
Since all of Marriott's credit cards offers the same 6 points per $1 spent at Marriott hotels, it's going to come down to what you're looking for in a card. If you're looking for a card to strictly earn Marriott Bonvoy Points then the Marriott Bonvoy Boundless Card would work best. Want to earn Marriott Points on other categories? The Marriott Bonvoy Business Card will do that for you.
Best Credit Cards For Radisson Hotels
The Radisson Rewards Premier Visa Signature Card is the only co-branded card worth looking at when it comes to the three cards they offer. The card earns 10 Radisson Rewards Points per $1 spent and offers Radisson Gold Status for an additional 5 points on top of the base rate. Since Radisson Rewards Points are valued at 0.4 cents, you're looking at a solid 4% return or 6% if you include the extra from Gold status.
- Radisson Rewards Point Calculator
- Radisson Rewards Premier Visa Signature Point & Card Value Calculator
Best Credit Cards For Wyndham Hotels
The Wyndham Rewards Card (Platinum) earns 5 Wyndham Rewards Points on both Wyndham and LaQuinta Inn hotel purchases, which is 2 points higher than the no annual fee version. It also offers annual point bonuses and Wyndham Platinum status.
Looking For The Best Credit Card?
If you're looking for a credit card that fits you're spending pattern, jump over to the Best Credit Card Search Tool to search for cards by spend, bonus category, name, and more. Learn how many points you can get with each credit card, the cash value of those points based on what they're used for, and the return you will get per $1 spent. You can compare any reward cards side-by-side or compare groups of cards side-by-side with the Credit Card Comparison Tool.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
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