Hotel Credit Card Rewards

Hotel Points Calculators
Calculate how many hotel rewards points you can earn and the cash value of hotel rewards cards based on spend, card benefits, and annual fees. There's also calculators for calculating the cash value of hotel points based on redemption and the transfer of rewards to and from hotel loyalty programs.

Hotel credit card rewards are the best option if you're looking to maximize your rewards with a specific hotel chain. These rewards are typically best used for free and discounted nights.

Most hotel credit cards also grant special benefits when staying at brands of the hotel. This includes benefits such as an annual free night, complimentary elite status, late check-out, bonus points, and much more.

Unfortunately, there's not many co-branded hotel credit cards available in Canada. So when it comes to earning hotel rewards points, you'll mostly be earning them through stays booked directly at hotels.

Best Hotel Rewards Credit Cards

If you're looking to earn hotel rewards points via credit card spend, you only have a handful of options available and only a few hotel loyalty programs to work with.

Points can be earned directly with both Marriott and Best Western using their co-branded credit cards. You can also earn points with Marriott and Hilton via point transfers using the American Express Membership Rewards program.

Outside of that, your best option will be picking up travel rewards credit cards that earn a good return on hotel spend.

Best For Point Transfers To Marriott & Hilton
Best For Earning Cash Back On Hotel Spend

Marriott Bonvoy

Marriott offers two American Express credit cards in Canada consisting of one personal card and one business card.

These cards offer the highest amount of points you can earn when it comes to spending at Marriott properties. Both cards also offer an annual free night which can typically be redeemed for significantly more value than the annual fee of the cards.

If you enjoy staying at Marriott brand hotels, you'll want to consider having at least one of their co-branded credit cards.

Best Entry Level Card For Marriott

Marriott Bonvoy™ American Express® Card
Marriott Bonvoy™ American Express® Card
Intro Bonus
View Issuer's Website
Rewards Rate
5X
Earn 5X points on eligible purchases at participating Marriott properties & online shops
2X
Earn 2X points on all other eligible purchases.
Main Card Highlights
  • Enjoy an Annual Free Night Award after your Card anniversary each year.
  • When you use your Marriott Bonvoy™ American Express® Card at participating Marriott Bonvoy properties, you earn 5 points for every $1 spent, plus the points you already earn as a Marriott Bonvoy member
  • Upgrade to Gold Elite status after you stay 10 nights within one calendar year or charge $30,000 in purchases to your Card each year.
  • Enjoy 15 Elite Night Credits each calendar year to use towards attaining the next level of Elite status with your Marriott Bonvoy™ American Express® Card.
  • Road trip or flight, you're can be protected with benefits such as Flight Delay Insurance, Baggage Delay Insurance, and Car Rental Theft and Damage Insurance.
Annual Fee
$120
Authorized User Fee
$0
Foreign Transaction Fee
2.5%
Best For Marriott Business Travelers
Best For Restaurant & Grocery Spend
Best For Lounge Access & Luxury Benefits
View redemption options and calculate cash value

Best Western Rewards

Best Western offers one MBNA credit card for anyone looking to maximize their Best Western Rewards Points. Along with a good earning rate, the card offers complimentary elite status which can earn you bonus points amongst several other benefits.

Best For Best Western Travelers
View redemption options and calculate cash value

Point Transfers To Hotel Loyalty Programs

If you're based in Canada and you're looking to build up your balance of hotel rewards points, there's not many options available. Outside of the few cards that Marriott and Best Western offers, your only other option for earning hotel rewards points through credit card spend is by using the American Express Membership Rewards program.

American Express Membership Rewards

The American Express Membership Rewards is available in many countries which is why it's one of the most popular programs worldwide. It is the best flexible rewards program available in Canada if you're looking to build rewards redeemable towards travel.

Points earned in the American Express Membership Rewards Program can be transferred to the programs in the table listed below.

American Express Membership Rewards Transfer Partners
Partner Ratio
Marriott Bonvoy 5:6
Hilton Honors 1:1
Air Canada Aeroplan 1:1
Alitalia MilleMiglia 5:4
British Airways Executive Club 1:1
Cathay Pacific Asia Miles 5:4
Delta Air Lines SkyMiles 5:4
Etihad Guest 5:4

American Express Cobalt Card

The American Express Cobalt™ Card is one of the best credit cards in Canada due to it's high earning rates on grocery and dining spend along with the ability to transfer points to a handful of airline and hotel partners.

American Express Cobalt™ Card
American Express Cobalt™ Card
Intro Bonus
View Issuer's Website
Rewards Rate
5X
Earn 5X points at restaurants and grocery stores including food delivery.
2X
Earn 2X points on gas, travel, and transit.
1X
Earn 1X points on everything else.
Main Card Highlights
  • With your American Express Cobalt Card you can redeem your points towards whatever eligible Card purchases you want – your options are anything but limited
  • Cobalt Cardmembers receive regular Perks, including bonus rewards and access to great events.
  • Enjoy benefits at over 600 participating hotels and resorts in over 30 countries with The Hotel Collection
  • Road trip or flight, you may be protected when you book travel with your Card.
Annual Fee
$12.99 per month
Authorized User Fee
$0
Foreign Transaction Fee
2.5%

The Platinum Card® & Business Platinum Card® from American Express

The Platinum Card and Business Platinum Card are both stacked to the brim with benefits, but they are mostly known for the American Express Global Lounge Collection which grants you access to:

  • Centurion Lounges
  • International American Express Lounges
  • Plaza Premium Lounges
  • Delta Sky Club Lounges (when flying Delta)
  • Airspace Lounges
  • Escape Lounges
  • Priority Pass Lounges
  • Executive Lounges by Swissport
  • QuĂ©bec City’s Jean Lesage International Airport VIP Lounge

On top of that, the hotel benefits are pretty great as well as you'll receive complimentary elite status with several chains when holding either card:

  • Hilton Honors Gold
  • Marriott Bonvoy Gold
  • Shangri-La Golden Circle Jade
  • Radisson Rewards Gold

If you're looking for the ultimate luxury travel card, The Platinum Card and Business Platinum Card are worth having.

The Platinum Card®
The Platinum Card®
Intro Bonus
View Issuer's Website
Rewards Rate
3X
Earn 3X points on eligible dining and takeout purchases
2X
Earn 2X points on travel including flights, hotels, tours, and more
1X
Earn 1X points on everything else
Main Card Highlights
  • With Fine Hotels + Resorts, Platinum Cardmembers can receive benefits such as guaranteed 4:00 p.m. late check-out, complimentary daily breakfast for two and other benefits at over 1,100 iconic properties worldwide.
  • With Hotel Status Benefit, you'll be fast-tracked to the higher tiers of leading hotel loyalty programs around the world without having to fulfill the usual qualifying criteria, such as numerous night stays each year.
  • Benefits at Toronto Pearson International Airport
  • Platinum Concierge offers you complimentary assistance, anytime, day or night, wherever you are.
  • Redeem points for statement credits, travel, gift cards, and more.
Annual Fee
$699
Authorized User Fee
$175 annual fee for each Additional Platinum Card, $50 annual fee for each Additional Gold Card
Foreign Transaction Fee
2.5%
Business Platinum Card® from American Express
Business Platinum Card® from American Express
Intro Bonus
View Issuer's Website
Rewards Rate
1.25X
Earn 1.25X points for every $1 in Card purchases.
Main Card Highlights
  • From regular business expenses to travel, earn 1.25 points for every $1 in Card purchases.
  • Benefit from up to 55 interest-free days so you can keep more cash on hand when you need it most.
  • Settle in before takeoff at over 1,200 airport lounges across 130 countries and counting with the American Express Global Lounge Collection
  • Road trip or flight, you could be protected when you book travel with your Card which includes Out of Province/Country Emergency Medical Insurance, Trip Cancellation and Trip Interruption Insurance, Car Rental Theft and Damage Insurance, and much more.
Annual Fee
$499
Authorized User Fee
$199 annually for Business Platinum Cards, $50 annually for Business Gold Cards
Foreign Transaction Fee
2.5%

All Hotel Rewards Calculators

Calculate rewards points for hotel rewards programs including points earned with credit cards, point transfers, and the cash value of points based on redemption.

Calculate Hotel Credit Card Rewards

Calculate which credit cards will earn you the most rewards and best return based on your spend when it comes to hotel redemptions.

Results will consist of both hotel and travel rewards credit cards and will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Income Requirements

Some credit cards require certain income requirements to be met either based on your individual income or the income of the entire household. You can set a max income to limit which cards are listed in the result. Cards that require an income limit over the amount selected will not be included in the results.
Income Type
Income Maximum

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option.

If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such.

Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations.

When set to zero (0), they will calculate based on The Point Calculator's valuations. Any non-zero value you enter will be used in the calculations.

You can click on the to learn more about the value of the currency when applicable (opens in a new tab/window). Depending on the calculations, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
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