Best Credit Cards For Hotel Spending

Get a list of the best credit cards for hotel spend based on your monthly or yearly spend. Compare top rewards cards and hotel credit cards side by side.
Last Updated: 2020-09-17

When it comes to hotel spending, the best returns will usually come from hotel credit cards which will earn you bonus hotel rewards points as well as grant additional benefits such as complimentary elite status, room upgrades breakfast, annual free night awards, complimentary breakfast, and much more.

Hotel Credit Cards

If you're loyal to a specific hotel chain, you'll want to check to see if they have a co-branded credit card. Hotel credit cards generally offer better returns than the top bank rewards credit cards.

Hilton offers the best line-up of credit cards when it comes to spend versus rewards. They offer a great return across multiple bonus categories along with complimentary Hilton Honors elite status ranging from Hilton Silver up to their highest of Hilton Diamond. If you enjoy staying at Hilton, picking up a Hilton credit card is a must.

Hyatt is another hotel loyalty program that offers great rewards. Hyatt Points are worth an average of 1.8 cents with the ability to get as high as 2 cents or more without much effort. The Chase Hyatt Credit Card offers a great return on Hyatt spend and grants an annual free night along with complimentary Hyatt Discoverist Status.

If you enjoy IHG Hotels, IHG is yet another great hotel chain that offers some pretty good rewards. The IHG Premier Card offers a wonderful 10x on IHG spend, comes with complimentary IHG Platinum Status, and a free night annually.

Several other hotel brands offer great returns as well including Marriott Hotels, Best Western, and Wyndham.

General Hotel Spend

If you're not loyal to any hotel brand, typically book hotels through online travel agencies (e.g. Expedia, Hotels.com), or you just want to earn other rewards, there's lots of non-hotel branded credit cards that earn on hotel and general travel spend.

On the Membership Rewards side of the fence, the American Express Green Card offers triple points on travel and dining purchases. It also offers annual credits for CLEAR and Lounge Buddy.

The Chase Ink Business Preferred is great option if you're looking to earn Ultimate Rewards Points on travel, internet, cable, Lyft, and several other categories. The Chase Sapphire Reserve is also a great option, but you'll want to make sure you spend enough between travel and dining to make up for the high annual fee of the card.

The Citi ThankYou Premier Card is another solid option for travel as you'll earn triple ThankYou Points. The card also earns on gas station, dining, and entertainment purchases which makes it great for travel overall.

Outside of credit cards with transferable points, you have the Wells Fargo Propel AMEX as a solid option that earns a great return on travel (including gas), dining, and streaming service purchases.

The best cash back option will be the Bank of America Cash Rewards Card or the Bank of America Business Advantage Cash Rewards.

Other Options

If you don't want to dabble in any of the cards listed above, you can always grab up a flat rate credit card that earns a great return on everyday spend. This includes cards such as the Citi Double Cash and PayPal Cashback Mastercard.

Best Cards By Spend Calculator

The Best Credit Cards By Spend Calculator will find the best credit cards based on the spend and selected filter options. Results will be sorted by net return which is the average value of the total rewards earned, plus annual credits, and minus annual fees. For any of the results listed, you can click on 'Rewards Calculator' to calculate more accurate results. You'll be able to enter spend for as many categories as you want, toggle annual fees, add authorized users, specific elite status and memberships, incorporate sign up and welcome bonus, view rewards as if you transferred them to partners, and much more.

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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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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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, you can leave it set to a duration of '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. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions).
When transferring to other programs, you should be able to get 1 to 2 cents in value for most of the programs listed below, so I defaulted most to a low average of 1.5 cents. You can click on the to learn more about the value of the currency (opens in a new tab/window).

Include Annual Credits/Bonuses

Several credit cards feature annual bonuses. These are usually anniversary bonuses for having the card, airline credits, hotel credits, and more. If you want these included in the calculation, you can check thy box below.

Bank

The bank that issues the card. De-select the banks that you do not want in the results.

Network

The network that the card is tied to such as VISA, Mastercard, Discover, or AMEX.

Card Type

The type of card such as a co-branded airline card, bank rewards card, or cash back card. Do note that some store cards will appear under cash back if you're able to redeem cash back like a normal cash back credit card.

Reward Type

The type of rewards the card earns. This will either be points, miles, or cash back.

Personal/Business

Toggle the showing of personal or business cards in the results. Card combinations are also featured on this site. The combo option is only available if it's more than one category you're enter spend for.

Annual Fee

The range of fees you're willing to pay to wield such awesome credit cards. Selecting the First Year Free (FYF) / First Year Reduced (FYR) option will calculate FYF/FYR credit cards with their free or reduced annual fee.

Income Requirements

Some credit cards require a certain amount of annual individual or household income. Enter a max income or enter 0 to show all cards.

Foreign Transaction Fees

Toggle whether to include credit cards that have a foreign transaction fee, foreign conversion fee, or any other type of charge that has to do with making purchases outside of the region.

Results

Do note that results may take a few seconds to generate after doing a search.
You can click on the 'More Info' for any of the cards listed in the results to calculate even more accurate results. You can also click Apply to apply for the card.
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