Calculate Which Cards Earn You The Most Hotel Rewards

Best Hotel Credit Cards - October 2021
Find out which credit cards can earn you the most hotel rewards points based on your spend. Calculate value and compare results side by side to see which cards are the best choice for you.
Last Updated 2021-08-15

Hotel credit cards offer the ability to earn hotel rewards points on your every purchases and typically grant complimentary elite status as well as additional benefits. Review the best hotel credit cards and calculate which cards can earn you the most rewards based on your spend.

Best Hotel Credit Cards

World of Hyatt Credit Card
Best For Hyatt Spending
Marriott Bonvoy Brilliant™ American Express® Card
Best For Maximum Marriott Benefits & Value
The Platinum Card® from American Express
Best For Hotel Elite Status & Benefits
American Express® Gold Card
Best For Transferable Rewards To Marriott & Hilton
Chase Sapphire Preferred®
Best For Transferable Rewards To Hyatt & IHG

Hotel credit cards offer the ability to earn hotel rewards points on your purchases. Other benefits typically include complimentary elite status or benefits that closely mirrors having elite status.

If you're loyal to a specific chain, you'll want to check out any co-branded credit cards they may offer as it could useful depending on your needs when staying at the brand.

Outside of using co-branded hotel credit cards, you can also earn rewards with several hotel chains by transferring rewards earned in partner programs directly to your hotel loyalty account.

This is generally the best way to earn rewards points on non-hotel spend since co-branded hotel credit cards usually offer low returns for non-hotel spend in most cases.

This page details our top picks for the best hotel credit cards from our partners. You can use the calculator to estimate which hotel credit cards can earn you the best average return on your spend.

The cards on this page are updated periodically. New cards are introduced from time to time and the benefits of current cards could change at any time. You can use our Credit Card Finder Tool to search by spend across all credit cards in our database.


Best Overall Hilton Card

Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card

The Hilton Honors American Express Surpass® Card is one of the best hotel rewards credit cards on the market.

It earns a very generous 12X Hilton Honors Points on Hilton purchases, 6X on restaurants, supermarkets, and gas station purchases in the U.S., and 3X on everything else.

Benefits of the card include complimentary Hilton Gold Status as well as a free weekend night after spending $15,000 on the card during the calendar year.

When compared to the other Hilton credit cards in the line-up, it's the most well-rounded option if you enjoy staying at Hilton brand hotels and want to get great value out of your spend.

Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass Card
Intro Bonus
Earn Up to 180,000 Hilton Honors Bonus Points
Rewards Rate
12X
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
6X
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
3X
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Main Card Highlights
  • Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.
Annual Fee
Enjoy $0 intro Annual Fee for the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Marriott Spending

Marriott Bonvoy Boundless™ Credit Card
Marriott Bonvoy Boundless™ Credit Card

The best entry-level credit card for earning hotel rewards spending with Marriott is the Marriott Bonvoy Boundless Card.

It earns 6X Marriott Bonvoy Points at Marriott brand properties and 2X on all other purchases.

The card offers an annual free night award valued at up to 35,000 points every year after the account anniversary. This benefit alone can offer superb value and easily makes this card worth it if you stay at Marriott brand hotels.

The Marriott Bonvoy Boundless Card also offers Silver Elite status as well as 15 elite nights towards elite status each calendar year. Elite nights earned with this card can be combined with the 15 elite nights earned with the Marriott Bonvoy Business™ American Express® Card for a total of 30 elite nights every year for automatic Marriott Bonvoy Gold Elite status.

Marriott Bonvoy Boundless™ Credit Card
Marriott Bonvoy Boundless Credit Card
Intro Bonus
Earn 125,000 Bonus Points and 1 Free Night Award after you spend $5,000 on purchases in the first 3 months from account opening.
Rewards Rate
6X
Earn 6X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™
2X
Earn 2X Bonvoy points for every $1 spent on all other purchases.
Main Card Highlights
  • For a Limited Time Only! Earn 125,000 Bonus Points and 1 Free Night Award after you spend $5,000 on purchases in the first 3 months from account opening.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™ thanks to complimentary elite status.
  • 2X Bonvoy points for every $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
  • 15 Elite Night Credits each calendar year.
  • No Foreign Transaction Fees.
  • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Hyatt Spending

Chase World of Hyatt Card
Chase World of Hyatt Card

The Chase World of Hyatt Card is best credit card if you're looking to earn rewards spending with Hyatt.

The card earns 4X Hyatt Points at Hyatt hotels, 2X on restaurant, airline tickets (purchased directly from the airline), transit, and fitness club/gym membership spending, and 1X on everything else.

The card comes with an annual free night good at any Category 1-4 Hyatt hotel which offers significantly more value than the annual fee of the card.

Other benefits include complimentary World of Hyatt Discoverist status and qualifying nights towards elite status.

The Point Calculator values Hyatt Points to be worth 1.8 cents per point on average, so this card can offer a superb return on your spend no matter what you use it for.

Chase World of Hyatt Card
Chase World of Hyatt Card
Intro Bonus
Earn up to 60,000 bonus points.
Rewards Rate
4X
Earn 4 bonus Hyatt Points per $1 spent at Hyatt Hotels
2X
Earn 2 bonus Hyatt Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
1X
Earn 1 bonus Hyatt Point per $1 spent on all other purchases
Main Card Highlights
  • 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
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open
  • 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
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Maximum Marriott Benefits & Value

Marriott Bonvoy Brilliant™ American Express® Card
Marriott Bonvoy Brilliant™ American Express® Card

If you want to take a step up with Marriott in terms of earning rewards and receiving benefits, you'll want to consider the Marriott Bonvoy Brilliant™ American Express® Card.

It card offers 6X Marriott Bonvoy Points at Marriott properties, 3X at U.S. restaurants and on flights booked directly with airlines, and 2X spent everywhere else.

It features an annual free night award valued at up to 50,000 points which can easily offer hundreds in value. The card also offers up to an annual $300 Marriott statement credit, up to a $100 property credit when booking 2-night or longer stays at St. Regis or The Ritz-Carlton properties, Priority Pass Membership, complimentary Marriott Gold Elite Status, and more.

It's very easy to get a significant amount of value out of this card, even if you only stay at Marriott properties a handful of times per year.

Marriott Bonvoy Brilliant™ American Express® Card
Marriott Bonvoy Brilliant American Express Card
Intro Bonus
Limited Time Offer: Earn 150,000 Marriott Bonvoy Bonus Points and a Bonus Free Night Award after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Offer ends 11/3/2021.
Rewards Rate
6X
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy Hotels
3X
Earn 3 points at U.S. restaurants and on flights booked directly with airlines
2X
Earn 2 points on all other eligible purchases
Main Card Highlights
  • Limited Time Offer: Earn 150,000 Marriott Bonvoy Bonus Points and a Bonus Free Night Award after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Each bonus Free Night Award has a redemption level up to 85,000 points. Certain hotels have resort fees. Offer ends 11/3/2021.
  • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at hotels participating in the Marriott Bonvoy™ program.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership.
  • No Foreign Transaction Fees.
  • $450 Annual Fee.
  • Terms Apply.
Annual Fee
$450
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For IHG Spending

IHG® Rewards Club Premier Credit Card
IHG® Rewards Club Premier Credit Card

If you enjoy IHG hotels, the best card for hotel rewards will be the IHG® Rewards Club Premier Credit Card.

It earns 10X IHG Points at IHG properties, 2X on gas stations, grocery stores, and restaurant purchases, and 1X on all other purchases.

The card offers an annual free night award, the ability to enjoy a 5th night free when you redeem points for a stay of 4 or more nights, complimentary IHG Platinum Elite status, and up to $100 towards a Global Entry or TSA PreCheck application.

Overall, the IHG® Rewards Club Premier Credit Card packs some great value for such a low annual fee.

IHG® Rewards Club Premier Credit Card
IHG Rewards Club Premier Credit Card
Intro Bonus
Earn 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening
Rewards Rate
10X
Earn 10 points per $1 spent at IHG properties
2X
Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants
1X
Earn 1 point per $1 spent on all other purchases
Main Card Highlights
  • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide
  • Enjoy a Reward Night when you redeem points for any stay of 4 or more nights
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
Annual Fee
$89
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Hotel Elite Status & Benfits

The Platinum Card® from American Express
The Platinum Card® from American Express

The Platinum Card® from American Express is a luxury travel card that offers a long list of elite travel perks and benefits.

It is most known for the American Express Global Lounge Collection which grants access to American Express Centurion Lounges, Priority Pass Lounges, Delta SkyClub Lounges (when flying Delta), Airspace Lounges, and Escape Lounges.

In addition to extensive lounge access, the card offers complimentary Marriott Bonvoy Gold Elite status and Hilton Honors Gold Elite status which can be nice if you enjoy staying at either hotel chain.

Amongst many other benefits, The Platinum Card also offers $1,400 in credits. This includes up to $200 in Uber Cash, $100 in Saks Fifth credits, $300 in Equniox credits, $240 in digital entertainment credit, $200 to use towards prepaid hotels via AMEX Travel, $179 CLEAR credit, up to $100 towards Global Entry or TSA PreCheck, and $200 to use towards incidentals made with an airline of your choice.

What makes this card even better is that authorized Platinum Card users added to the card also get to experience the majority of these perks, even when they aren't traveling with the primary cardholder.

These are just some of the benefits of The Platinum Card. Overall, it's a card that offers a significant amount of value and is top-notch for anyone looking to experience luxury travel benefits.

The Platinum Card® from American Express
The Platinum Card® from American Express
Intro Bonus
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Rewards Rate
10X
Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
5X
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, on up to $500,000 per calendar year.
5X
Earn 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.
1X
Earn 1X Membership Rewards® Points on all other purchases.
Main Card Highlights
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$695
Authorized User Fee
$175 for up to 3 additional Platinum cards and $175 for each additional Platinum card after the first 3
Foreign Transaction Fee
0%

Best For Transferable Rewards To Marriott & Hilton

American Express® Gold Card
American Express® Gold Card

The American Express Gold Card is one of the best credit cards for earning rewards points.

It earns 4X Membership Rewards Points at restaurants and at U.S. supermarkets, 3X on flights booked directly with airlines or on the American Express Travel Portal, and 1X on all other purchases.

The card also offers up to $120 in annual Uber credits and up to $120 in annual dining credits, both dished out in $10 increments every month.

Points earned with the card can be redeemed for 1 cent each towards travel purchases made through the American Express Travel Portal.

You can also transfer Membership Rewards Points to AMEX's airline and hotel partners. American Express partners with Marriott, Hilton, and Choice, and you'll be able to easily transfer your points once you link your accounts.

American Express® Gold Card
American Express® Gold Card
Intro Bonus
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Rewards Rates
4X
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
4X
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
1X
Earn 1X Membership Rewards® point on all other purchases.
Main Card Highlights
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$250
Authorized User Fee
$0 for the first five add'l cards, then $35 per card for the sixth card onward
Foreign Transaction Fee
0%

Best For Transferable Rewards To Hyatt & IHG

Chase Sapphire Preferred®
Chase Sapphire Preferred®

If you're looking to earn rewards that can easily be redeemed for travel or transferred to your favorite travel programs, the Chase Sapphire Preferred® is a good start.

It earns 5X points on travel purchases through Chase Ultimate Rewards, 3X on online grocery purchases, select streaming services, and dining purchases, 2X on other travel purchases, and 1X on everything else.

Points earned with the Chase Sapphire Preferred® can be redeemed for a 25% bonus when used towards travel through Chase Ultimate Rewards. This gives you an easy redemption value of 1.25 cents towards hotels, airlines, and other forms of travel.

You can also transfer Ultimate Rewards Points to Chase's airline and hotel parnters. Chase partners with Marriott, Hyatt, and IHG, so you'll be able to top off your hotel loyalty account with these programs with ease.

Lastly, the Chase Sapphire Preferred offers a $50 anniversary hotel credit that can be used on hotel bookings made through Chase Ultimate Rewards. Just remember that booking through the portal is considered third party, so you may choose to avoid this if you're booking a stay at a hotel in which you value hotel elite status.

Chase Sapphire Preferred®
Chase Sapphire Preferred
Intro Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Rewards Rates
5X
Earn 5X points on travel purchased through Chase Ultimate Rewards®.
3X
Earn 3X points on online grocery purchases, select streaming services, and dining.
2X
Earn 2X points on all other travel purchases.
1X
Earn 1X points per dollar spent on all other purchases.
Main Card Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Backâ„ , your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best Overall Value For Travelers

Chase Sapphire Reserve®
Chase Sapphire Reserve®

The Chase Sapphire Reserve® is a premium travel card that offers a long list of elite benefits and gives you an excellent return on your spend.

The card earns 10X Ultimate Rewards Points on Chase Dining purchases and both hotel and car rental purchases through Chase Ultimate Rewards, 5X on airline travel purchases through Chase Ultimate Rewards, 3X on dining and other travel purchases, and 1X on everything else.

As a cardholder, you'll be able to redeem points for 50% more value through the Chase Travel Portal meaning that points can easily be redeemed for 1.5 cents each.

You can also transfer your earned points to Chase's airline and hotel partners which, on the hotel side, includes Marriott, IHG, and Hyatt.

Other benefits of the Chase Sapphire Reserve® include up to $300 in annual travel credit, Priority Pass membership, and top-notch travel insurance.

Chase Sapphire Reserve®
Chase Sapphire Reserve
Intro Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
Rewards Rates
10X
Earn 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5X
Earn 5X total points on air travel through Chase Ultimate Rewards®.
3X
Earn 3X points on other travel and dining.
1X
Earn 1 point per dollar spent on all other purchases.
Main Card Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Backâ„ , your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Annual Fee
$550
Authorized User Fee
$75 for each additional user
Foreign Transaction Fee
0%

Best Hotel Credit Cards Summary

Credit Card Annual Fee Best For Rewards Calculator
Hilton Honors American Express Surpass® Card $95 Best Overall Hilton Card Learn More
Marriott Bonvoy Boundless™ Credit Card $95 Best For Marriott Spending Learn More
Chase World of Hyatt Card $95 Best For Hyatt Spending Learn More
Marriott Bonvoy Brilliant™ American Express® Card $450 Best For Maximum Marriott Benefits & Value Learn More
IHG® Rewards Club Premier Credit Card $89 Best For IHG Spending Learn More
The Platinum Card® from American Express $695 Best For Hotel Elite Status & Benfits Learn More
American Express® Gold Card $250 Best For Transferable Rewards To Marriott & Hilton Learn More
Chase Sapphire Preferred® $95 Best For Transferable Rewards To Hyatt & IHG Learn More
Chase Sapphire Reserve® $550 Best Overall Value For Travelers Learn More

Find The Best Hotel Credit Card For You

Use the rewards calculator to get an idea of which hotel credit cards will offer you the most rewards and best return based on your spend.

Results will consist of top-rated hotel and travel credit cards from our partners. They will be sorted by net return which is the average value of the total rewards earned, plus annual credits, and minus annual fees.

Remember that hotel credit cards offer benefits that can save you money or add significant value to the card. This includes benefits such as complimentary status, room upgrades, and more. You'll want to take this into consideration along with the return you'll get running spend through the card.

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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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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.
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