Best Hotel Credit Cards - Calculate Rewards & Compare

May 2022
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.
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Last Updated 2022-02-20

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 For Hilton Travelers
Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass Card
Annual Fee: $0 intro annual fee for the first year, then $95
130,000 Bonus Points
Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership.
Best For Occasional Marriott Travelers
Marriott Bonvoy Boundless® Credit Card
Marriott Bonvoy Boundless Credit Card
Annual Fee: $95
3 Free Nights
Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases.
Best For Frequent Marriott Travelers
Marriott Bonvoy Brilliant™ American Express® Card
Marriott Bonvoy Brilliant American Express Card
Annual Fee: $450
75,000 Bonus Points
Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
Best For Hyatt Travelers
Chase World of Hyatt Card
Chase World of Hyatt Card
Annual Fee: $95
Earn Up To 60,000 Bonus Points
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
Best For IHG Travelers
IHG® Rewards Premier Credit Card
IHG® Rewards Premier Credit Card
Annual Fee: $99
140,000 Bonus Points
Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening
Best For Hotel Elite Status & Luxury Travel
The Platinum Card® from American Express
The Platinum Card® from American Express
Annual Fee: $695
100,000 Points
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
See if you're pre-approved for this card using the CardMatch™ tool.
Best For Transferable Rewards To Marriott & Hilton
American Express® Gold Card
American Express® Gold Card
Annual Fee: $250
60,000 Points
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
See if you're pre-approved for this card using the CardMatch™ tool.
Best For Transferable Rewards To Hyatt & IHG
Chase Sapphire Preferred® Card
Chase Sapphire Preferred
Annual Fee: $95
80,000 Bonus Points
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
Best For High Value
Chase Sapphire Reserve®
Chase Sapphire Reserve
Annual Fee: $550
50,000 Bonus Points
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®

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 For Hilton Travelers

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.

Best For Occasional Marriott Travelers

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.

Best For Frequent Marriott Travelers

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.

Best For Hyatt Travelers

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.

Best For IHG Travelers

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.

Best For Hotel Elite Status & Luxury Travel

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.

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.

Best For Transferable Rewards To Hyatt & IHG

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

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® Card 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® Card 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.

Best High Value

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.

Best Hotel Credit Cards Summary

Credit Card Annual Fee Best For
Hilton Honors American Express Surpass® Card $95 Hilton Travelers
Marriott Bonvoy Boundless® Credit Card $95 Occasional Marriott Travelers
Marriott Bonvoy Brilliant™ American Express® Card $450 Frequent Marriott Travelers
Chase World of Hyatt Card $95 Hyatt Travelers
IHG® Rewards Club Premier Credit Card $89 IHG Travelers
The Platinum Card® from American Express $695 Hotel Elite Status & Luxury Travel
American Express® Gold Card $250 Transferable Rewards To Marriott & Hilton
Chase Sapphire Preferred® Card $95 Transferable Rewards To Hyatt & IHG
Chase Sapphire Reserve® $550 High Value

Calculate Hotel Credit Card Rewards

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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These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only.

All credit card links listed below will open in a new tab/window so that you will not lose your search results and all spend entered in the fields above will carry over to every credit card rewards calculator on the site so there's no need to re-enter spend.