Hotel Credit Card Rewards - Calculate Points & Compare Cards

Review the best hotel credit cards and calculate which cards earn you the most rewards points and best return based on spend, benefits, and annual fees.

Hotel credit card rewards are a great option if you enjoy staying at a specific hotel brand and want to earn rewards that can be used towards free nights.

This page details the best credit cards for hotel rewards and provides a calculator to help you estimate which cards will offer you the best value.

Each listed credit card has it's own rewards calculator that you can use to calculate rewards and compare rewards cards side by side to see which is better.

If you want to view our available calculators for every hotel, you can click here.

Hilton Credit Card Points

Hilton offers a total of four credit cards that you can use to earn Hilton Honors Points. Each card offers complimentary elite status which can net you an extra 10% to 100% bonus points on Hilton spending which is fantastic. Other benefits include the ability to earn weekend night rewards, Priority Pass visits, and discounts on bookings at specific brands.

Best Overall Card For Hilton

Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass Card
Intro Bonus
Limited Time Offer: 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. Plus, enjoy $0 intro Annual Fee for the first year, then $95. Offer expires 8/25/2021.
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
  • Limited Time Offer: 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. Offer expires 8/25/2021.
  • Limited Time Offer: Enjoy $0 intro Annual Fee for the first year, then $95. Offer expires 8/25/2021.
  • 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 No Fees

Hilton Honors American Express Card
Hilton Honors American Express Card
Intro Bonus
Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Plus, earn up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer expires 8/25/2021.
Rewards Rate
7X
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio
5X
Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases 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
  • Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Offer expires 8/25/2021.
  • Limited Time Offer: Plus, earn up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer expires 8/25/2021.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases 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.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Frequent Hilton Travelers

Hilton Honors American Express Aspire Card
Hilton Honors American Express Aspire Card
Intro Bonus
View Issuer's Website.
Rewards Rate
14X
Earn 14X points at hotels & resorts in the Hilton portfolio.
7X
Earn 7X points on select travel including flights booked directly with airlines or AmexTravel.com and car rentals booked with select car rental companies.
7X
Earn 7X points at U.S. restaurants, including takeout and delivery.
3X
Earn 3X points on all other purchases.
Main Card Highlights
  • Enjoy complimentary Hilton Honors Diamond status with your Hilton Honors Aspire Card.
  • Enjoy one weekend night reward with your new Hilton Honors American Express Aspire Card and every year after renewal. Plus, earn an additional night after you spend $60,000 on purchases on your Card in a calendar year.
  • Each year of Card Membership, get up to $250 in statement credits on your Card Account for eligible purchases made directly with participating Hilton Resorts.
  • Select one qualifying airline and then receive up to $250 per calendar year in statement credits for incidental fees such as checked baggage, in-flight refreshments, and flight change fees.
  • Book a 2 night minimum stay at hiltonhonorsaspirecard.com and get up to $100 in credits for qualifying charges at participating Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts.
  • Relax with unlimited lounge visits for you and up to 2 guests per visit once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,200 airport lounges around the world.
  • No Foreign Transaction Fees
  • Some benefits may require enrollment.
  • Terms Apply.
Annual Fee
$450
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Hilton Business Travelers

The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card
Intro Bonus
Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, Earn Up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer ends 8/25/2021.
Rewards Rate
12X
Earn 12X at hotels & resorts in the Hilton portfolio
6X
Earn 6X on Select Business & Travel Purchases
3X
Earn 3X on all other eligible purchases.
Main Card Highlights
  • Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, Earn Up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer ends 8/25/2021.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
  • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Terms Apply.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Hyatt Credit Card Points

Hyatt only offers one credit card that earns Hyatt Points directly, but it's all you need because it offers superb return on your spend due to Hyatt Points having such high value.

The Hyatt credit card offers a free night annually that can be used at a category 1-4 Hyatt hotel. This free night reward can easily be redeemed for more than the annual fee which makes this card a no-brainer if you enjoy staying at Hyatt brand hotels.

On top of that you'll enjoy complimentary elite status and be able to spend your way towards another free night reward and a higher status in the World of Hyatt program.

Best For Hyatt Travelers

Chase World of Hyatt Card
Chase World of Hyatt Card
Intro Bonus
Earn up to 60,000 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.
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
  • 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%

IHG Credit Card Points

IHG offers two credit cards that earn IHG Rewards Points on your everyday spending. If you're going to dedicate yourself to IHG, you'll want to pick up the IHG Premier Card as it earns a great return on IHG spend.

It also offers an annual free night reward which provides more value than the annual fee, comes with up to $100 towards a Global Entry or TSA PreCheck app, and grants complimentary elite status. You'll also have access to IHG 4th night free benefit on award bookings of 4 or more nights!

Best Overall Card For IHG

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%

Marriott Credit Card Points

Marriott has a total of 4 credit cards that earn Marriott Bonvoy Points. Most of their cards offer a high 6X earning on Marriott spend and come with an annual free night award which can offer hundreds in value.

You'll also be given 15 elite night credits towards achieving a higher status in the Marriott Bonvoy program. You can combine this benefit from a personal and business Marriott credit card to start the year with a whopping 30 elite nights which grants you automatic Marriott Bonvoy Gold status and makes Marriott Bonvoy Platinum status much easier to reach.

Best Entry Level Card For Marriott

Marriott Bonvoy Boundless™ Credit Card
Marriott Bonvoy Boundless Credit Card
Intro Bonus
Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases + 10X total points on eligible purchases in select categories.
Rewards Rate
10X
10X total points per $1 spent on up to $2,500 in combined purchases at gas stations, restaurants, and grocery stores within 6 months from account opening
6X
Earn up to 17X 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
  • Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases + 10X total points on eligible purchases in select categories.
  • 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 Maximum Value & Benefits

Marriott Bonvoy Brilliant™ American Express® Card
Marriott Bonvoy Brilliant American Express Card
Intro Bonus
Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
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
  • Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
  • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy Hotels. 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(TM) Select membership.
  • No Foreign Transaction Fees.
  • $450 Annual Fee.
  • Terms Apply.
Annual Fee
$450
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Marriott Business Travelers

Marriott Bonvoy Business™ American Express® Card
Marriott Bonvoy Business American Express Card
Intro Bonus
Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 of eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
Rewards Rate
6X
Earn 6x points at participating Marriott Bonvoy hotels.
4X
Earn 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2X
Earn 2x points on all other eligible purchases.
Main Card Highlights
  • Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 of eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
  • 6x points at hotels participating in the Marriott Bonvoy™ program.
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms Apply.
Annual Fee
$125
Authorized User Fee
$0
Foreign Transaction Fee
0%

Credit Card Rewards For All Hotels

If you're not loyal to any specific hotel chain, you'll want to pick up a travel rewards credit card that earns general travel rewards.

Travel credit card rewards are flexible points and miles that can be used to cover general travel expenses such as airfare, hotels, and car rentals. Several travel rewards programs also allow you to transfer points to hotel and airline programs which adds another layer of flexibility.

Below are a few of our top picks for best travel rewards credit cards for hotels. You can check out our list of best hotel credit cards to get the full list.

Best Overall Card For General Travel

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Intro Bonus
Limited Time Offer: Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Rewards Rates
2X
Earn an unlimited 2X miles per $1 spent on every purchase, every day.
Main Card Highlights
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Flexible Rewards

Chase Sapphire Preferred®
Chase Sapphire Preferred
Intro Bonus
Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
Rewards Rates
2X
2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel.
1X
1X points per dollar spent on all other purchases.
Main Card Highlights
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • 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 For Frequent Travelers

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
3X
3X per $1 spent on travel after earning your $300 travel credit
3X
3X per $1 spent on dining
1X
1X per $1 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
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 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%

Transferable Credit Card Rewards

Travel credit card rewards earned with several programs can be transferred directly to frequent flyer accounts. This gives you alternative ways to build and maximize your earnings with different hotels.

These type of credit cards typically offer higher earning rates than your standard hotel credit cards across several bonus categories. You'll want to find the perfect mix of travel rewards credit cards and hotel rewards credit cards that satisfies your spend habits as well as any benefits you may be looking for with a specific hotel brands.

The table below lists the transfer partners of each top travel rewards programs. Only U.S.-based hotel partners are listed.

Transferable Credit Card Rewards Points
Program Transfer Partners
American Express Membership Rewards
Chase Ultimate Rewards
Capital One Venture & Spark Rewards

Best Credit Cards For Hotels Calculator

The Best Credit Cards For Hotels Calculator will give you an idea of which credit cards will offer you the most rewards and best return on your spend.

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

When deciding on a card, be sure to also consider the benefits that a card offers and not just the overall return. If you're loyal to a hotel, it may be worth picking up both travel rewards credit cards and a co-branded hotel card.

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 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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