Hotel Credit Card Rewards Calculators
Quick Overview
- Earn Points on Stays and Everyday Spending: Co-branded hotel credit cards allow you to accumulate points through generous intro bonuses and daily purchases.
- Valuable Perks and Benefits: These cards often include free night awards, discounts, and complimentary elite status, offering perks like free breakfast, late check-out, and room upgrades.
- Maximized Rewards on Hotel Purchases: Co-branded cards typically provide the highest rewards for hotel stays and on-property spending, including parking, room service, restaurants, and spa treatments.
- Flexible Point Transfers: Many hotel brands partner with rewards programs like American Express, Chase, and Capital One, enabling you to convert points into hotel rewards—ideal for non-hotel spending.
- Great Value for Brand Loyalty: If you’re loyal to a specific hotel chain, a co-branded credit card can offer significant benefits. Even without heavy spending, the perks alone on select cards can often justify the annual fee.
Co-branded Hotel Credit Cards: Perks and Drawbacks
Co-branded hotel rewards credit cards are fantastic options for anyone that is loyal to a specific brand as they can provide a wide range of benefits that can make your stays more enjoyable. Here's a look at the advantages and disadvantages of hotel rewards credit cards.
Benefits of Co-Branded Hotel Credit Cards
- Accelerated Rewards on Hotel Stays: Earn higher reward multipliers for stays at the co-branded hotel, often surpassing those offered by credit card transfer partners.
- Complimentary Elite Status: Enjoy perks like free breakfast, room upgrades, late checkout, and enhanced customer service, elevating your travel experience.
- Free Night Awards: Many hotel rewards cards offer annual free night certificates, which can easily offset the card's annual fee.
- Valuable Welcome Bonuses: Co-branded hotel cards often provide generous welcome bonuses, allowing you to earn a substantial number of points after meeting initial spending requirements.
- Travel Protections: Benefit from travel insurance, purchase protection, and trip delay coverage, providing peace of mind when plans don’t go as expected.
- No Foreign Transaction Fees: Ideal for international travelers, many hotel credit cards waive foreign transaction fees, allowing you to earn rewards globally without extra costs.
Drawbacks of Co-Branded Hotel Credit Cards
- Limited Reward Flexibility: Hotel credit card rewards are often restricted to the specific hotel chain or its partners, offering fewer redemption options compared to flexible travel rewards cards.
- Annual Fees: Many co-branded hotel credit cards come with annual fees, which may not be worth it if you don’t frequently stay at the brand’s properties.
- Lower Earning Potential on Non-Hotel Purchases: These cards typically offer lower reward rates for everyday spending categories, making them most effective when paired with other travel rewards cards.
- Blackout Dates and Restrictions: Some hotel loyalty programs may have limited availability for award bookings, especially during peak travel seasons.
- Dependence on Brand Loyalty: To maximize hotel credit card rewards, you need to consistently stay within the specific hotel chain, which may limit flexibility in accommodation choices.
- High Interest Rates: Carrying a balance can lead to steep interest charges, reducing or even negating the value of the rewards earned.
Is a Co-Branded Hotel Credit Card Right For You?
If you frequently stay with the same hotel brand, a co-branded hotel rewards credit card can be an excellent choice. These cards offer strong returns on spending at the brand’s properties and typically include valuable perks like complimentary elite status, which can enhance your travel experience with benefits such as room upgrades, late checkouts, and free breakfast.
However, if you’re not loyal to a specific hotel chain and prefer flexibility in choosing accommodations, a co-branded hotel card may not be the best fit—unless the card’s perks, like annual free night awards, justify the annual fee.
In this case, a flexible travel rewards card from issuers like American Express, Chase, or Capital One may be a better option. These cards allow you to earn rewards that can be redeemed across multiple hotel brands, airlines, car rentals, and other travel expenses, providing greater versatility.
List of Co-Branded Hotel Credit Cards
Below is a list of all co-branded hotel credit cards features on this site. Click on any card to explore its benefits in detail.
Each card includes it's own rewards calculator, enabling you to estimate how many points you can earn based on your monthly spending. It can also help you assess the card's overall value by factoring in rewards earned, the value of card benefits, and annual fees.
Hilton Honors Credit Cards
Hilton offers four co-branded credit cards, making them the top choice for anyone who frequently stays at Hilton properties. The best card for you will depend on how often you stay and the level of benefits you want, such as complimentary elite status or free night awards.
While Hilton is a transfer partner of American Express and Bilt, which can be useful for topping off your points balance, Hilton’s credit cards typically provide superior value for earning and maximizing rewards.
- Earn 14X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card on airfare purchased directly with an airline or with amextravel.com, car rentals, and at U.S. restaurants
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
- Receive complimentary Hilton Honors Diamond status
- Receive $200 in flight credits ($50 per quarter) and up to $400 in Hilton credits which applies to purchases at Hilton Resorts (up to $200 semi-annually)
- Enjoy an annual Free Night Reward each year and earn additional free nights after spending $30K and $60K during the calendar year
- $550 annual fee
- Card Value & Hilton Aspire Points Calculator
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases with hotels and resorts within the Hilton portfolio
- Earn 6X 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 4X Hilton Honors Bonus Points for each dollar of eligible U.S. online retail purchases
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year
- Up to $200 Hilton Credit each calendar year ($50 per quarter). Enrollment required
- Receive complimentary Hilton Honors Gold Status and earn Hilton Honors Diamond after spending $40,000 on the card during the calendar year
- $150 annual fee (See Rates & Fees)
- Card Value & Hilton Surpass Points Calculator
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts 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
- Receive complimentary Hilton Honors Silver status
- $0 annual fee (See Rates & Fees)
- Card Value & Hilton Points Calculator
- Earn 12X Hilton Honors Bonus Points at hotels & resorts in the Hilton portfolio
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
- Receive complimentary Hilton Honors™ Gold Status.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status (enrollment required).
- $195 annual fee (See Rates & Fees)
- Card Value & Hilton Business Points Calculator
Marriott Bonvoy Credit Cards
Marriott offers six co-branded credit cards, split between Chase and American Express. Chase provides the no-annual-fee and entry-level cards, while Amex offers the premium and business options. Both issuers also offer a mid-tier card.
These cards are ideal for frequent Marriott travelers, offering valuable perks like complimentary elite status, annual free night awards, and more. The free night awards alone can make picking up one of their cards worth it as they generally offer more value than the annual fee.
Additionally, Marriott is a 1:1 transfer partner of American Express, Bilt, and Chase, giving you flexibility to boost your points balance through other rewards programs.
- Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program
- Earn 3X Marriott Bonvoy points at Worldwide Restaurants and on flights booked directly with airlines
- Earn 2X Marriott Bonvoy points on all other eligible purchases
- Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide
- Receive complimentary Marriott Bonvoy Platinum Elite status
- Receive 1 Free Night Award every year after your Card renewal month worth up to 85,000 Marriott Bonvoy points
- Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card with no limit to how many times you can use this credit
- Receive 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status each calendar year
- Enjoy unlimited airport lounge visits when you enroll in Priority Pass™ Select membership
- $650 annual fee (See Rates & Fees)
- Card Value & Marriott Brilliant Points Calculator
- Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy
- Earn 4X Marriott Bonvoy points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2x points)
- Earn 2X Marriott Bonvoy points on all other eligible purchases
- Earn 1,000 Marriott Bonvoy bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy
- Earn 1 Free Night Award worth up to 50,000 points after spending $15,000 on eligible purchases on your card in a calendar year
- Each calendar year you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy Elite status
- $250 annual fee (See Rates & Fees)
- Card Value & Marriott Bevy Points Calculator
- Earn 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy
- Earn 4X points for every $1 on the first $15,000 spent in combined purchases each year on grocery store and dining purchases
- Earn 2X points for every $1 spent on all other purchases
- Earn 1,000 Bonus Points per each eligible stay at hotels participating in Marriott Bonvoy.
- Receive 15 Elite Night Credits per calendar year and automatic Gold Elite status each account anniversary year as a cardmember.
- Enjoy a Free Night Award every calendar year, after $15,000 in spend, valid for a one-night hotel stay at a property with a redemption level up to 50,000 points
- $250 annual fee
- Card Value & Marriott Bountiful Points Calculator
- Earn 6X Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®
- Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
- Earn 2X Bonvoy points for every $1 spent on all other purchases.
- Receive a Free Night Award that's good for any hotel that costs 35,000 points or less at the time of booking
- Receive 15 elite nights towards top-tier elite status with Marriott
- Receive 1 Elite Night Credit towards Elite Status with Marriott for every $5,000 you run across the card
- Enjoy complimentary Marriott Silver Elite status
- $95 annual fee
- Card Value & Marriott Boundless Points Calculator
- Earn 3 Bonvoy points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®
- Earn 2 Bonvoy points for every $1 spent on purchases at grocery stores, rideshare and select food delivery, and select streaming, and internet, cable, and phone services.
- Earn 1 Bonvoy point for every $1 spent on all other purchases
- Receive 5 elite nights towards top-tier elite status with Marriott
- Enjoy automatic Marriott Silver Elite status
- $0 annual fee
- Card Value & Marriott Bold Points Calculator
- Earn 6X points at hotels participating in the Marriott Bonvoy® program
- Earn 4X points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
- Earn 2X points on all other eligible purchases
- Receive a Free Night Award that's good for any hotel that costs 35,000 points or less at the time of booking and earn a second 35,000-Point Free Night Award after spending $60,000 on the card during the calendar year.
- Receive 15 elite nights towards top-tier elite status with Marriott
- Enjoy complimentary Marriott Gold Elite status
- $125 annual fee (See Rates & Fees)
- Card Value & Marriott Business Points Calculator
IHG Rewards Credit Cards
IHG offers two personal credit cards and one business card, all excellent options for earning IHG points on everyday spending. These cards are ideal for frequent IHG hotel guests, offering valuable rewards and perks tailored to enhance your stays.
While IHG is a transfer partner of Chase Ultimate Rewards, this option is best reserved for situations where you need to top off your IHG One Rewards account, as direct earning through IHG credit cards typically provides better value.
- Earn 10 IHG points per $1 spent at IHG properties
- Earn 5 IHG points per $1 spent on travel, gas station, and restaurant purchases
- Earn 3 IHG points per $1 spent on everything else
- Receive a Free Night Award that's good for any IHG property that costs 40,000 IHG Points or less at the time of booking
- Receive the 4th night free when booking a 4-night consecutive award stay
- Receive complimentary IHG Platinum Elite status
- $99 annual fee
- Card Value & IHG Premier Points Calculator
- Earn 5 IHG points per $1 spent at IHG properties
- Earn 3 IHG points per $1 spent on utilities, streaming services, gas station, and dining purchases
- Earn 1 IHG point per $1 spent on all other purchases
- Receive the 4th night free when booking a 4-night consecutive award stay
- Receive complimentary IHG Gold Elite status
- $0 annual fee.
- Card Value & IHG Traveler Points Calculator
- Earn 10X points on IHG purchases
- Earn 5X points on travel, gas station, dining, and select business purchases
- Earn 3X points on everything else
- Receive a Free Night Award that's good for any IHG property that costs 40,000 IHG Points or less at the time of booking
- Receive the 4th night free when booking a 4-night consecutive award stay
- Receive complimentary IHG Platinum Elite status
- Earn up to $50 United Airlines TravelBank Cash each year
- $99 annual fee
- Card Value & Rewards Calculator
World of Hyatt Credit Cards
Hyatt offers two credit cards—a personal card and a business card—both excellent choices for frequent Hyatt guests. These cards provide the highest rewards on Hyatt purchases, complimentary elite status, and additional perks to enhance your stays.
Hyatt is also a direct transfer partner of Chase Ultimate Rewards and Bilt Rewards. Pairing a Hyatt card with a Chase or Bilt card is highly recommended to maximize earnings on non-Hyatt purchases and add flexibility to your rewards strategy.
- Earn 4 Bonus Points per $1 spent at Hyatt hotels
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Earn 1 Bonus Point per $1 spent on all other purchases
- Receive an Annual Free Night Award good for a stay at a Category 1-4 Hyatt hotel or resort and earn a second Free Night Award every year that you spend $15,000 or more on the card
- Receive complimentary Hyatt Discoverist Status as long as you're a Chase Hyatt Credit Card holder
- Receive 5 Qualifying Nights towards Hyatt Elite Status every year and earn 2 additional Qualifying Nights for every $5,000 you run through the card.
- $95 annual fee
- Card Value & Hyatt Points Calculator
- Earn 4 Bonus Points per $1 spent on qualifying purchases at Hyatt Hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member
- Earn 2 Bonus Points per $1 spent in your top three spend categories each quarter
- Earn 2 Bonus Points per $1 spent on fitness club and gym memberships
- Earn 1 Bonus Point per $1 spent on all other purchases
- Get up to $100 in Hyatt statement credits when you spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year
- Receive complimentary Hyatt Discoverist Status as long as you're a Chase Hyatt Business Card holder
- For every $10,000 spent on the card, you'll earn 5 annual Qualifying Nights towards reaching top-tier elite status with Hyatt
- After spending $50,000 on the card, you'll get 10% of your redeemed points back for the rest of the calendar year
- $199 annual fee
- Card Value & Rewards Calculator
Best Western Rewards Credit Cards
Best Western offers two co-branded credit cards which are the best option if you frequent Best Western brand hotels since they are not partnered with any rewards program.
Choice Privileges Credit Cards
There are two Choice Privileges credit cards that earn Choice points on both stays and everyday purchases, making them excellent choices for loyal Choice Hotels travelers.
Additionally, Choice Privileges is a direct transfer partner of Citi, American Express, and Capital One. Citi stands out as the best partner, offering a 1:2 transfer ratio—1,000 Citi points for 2,000 Choice Hotels points. This provides added flexibility, allowing you to earn points through these issuers without being tied exclusively to Choice Hotels redemptions.
Drury Rewards Credit Cards
Drury offers one co-branded credit card that can be used to earn Drury Rewards points. With this card not offering any additional benefits and Drury rewards points only being worth 1 cent each, there are better credit card options.
If you're loyal to Drury Hotels or stay there frequently, the Capital One Venture Rewards Credit Card is an excellent choice.
With this card, you’ll earn miles that can be redeemed at a value of 1 cent per mile toward any travel expense, including stays at Drury Hotels and other brands, airfare, car rentals, tolls, parking, and more. This makes it a highly flexible option for maximizing your travel rewards.
Wyndham Rewards Credit Cards
Wyndham offers three co-branded credit cards—two personal cards and one business card. These cards are perfect for maximizing points on Wyndham stays while enjoying valuable perks such as complimentary benefits at Wyndham properties.
Additionally, Wyndham is a 1:1 transfer partner of Capital One Miles and Citi ThankYou Rewards, making both programs excellent options for earning rewards on non-Wyndham purchases.
Earn points paying rent with no transaction fee using the Bilt Mastercard®.
Redeem points towards future rent payments or transfer them to airline and hotel loyalty programs.
Earn status with Bilt Rewards and get treated like a VIP in your neighborhood with bonus points and access to exclusive benefits at local restaurants, fitness studios, and more.
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