If you have a preference for one hotel brand over another — and many travelers do — you’ll find immense value in carrying that hotel’s branded credit card.
A hotel rewards credit card is the fastest way to earn hotel rewards points and gain elite status to ensure an elevated experience during your hotel stays. Over and above the on-site benefits offered with hotel-branded cards, you may also enjoy free hotel nights at renewal and earn additional free nights by hitting specific spending levels.
To illustrate the value of these rewards cards, we’ve put together a breakdown of our choices for the best hotel-branded personal and business credit cards, including cards that offer complimentary elite status and free nights. If you’re not loyal to a specific hotel brand, we have you covered with recommendations, as well.
Best Personal Hotel Credit Cards
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- Hilton Honors American Express Aspire Card*
- The World of Hyatt Credit Card
- Marriott Bonvoy Brilliant® American Express® Card
- IHG One Rewards Premier Credit Card
- Marriott Bonvoy Boundless® Credit Card
- Hilton Honors American Express Surpass® Card
* The information regarding this product was independently collected by Upgraded Points and not reviewed by the issuer.
Best Personal Hotel Credit Cards Comparison Table
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Card | Welcome Bonus and Annual Fee | Hotel Rewards and Benefits |
| Hilton Honors American Express Aspire Card* |
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| The World of Hyatt Credit Card |
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| Marriott Bonvoy Brilliant® American Express® Card |
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| IHG One Rewards Premier Credit Card |
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| Marriott Bonvoy Boundless® Credit Card |
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| Hilton Honors American Express Surpass® Card |
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* The information regarding this product was independently collected by Upgraded Points and not reviewed by the issuer.
Best Personal Hotel Credit Cards To Maximize Your Rewards
Hilton Honors American Express Aspire Card
LIMITED TIME OFFER
Hilton Honors American Express Aspire Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.
All information about Hilton Honors American Express Aspire Card has been collected independently by Upgraded Points.
Apply With Confidence
Know if you're approved withno credit score impact
If you're approved and accept this Card, your credit score may be impacted.
Hilton Honors American Express Aspire Card
Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.
Earn 175,000 Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership. Offer ends 7/31/2024.
175,000 points
$875
$550
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.
The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists, but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.
So let’s have a look at what makes the card so valuable to travelers.
Pros
- 14x points per $1 on Hilton purchases
- 7x points per $1 on select travel and at U.S. restaurants
- 3x points per $1 on all other purchases
Cons
- High annual fee of $550
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- Earn 175,000 Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership. Offer ends 7/31/2024.
- Earn 14x Hilton Honors Bonus Points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio.
- Earn 7x Hilton Honors Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies, and at U.S. restaurants.
- Earn 3X Hilton Honors Bonus Points for other purchases on your card.
- Enjoy up to $400 in Hilton Resort Credits (up to $200 in statement credits semi-annually) on your card each anniversary year when you stay at participating resorts within the Hilton portfolio.
- Enjoy complimentary Diamond status.
- $550 annual fee.
Financial Snapshot
- APR: 20.99% - 29.99% Variable
- Foreign Transaction Fees:None
One fantastic card when it comes to automatic elite status is the Hilton Aspire card, which offers Hilton Honors top Diamond Elite status just for holding the card. Usually, you need to stay 60 nights in a year to qualify for Diamond status, and it offers perks like executive lounge access, complimentary suite upgrades, a daily food and beverage credit, 100% bonus points on stays, and more.
The Hilton Aspire card’s Free Night Reward can be used at virtually any participating Hilton hotel worldwide. Given that many of the very best Hilton hotels can cost up to 95,000 points per night, these Free Night Rewards can be very useful!
The World of Hyatt Credit Card
The World of Hyatt Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
(at Chase's secure site)
The World of Hyatt Credit Card
The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
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.
Up to 60,000 points
$900
$95
21.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.
When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.
Pros
- Up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
- 1x point per $1 on all other purchases
Cons
- $95annual fee
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- 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.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- 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
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 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
- Member FDIC
Financial Snapshot
- APR: 21.49% - 28.49% Variable
- Foreign Transaction Fees:None
Rewards Center
World of Hyatt
The World of Hyatt card is the perfect option for Hyatt loyalists, as it helps you earn more points on all of your Hyatt stays and gives you a free night certificate each year. It also offers complimentary Hyatt Discoverist statusand helps you achieve higher levels of elite status by offering 5 complimentary Tier-Qualifying night credits and another 2 for every $5,000 spent on the card.
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Brilliant® American Express® Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.
(at Amex's secure site)
Apply With Confidence
Know if you're approved withno credit score impact
If you're approved and accept this Card, your credit score may be impacted.
Marriott Bonvoy Brilliant® American Express® Card
A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.
Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
95,000 bonus points
$665
$650
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Marriott Bonvoy Brilliant® American Express® Cardis a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.
So is the card a worthwhile addition to your wallet?
Pros
- 6x points per $1 at hotels participating in Marriott Bonvoyprogram
- 3x points per $1 on flights booked directly with airlines and restaurants worldwide
- 2x points per $1 on all other purchases
Cons
- Steep annual fee of $650 (rates and fees)
- 6x points per $1 is the same earn rate offered with lower annual fee alternatives like the Marriott Bonvoy Bevy™ American Express® Card
Read Full Review
- Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
- $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
- With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
- Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
- Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
- $100 Marriott Bonvoy Property Credit: Enjoy your stay. 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.
- Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
- Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
- Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
- No Foreign Transaction Fees on international purchases.
- With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
- $650 Annual Fee.
- Terms Apply.
Financial Snapshot
- APR: 20.99%-29.99% Variable
- Foreign Transaction Fees:None
Rewards Center
Marriott Bonvoy
Another great option is the annual Free Night Award offered on the Marriott Bonvoy Brilliant card, as it can be used at any participating Marriott hotel costing up to 85,000 points per night. While Marriott Bonvoy no longer offers an award chart, you can find many fantastic hotels worldwide that fall within this pricing. Further, Marriott Bonvoy will allow you to apply up to 15,000 points on top of your Free Night Award if you wish to use it at a more expensive property.
IHG One Rewards Premier Credit Card
OUR BEST OFFER EVER
IHG One Rewards Premier Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.
(at Chase's secure site)
IHG One Rewards Premier Credit Card
The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.
Earn 5 Free Nights after spending $4,000 on purchases in the first 3 months from account opening.
5 Free Nights
$1,500
$99
21.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
If you regularly visit IHG hotels throughout the year, then the IHG One Rewards Premier Credit Card is probably a perfect card to have in your wallet.
The IHG Premier card offers a great bundle of perks and benefits, including automatic Platinum elite status, an annual free night certificate, and travel protections.
Pros
- Up to 26x points per $1 on IHG stays
- 5x points per $1 spent on purchases on travel, at gas stations, and restaurants
- 3x points per $1 on all other purchases
Cons
- $99annual fee
- Does not earn transferable points
Read Full Review
- Our Best Offer Ever! Earn 5 Free Nights
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursem*nt for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Financial Snapshot
- APR: 21.49% - 28.49% Variable
- Foreign Transaction Fees:None
If you regularly stay at IHG hotels, then the IHG Premier card is the perfect complement. Thanks to the automatic Platinum Elite status, it offers late checkout, early check-in, and complimentary room upgrades. Cardholders also get their fourth night free on award nights, which is 1 night better than the fifth-night-free perk offered with Hilton and Marriott.
You also get a free night certificate on each account anniversary year redeemable at any participating IHG hotel costing up to 40,000 points per night — plus, you can add points on top of it to stay at a more expensive property if you’d like.
Marriott Bonvoy Boundless® Credit Card
Marriott Bonvoy Boundless® Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.
(at Chase's secure site)
Marriott Bonvoy Boundless® Credit Card
Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.
Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!
Earn 3 Free Night Awards
$1,050
$95
21.49%–28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.
Pros
- Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
- Earn big at grocery stores, gas stations, and dining
- Automatic Silver Elite Status
Cons
- $95annual fee
- Marriott Silver Elite Status is the lowest status tier
Read Full Review
- Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
- Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
- No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
- Member FDIC
Financial Snapshot
- APR: 21.49%–28.49% Variable
- Foreign Transaction Fees:None
Rewards Center
Marriott Bonvoy
Those who frequent Marriott hotels would benefit from a card like the Marriott Bonvoy Boundless card thanks to its earning of up to 17x points per $1 spent at participating Marriott Bonvoy hotels, automatic Silver Elite status, and a Free Night Award.. When you factor all of those benefits together, they can more than make up for the card’s annual fee.
Hilton Honors American Express Surpass® Card
LIMITED TIME OFFER
Hilton Honors American Express Surpass® Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.
(at Amex's secure site)
Apply With Confidence
Know if you're approved withno credit score impact
If you're approved and accept this Card, your credit score may be impacted.
Hilton Honors American Express Surpass® Card
An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.
Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
130,000 points plus a Free Night Reward
$650
$150
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
If you’re someone who loves traveling and loves staying in Hilton hotels, adding a co-branded Hilton hotel card to your wallet is almost a no-brainer. From automatic Hilton elite status to up to $200 in Hilton credits every year, the Hilton Honors American Express Surpass® Card can be a great fit for Hilton loyalists looking to up their travel game.
Pros
- 12x points per $1 at Hilton hotels
- 6x points per $1 at U.S. supermarkets, U.S. gas stations, and U.S. restaurants
- 4x points per $1 at U.S. online retail purchases
Cons
- Annual fee of $150 ()
Read Full Review
- Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
- Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
- 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 Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Points for each dollar on U.S. Online Retail Purchases.
- Earn 3X Points for all other eligible purchases on your Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® 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.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $150 annual fee.
- Terms Apply.
Financial Snapshot
- APR: 20.99%-29.99% Variable
- Foreign Transaction Fees:None
Rewards Center
Hilton Honors
The Hilton Surpass card is great for helping people earn extra Hilton points on all of their stays, plus it offers complimentary Hilton Honors Gold status, which offers space-available room upgrades, a daily food and beverage credit, and more.
Best Personal Cards for Earning Rewards at Any Hotel
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- Chase Sapphire Reserve®
- Capital One Venture X Rewards Credit Card*
- The Platinum Card® from American Express
- Wells Fargo Autograph Journey℠Card
- Chase Sapphire Preferred® Card
Best Personal Cards for Earning Rewards at Any Hotel Comparison Table
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Card | Welcome Bonus and Annual Fee | Hotel Rewards and Benefits |
| Chase Sapphire Reserve® |
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Capital One Venture X Rewards Credit CardInformation collected independently. Not reviewed by Capital One. |
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| The Platinum Card® from American Express |
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| Wells Fargo Autograph Journey℠Card |
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| Chase Sapphire Preferred® Card |
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Best Personal Cards for Earning Rewards at Any Hotel To Maximize Your Rewards
Chase Sapphire Reserve®
Chase Sapphire Reserve®
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
(at Chase's secure site)
Chase Sapphire Reserve®
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
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 Travel℠
60,000 points
$1,200
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve®is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
Pros
- 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
- 10x points on Lyft purchases March 31, 2025
- 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Cons
- $550annual fee
- Does not offer any sort of hotel elite status
Read Full Review
- 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 Travel℠.
- $300 Annual Travel Credit as reimbursem*nt for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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 Travel℠. For example, 60,000 points are worth $900 toward travel.
- 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 PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
Financial Snapshot
- APR: 22.49%-29.49% Variable
- Foreign Transaction Fees:None
Rewards Center
Chase Ultimate Rewards
TheChase Sapphire Reservecardis another stellar option with its3x Ultimate Rewards points on all travel purchases, 10x points on hotels and rental cars booked through Chase Travel, complimentary Priority Pass lounge membership, and a 50% boost in value whenredeeming Ultimate Rewards points through Chase Travel. If you spend a lot on hotels, this card will serve you well — both on the earnings side and when it comes time to redeem your points. You also receive up to$300 annually in travel statement credits (which can be used for hotels)as a benefit of having the card.
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Capital One Venture X Rewards Credit Card
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)
The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.
Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.
Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.
Pros
- 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
- 5x miles per $1 on flights purchased through Capital One Travel
- 2x miles per $1 on all other purchases
Cons
- $395 annual fee ()
- Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
Read Full Review
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
Financial Snapshot
- APR: 19.99% - 29.99% (Variable)
- Foreign Transaction Fees:None
Rewards Center
Capital One Miles
Another fantastic option is the Capital One Venture X card, thanks to the $300 in annual travel credits on bookings made through Capital One Travel, 10x Capital One miles per $1 on hotels and rental cars booked through Capital One Travel, and 2x miles per $1 on all other purchases made with the card. Plus, the card offers unlimited complimentary access for you and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network.
The Platinum Card® from American Express
BEST LOUNGE ACCESS
The Platinum Card® from American Express
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
(at Amex's secure site)
Apply With Confidence
Know if you're approved withno credit score impact
If you're approved and accept this Card, your credit score may be impacted.
The Platinum Card® from American Express
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.
Make no mistake — the Amex Platinum cardis a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
Pros
- The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
- 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
- 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Cons
- $695 annual fee (rates and fees)
- Airline credit does not cover airfare (only incidentals like checked bags)
Read Full Review
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- 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 up to $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®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peaco*ck, and The Wall Street Journal. Enrollment required.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $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 is available to Basic Card Member only. Terms Apply.
- $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.
- Terms Apply.
Financial Snapshot
- APR: See Pay Over Time APR
- Foreign Transaction Fees:None
Rewards Center
American Express Membership Rewards
The Amex Platinum card earns 5x Membership Rewards points per $1 on prepaid hotels booked through AmexTravel.com. Addpremium lounge access, travel statement credits,access to Amex Fine Hotels + Resorts along with up to $200 in annual statement credits for Fine Hotels + Resorts and The Hotel Collection bookings,and a longlist of other perks,and it’s clear this card is a leader in travel rewards credit cards. Enrollment is required for some benefits.
Hot Tip:Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
Wells Fargo Autograph Journey℠ Card
NEW CARD
Wells Fargo Autograph Journey℠ Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A powerful point earning card with access to transfer partners.
(at Wells Fargo's secure site)
Wells Fargo Autograph Journey℠ Card
A powerful point earning card with access to transfer partners.
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
60,000 points
$900
$95
21.24%, 26.24%, or 29.99% Variable APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Wells Fargo Autograph JourneySM Card is an excellent option for those looking for a great all-around travel rewards card that offers bonus categories on hotels, airfare, travel, and dining, giving you the opportunity to earn points on these purchases quickly.
Plus the card offers flexible redemption options including access to transfer partners, an annual credit towards airfare, and no foreign transaction fees ().
Pros
- 5x points on hotels
- 4x points on airfare
- 3x points on other travel and restaurants
- 1x point on all other purchases
- No foreign transaction fees ()
- Cell phone protection
- Travel accident insurance, lost baggage reimbursem*nt, trip cancellation and interruption protection.
Cons
- $95 annual fee
- List of transfer partners is smaller than competing programs
- Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
- $95 Annual Fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursem*nt, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Financial Snapshot
- APR: 21.24%, 26.24%, or 29.99% Variable APR
- Foreign Transaction Fees:None
Card Categories
- Airline Credit Cards
- Travel Rewards Credit Cards
- Hotel Credit Cards
- Best Sign Up Bonuses
- Best No Foreign Transaction Fee Credit Cards
With the Wells Fargo Autograph Journey card, you earn 5x points on hotels, not to mention 4x points on airlines, 3x points on other travel and restaurants, and 1x on other purchases. While that is not as many points per dollar spent as some of the previous cards we’ve mentioned, the key difference is that you are not required to book through a travel portal to earn these bonus rewards.
You can book directly with the hotel website, like Marriott, for instance, and receive any elite benefits, hotel points, and status qualification you are entitled to. Plus, you earn 5x points for paying for your stay with your Wells Fargo Autograph Journey card.
Chase Sapphire Preferred® Card
GREAT STARTER CARD
Chase Sapphire Preferred® Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
(at Chase's secure site)
Chase Sapphire Preferred® Card
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
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 Travel℠.
60,000 points
$1,200
$95
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Pros
- 5x points on all travel booked via the Chase Travel portal
- 5x points on select Peloton purchases over $150 (through March 31, 2025)
- 5x points on Lyft purchases (through March 31, 2025)
Cons
- $95annual fee
- No elite benefits like airport lounge access orhotel elite status
Read Full Review
- 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 Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
Financial Snapshot
- APR: 21.49%-28.49% Variable
- Foreign Transaction Fees:None
Rewards Center
Chase Ultimate Rewards
TheChase Sapphire Preferred card, one of the most popular travel rewards cards, is a solid option that earns2x valuable Ultimate Rewards pointson every travel purchase, along with 5x points on travel booked through the Chase Travel portal, and 25% extra value when redeeming in theChase Travel portal. Cardholders also receive up to $50 in annual credits toward hotel bookings made through the Chase Travel portal.
Hot Tip: It’s important to note that booking hotels from any third-party site such asAmexTravel.com, Chase Travel, orCapital One Travelgenerally cause you toforfeit hotel loyalty program elite benefits.
Best Business Hotel Credit Cards
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Show Summary
- IHG One Rewards Premier Business Credit Card
- World of Hyatt Business Credit Card
- Marriott Bonvoy Business® American Express® Card
- The Hilton Honors American Express Business Card
Best Business Hotel Credit Cards Comparison Table
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Card | Welcome Bonus and Annual Fee | Hotel Rewards and Benefits |
| IHG One Rewards Premier Business Credit Card |
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| World of Hyatt Business Credit Card |
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| Marriott Bonvoy Business® American Express® Card |
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| The Hilton Honors American Express Business Card |
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Best Business Hotel Credit Cards To Maximize Your Rewards
IHG One Rewards Premier Business Credit Card
IHG One Rewards Premier Business Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The IHG Premier Business card is the perfect option for business travelers who regularly stay at IHG hotels.
(at Chase's secure site)
IHG One Rewards Premier Business Credit Card
The IHG Premier Business card is the perfect option for business travelers who regularly stay at IHG hotels.
Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening
140,000 points
$700
$99
21.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit Recommended (670-850)
IHG Rewards and Chase have teamed up to offer the IHG One Rewards Premier Business Card, a compelling option for those who travel often for their business and stay at IHG hotels.
In this review, we will cover all of the benefits of the card, including earning rates, perks, fees, and more to help you determine whether the card is a good fit for your travel goals.
Pros
- Up to 26x total points per $1 spent on IHG Hotels and Resorts
- 5x points per $1 spent on travel, at gas stations, select advertising, and restaurants
- 3x points per $1 spent on all other purchases
Cons
- $99 annual fee
- Does not earn transferable rewards
Read Full Review
- Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursem*nt for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Financial Snapshot
- APR: 21.49% - 28.49% Variable
- Foreign Transaction Fees:None
Cardholders get automatic IHG One Rewards Platinum Elite status which offers them complimentary upgrades, early check-in, and late checkout. You also earn up to 26x points per $1 on IHG stays, your fourth night free on award stays, and a free night certificate on each account anniversary year that can be redeemed at any participating IHG hotel costing up to 40,000 points per night.
World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.
(at Chase's secure site)
World of Hyatt Business Credit Card
The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
60,000 points
$1,200
$199
21.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Hyatt loyalists who do their fair share of business travel have been clamoring for the addition of a co-branded Hyatt business credit card for quite some time — and now it’s finally here.
The World of Hyatt Business Credit Card is now available. In this guide, we will walk you through everything you need to know about it!
Pros
- Up to 9x points total for Hyatt stays and experiences: 4 Bonus Points per $1 on qualified purchases at Hyatt hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member.
- 2x points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services.
- 2x points per $1 spent on fitness club and gym memberships.
Cons
- $199 annual fee
- Bonus categories and benefits are very similar to the personal card
Read Full Review
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
- Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
Financial Snapshot
- APR: 21.49% - 28.49% Variable
- Foreign Transaction Fees:None
Rewards Center
World of Hyatt
For those looking to help reach high levels of World of Hyatt elite status, the World of Hyatt Business card offers automatic Hyatt Discoverist status, plus 5 Tier-Qualifying night credits for every $10,000 spent on the card. You also get up to $100 in annual Hyatt statement credits, access to the Hyatt Leverage program, and 10% of your redeemed points back after you spend $50,000 on the card in a calendar year.
Marriott Bonvoy Business® American Express® Card
Marriott Bonvoy Business® American Express® Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A great option for business owners who stay in Marriott hotels and want automatic elite status.
(at Amex's secure site)
Marriott Bonvoy Business® American Express® Card
A great option for business owners who stay in Marriott hotels and want automatic elite status.
WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
3 Free Night Awards
$1,050
$125
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business® American Express® Card. The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Gold Elite status, and multiple point redemption options.
Pros
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 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.
- 2x points per $1 on all other purchases
Cons
- Moderate annual fee of $125 (rates and fees)
- No premium perks like airport lounge access
Read Full Review
- WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 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.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Financial Snapshot
- APR: 20.99% - 29.99% Variable
- Foreign Transaction Fees:None
Rewards Center
Marriott Bonvoy
The Marriott Bonvoy Business card is great for business owners that regularly stay at Marriott hotels thanks to its complimentary Marriott Gold Elite status, 15 Elite Night Credits each year, and annual free night certificate that can be redeemed at any participating Marriott hotel costing up to 35,000 points per night.
The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.
(at Amex's secure site)
The Hilton Honors American Express Business Card
An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.
Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
130,000 points
$650
$195
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
For frequent business travelers who regularly stay in Hilton hotels, The Hilton Honors American Express Business Card is a great option.
Not only will the card help you earn more points on all of your Hilton stays, but you’ll also receive automatic elite status and travel protections.
Here’s a detailed look at all the benefits this card offers so that you can determine if it’s a good fit for you.
Pros
- Earn 12x points per $1 on eligible Hilton purchases
- Earn 5x points on other purchases made for the first $100,000 in purchases each calendar year, 3x points thereafter.
- Complimentary Hilton Honors Gold status, and the ability to spend your way to Diamond status
Cons
- $195 annual fee (rates and fees)
Read Full Review
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn5X Hilton Honors Bonus Pointson other purchases made using theHilton Honors Business Card on thefirst$100,000 in purchases eachcalendar year, 3X points thereafter.
- Enjoyup to $240 back each year for eligible purchases made directly with Hilton.
- Enjoy complimentary Hilton Honors™Gold Status with your Hilton Honors Business Card.With Hilton Honors Gold status,you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all BasePoints you earnon every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during acalendar year reach $40,000 or more.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentaryEmerald Club® program is required. Terms apply.
- Terms apply.
Financial Snapshot
- APR: 20.99% - 29.99% Variable
- Foreign Transaction Fees:None
Rewards Center
Hilton Honors loyalty program
The Hilton Business Amex card doesn’t offer an annual free night certificate like the other hotel business cards do. However, it does offer 12x points per $1 on eligible Hilton stays, complimentary Hilton Gold status, and up to $240 back each year for eligible purchases made directly with Hilton.
How Do Hotel Credit Cards Work?
Hotel credit cards are credit cards that earn points with a specific hotel chain, along with offering perks and benefits when you stay with that hotel chain. These benefits can include complimentary elite status, late checkout, room upgrades, free breakfast, and more.
What Are Hotel Points?
Hotel points are the reward currency of hotel loyalty programs. You can earn them when you stay at one of the hotel chain’s properties or when using a co-branded hotel credit card, and then redeem these points for award nights.
How Much Is a Hotel Point Worth?
The value of a hotel point can vary based on the hotel chain, and determining an exact figure can be difficult based on the variety of redemption options.
Some hotel loyalty programs offer a fixed award chart, like World of Hyatt, where you know exactly how many points you need for an award night at a specific hotel depending on whether it is an off-peak, standard, or peak night.
Other hotel chains, like Hilton Honors, do not publish an award chart and instead price their awards closer in line with the cash price of the stay, but not exactly.
As with other types of points in the world of points in miles, your value ultimately comes down to how you decide to redeem your points, as certain redemptions can be significantly more lucrative than others.
When we set our hotel points valuationsat Upgraded Points, we do so based on what our redemption experience shows that one can reasonably expect to receive on a regular basis.
Pros and Cons of Using a Hotel Card
Pros
The pros of using a hotel card are that they can help enhance your stays at a certain hotel group by offering you complimentary elite status, which might get you room upgrades, free breakfast, late checkout, and other perks. Not to mention that hotel cards also help you earn more points on each stay, getting you closer to your next free night redemption.
Cons
The downside to hotel cards is that the rewards you earn are tied to that specific hotel group. You aren’t able to redeem them for hotels outside of the specific hotel chain, for flights, or for any other travel-related items.
Who Should Get a Hotel Credit Card?
You should consider getting a hotel credit card if you regularly stay at a hotel chain such as Hilton, Hyatt, IHG, or Marriott, and are looking to get more value out of each of those stays.
Hotel cards can help you gain instant status with a hotel chain, which offers immediate benefits on your future stays. Plus they can offer elite night credits to help you achieve a higher level of status, and help you earn more points on each of your stays.
How We Selected the Best Hotel Credit Cards
At Upgraded Points, we evaluate the best hotel credit cards based on the amount of value the card can offer to travelers. Our evaluation process analyzes each card based on important factors, including its benefits, earnings structure, welcome bonus, redemption value/rewards program, fees, and more.
Here is some insight into our thought process when selecting the best hotel cards:
Associated Benefits
The best hotel cards should offer great benefits when staying at that hotel chain. This can include automatic elite status, which might offer room upgrades or late checkout, an annual free night certificate, hotel statement credits, and more.
Earnings Structure
At the end of the day, a hotel credit card is still a travel rewards credit card, so the amount of points it can earn you towards future stays is very important. That said, a good hotel rewards card shouldn’t just reward you for hotel says, it should also offer bonus categories for everyday purchases.
Welcome Bonuses
The welcome bonus on a hotel card can give your points balance a nice boost early, which will help kick-start future award redemptions. To get it, you must meet the minimum spend requirement during a specific timeframe. Given that welcome bonuses are a one-time bonus and can be lucrative, they are a factor in how we evaluate cards.
We’ll provide you with the current welcome bonus information available for each card, but we encourage you to confirm the welcome bonus and review earnings offers before applying for any card.
Fees
Most hotel cards have fees, so take these into account, as well. Many charge an annual fee for holding the card, so make sure you’re getting enough value from the card each year to justify it.
Redemption Value
Considering the hotel chain’s points redemption values is vitally important, as this will tell you about how much value you can expect to get from the hotel points you’re earning. The more valuable the hotel’s points are, the more valuable its credit card will be!
Hot Tip:While the most desired benefits and features of a card vary by person, our holistic approach gives readers the full picture of what they can expect from every card we review. To learn more about how we review cards, read through our methodology page.
Final Thoughts
If you spend significantly on hotels, it makes sense to earn rewards and enjoy the associated benefits for an expense you’re incurring. Not doing so means you may be walking away from free hotel nights, complimentary elite status, and other associated hotel perks.
The brand you stay at frequently will likely determine the hotel-branded credit card you select. However, you may benefit equally from a travel rewards credit card that earns multiple points or miles on any hotel purchase.
We haven’t focused on the generous welcome offer bonuses with the best hotel credit cards, since they frequently change, but these bonuses can result in several free hotel nights just for meeting minimum spending requirements (usually in the first 3 months after you’re approved for the card).
Whether you’re staying at a major brand hotel, frequenting small boutique lodging, or booking budget hotels, there’s a way to earn rewards and free nights with a hotel rewards credit card.
The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Bold® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Wyndham Rewards® Earner℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the Marriott Bonvoy Brilliant® American Express® card, click here.
For rates and fees for The Hilton Honors American Express Surpass® Card, click here.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the Marriott Bonvoy Business® American Express® Card, click here.
For rates and fees of The Hilton Honors American Express Business Card, clickhere.
For rates and fees of the Hilton Honors American Express Card, click here.
