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Best Hotel Credit Cards in 2025

Allie Johnson's headshotWritten by
Allie Johnson
Headshot of Robin RatcliffEdited by
Robin Ratcliff
Content was accurate at the time of publication.
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Our winner for best hotel credit card

Marriott Bonvoy Brilliant<sup>®</sup> American Express<sup>®</sup> Card

Marriott Bonvoy Brilliant® American Express® Card

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Rates & Fees
|Terms Apply

The Marriott Bonvoy Brilliant® American Express® Card is the best hotel rewards credit card, with more than a thousand dollars worth of benefits each year. You’ll get an annual free night award worth up to 85,000 points, Priority Pass™ Select membership (enrollment required) and more than $500 in travel and dining credits.

Best hotel reward credit cards

Best luxury hotel credit cards

Best low-annual-fee hotel credit cards

Best no-annual-fee hotel credit cards

Best hotel business credit cards

Best general travel cards for hotels

*The information related to the Hilton Honors Aspire Card from American Express has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

Best hotel credit card for Marriott loyalists

Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant<sup>®</sup> American Express<sup>®</sup> Card Marriott Bonvoy Brilliant<sup>®</sup> American Express<sup>®</sup> Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4
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on American Express's secure site
Rates & Fees
|Terms Apply
  • First-year card value: $2,313
  • Ongoing annual card value: $1,413
Estimates based on LendingTree’s value methodology
Welcome Offer150,000 points
Earn up to 150,000 Marriott Bonvoy® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
Rewards Rate2X - 6X points
  • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®
  • Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines
  • Earn 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card
Annual Fee$650
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Annual free night award after renewal (85,000 points or less)
  • More than $500 in dining and travel credits (enrollment required)
  • Complimentary Priority Pass lounge access (enrollment required)
  • Complimentary Marriott Bonvoy® Platinum Elite status
  • High annual fee will only be worth it for some travelers
  • High spending required to earn welcome offer

The Marriott Bonvoy Brilliant® American Express® Card is the best credit card for hotels because it’s the most valuable hotel card on our list. It’s the best choice for frequent travelers and dedicated Marriott loyalists who want the benefits that come with a luxury hotel credit card, like airport lounge access.

The complimentary Marriott Bonvoy Platinum Elite status lets you earn extra points on each stay and may even get you complimentary hotel room upgrades. The monthly dining credit also gives you money back in statement credits on eligible purchases at restaurant purchases worldwide.

  • Earn up to 150,000 Marriott Bonvoy® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your 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 the stay is booked with a Qualifying Rate at hotels that participate in Marriott Bonvoy, subject to availability upon check-in.
  • Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
  • 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 Brilliant 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 ($120) 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.
  • 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.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Best hotel credit card for Hilton loyalists

Hilton Honors Aspire Card from American Express*

Hilton Honors Aspire Card from American Express Hilton Honors Aspire Card from American Express
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4
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  • First-year card value: $1,500
  • Ongoing annual card value: $1,500
Estimates based on LendingTree’s value methodology
Welcome Offer175,000 points
Earn 175,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
Rewards Rate3X - 14X points
  • Earn 14X points on eligible purchases at hotels or resorts in the Hilton Portfolio.
  • Earn 7X points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and U.S. restaurants.
  • Earn 3X points on other purchases.
Annual Fee$550
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Generous welcome offer
  • Complimentary Hilton Honors Diamond status (enrollment required)
  • Free night award each year on card anniversary upon card renewal
  • About $800 worth of travel credits
  • The high annual fee may not be worth it for less frequent travelers
  • High spending required to earn welcome offer
  • Hilton Honors points have a low value

While the Hilton Honors Aspire Card from American Express has a high annual fee ($550), its generous suite of benefits makes it the most valuable Hilton card and the best choice for frequent Hilton guests. You’ll get complimentary top-tier Hilton Honors Diamond status (enrollment required) and all the perks that come with it. You’ll also enjoy a free night award each card anniversary, hundreds of dollars worth of credits toward Hilton hotels and more.

  • 14X Hilton Honors Bonus Points at hotels and resorts in the Hilton portfolio worldwide
  • 7X Hilton Honors Bonus Points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and at U.S. restaurants
  • 3X Hilton Honors Bonus Points on other purchases
  • Complimentary Hilton Honors Diamond status (enrollment required)
  • One Free Night Reward in your first year of Card Membership and every year upon Card renewal
  • Up to $400 Hilton Resort credit (up to $200 semi-annually)
  • Up to $200 flight credit (up to $50 per quarter, enrollment required)
  • Up to $199 CLEAR credit (enrollment required)
  • $100 on-property credit at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts when booking the exclusive Aspire Card package
  • National Car Rental® Emerald Club Executive® Status (enrollment required)
  • Access to 24/7 American Express concierge
  • No foreign transaction fees
  • Terms apply
*The information related to the Hilton Honors Aspire Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best hotel card for occasional Marriott guests

Marriott Bonvoy Boundless® Credit Card*

Marriott Bonvoy Boundless<sup>®</sup> Credit Card Marriott Bonvoy Boundless<sup>®</sup> Credit Card
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3.8
Learn More
  • First-year card value: $2,119
  • Ongoing annual card value: $634
Estimates based on LendingTree’s value methodology
Welcome Offer250,000 points
Earn 5 Free Night Awards after spending $5,000 on eligible purchases within 3 months of account opening. Each Free Night Award valued up to 50,000 points - that's a total value of up to 250,000 points! Certain hotels have resort fees.
Rewards Rate2X - 17X points
  • Earn up to 17X total points at participating Marriott hotels.
  • Earn 3X points on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • Earn 2X points on all other purchases.
Annual Fee$95
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Huge sign-up bonus
  • Multiple free night certificates
  • Complimentary Silver Elite status
  • Can help you reach the next level of status
  • 35,000-point limit on free night award
  • Silver Elite status comes with few perks
  • Lackluster rewards earning rates
  • Cap on bonus rewards

The Marriott Bonvoy Boundless® Credit Card is a good hotel points credit card for less frequent travelers who occasionally stay at Marriott properties. It has a reasonable $95 annual fee and a standout sign-up bonus that can net you several free nights right out of the gate. Its annual free night certificate may offset the annual fee going forward, and you can earn bonus rewards on everyday purchases while you work up to higher levels of status through spending.

 Savvy traveler’s tip: You can use your Marriott points to top off the card’s annual free night award, in case your desired hotel costs more than 35,000 points.

 

  • Earn 5 Free Night Awards after spending $5,000 on eligible purchases within 3 months of account opening. Each Free Night Award valued up to 50,000 points - that's a total value of up to 250,000 points! Certain hotels have resort fees.
  • 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 over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • 2X points for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No foreign transaction fees.
*The information related to the Marriott Bonvoy Boundless® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best hotel card for occasional Hilton guests

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass<sup>®</sup> Card Hilton Honors American Express Surpass<sup>®</sup> Card
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4.2
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Rates & Fees
|Terms Apply
  • First-year card value: $1,324
  • Ongoing annual card value: $1,349
Estimates based on LendingTree’s value methodology
Rewards Rate3X - 12X points
  • 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, U.S. supermarkets, and U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Welcome Offer130,000 points
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 8/13/2025.
Annual Fee$0 intro annual fee for the first year, then $150
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Generous welcome offer
  • Excellent bonus categories
  • Complimentary Hilton Honors™ Gold status
  • Spend to earn top-tier Hilton Honors™ Diamond status
  • Up to $200 Hilton credit for direct purchases with your card (up to $50 in statement credits per quarter)
  • Annual free night award with $15,000 in spend each calendar year
  • Free night award requires $15,000 in spending each calendar year
  • Hilton Honors points have a low value

The Hilton Honors American Express Surpass® Card is a great choice for travelers who occasionally stay at a Hilton. It has a much lower annual fee ($0 intro annual fee for the first year, then $150) than many other hotel cards, making it easy to recoup the cost. The generous welcome offer can be worth up to several free nights right off the bat. Additionally, if you stay at Hilton a few times a year, you can use the quarterly statement credits on directly-made Hilton hotel purchases (up to $50 per quarter) to help offset the annual fee.

It also comes with complimentary Gold elite status with benefits such as complimentary upgrades. And the bonus rewards earning categories cover a range of everyday purchases, from U.S. gas stations to U.S. supermarkets, making it easy to rack up free hotel stays without leaving home.

  • Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 8/13/2025.
  • Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That's up to $200 in statement credits annually.
  • 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.
  • As a Hilton Honors American Express Surpass® Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you're enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $0 introductory annual fee for the first year, then $150.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Best hotel credit card for Hyatt loyalists

World of Hyatt Credit Card*

World of Hyatt Credit Card World of Hyatt Credit Card
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3.5
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  • First-year card value: $1,701
  • Ongoing annual card value: $501
Estimates based on LendingTree’s value methodology
Welcome Offer60,000 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 Rate1X - 9X points
  • Earn up to 9 points total per $1 spent at Hyatt.
  • Earn 4 Bonus Points per $1 when you use your card at Hyatt hotels & 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 airline, local transit and commuting as well as fitness club and gym memberships.
  • Earn 1 Bonus Point per $1 spent on all other purchases.
Annual Fee$95
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Large sign-up bonus
  • Earn valuable Hyatt points at a high rate
  • One free night award each year, plus the chance to earn a second free night award
  • Complimentary World of Hyatt Discoverist status
  • Helps you earn higher level status
  • Free night certificate limited to category 1-4 properties
  • Hyatt’s hotel network is smaller than that of other major chains

The World of Hyatt Credit Card is valuable for Hyatt loyalists for a few reasons — including its generous earning rate and the fact that you get complimentary Hyatt Discoverist status for a reasonable $95 annual fee. It also offers tier-qualifying nights toward the next level of status, which makes it a must-have for Hyatt members pursuing Explorist or Globalist status.

You’ll also earn points at a good pace, with a bonus on a wide variety of purchases, including restaurants. Plus, you’ll get great value on your redemptions, since World of Hyatt points are the most valuable hotel loyalty points (approximately 2 cents each) based on our recent valuations.

  • 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 at Hyatt hotels & 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
*The information related to the World of Hyatt Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best hotel credit card for IHG loyalists

IHG One Rewards Premier Credit Card*

IHG One Rewards Premier Credit Card IHG One Rewards Premier Credit Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.6
Learn More
  • First-year card value: $1,906
  • Ongoing annual card value: $606
Estimates based on LendingTree’s value methodology
Welcome Offer5 Free Nights
Earn 5 Free Nights after spending $5,000 on purchases in the first 3 months from account opening.
Rewards Rate3X - 26X points
  • Earn up to 26 points total per $1 spent when you stay at an IHG hotel
  • Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants
  • Earn 3 points per $1 spent on all other purchases
Annual Fee$99
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Large welcome offer
  • Complimentary Platinum Elite status
  • Free award night each year
  • Fourth night free on award stays
  • Global Entry, TSA PreCheck or NEXUS credit
  • Earn a statement credit and bonus points through spending
  • Doesn’t offer the chance to earn Diamond status through spending
  • 40,000-point limit on free night award

The IHG One Rewards Premier Credit Card is the best credit card for hotel stays for loyal IHG hotel travelers who want to maximize rewards on paid stays while also enjoying some basic benefits. You’ll get one free award night each year on your card anniversary, complimentary Platinum Elite status in the IHG Rewards program and more. Plus, the fourth-night free benefit on consecutive four-night IHG® hotel award stays is one of the most useful perks of any hotel credit card — allowing you to reduce the cost of four-night stays by 25%.

  • Our Best Offer of 2025! 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 $120 every 4 years as reimbursement 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
*The information related to the IHG One Rewards Premier Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best hotel card for budget hotel travelers

Choice Privileges® Select Mastercard®*

Choice Privileges<sup>®</sup> Select Mastercard<sup>®</sup> Choice Privileges<sup>®</sup> Select Mastercard<sup>®</sup>
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4
  • First-year card value: $834
  • Ongoing annual card value: $594
Estimates based on LendingTree’s value methodology
Welcome Offer60,000 points
Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months
Rewards Rate1X - 10X points
  • Earn 10X points on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases
  • Earn 5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services
  • Earn 1X points on other purchases
Annual Fee$95
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Solid welcome bonus
  • Automatic Platinum elite status
  • Anniversary bonus worth up to three free nights
  • Global Entry or TSA PreCheck credit
  • Travel and cell phone insurance
  • Low earning on spending outside bonus categories
  • Platinum elite status has minimal benefits
  • No path to Diamond status through spending
  • No luxury perks like lounge access

The Choice Privileges® Select Mastercard® is one of the best credit cards for hotel points for budget travelers. It provides excellent value at a reasonable cost, starting with automatic Platinum elite status and a welcome bonus worth up to a free one-week hotel stay. Each anniversary nets bonus points that can be cashed in for up to three free nights, making the modest annual fee well worth it for occasional travelers seeking to stretch their funds.

  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months - enough to redeem for up to 7 reward nights at select Choice Hotels® properties. Additional fees may apply.
  • Earn 10X points on stays at participating Choice Hotels® properties.
  • Earn 5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services. Plus earn 1X points on other purchases.
  • $95 annual fee.
  • Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Receive 20 Elite night credits qualifying for at least Platinum level status each calendar year.
  • No foreign transaction fee.
*The information related to the Choice Privileges® Select Mastercard® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best hotel credit card for Hilton beginners

Hilton Honors American Express Card

Hilton Honors American Express Card Hilton Honors American Express Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.2
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on American Express's secure site
Rates & Fees
|Terms Apply
  • First-year card value: $1,012
  • Ongoing annual card value: $412
Estimates based on LendingTree’s value methodology
Welcome Offer100,000 points
Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express® Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
Rewards Rate3X - 7X points
  • 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 at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Annual Fee$0
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Valuable welcome offer
  • Complimentary Hilton Honors™ Silver status
  • Foreign transaction fee: None
  • Purchase protection
  • Limited travel benefits

The Hilton Honors American Express Card has a $0 annual fee, which makes it a good choice for infrequent travelers. It boasts an especially generous welcome offer for a $0-annual-fee card, as well as a great rate on paid Hilton stays and other spending. The card’s benefits also include complimentary Hilton Honors Silver status.

  • Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express® Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • 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 Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Best hotel credit card for IHG beginners

IHG One Rewards Traveler Credit Card*

IHG One Rewards Traveler Credit Card IHG One Rewards Traveler Credit Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3
  • First-year card value: $632
  • Ongoing annual card value: $282
Estimates based on LendingTree’s value methodology
Welcome Offer120,000 points
Earn 120,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
Rewards Rate2X - 17X points
  • Earn up to 17 points total per $1 spent when you stay at an IHG hotel
  • Earn 3 points per $1 spent on purchases on monthly bills, gas stations, and restaurants
  • Earn 2 points per $1 spent on all other purchases
Annual Fee$0
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Large sign-up bonus
  • Automatic Silver elite status
  • Earn Gold elite status with $20,000 in spend
  • 10,000 bonus points after spending $10,000 each year
  • Fourth-night free benefit*
*When you redeem points for a consecutive four-night IHG® hotel stay, you can receive a fourth reward night free redeemable at that same hotel during that same stay.
  • Limited travel benefits
  • Silver status has few notable benefits

If you want to dip your toe into the IHG Rewards program without committing to an annual fee, the IHG One Rewards Traveler Credit Card is another decent $0-annual-fee hotel card. Its best benefits are its large welcome offer — worth more than usual for a $0-annual-fee card — and a fourth night free on award stays. You can use this perk to stretch your IHG points a little farther*.

*When you redeem points for a consecutive four-night IHG® hotel stay, you can receive a fourth reward night free redeemable at that same hotel during that same stay./div>

  • Earn 120,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
  • No Annual Fee
  • Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts
  • Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
  • No Foreign Transaction Fees
  • Redeem 3 Nights, Get the 4th Night Free
  • IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
*The information related to the IHG One Rewards Traveler Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best business hotel credit card for Hilton travelers

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card The Hilton Honors American Express Business Card
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4.1
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on American Express's secure site
Rates & Fees
|Terms Apply
  • First-year card value: $1,433
  • Ongoing annual card value: $1,308
Estimates based on LendingTree’s value methodology
Welcome Offer175,000 points
Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
Rewards Rate3X - 12X points
  • Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
  • 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.
  • Terms & Limitations Apply.
Annual Fee$195
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Large welcome offer with extra time to earn it
  • Complimentary Hilton Honors™ Gold status
  • Spend to earn top-tier Diamond status
  • Up to $60 in statement credits each quarter for direct Hilton purchases
  • High spending requirement of $40,000 per year to get Diamond status
  • No free night awards

The Hilton Honors American Express Business Card is our top hotel credit card pick for small business owners for several reasons — including its lucrative welcome offer and excellent rewards rate. Cardholders also get complimentary Hilton Honors Gold status, along with the opportunity to earn Diamond status by spending $40,000 on eligible purchases in a calendar year.

  • Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
  • Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within 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.
  • Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
  • 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 Base Points you earn on every stay.
  • You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
  • As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
  • Terms apply.

Best business hotel credit card for Marriott travelers

Marriott Bonvoy Business® American Express® Card

Marriott Bonvoy Business<sup>®</sup> American Express<sup>®</sup> Card Marriott Bonvoy Business<sup>®</sup> American Express<sup>®</sup> Card
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3.5
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on American Express's secure site
Rates & Fees
|Terms Apply
  • First-year card value: $1,692
  • Ongoing annual card value: $657
Estimates based on LendingTree’s value methodology
Welcome Offer3 Free Night Awards
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.
Rewards Rate2X - 6X points
  • Earn 6X Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
  • Earn 4X points 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.
Annual Fee$125
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Extremely generous welcome offer
  • Complimentary Marriott Bonvoy Gold Elite status
  • Annual free night award after card renewal with chance to earn another
  • 15 annual Elite Night Credits toward next status level each calendar year
  • Annual fee might not be worth it for less frequent travelers
  • No path to Platinum Elite status through spending
  • High spending required for welcome offer

The Marriott Bonvoy Business® American Express® Card is the best choice for business travelers who stay at Marriott properties frequently. Its annual fee is modest compared with many business hotel rewards cards, and you’ll get valuable benefits like complimentary Gold Elite status and an annual free night after card renewal. Gold status gets you perks that include enhanced room upgrades, a welcome gift of points, a 25% points earning boost on hotel purchases and late checkout at 2 p.m.

  • 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.

Best for transferring points to hotel programs

Chase Sapphire Preferred® Card

Chase Sapphire Preferred<sup>®</sup> Card Chase Sapphire Preferred<sup>®</sup> Card
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4.7
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on Chase's secure site
Rates & Fees
  • First-year card value: $2,332
  • Ongoing annual card value: $832
Estimates based on LendingTree’s value methodology
Welcome Offer75,000 points
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Rewards Rate1X - 5X points
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠
  • Earn 3x on dining, select streaming services and online groceries
  • Earn 2x on all other travel purchases
  • Earn 1x on all other purchases
Annual Fee$95
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Stellar welcome bonus
  • Some of the most flexible rewards points
  • Up to $50 annual hotel credit for stays purchased through Chase TravelSM
  • Transfer points 1:1 to 10+ airline and hotel loyalty programs
  • Can redeem for travel with any hotel or airline
  • No premium travel benefits, like lounge access
  • No trusted traveler program credit
  • Difficult to qualify for this card without excellent credit

The Chase Sapphire Preferred® Card offers the best of both worlds: You can redeem points for any travel purchase through the Chase TravelSM portal, and you can transfer points to hotel programs, including Hyatt, IHG and Marriott. You’ll get excellent bang for your rewards buck by turning them into World of Hyatt points, which are worth about 2 cents each according to our valuations. You’ll also get better-than-average value redeeming points for hotels stays through the Chase TravelSM portal. With multiple rewards bonus categories, including dining and online grocery purchases, you should be able to rack up points quickly with everyday spending and turn them into free hotel stays.

  • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • 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
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
  • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  • Member FDIC

Best for 10x miles on hotel stays

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card Capital One Venture X Rewards Credit Card
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4.9
Learn More
Rates & Fees
  • First-year card value: $3,953
  • Ongoing annual card value: $1,433
Estimates based on LendingTree’s value methodology
Welcome Offer75,000 miles
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
Rewards Rate2X - 10X miles
  • Earn 2X Miles per dollar on every purchase, every day
  • Earn 10X Miles per dollar on hotels and rental cars booked through Capital One Travel
  • Earn 5X Miles per dollar on flights booked through Capital One Travel
Annual Fee$395
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Earn a large sign-up bonus
  • Simple earning structure means you get good value, no matter what
  • High earning rate on hotels booked through Capital One Travel
  • Up to $300 annual travel credit for bookings through Capital One Travel
  • Can transfer miles to several transfer partners
  • Complimentary airport lounge access
  • High annual fee may only be worth it for some travelers
  • Earnings boost only on travel booked through Capital One portal

The Capital One Venture X Rewards Credit Card is our top choice for earning rewards on hotel stays, due to the high rewards rate you get on hotel and rental car bookings made through the Capital One travel portal. This accelerated earning opportunity will allow you to rack up rewards quickly on hotel bookings. Additionally, you can use your miles for free hotel stays by booking in the portal or transferring them to Capital One transfer partners, which include three hotels. This card also offers benefits, including experience credits, room upgrades and late checkout, when you book a stay at a hotel or resort in Capital One’s Premier Collection or Lifestyle Collection.

  • 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 and vacation rentals booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
  • 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
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®

Best hotel status card

The Platinum Card® from American Express

The Platinum Card<sup>®</sup> from American Express The Platinum Card<sup>®</sup> from American Express
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4.5
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
|Terms Apply
  • First-year card value: $5,040
  • Ongoing annual card value: $1,540
Estimates based on LendingTree’s value methodology
Welcome OfferAs high as 175,000 points
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Rewards Rate5X points
  • Earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel® on up to $500,000 on these purchases per calendar year
  • Earn 5X Membership Rewards® points on prepaid hotels booked with American Express Travel®.
  • Terms apply. 
Annual Fee$695
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Complimentary Marriott Bonvoy Gold Elite status and Hilton Honors™ Gold status (enrollment required)
  • Generous welcome offer
  • Up to $200 hotel credit for select bookings through American Express Travel
  • Over $1,000 in other credits (enrollment required)
  • High rewards rate on hotels booked on Amex Travel
  • Elite-status-like perks through the Fine Hotels and Resorts program
  • High annual fee
  • High spending required for welcome offer
  • Low rewards on everyday purchases

Travelers seeking hotel status will love The Platinum Card® from American Express. It offers a slew of luxury travel perks along with complimentary Gold elite status to two popular hotel loyalty programs: Hilton Honors and Marriott Bonvoy (enrollment required for both). You’ll get the benefits of a co-branded hotel credit card with all of the flexibility of a general travel card with points that can be moved to three hotel partners.

The card also offers an array of perks for Amex Travel bookings with the Fine Hotels and Resorts program, including a $100 property credit and benefits such as daily breakfast for two, room upgrade when available and late 4 p.m. checkout.

  • You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • 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 through American Express Travel using 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, Peacock, and The Wall Street Journal. Enrollment required.
  • Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
  • A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
  • $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® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
  • $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
  • Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, 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.
  • Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
  • $695 annual fee.
  • Terms Apply.

To see rates & fees for American Express cards mentioned on this page, visit the links provided below:

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

The information related to the Hilton Honors Aspire Card from American Express, Marriott Bonvoy Boundless® Credit Card, World of Hyatt Credit Card, IHG One Rewards Premier Credit Card, Choice Privileges® Select Mastercard® and IHG One Rewards Traveler Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

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