Best Hotel Credit Cards in 2026: Marriott, Hilton, IHG & More Expert Picks
Our winner for best hotel credit card
Our winner for best hotel credit card
Hilton Honors Aspire Card from American Express
The Hilton Honors Aspire Card from American Express packs over $900 worth of credits and benefits that can make this worthwhile for Hilton loyalists looking for a card that carries a ton of value. For a $550 annual fee, it also comes with strong travel protections, a solid welcome offer and high rewards rate on Hilton stays.
Key takeaways
- A co-branded hotel credit card is a card that’s tied to a single hotel brand. Hotel credit card offers are best for getting hotel perks such as elite status, free night awards and room upgrades.
- The best hotel reward credit cards offer hundreds to thousands of dollars in annual benefits for avid travelers loyal to a specific hotel brand. They may also be worth it for occasional travelers.
- Hotel cards do have a few drawbacks: point values tend to be low, and you’re locked into using benefits with one hotel brand.
- General travel rewards cards like the Chase Sapphire Preferred® Card may work better for earning rewards toward free hotel stays since point values are higher and you can stay at any hotel.
Best luxury hotel credit cards
- Hilton loyalists: Hilton Honors Aspire Card from American Express*
- Marriott loyalists: Marriott Bonvoy Brilliant® American Express® Card
Best low-annual-fee hotel credit cards
- Occasional Marriott guests: Marriott Bonvoy Boundless® Credit Card
- Occasional Hilton guests: Hilton Honors American Express Surpass® Card (see rates & fees)
- Hyatt loyalists: World of Hyatt Credit Card
- IHG loyalists: IHG One Rewards Premier Credit Card
- Budget hotel travelers: Choice Privileges® Select Mastercard®
Best no-annual-fee hotel credit cards
- Hilton beginners: Hilton Honors American Express Card (see rates & fees)
- IHG Beginners: IHG One Rewards Traveler Credit Card
Best hotel business credit cards
- Hilton business travelers: The Hilton Honors American Express Business Card
- Marriott business travelers: Marriott Bonvoy Business® American Express® Card
Best general travel cards for hotels
- Transferring points to hotel programs: Chase Sapphire Preferred® Card
- 10x miles on hotel stays: Capital One Venture X Rewards Credit Card
- Multiple hotel elite statuses: American Express Platinum Card® (enrollment required)
14 best hotel reward credit cards
| Credit Cards | Our Ratings | Annual Fee | Rewards Rate | Welcome Offer | |
|---|---|---|---|---|---|
Hilton Honors Aspire Card from American Express*
|
Hilton loyalists
|
$550 | 3X - 14X points
| 175,000 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. Offer ends 1/14/2026.
| |
Marriott Bonvoy Brilliant® American Express® Card*
|
Marriott loyalists
|
$650 | 2X - 21X points
| 100,000 points
Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
| |
Marriott Bonvoy Boundless® Credit Card*
|
Occasional Marriott guests
|
$95 | 2X - 17X points
| 3 Free Night Awards
Earn 3 Free Night Awards worth up to 50,000 points each after spending $3,000 on eligible purchases within 3 months of account opening.
| |
Hilton Honors American Express Surpass® Card*
|
Occasional Hilton guests
|
$150 | 3X - 12X points
| 130,000 points
Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 4/15/2026.
| |
World of Hyatt Credit Card*
|
Hyatt loyalists
|
$95 | 1X - 9X points
| 30,000 points
Earn 30,000 bonus points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, earn 2 bonus points per dollar in the first 6 months on purchases that normally earn 1 bonus point, on up to $15,000 spent.
| |
IHG One Rewards Premier Credit Card*
|
IHG loyalists
|
$99 | 3X - 26X points
| 140,000 Bonus Points
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
| |
Choice Privileges® Select Mastercard®*
|
Budget hotel travelers
|
$95 | 1X - 10X points
| 60,000 points
Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months
| |
Hilton Honors American Express Card*
|
Hilton beginners
|
$0 | 3X - 7X points
| 70,000 points
Earn 70,000 Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 4/15/2026.
| |
IHG One Rewards Traveler Credit Card*
|
IHG Beginners
|
$0 | 2X - 17X points
| 100,000 points
Earn 90,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening and up to 30,000 Bonus Points by earning an additional 3X on purchases, except at IHG Hotels & Resorts, in the first 6 months on up to $10,000
| |
The Hilton Honors American Express Business Card*
|
Hilton business travelers
|
$195 | 3X - 12X points
| 175,000 points
Earn 175,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $8,000 in purchases on the Hilton Honors Business Card in the first six months of Card Membership. Offer ends 4/15/2026.
| |
Marriott Bonvoy Business® American Express® Card*
|
Marriott business travelers
|
$125 | 2X - 6X points
| 3 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. 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®.
| |
Chase Sapphire Preferred® Card*
|
Transferring points to hotel programs
|
$95 | 1X - 5X points
| 75,000 points
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
| |
Capital One Venture X Rewards Credit Card*
|
10x miles on hotel stays
|
$395 | 2X - 10X miles
| 75,000 miles
Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
| |
American Express Platinum Card®*
|
Multiple hotel elite statuses (enrollment required)
|
$895 | 5X points
| As high as 175,000 points
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 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.
|
Methodology: How we chose the best credit cards for hotels
We take a comprehensive, data-driven approach to identify the best hotel credit cards. We use an objective rating and ranking system that evaluates over 200 credit cards from more than 50 issuers. All recommendations are made by LendingTree’s editorial team, completely independent of affiliate partnerships or compensation. Every card is selected based on its merit and ability to help people achieve their financial goals. We use the following criteria to make our picks:
We calculate the value of rewards and perks for the average cardholder using U.S. Bureau of Labor Statistics data and an annual spend of $20,000, minus the annual fee. This value includes the card’s sign-up bonus, annual bonus (including free night certificates) and travel perks like lounge access and travel credits. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
We consider how easy the rewards are to use, looking at factors like expiration dates, minimum thresholds to redeem, blackout dates and the availability of flexible redemption options like travel statement credits and cash back.
We also compare a card’s benefits, such as purchase protections, travel protections and elite status benefits against benefits from other cards.
Note that our ratings are a starting point for comparing and choosing the best hotel credit card. However, your needs may be different from the average cardholder. You should consider the amount you’re likely to spend in a card’s bonus categories and which benefits you value to choose the best card for you.
Best luxury hotel credit cards
Best hotel credit card for Hilton loyalists
Hilton Honors Aspire Card from American Express*
How LendingTree Rates Credit Cards?
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.Welcome offer: 175,000 points
- 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
Ongoing annual card value: $1,500*
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 $209 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
Best hotel credit card for Marriott loyalists
Marriott Bonvoy Brilliant® American Express® Card*
How LendingTree Rates Credit Cards?
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.Welcome offer: 100,000 points
- Annual free night award after renewal (85,000 points or less; certain hotels have resort fees)
- 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
Ongoing annual card value: $1,413*
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 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
- Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
- Earn 3X points at restaurants worldwide and on flights booked directly with airlines.
- Earn 2X points on all other eligible purchases.
- Earn up to 21X Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant® American Express® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status.
- $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.
- A Marriott Bonvoy® Platinum Elite member will earn 50% more points on eligible purchases at hotels participating in Marriott Bonvoy for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
- 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®, such as Le Metropolitan, a Tribute Portfolio Hotel in Paris. 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.
- With your Marriott Bonvoy Brilliant® American Express® Card, you can enroll in Priority Pass™ Select, with an unlimited number of visits to over 1,200 airport 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.
- Trip Cancelled or Interrupted? If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
- No Foreign Transaction Fees on international purchases.
- $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 low-annual-fee hotel credit cards
Best hotel card for occasional Marriott guests
Marriott Bonvoy Boundless® Credit Card*
How LendingTree Rates Credit Cards?
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.Welcome offer: 3 Free Night Awards
- 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
Ongoing annual card value: $634*
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 3 Free Night Awards worth up to 50,000 points each after spending $3,000 on eligible purchases within 3 months of account opening.
- 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.
Best hotel card for occasional Hilton guests
Hilton Honors American Express Surpass® Card*
How LendingTree Rates Credit Cards?
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.Welcome offer: Earn 130,000 points
- 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
Ongoing annual card value: $1,349*
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 ($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 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 4/15/2026.
- Enjoy complimentary Hilton Honors™ Gold status with your Card. Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. Terms and Limitations apply.
- 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 a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 6X 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.
- 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.
- Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
- Pay It Plan It®: Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Points don’t expire while your Hilton Honors American Express Surpass® Card is active and in good standing.
- $150 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 Hyatt loyalists
World of Hyatt Credit Card*
How LendingTree Rates Credit Cards?
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.Welcome offer: 30,000 points
- 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
Ongoing annual card value: $755*
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 Points, 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
Best hotel credit card for IHG loyalists
IHG One Rewards Premier Credit Card*
How LendingTree Rates Credit Cards?
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.Welcome offer: 140,000 Bonus Points
- 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
Ongoing annual card value: $606*
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%.
- Earn 140,000 Bonus Points
- 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
Best hotel card for budget hotel travelers
Choice Privileges® Select Mastercard®*
How LendingTree Rates Credit Cards?
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.Welcome offer: 60,000 points
- 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
Ongoing annual card value: $599*
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.
Best no-annual-fee hotel credit cards
Best hotel credit card for Hilton beginners
Hilton Honors American Express Card*
How LendingTree Rates Credit Cards?
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.Welcome offer: 70,000 points
- Valuable welcome offer
- Complimentary Hilton Honors™ Silver Status
- Foreign transaction fee: None
- Purchase protection1
- Limited travel benefits
Ongoing annual card value: $412*
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 70,000 Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 4/15/2026.
- No Annual Fee.
- Earn 7X 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 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Points don't expire while your Hilton Honors American Express Card is active and in good standing.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Pay It Plan It®: Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
- 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*
How LendingTree Rates Credit Cards?
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.Welcome offer: 100,000 points
- 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
Ongoing annual card value: $282*
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
- Earn 90,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening and up to 30,000 Bonus Points by earning an additional 3X on purchases, except at IHG Hotels & Resorts, in the first 6 months on up to $10,000
- 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®
Best hotel business credit cards
Best business hotel credit card for Hilton travelers
The Hilton Honors American Express Business Card*
How LendingTree Rates Credit Cards?
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.Welcome offer: 175,000 points
- 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
- $195 annual fee
- High spending requirement of $40,000 per year to get Diamond status
Ongoing annual card value: $1,308*
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.
- Earn 175,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $8,000 in purchases on the Hilton Honors Business Card in the first six months of Card Membership. Offer ends 4/15/2026.
- 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.
- 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.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
- Terms apply.
Best business hotel credit card for Marriott travelers
Marriott Bonvoy Business® American Express® Card*
How LendingTree Rates Credit Cards?
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.Welcome offer: 3 Free Night Awards
- 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
Ongoing annual card value: $483*
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 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 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 general travel cards for hotels
Best for transferring points to hotel programs
Chase Sapphire Preferred® Card*
How LendingTree Rates Credit Cards?
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.Welcome offer: 75,000 points
- 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
Ongoing annual card value: $772*
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*
How LendingTree Rates Credit Cards?
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.Welcome offer: 75,000 miles
- 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’s travel portal
- Up to $300 annual travel credit for bookings through Capital One’s travel portal
- Can transfer miles to 20+ travel 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
Ongoing annual card value: $1,433*
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 and Landing locations and participating 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®
- Top rated mobile app
- 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
Best hotel status card
American Express Platinum Card®*
How LendingTree Rates Credit Cards?
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.Welcome offer: As high as 175,000 points
- 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 $2,000 in other credits
- 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
Ongoing annual card value: $3,026*
Travelers seeking hotel status will love the American Express Platinum Card®. 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 $12,000 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.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
- $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
- $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
- $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the 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.
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
- $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
Are hotel credit cards worth it?
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Hotel credit cards are worth it for travelers who stay at hotels at least a few times a year and can get the value out of a card’s hotel-specific perks. Much of the value of the best hotel cards lies in benefits like automatic elite status, which can come with a host of benefits. Perks may include: Room upgrades, early check-in, late checkout, a welcome gift, bonus rewards earnings and even free breakfast. Hotel cards can also give you a path toward higher elite status through spending, and free night award certificates, typically making up for the annual fee on the card.
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However, if you aren’t loyal to a particular hotel chain and are just looking to earn points for free hotel nights, a hotel card may not be the best value. Hotel points tend to be inflated (meaning, you may need hundreds of thousands of points to make a redemption), and you’re locked into using them with one hotel chain. A general travel card like the Chase Sapphire Preferred® Card will let you get a hotel night with a smaller number of points with any hotel chain.
What hotel chain has the best rewards program?
Hyatt has one of the best loyalty programs in terms of point value and status benefits. Hyatt points are valued at about 2 cents apiece according to our valuations, which is four times the value of some other hotel rewards points. Even less frequent travelers can score perks like free nights and room upgrades with Hyatt. However, Hyatt has a fraction of the properties (over 1,300) boasted by some other programs, such as Marriott Bonvoy (over 9,100).
Ultimately, the best hotel rewards program for you will depend on your spending habits, preferences and travel patterns. All of these programs have co-branded credit cards, so check credit card offers for hotels to learn how credit cards can offer extra perks on top of rewards program benefits.
Hotels rewards programs
| Program | Best for | Features |
|---|---|---|
| Best Western rewards | Worldwide frugal travelers |
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| Choice Privileges | Budget travelers in the U.S. |
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| Hilton Honors | Worldwide travelers at all price points |
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| IHG Rewards | Worldwide travelers at all price points |
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| Marriott Bonvoy | Worldwide travelers at all price points |
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| World of Hyatt | Worldwide travelers at all price points |
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| Wyndham Rewards | International travelers and vacation home renters |
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What are the best hotel points?
Hyatt has the most valuable hotel points, while the Hilton, IHG and Best Western rewards programs have very low-value points. In fact, Hyatt points are worth four times as much as the lowest-value hotel points. It’s important to keep point value in mind when choosing a hotel credit card and deciding which hotel points are worth earning for you. Also, keep in mind that some hotel points expire after a certain period of inactivity, so it’s crucial to keep your account active.
| Hotel loyalty program | Points value |
|---|---|
| Best Western rewards | 0.6 cents per point (1,000 points = $6) |
| Choice Privileges | 0.8 cents per point (1,000 points = $8) |
| Hilton Honors | 0.5 cents per point (1,000 points = $5) |
| IHG Rewards | 0.5 cents per point (1,000 points = $5) |
| Marriott Bonvoy | 0.9 cents per point (1,000 points = $9) |
| World of Hyatt | 2 cents per point (1,000 points = $20) |
| Wyndham Rewards | 0.8 cents per point (1,000 points = $8) |
How to choose a hotel rewards credit card
If you’re trying to choose the best credit card for hotel points, it’s important to compare your spending, travel habits and desired perks to card offerings to pick the best hotel rewards credit card for you based on actual dollar value provided.
It’s wise to pick a hotel rewards program that fits your travel habits, preferences and needs. Do a quick review of where you’ve traveled and stayed in the past couple of years, and consider these factors:
- Loyalty: Do you always stay with one hotel brand, or do you stay with different brands depending on the type of travel, travel companions and destination? If you’re a brand loyalist, that should narrow your hotel credit card options significantly.
- Type of hotels: Do you typically stay with budget brands, mid-range hotels or luxury resorts? Some hotel brands are geared toward budget travel while others cater to the mid-range or upscale traveler. For example, budget-conscious travelers might want to consider Choice Privileges, while luxury travelers or those who prefer a wider range of options might want to look at World of Hyatt or Marriott Bonvoy.
- Where you prefer to travel: Do you mostly travel within the United States, or are you a frequent international traveler? If you’re an international traveler, you may want to opt for a hotel rewards credit card from a brand with a large global footprint, such as Hilton or Marriott. Also keep in mind that some hotel programs offer fourth- or fifth-night-free benefits when redeeming rewards, which could be valuable if you tend toward longer stays.
You’ll want to consider upcoming travel plans and start with a goal in mind. If you don’t already have a trip planned, now might be a good time to plan one, starting with a destination and type of hotel or resort you want to stay in. Browse lodging in that location and choose a hotel program that fits your future travel plans. If you’re planning to use a welcome bonus to finance a hotel stay, you should check for award nights in your target destination to make sure that there’s plenty of availability.
Different travelers will prioritize different hotel perks, so it’s important to consider which hotel rewards credit card benefits you’ll actually use. For example, if you’re all about upgrades and sleeping in, you’ll want a card that offers automatic elite status with these perks. If you love to take long vacations, you may want a co-branded card with a hotel loyalty program that offers a fourth or fifth night free with rewards bookings. And if you travel frequently and tend toward luxury stays, a card with credits that cover things like spa services will likely provide significant value to you.
Let’s do a credit card comparison for Globetrotter Gabby, a PR executive who works hard and plays hard. In the coming year, she’s planning a week in Paris with her fiancé and a resort vacation in the Dominican Republic with three friends. She’s also planning a few domestic trips, including a Sonoma Valley winery week with her siblings.
Card 1: Hilton Honors Aspire Card from American Express*
- Hilton resort credit: $200 (While the credit is potentially worth up to $400, it’s up to $200 semi-annually, so Gabby will only get $200 since she has only one resort trip planned.)
- Flight credit: $200 (It’s worth up to $50 per quarter, and Gabby has enough flights planned throughout the calendar year to get the full amount.)
- Property credit value: $0 (The credit is worth $100, but Gabby doesn’t plan to stay at the specific properties where it can be used.)
- CLEAR® Plus credit: Up to $199 (Gabby travels enough that she plans to take advantage of this offer.)
- Free night award value: $750
- Additional free nights from spending: $0 (Cardholders earn an extra free night after spending $30,000 on the card and another after spending $60,000, but Gabby primarily uses a general travel rewards card and likely won’t hit those milestones.)
Total value per year: $1,349
Also keep in mind that this card comes with complimentary Diamond status, which offers plenty of desirable perks but is hard to assign a specific dollar value to. The Hilton fifth night free also adds value, saving 20% or more on stays booked with rewards.
Card 2: Hilton Honors American Express Surpass® Card
- Hilton credit: $150 (While the credit is potentially worth up to $200, it’s $50 per quarter, so Gabby will only get $150 since she doesn’t have a hotel stay planned every quarter.)
- Free night from spending: $0 (Cardholders earn a free night only after spending $15,000 on the card, but Gabby uses her general travel rewards card for most spending and likely won’t hit that milestone.)
Total value per year: $150
Also keep in mind that this card comes with complimentary Gold status, which adds value. The Hilton fifth night free adds even more value, saving 20% or more on longer stays booked with rewards.
Once you’ve added up the dollar value of the rewards you’ll actually use, subtract the annual fee to figure out the dollar value you get from the card so you can decide if it’s worth it to you. For example, let’s compare the value of these two cards for Gabby relative to their cost:
Card 1: Hilton Honors Aspire Card from American Express*
- Total value for traveler: $1,349
- Annual fee: $550
- Value minus the annual fee: $799
Card 2: Hilton Honors American Express Surpass® Card
- Total value for traveler: $150
- Annual fee: $150
- Value minus the annual fee: $0 (see rates & fees)
The Hilton Honors Aspire Card from American Express* is the obvious best choice for Gabby because it offers a significantly higher value. The choice becomes even more clear when you consider additional benefits that don’t have a set dollar value but nonetheless provide tangible benefits, such as higher rewards earning potential and Diamond elite status. It offers executive lounge access, a higher points bonus on stays, elite status gifting and other perks that Gold status (which comes with the Hilton Honors American Express Surpass® Card) lacks. This makes the card the winner over the Hilton Honors American Express Surpass® Card, despite its higher annual price tag.
Frequently asked questions
Most hotels require a credit card for booking, though it is possible to pay with cash, a debit card or a prepaid card in some instances. To find out which hotels don’t require a credit card, we recommend calling the hotel directly and asking what their policy is regarding non-credit-card payments.
You can book a hotel with credit card points in several ways. If you want to use points you’ve built up in a hotel loyalty program, you can visit the hotel company’s website, log in with your loyalty account credentials, search for a booking and click “book with points” to complete your reservation. If you have points in a credit card program, such as Amex Membership Rewards or Chase Ultimate Rewards®, you can either transfer your points to a hotel loyalty program or book through the card issuer’s travel portal by logging in, searching for your desired booking and choosing the option to pay with points.
You can dispute a hotel charge on your credit card if you find an unauthorized charge or billing error, or if you’re unhappy with the service you got from the hotel. You’ll need to provide any documentation that supports your dispute, such as photos or messages exchanged with the hotel. Your credit card issuer will investigate and, if they find in your favor, reverse the charge.
A hotel typically holds the total amount due for your reservation plus an extra $20 to $200 for incidental expenses such as minibar purchases or room service orders. Hotels typically place this authorization credit card hold when you check in and then lift the hold after you check out and pay.
You can book a hotel room for someone else with your credit card. You’ll need to provide your name, address and credit card number for billing, as well as the guest’s name, address and other identifying information. At check-in, the guest may need to provide a photo ID and their own credit card so the hotel can place a hold for incidental expenses.
Most hotel rewards credit cards are geared toward applicants with good to excellent credit, so none are particularly easy to get. If you have bad credit or fair credit, you might want to consider a secured card like the Discover it® Secured Credit Card to help you build credit. Once you’ve established good credit, it may be easier to get the hotel credit card of your choice.
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, Chase Sapphire Preferred® Card, Marriott Bonvoy Brilliant® American Express® Card, Marriott Bonvoy Boundless® Credit Card, Hilton Honors American Express Surpass® Card, World of Hyatt Credit Card, IHG One Rewards Premier Credit Card, Choice Privileges® Select Mastercard®, Hilton Honors American Express Card, IHG One Rewards Traveler Credit Card, The Hilton Honors American Express Business Card, Marriott Bonvoy Business® American Express® Card, Capital One Venture X Rewards Credit Card, American Express Platinum Card® and Discover it® Secured 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.
