Best Hotel Rewards Cards​

Credit Card

Company

Credit Needed
Capital One® VentureOne® Rewards Credit Card
Capital One
Good or Excellent
Chase Sapphire Preferred® Card
JPMorgan Chase
Good or Excellent
Capital One® Venture® Rewards Credit Card:
Capital One
Good or Excellent
Hilton Honors American Express Surpass® Card
American Express
Good or Excellent
Marriott Bonvoy Boundless™ Credit Card

Marriott Bonvoy

Good or Excellent
The World Of Hyatt Credit Card
World of Hyatt
Good or Excellent
The Platinum Card® from American Express
American Express
Good or Excellent
IHG® Rewards Club Premier Credit Card
JPMorgan Chase
Good or Excellent
Clicking “Compare Cards” will redirect you to CreditCards.com’s secure website. Please note that the credit cards referenced on Make Lemonade may not be available on Creditcards.com’s website.

How does the best hotel credit card work?

The best hotel rewards card is typically a co-branded card with a specific hotel company, such as Starwood or Marriott, for example. With the best hotel credit card, you earn points for spending with the best hotel rewards program. You also can earn sign-up bonuses and other points for spending at the hotel properties. Some of the best hotel rewards cards also may partner with airlines that provide additional benefits for your loyalty.There are also other credit cards that offer you points for spending that can be redeemed with multiple hotels and airlines. This is another type of best hotel rewards program with flexibility.

The top reason to get a hotel rewards credit card is to earn rewards. With the best hotel rewards card, you can earn points for each dollar you spend, which can be redeemed for either statement credit or free nights and upgrades. The best hotel rewards credit card may offer many benefits, which include complimentary upgrades, free breakfast, early check-in, late check-out and even free nights.

The good news with the best hotel rewards program is the sign-up bonus. Many of the best hotel credit cards offer sign-up bonuses when you spend a certain amount within a specific amount of time such as 90 days. Typically, you can earn thousands of points as a sign-up bonus, which can be used for free nights and other benefits at hotel properties.

Here are the best hotel credit cards of 2020:

Capital One® VentureOne® Rewards Credit Card

Annual Fee

$0

APR

15.49% – 25.49%
Variable

Credit Needed

Good or Excellent
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel.
  • Earn 1.25x miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture.
  • Fly any airline, stay at any hotel, anytime.
  • Travel when you want with no blackout dates.
  • No foreign transaction fees.
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn.

Chase Sapphire Preferred® Card

Annual Fee

$95

APR

15.99% – 22.9%
Variable

Credit Needed

Good or Excellent
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees.
  • 1:1 point transfer to leading airline and hotel loyalty programs.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions – as long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards.

Capital One® Venture® Rewards Credit Card:

Annual Fee

$95

APR

15.49% – 25.49%
Variable

Credit Needed

Good or Excellent
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel.
  • Receive up to $100 application fee credit for Global Entry or TSA Pre?®.
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs.
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn.
  • No foreign transaction fees.

Hilton Honors American Express Surpass® Card

Annual Fee

$95

APR

15.74% – 24.74%
Variable

Credit Needed

Good or Excellent
  • Earn 125,000 Hilton Honors Bonus Points after you use your new credit card to make $2,000 in eligible purchases within the first 3 months of card membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.

Marriott Bonvoy BoundlessTM Credit Card

Annual Fee

$95

APR

15.99% – 22.99%
Variable

Credit Needed

Good or Excellent
  • Earn 75,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
  • Earn 6X points per $1 spent at over 6,700 participating Marriott Rewards & Starwood Group (SPG) hotels.
  • Earn 2X points for every $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year.
  • Gold Status when you spend $35,000 on purchases each account year.
  • 15 Elite Night Credits each calendar year.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.

The World Of Hyatt Credit Card

Annual Fee

$95

APR

15.99% – 22.99%
Variable

Credit Needed

Good or Excellent
  • Earn up to 50,000 bonus points: 25,000 bonus points after you spend $3,000 on purchases in the first 3 months after you open an account, plus 25,000 bonus points after you spend $6,000 total within 6 months after you open an account.
  • Free nights start at 5,000 points.
  • Earn 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member.
  • Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships.
  • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year.
  • Get automatic World of Hyatt Discoverist status for as long as your account is open and 5 qualifying night credits toward your next tier status every year.
  • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card.

The Platinum Card® from American Express

Annual Fee

$550

APR

N/A
Variable

Credit Needed

Good or Excellent
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Earn Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December, for a total of $200 in annual savings with Uber.
  • Earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • Earn 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Receive access to the Global Lounge Collection, which includes access to proprietary airport lounges around the world.
  • Get complimentary benefits with an average total value of $550 with Fine Hotels & Resorts.
  • Get $200 Airline Fee Credit and up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.

IHG® Rewards Club Premier Credit Card

Annual Fee

$89

APR

15.99% – 22.99%
Variable

Credit Needed

Good or Excellent
  • Earn 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening.
  • Enjoy a Free Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights.
  • Earn 25 points per $1 spent when you stay at an IHG hotel.
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants.
  • Earn 1 point per $1 spent on all other purchases.
  • Platinum Elite status as long as you remain a Premier card member.
  • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card.
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®.

How do you find the best hotel credit card?

To find the best hotel rewards card, you should consider several things before selecting the best hotel rewards credit card for you. When you evaluate the best hotel credit card, you should evaluate the following:

1. Analyze how much you plan to travel

Before you sign up for the best hotel rewards card, make sure you evaluate how often you plan to travel. The best hotel credit card for you only makes sense if you plan to redeem for hotel stays. If you are a frequent traveler, the best hotel rewards credit card means you can redeem for free nights at your favorite hotels. Even if you are not a frequent traveler, then the best hotel credit card for you may be a general hotel credit card that you can redeem with multiple hotels and airlines.You also should consider how frequently you plan to redeem you hotel rewards. As your hotel points accumulate, you can start earning rewards with the best hotel card quickly. Therefore, make sure to redeem your hotel points before they expire.Finally, the more you stay and spend at the hotel properties, the more you can earn with the best hotel credit card. With the best hotel reward program, your spending at the hotel properties can sometimes generate up to 3x as many points as everyday spending.

2. Understand the rewards rates

The best hotel rewards program may each have different hotel rewards rates. This means that even the best hotel rewards cards may help you earn rewards differently. For example, when you compare the best hotel rewards credit cards, make sure to understand that how many points you earn for every dollar you spend.

3. Take advantage of signing bonuses

The best hotel rewards credit card and the best hotel rewards program will offer attractive sign-up bonuses. For the best hotel rewards card, you typically earn the sign-up bonus after you spend a certain amount over a certain period of time. For example, you can earn thousands of free hotel points when you spend a certain amount within the first 90 days.

You can compare the best hotel rewards credit cards and find the best hotel rewards program on Make Lemonade.

Are there any drawbacks to the best hotel rewards card?

When evaluating the best hotel rewards credit card for you, pay attention to the annual fee and how many points you can earn. Most of the best hotel rewards cards have annual fees, and you should make sure the points you earn (including the sign-up bonus) are worth more than the annual fee. Also, some of the best hotel rewards programs are limited to one hotel brand. Therefore, make sure you like that hotel and plan to redeem rewards at those hotel properties. Finally, if you plan to carry a credit card balance, the best hotel credit card may not be right for you. The APR for the best hotel rewards credit card can be more costly than the hotel rewards you earn.

Is the best hotel rewards credit card with the best hotel rewards program right for me?

Hotel rewards cards are best for people who pay off their credit card balance in full each month. Why? The best hotel rewards credit card has relatively high interest rates. The reason is because the best hotel rewards credit card offers many benefits through the hotel rewards program. Since you are earning hotel points toward a free night stay, banks need to charge a high APR. Therefore, pay your hotel rewards credit card balance in full each month. Even for the best hotel rewards card, the interest rate can be more expensive than the rewards.

How do you get approved for the best hotel rewards card?

To get approved for the best hotel reward card, you need to have strong credit. The stronger your credit profile, the higher likelihood that you will be approved for the best hotel credit card. To get approved for best hotel rewards credit card, credit card companies will evaluate your credit profile, income, other debt and your history of financial responsibility.

What is the best hotel credit card for me?

The best hotel rewards credit card for you is based on several factors, most notably your personal preference. Therefore, thereis no “best hotel rewards card” for each person, but you can evaluate your travel interests to find the best hotel rewards card for you. Rather, the best hotel rewards credit card is the one that you prefer based on your favorite hotel company. Choose the best hotel rewards program that helps you maximize points at your favorite hotels so you can earn complimentary nights. If you build loyalty with one hotel chain, that can be the smartest way to maximize points with the best hotel credit card. With the best hotel rewards card, it is also important to balance the annual fee, hotel rewards earned and the ongoing APR. The best hotel credit card makes sense for you if you pay off your credit card balance each month in ful l.Finally, if you are someone that will take advantage of hotel rewards with the best hotel rewards card, then a hotel rewards credit card may make sense for you. If you are someone that won’t forget to redeem their hotel points, then a hotel rewards credit card may be right for you.

Summary of Best Hotel Rewards Cards

Credit Card
Best For
Rewards Rate
Annual Fee
Chase Sapphire Preferred® Card
Sign-up bonus
2X points on travel, including hotels
$95
Wells Fargo Propel American Express® card
Flexible travel rewards
3X points on travel, including hotels
$0
Hilton Honors American Express Surpass® Card
Hilton bonus points
12X points at Hilton properties
$95
Marriott Bonvoy Boundless™ Credit Card
Free night awards
6X points at participating Marriott Bonvoy hotels
$95
Bank of America® Travel Rewards credit card
Flat rate rewards

1.5X points on all purchases

$0
Hilton Honors American Express Card
Hilton Honors Silver status

7X points at Hilton properties

$0
The Platinum Card® from American Express
Luxury travel perks
5X points on Amextravel.com
$550
Discover it® Miles
Travel Miles
1.5X miles for every dollar spent
$0
Capital One® Venture® Rewards Credit Card
Everyday spending
2X miles per dollar on all purchases
$95
Capital One® VentureOne® Rewards Credit Card
No annual fee
1.25X miles per dollar on all purchases
$0

Let's Make Lemonade

Get the latest personal finance advice delivered directly to your inbox.