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Best hotel credit cards of June 2024: Free nights and more

Updated June 06, 2024

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Hotel credit cards can earn you free nights, upgrades, luxury perks and more. The best credit cards for hotel stays offer larger reward rates on hotels than you’d find on general rewards cards, along with free nights and other perks that can add more value to your travel. Whether you’re loyal to a specific chain or would prefer some flexibility, you could find the right fit in a hotel card. Check out the best hotel cards of 2024 from our partners and find a better way to stay.

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Best no annual fee hotel card

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 70,000 points

$420 value
Info

Rewards rate

Info

3X - 7X

Annual fee

$0

APR

20.99%-29.99% Variable

Best for business travel

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 130,000 Bonus Points

$780 value
Info

Rewards Rate

Info

3X - 12X

Annual fee

$195

Regular APR

20.99% - 29.99% Variable

Best for loyal Marriott customers

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 95,000 Marriott Bonvoy bonus points

$665 value
Info

Rewards rate

Info

2X - 6X

Annual fee

$650

APR

20.99%-29.99% Variable

Best for everyday spending

Bankrate score

Rating: 4.7 stars out of 5
4.7
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 130,000 points

Rewards rate

Info

3X - 12X

Annual fee

$150

APR

20.99%-29.99% Variable

Best for business owners who prefer Marriott hotels

Bankrate score

Rating: 4.7 stars out of 5
4.7
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 5 Free Night Awards

$1,750 value
Info

Rewards Rate

Info

2x - 6x

Annual fee

$125

Regular APR

20.99% - 29.99% Variable

Best for flexibility

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

20,000 miles

$340 value
Info

Rewards rate

Info

1.25 Miles - 5 Miles

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Best for luxury business travel

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 150,000 points

$3,000 value
Info

Rewards rate

Info

1X - 5X

Annual fee

$695

Regular APR

19.49% - 28.49% Variable

Best for luxury benefits

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 80,000 points

$1,600 value
Info

Rewards rate

Info

5X - 5X

Annual fee

$695

APR

See Pay Over Time APR

Compare Bankrate's top 2024 hotel credit cards

Card name Best for Rewards highlights Bankrate score

No annual fee

7X points on eligible Hilton purchases

5X points on eligible purchases at U.S. restaurants, supermarkets and gas stations 

3X points on all other purchases 

4.3 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Business travel

12X points on eligible Hilton purchases

5X points on made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year 

3X points on all other eligible purchases

4.1 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Loyal Marriott customers

6X points at hotels participating in the Marriott Bonvoy®  program

3X points at restaurants worldwide and on flights booked directly with airlines

2X points on all other purchases

4.3 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Everyday spending

12X points on eligible purchases at Hilton hotels and resorts

6X points at U.S. restaurants, U.S. supermarkets and U.S. gas stations

4X points on U.S. online retail purchases

3X points on other eligible purchases.

4.7 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Business owners who prefer Marriott hotels

6X Marriott Bonvoy Points on participating Marriott Bonvoy hotels

4X points on restaurants, U.S. gas stations and wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping

2X points on all other purchases

4.7 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Flexibility

5X miles on hotels and rental cars through Capital One Travel

1.25X miles on all purchases

4.1 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site

Luxury business travel

5X points on flights and prepaid hotels booked with AmexTravel.com

1.5X points on eligible purchases in key business categories and on purchases of $5,000 or more everywhere else (on up to $2 million of these purchases per calendar year)

1X points on all other purchases

4.8 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Luxury benefits

5X points on up to $500,000 of directly booked flights with airlines per calendar year and 5X on prepaid hotels booked through AmexTravel.com 

4.8 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

The information about the Marriott Bonvoy Boundless® Credit Card and Marriott Bonvoy Bold® Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.


What is a hotel credit card?

A hotel credit card is a travel card that typically rewards its users for their loyalty to a specific hotel brand. You earn points in a hotel chain’s loyalty program by using the card to book rooms at the chain’s hotels or resorts and, in some cases, by making eligible non-travel purchases. Other incentives may include free nights, upgrades and access to the hotel chain’s travel partners.

You’ll often find two types of hotel credit cards. One is a co-branded hotel card that works through a partnership between an issuer and a hotel brand. These cards usually include enrollment in the hotel's loyalty program. Another type of hotel credit card is a general travel rewards card that offers hotel-related perks and benefits without being exclusively associated with a single hotel chain. 

Pros and cons of hotel credit cards

Whether or not a hotel card is the right choice for you depends on your travel habits, budget and financial priorities. Make sure to weigh the pros and cons before choosing a particular card.

Pros

  • Checkmark

    Exclusive sign-up bonuses: Hotel cards regularly offer lucrative welcome offers or sign-up bonuses for new cardholders who meet the spending requirements within a specified period.

  • Checkmark

    Earn extra points: A co-branded hotel card will likely offer a higher-than-average rewards rate compared with a general travel card. You could earn up to 10 points per dollar spent on eligible hotel purchases and even more in some cases.

  • Checkmark

    Special perks and status: Late check-in, complimentary breakfast and room upgrades are fairly standard across co-branded hotel credit cards. Many hotel cards also offer expedited pathways to elite status with even more perks.

Cons

  • Complicated redemption process: To get the most value from your card, you might have to navigate complicated rewards programs and redemption processes. The value can also decline significantly when you transfer points to travel partners or redeem for merchandise.

  • Low-value points: Although rewards rates are high with some co-branded hotel cards, the points’ redemption values are generally not worth as much as those earned with non-branded travel cards.

  • Higher annual fees: Whether you opt for a co-branded hotel card or a general travel rewards card, you’ll most likely have to pay an annual fee of $95 or more if you want noteworthy perks at hotels.

Tips for choosing the best hotel credit card for you

The right hotel card for you will vary based on your travel habits and preferences. Here are a few first steps to help you in your search.

What people say about hotel credit cards

With so many hotel rewards programs, it can be hard to tell which one is as great as it says it is. We explored what people had to say about their experience with hotel credit cards

Expert tips & tricks for hotel credit cards

Hotel credit cards can be worthwhile, but once you have one, it’s best to know how to manage it effectively. We’ve laid out some of our top tips for hotel credit cards so you can get the most out of yours. 

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Bankrate Insight

Many hotel credit cards offer cardholders a fast-track to elite status, at least one complimentary award night each year or at least enough points in their welcome offers to qualify for free nights. The three main ways to earn free nights at hotels outside of redeeming your rewards are: leaning into hotel loyalty programs, earning sign-up bonuses and via a card’s annual award night perk.

Here’s how a Bankrate expert uses his hotel credit card

Bankrate credit cards writer Ryan Flanigan appreciates the everyday value he can get from the Hilton Honors Amex Surpass. 

This card has great practical use for my everyday needs. I go to this card early and often in the year to earn the free night as quickly as possible. If I spend just in the 6X bonus categories, that’s 90,000 points in my pocket. That’s great value for the annual fee. The quarterly Hilton credits also give me a boost while staying on property. This card can almost always be found in my wallet.

— Ryan Flanigan, Writer, Credit Cards

Learn more about hotel cards and loyalty programs

When it comes to hotel credit cards and travel tips, Bankrate's Travel Toolkit and a huge collection of resources are at your service:


Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

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

How we assess the best hotel credit cards

Document
150+
cards rated
Congrats
50+
rewards programs valued
Search
1800
data points analyzed
Credit Card Reviews
40+
perks evaluated

When evaluating the best hotel cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders, from earning rewards in popular categories to scoring a large sign-up bonus or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

We analyzed over 150 of the most popular cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup of the best hotel cards.

Here are some of the key factors that we considered:

Frequently asked questions about hotel credit cards