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Check out how to check in with hotel rewards credit cards
A hotel credit card is a type of card that rewards its users for brand loyalty. You earn points in the 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, free room upgrades and access to the hotel chain’s travel partners.
Hotel credit cards can help you make the most of your travel experience, especially if you prefer to stay at the same brand of hotels wherever you travel. Additionally, some general-purpose travel cards have partnerships with certain hotel chains.
Which hotel rewards card is best for you? Read through our guide to help you decide.
Compare Bankrate’s top 2021 hotel credit cards
| Hilton Honors American Express Card |
Hilton card with no annual fee |
7X points per dollar on eligible Hilton purchases |
4.3/5
Read our full review |
| The Hilton Honors American Express Business Card |
Business travel |
12X points on Hilton hotel and resort purchases, 6X points on select business (U.S. gas stations, U.S. cellphone service providers and U.S. shipping purchases) and travel purchases (U.S. restaurants, airfare booked through Amex Travel and select car rentals) with 3X points on all other purchases |
4.3/5
Read our full review |
| Hilton Honors American Express Surpass® Card |
Hotel welcome offer |
12X points per dollar on eligible Hilton purchases |
4.5/5
Read our full review |
| Marriott Bonvoy Brilliant™ American Express® Card |
Loyal Marriott customers |
6 points per $1 at participating Marriott Bonvoy Hotels, 3 points at U.S. restaurants and on flights booked directly with airlines |
4.4/5
Read our full review |
| Marriott Bonvoy Business™ American Express® Card |
Rewards on business spending |
4X points on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping |
4.5/5
Read our full review |
| Capital One Venture Rewards Credit Card |
Flexible travel |
2x miles per dollar on all purchases |
4.6/5
Read our full review |
| Capital One VentureOne Rewards Credit Card |
Flexible travel with no annual fee |
1.25x miles per dollar on all purchases |
4.1/5
Read our full review |
| The Platinum Card® from American Express |
Premium cardholder benefits |
5x points per dollar on flights booked directly with airlines or through American Express Travel (on up to $500,000 in purchases per calendar year) and on eligible prepaid hotels booked through American Express Travel |
4.8/5
Read our full review |
| The Business Platinum Card® from American Express |
Flexible business travelers |
5x points per dollar on flights and prepaid hotels booked through Amextravel.com |
4.7/5
Read our full review |
A closer look at our top hotel credit cards
Hilton Honors American Express Card
Why it’s the best no-annual-fee Hilton card
Earning 7X points on eligible purchases charged directly with a hotel or resort within the Hilton portfolio, 5X points at U.S. supermarkets, U.S. gas stations and U.S. restaurants and 3X points on all other purchases, this card offers generous rewards rates for no annual fee. New cardholders also have the opportunity to earn 80,000 Hilton Honors Bonus Points after making $1,000 worth of eligible purchases in their first 3 months of card membership. Well-rounded rewards are hard to come by with a no-annual-fee hotel card, but you may want to look elsewhere if you insist on elite benefits.
Read our Hilton Honors American Express Card review.
The Hilton Honors American Express Business Card
Why it’s best for business travel
This card features high rewards rates across several categories: 12X points on purchases made through Hilton hotels and resorts, 6X points on select business and travel purchases (including U.S. shipping, airfare booked through Amex Travel or with airlines, U.S. restaurants and U.S. cellphone service providers), as well as 3X points on all other purchases. Although it does have a $95 annual fee, new cardholders can partially offset the first-year cost by earning the welcome offer of 130,000 Hilton Honors Bonus Points after spending $3,000 in their first 3 months of card membership. After the first year, the rewards rates and benefits should do a lot to cushion the blow.
Read our Hilton Honors American Express Business Card review.
Hilton Honors American Express Surpass® Card
Why it’s the best hotel welcome offer
As a huge welcome offer, this card provides the opportunity to earn 130,000 Hilton Honors Bonus Points after making just $2,000 in purchases in your first 3 months of card membership. The comparatively modest spending requirement helps make this welcome offer quite valuable. In addition, the card earns 12X points per dollar on purchases at Hilton hotels and resorts, 6X points at U.S. restaurants and U.S. supermarkets, and U.S. gas stations and 3X points on all other purchases. The annual fee is $95, but frequent travelers who make Hilton their number one choice can get a lot of value out of this card.
Read our Hilton Honors American Express Surpass® Card review.
Marriott Bonvoy Brilliant™ American Express® Card
Why it’s best for loyal Marriott customers
With this premier Marriott credit card, you’ll get up to $300 in annual Marriott Bonvoy hotel statement credits each year, up to $100 credit when booking a stay at The Ritz-Carlton or St. Regis for at least two nights, a Free Night Award after your card account anniversary, complimentary Marriott Bonvoy Gold Elite status and more. The card does feature a steep annual fee of $450, but it’s counterbalanced with a slew of benefits and generous rewards rates. Cardholders can earn 6X points at participating Marriott Bonvoy hotels, 3X points at U.S. restaurants and on airfare booked directly through airlines, plus 2X points on other purchases.
Read our Marriott Bonvoy Brilliant American Express Card review.
Marriott Bonvoy Business™ American Express® Card
Why it’s best for rewards on business spending
On top of the 6X points at eligible Marriott locations and 4X points at U.S. restaurants and U.S. gas stations, this card features generous rewards rates in other categories that make a big difference in your business. Earn 4X points on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping, plus 2X points on all other purchases. Although the card has an annual fee of $125, automatic Silver Elite status and other benefits can deliver a lot of compensatory value.
Read our Marriott Bonvoy Business™ American Express® Card review.
Capital One Venture Rewards Credit Card
Why it’s best for flexible travel
With a simple rewards program that earns 2X miles on every eligible purchase, the Capital One Venture might seem like an unremarkable card at first glance. Look deeper and you’ll see a lot of flexibility in how you can use your miles, including booking travel through the Capital One portal, getting a statement credit for eligible travel purchases made within the last 90 days and transferring miles to more than ten10 airline and hotel partners. If you value flexibility in redeeming your travel rewards, the $95 annual fee just might be a worthwhile expense.
Read our Capital One Venture Rewards Credit Card review.
Capital One VentureOne Rewards Credit Card
Why it’s best for flexible travel with no annual fee
The VentureOne is a great card for those who like plenty of rewards redemption options but don’t like annual fees. It’s similar to the Capital One Venture card in terms of rewards flexibility — booking travel through Capital One, receiving a statement credit for travel purchases made within the last 90 days, transferring miles to airline and hotel partners and so on. The VentureOne’s rewards rate per dollar is lower (1.25X miles vs. the Venture card’s 2X miles), but you won’t have the cost of an annual fee.
Read our Capital One VentureOne Rewards Credit Card review.
The Platinum Card® from American Express
Why it’s best for premium cardholder benefits
With this card, travelers will enjoy premium benefits that are simply unavailable elsewhere. The $550 annual fee is a considerable cost, but in return cardholders receive a sweeping array of perks. They include complimentary Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status, access to American Express Global Lounge Collection® lounges on flights booked with your Platinum card, American Express Platinum Concierge and much more. Combined with its impressive rewards rates, the Platinum card’s premium benefits make it a prime choice for top-flight travel experiences.
Read our The Platinum Card® from American Express review.
The Business Platinum Card® from American Express
Why it’s best for flexible business travelers
With the Amex Business Platinum card, you can redeem the American Express Membership Rewards you earn for travel and rental cars booked through AmexTravel.com and transfers to Amex airline and hotel partners, as well as statement credits, gifts cards and merchandise. Given the generous rewards rates, your earning potential is quite high. Despite the $595 annual fee, frequent business travelers should find it easy to get maximum value.
Read our The Business Platinum Card® from American Express review.
How do hotel credit cards work?
There are essentially two types of hotel credit cards. One is a co-branded hotel card that works through a partnership between an issuer and popular hotel brand. When you receive the card, you’re enrolled in the hotel’s loyalty program. The other is a general travel card that offers hotel-related perks but isn’t associated exclusively with a single chain.
You earn points with a hotel credit card each time you use it to make a rewards-eligible purchase. Depending on the card, these purchases could include hotel stays, airfare, meals at restaurants or everyday purchases outside the specific rewards categories.
How to choose the best hotel credit card for you
Choosing the right card for you comes down to how much flexibility you need from your rewards.
If you don’t always stay with the same hotel brand when you travel, you’ll probably find more value in a general travel card that offers a lot of redemption flexibility. However, those who frequently stay with the same brand might get more out of a co-branded card that offers perks such as elite status and free nights.
Questions to ask before applying for a hotel card
- How often do you stay at hotels? Estimate how much you spend on hotel stays in a typical year. Even if it’s just a few thousand dollars, the rewards you earn with a hotel card could be economically worthwhile.
- Which hotel chain do you prefer? Credit card issuers tend to partner with national and international brands rather than smaller, regional chains. Most hotel credit cards carry the names of chains such as Hilton, Marriott, Hyatt and Radisson.
- What are your travel goals? If you like a bit of luxury, choose a card with the most generous room upgrade benefits. If you’re more of a no-frills traveler, look for value over perks.
- What other rewards credit cards do you already have? Having a general-purpose travel card might be enough for a casual traveler who isn’t dedicated to any particular hotel brand.
The answers to these questions will help you find the best hotel credit card for you. The right card will give you benefits you actually use, upgrade your travel experience during every trip and complement the benefits that you get from other credit cards.
Are hotel credit cards worth it?
There are certainly advantages and disadvantages to co-branded hotel credit cards. Whether or not one is the right choice for you really depends on your hotel booking habits.
Advantages:
- Welcome bonuses. Hotel cards regularly offer high welcome bonuses for those who hit qualifying spends. These bonus points are often worth multiple free nights at a hotel, depending on where you’re staying.
- High rewards rates. A co-branded card will most likely offer a higher-than-average rewards rate compared to a general credit card. Most of the time, they’ll offer anywhere from 5x points to 15x points on brand-specific purchases.
- Perks you won’t find anywhere else. Late check-in, complimentary breakfast, and room upgrades are pretty standard across co-branded hotel credit cards. Hotel cards also offer expedited pathways to elite status, which can come with even more specialty perks.
- Rewards increase with spending. Hotels with loyalty program tiers reward customers with greater benefits for greater spending.
- Convenience. A hotel credit card offers a convenient way to book your hotel stays and earn hotel-specific rewards all at the same time.
Disadvantages:
- Complicated rewards structures. To get the most from your card, you will have to be a member of hotel loyalty programs. Plus, the award price for free nights varies greatly depending on a variety of factors, including time of year and award availability.
- Devalued points. It’s easier to rack up a lot of points with co-branded hotel cards, but those points are not worth as much as general travel card points/miles.
- Limited redemption options. You’re only getting real value from your hotel points when you redeem them for award night stays. Although you can usually transfer hotel rewards points to partnering airlines for discounts on flights, points lose their value dramatically when used that way.
- Annual fees & high APR. 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. Make sure you don’t carry a balance either, as APRs are typically on the higher side.
Co-branded hotel cards vs general travel cards
General-purpose travel cards generally offer a less lucrative rewards structure, but they often compensate with greater flexibility and more consistency in redemption values.
For example, the Capital One Venture earns 2x miles on every purchase. Those miles can be used as a statement credit for just about any travel expense. The card also comes with nice perks like a statement credit (up to $100) for your Global Entry or TSA PreCheck application fee.
A card like the Hilton Honors offers 7x points on eligible purchases directly from Hilton, plus bonus points in other categories. Cardholders receive automatic Silver status, plus an upgrade to Gold status through the next calendar year after you spend $20,000 on eligible purchases with your card in a calendar year. Elite status offers bonus points on every stay, late check-out, 5th reward night free (when booking a rewards stay for five consecutive nights or more using points), elite tier rollover nights and more.
If you travel frequently and prefer a certain hotel, opt for their co-branded card. If you’d rather keep a flexible rewards program rolling, go for the general travel card.
Pairing a general card and a co-branded card is also an option for those who want the best of both worlds. The Hilton Honors card doesn’t come with an annual fee, which makes it a great card to pair with the Capital One Venture or Chase Sapphire Preferred® Card.
How to get free nights at hotels
Getting free nights, sometimes called reward nights, at your favorite hotel chain is one of the most straightforward benefits of a hotel credit card. How you earn that benefit varies depending on the card and its associated loyalty program.
Here’s a list of a few ways you could enjoy a free stay:
Earning points
Under the typical hotel loyalty program, a free stay is one of the options for redeeming your points. The required number of points usually runs in the thousands — 10,000, 20,000 or higher.
Sign-up bonus
Some hotel credit cards offer a free-night bonus for opening an account rather than awarding points. As with any sign-up bonus, you have to meet the spending requirement during the specified period of time after signing up.
Cardholder anniversary
Depending on your card, you might be eligible for a free night every year on the anniversary of becoming a cardholder. If the card has an annual fee, the yearly free stay could offset that cost.
Loyalty program status
Some hotel loyalty programs have different levels, or tiers, of membership. Earning “elite” status could make you eligible for additional free nights.
Despite their undeniable appeal, remember that free hotel stays may be subject to certain restrictions, including location and room availability. Read your loyalty program’s terms and conditions carefully, and contact the hotel where you want to redeem your free night before booking to avoid surprises.
How to earn elite status with a hotel loyalty program
In most cases, the road to elite status runs through frequent use. You become eligible after you stay a required number of nights in a year. One example is Marriott Bonvoy:
| Member |
0-9 |
| Silver Elite |
10-24 |
| Gold Elite |
25-49 |
| Platinum Elite |
50-74 |
| Titanium Elite |
75-99 |
| Ambassador Elite |
100+ |
However, you might be able to find a shortcut to elite status through a credit card offer. Examples of cards that offer complimentary elite status for becoming a cardholder include:
The information about the IHG Rewards Club Premier Credit Card, the Marriott Bonvoy Boundless, the Radisson Rewards Premier Visa Signature Card and the World of Hyatt Credit card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
How to maximize hotel rewards points
Hotel credit cards are only worth it when you take full advantage of the hotel rewards programs and associated perks that come with earning hotel rewards. Here are a few tips on how to get the most out of your card and the points you’ll earn:
- Make sure you’re a member of the associated hotel rewards program. They’re free to sign up for and will provide you with extra resources on how to get the most out of your booking. As a loyalty member and co-branded cardholder, you’ll earn points in two ways for every stay.
- Pair multiple credit cards. Your new hotel credit card will give you big point totals for hotel purchases, but not necessarily on everything else. Hotel cards are excellent complementary cards—use them in addition to cash back cards and other travel cards with higher rewards rates on spending in other categories.
- Book directly through the hotel or issuer’s shopping portal. You usually glean extra value by booking your room through the hotel’s website or an issuer’s shopping portal, like Chase Ultimate Rewards. Booking through third-party sites may not qualify for the expected rewards rate.
- Use your rewards. While it can be tempting to hoard points for a huge payout, it’s actually much smarter to redeem more frequently. Award night pricing changes often, especially for hotels that have dynamic pricing. When a deal comes your way, take advantage of it.
CardSmart: Earning travel rewards with vacation rental bookings
Vacation rentals from services such as Airbnb and VRBO can provide more than just the cozy amenities of home, but are you sacrificing travel rewards when you don’t stay at a chain hotel? Not necessarily.
With the right travel rewards credit card, you could earn miles or points as you enjoy the personal touch of a vacation rental booking. Check out these Bankrate resources for:
Canceled trip? Find out how to get a refund for an Airbnb cancellation.
Frequently asked questions about hotel refund and transfer policies
Do hotel points expire?
Hotel rewards points don’t usually expire if your account is open, active and in good standing, although terms and conditions vary by program.
The reason for expired points is frequently the consumer, not the company. A Bankrate.com survey found that nearly half of hotel and airline loyalty program members (46%) had let their rewards expire at some point.
Here’s a chart with rewards expiration policies for several popular hotel loyalty programs:
| Hilton Honors |
Rewards expire after 12 months of no qualifying activity |
| IHG Rewards Club |
Rewards expire after 12 months of no qualifying activity |
| World of Hyatt |
Rewards expire after 24 months of no qualifying activity |
| Marriott Bonvoy |
Rewards expire after 24 months of no qualifying activity |
| Wyndham Rewards |
Rewards expire after 18 months of no qualifying activity, and after 48 months regardless of activity |
Keep in mind that “qualifying activity” is pretty broad. While the exact terms vary from program to program, usually any sort of account activity will keep your account active — including earning points, redeeming points and transferring points.
Bankrate guides to hotel loyalty programs
Learn more about some of the programs that reward hotel customers who stay loyal to their favorite brands.
Do hotel credit cards reimburse you for cancellation?
Getting reimbursed for canceling a hotel reservation depends largely on:
- The hotel chain
- Which card you booked with (or if you booked with rewards)
- The advance notice you’re giving before cancellation
- The circumstances of your cancellation
Typically, hotels charge a fee if you cancel within two days of your reservation, so you’ll want to see if you can get a cancellation fee waiver. Common hotel card benefits usually include statement credits and later check-in for the respective chain, which can help alleviate costs like cancellation fees and resort fees. However, hotel cards themselves usually don’t waive cancellation fees as a benefit.
Fortunately, many major hotel chains are currently reimbursing reservations and waiving cancellations for bookings made from March 30 through June in some cases — as long as you provide at least 24 to 48 hours’ notice, depending on the hotel. Check in with Bankrate’s guide to hotel cancellation policy changes to stay informed about recent changes.
Are hotel points transferrable to use for anything else?
In some cases yes, but transfer and redemption options generally aren’t very flexible. Several hotel loyalty reward programs allow you to transfer points to partner airlines or redeem for travel, gift cards and merchandise, but you typically lose a lot of value in translation.
Here’s an overview of transfer and redemption options for two popular rewards programs:
Marriott Rewards points can be used for booking over 200 airlines and car rental companies across the globe, but booking air travel or rental cars through the Marriott Air and Car Program reduces the estimated point value by about one-half. The same loss in point value applies when you redeem points toward a free cruise with Marriott Cruise With Points.
Marriott Bonvoy members can also redeem points for travel experiences, merchandise and gift cards at a lower value. Instead, you may want to consider either transferring points to any of Marriott’s 43 partner airline loyalty programs or pooling/gifting them.
Likewise, Hilton Honors rewards are best used for free nights if you don’t want to lose point value. Your rewards can also be used toward travel experiences through Hilton, Lyft rides and rental cars, or even toward Hilton event credits in case you have a private party or business event coming up.
Hilton has 42 airline and rail partners to transfer points to, but your non-travel redemption options extend to merchandise and gift cards through Hilton’s online mall or Amazon.com purchases.
Are travel rewards more flexible than hotel rewards?
Because of the way travel rewards work, you may find a bit more reward redemption flexibility outside hotels with general travel cards. Examples include the Capital One Venture Rewards Credit Card and The Platinum Card® from American Express. Non-branded, general-purpose ravel cards can also provide more robust perks like travel insurance.
Just like with branded hotel cards, you can use points or miles on rooms, airfare, rental cars and other travel packages with these cards. Outside of gift cards, merchandise and online retailer purchases, Capital One Miles and American Express Membership Rewards can also be redeemed for cash back toward everyday purchases. Both allow point/mile transfer to partner airline and hotel loyalty programs — Capital One has 10+ miles transfer partners while American Express has 19 airline and three hotel partners — at possibly better rates than hotel branded cards (1:1 value with many Platinum Card partners).
Can you earn hotel points from home?
Yes, you can. Some flat-rate travel cards earn miles/points on any purchase, but certain co-branded hotel cards also earn points on non-travel purchases. With hotel cards, though, you typically earn the highest rewards rate for hotel purchases.
If you’re not sure you’ll be making enough hotel bookings to justify an annual fee, the Hilton Honors American Express Card is an example of a co-branded hotel card that offers generous rewards rates in multiple non-travel categories: 5 points per dollar at U.S. supermarkets, U.S. gas stations and U.S. restaurants and 3 points per dollar on other purchases. Whenever you do travel, the card earns 7X Hilton Honors bonus points per dollar spent at Hilton hotels and resorts.
One thing to keep in mind, though, is that Hilton Honors points have about half the estimated value of typical hotel rewards points.
How we chose our list of best hotel cards
Our credit card experts can help you find a top-rated hotel card to help you fund your next family vacation, business trip or overseas getaway.
The best hotel rewards card is one that accommodates your personal travel needs. There’s not much reason to accrue Hilton Honors points if you frequently find yourself in Starwood-Marriott locations. Our 5-star scoring system takes a host of elements into account, but for hotel credit cards, we’ve emphasized:
Rewards value and redemption flexibility
Some cards offer the capability to transfer hotel points to different chains while other cards have their rewards tied to specific loyalty programs, To help you earn the most rewards possible, at the highest redemption value, we comb through the numbers to rank each card on the value that each swipe brings.
Annual fee
A lot of high-end hotel rewards cards charge fees, but offset this cost with luxury benefits like free room upgrades and trip insurance. We examine how each of these add-ons as we determine whether the annual fee is worth the cost.
Sign-up bonus
Sign-up bonuses offer an easy way to earn hotel points. Within three months, you can hit the spending requirement and quickly amass enough points to redeem for a free night. We compare each of these welcome bonuses as we determine which cards deliver the strongest offerings on the market.
Learn more about hotel cards and loyalty programs
When it comes to hotel credit cards and travel tips, Bankrate has a huge collection of resources at your service:
Senior Editor Barry Bridges has been writing about credit cards, loans, mortgages and other personal finance products for Bankrate since 2018. His work has also appeared on websites including Nasdaq.com, Zillow.com and The Simple Dollar. He was previously an award-winning newspaper journalist in his native North Carolina. Send your questions about credit cards (and fantasy baseball) to bbridges@bankrate.com.
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