Best Hotel Credit Cards for August 2022

Credit Card Intro Offer Rewards Annual Fee Regular APR Our Recommend Minimum Credit Score
Marriott Bonvoy Boundless

Best Overall, Best for Marriott
For a Limited Time Only, earn 5 Free Nights (each night valued up to 50,000 points) after qualifying purchases. Earn 3X Bonvoy 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. Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy(R) with the Marriott Bonvoy Boundless(R) Card. 2X Bonvoy points for every $1 spent on all other purchases $95 17.49%–24.49% variable APR 670
Marriott Bonvoy Business American Express

Best Business Hotel Card
For a limited time, earn 125,000 Marriott Bonvoy Bonus Points after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership (Offer expires 8/31/22) Earn 6x points at hotels participating in the Marriott Bonvoy(TM) program. Earn 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 $125 17.99% to 26.99% variable 670
World of Hyatt

Best for Points Value
30,000 points after $3,000 in 3 months 2x points on first $15,000 spent on non-bonused purchases in 6 months 4 bonus points on Hyatt for 9 total per dollar, 2x transit, restaurant, gyms, airfare 1x all else $95 17.49% to 24.49% variable 670
Hilton Honors American Express Surpass Card

Best for Hilton
Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. 12x Hilton 6x U.S. restaurants, supermarkets, gas stations 3x all else $95 17.99% to 26.99% variable 670
IHG Rewards Club Premier

Best for IHG
140,000 bonus points plus a free reward night after spending $3,000 on purchases within the first three months of account opening Earn up to 26 points total per $1 spent when you stay at an IHG hotel. Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases. $99 17.49% to 24.49% variable 670
Chase Sapphire Reserve

Best General Hotel Card
50,000 points after $4,000 in 3 months Earn 10x total points on chase Dining purchases with Ultimate Rewards®. Earn 5x total points on flights and 3x on other travel worldwide. Earn 3x points on other dining at restaurants, including eligible delivery services, takeout and dining out. Plus, earn 1 point per dollar spent on all other purchases $550 16.74% to 23.74% variable 800
Wyndham Rewards Earner Card

Best for No Annual Fee
30,000 points after spending $1,000 in 90 days Earn 5 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases. Earn 2 points per $1 spent on eligible dining and grocery store purchases (excluding Target® and Walmart®). Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments) $0 17.24%, or 26.49% variable APR 690
Best Western Rewards Mastercard

Best for Budget
40,000 points after $1,000 in 3 billing cycles 13x Best Western 2x all else $0 21.24% to 25.24% variable 670
Hotels.com Rewards Visa

Best for Flexibility
Limited time offer: 2 reward nights worth $250 after $1,000 in 3 months Every $500 earns 1 stamp, plus earn 1 stamp for each Hotels.com night you book $0 17.24% to 25.24% variable No Recommendation


Editorial Choices for the Best Hotel Credit Cards

Marriott Bonvoy Boundless

Best Overall, Best for Marriott

The Marriott Bonvoy Boundless Card provides new cardholders with 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases. Plus, you’ll receive automatic Silver Elite status and a free night worth up to 35,000 each year when you renew your card.

Read the Full Marriott Bonvoy Boundless Review.

Best for Marriott

Enjoy a free night award worth up to 35,000 points every year on your account anniversary. Receive automatic Silver Elite status and 15 Elite Night Credits toward higher status levels.

Read the full Marriott Bonvoy Boundless™ Credit Card Review.

Marriott Bonvoy Business™ American Express® Card

Best Business Hotel Card

Enjoy automatic Marriott Bonvoy Silver Elite status and one free award night every year after your account anniversary. Earn a second free night when you spend $60,000 on your card in a calendar year.

Read the full Marriott Bonvoy Business™ American Express® Card Review.

World of Hyatt Credit Card

Best for Points Value

Includes one free reward night when you renew the card and the opportunity to earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year. Includes automatic Discoverist elite status as a cardholder.

Read the full World of Hyatt Credit Card Review.

Hilton Honors American Express Surpass Card

Best for Hilton

Receive automatic Hilton Honors Gold status and upgrade to Diamond status with $40,000 in purchases in a calendar year. Earn 12x points per dollar at Hilton hotels and resorts.

Read the full Hilton Honors American Express Surpass Card Review.

IHG Rewards Club Premier Credit Card

Best for IHG

Receive one free night worth up to 40,000 points each year you renew the card. Get the fourth night free when booking reservations with points.

Read the full IHG Rewards Club Premier Credit Card Review.

Chase Sapphire Reserve

Best General Hotel Card

Earn 10x total points on chase Dining purchases with Ultimate Rewards®. Earn 5x total points on flights and 3x on other travel worldwide. Earn 3x points on other dining at restaurants, including eligible delivery services, takeout and dining out. Plus, earn 1 point per dollar spent on all other purchases.

Read the full Chase Sapphire Reserve Review.

Wyndham Rewards Earner Card

Best for No Annual Fee

Travelers looking for a no-fee hotel card will enjoy the 30,000 bonus points that come with the Wyndham Rewards Earner Card after spending just $1,000 in 90 days, which is enough for up to four free nights at participating properties. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.

Best Western Rewards Mastercard

Best for Budget Hotel

Automatic Gold status and no blackout dates for redeeming points. Discount of 10% off room rates as a cardholder.

Read the full Best Western Rewards Mastercard Review.

Hotels.com Rewards Visa Credit Card

Best for Flexibility

Get two reward nights worth up to $125 each after spending $1,000 in three months. Includes cell phone insurance when paying your bill with the card.

What Are Hotel Credit Cards?

Hotel credit cards are general-use cards that allow consumers to earn points with specific brands of hotels that have partnered with credit card issuers. Points rewards are typically highest for hotel-related spending; after that, you typically earn one point per dollar spent on all other purchases, which is the norm for this type of rewards card.

Points earned with co-branded hotel cards can then be used to book award nights with the hotel chain. The points cost per night usually varies by the property and is displayed on the location’s reservation website. Many hotel credit cards offer one-time introductory points bonuses provided you spend a designated amount within a certain time, which is often three months. The bonuses can easily be worth several nights in stays, depending on the level of hotel property you choose. Some cards also come with recurring annual bonuses of a hotel night, typically on your annual anniversary with the card. Annual fees are common with this type of card, but can generally be justified by the value of the benefits you receive. Aside from bonuses and rewards on spending, these can include elite status that earns you higher spending rewards and other perks such as complimentary room upgrades.

Most hotel credit cards are issued as co-branded partnerships between a major hotel brand, such as Hyatt, Marriott, or IHG, and a large national card issuer, such as Chase, Citi, or American Express.

Since some general travel cards offer extra rewards for hotel purchases, we also analyzed those in that category that earned points that can be redeemed for hotel stays. However, none of them made the cut among our top choices, since all proved less desirable overall than the best co-branded hotel cards.

How Do Hotel Credit Cards Work?

Hotel credit cards aim to incentivize and reward hotel stays by offering higher rewards for hotel brand-specific hotel purchases. Additionally, most hotel credit cards give automatic elite status to cardholders to further incentivize them to stay at the hotel’s properties. These perks may include late check-out, early check-in, free breakfast, complimentary upgrades, and more.

The value of each hotel’s points varies from brand to brand. An Investopedia analysis of the value of points across hotel brands reveals a range of more than five times, from Radisson at a meager 0.42 cents per point to Hyatt at the top of the range at 1.88 cents. When scoring hotel cards, we take into account both the value of points and how easily they can be earned.

Points from hotel credit cards generally have the most value when redeemed for stays with the associated hotel brand. Some hotel chains allow you to transfer points to the loyalty programs of other hotel or airline partners, but the transfer ratio is generally so low that this is rarely a lucrative option.

What Are the Benefits of a Hotel Credit Card?

Hotel credit cards typically offer numerous benefits when booking reservations at one of the hotel’s properties. A few of the typical benefits that the best hotel credit cards offer are:

  • Automatic elite status
  • Ability to earn higher levels of elite status based on your spending
  • Elite night credits toward higher elite status
  • Earning more points on every dollar that you spend at the hotel
  • An annual free night when you renew the card or when you meet spend requirements each year
  • No foreign transaction fees

In addition to earning more points on your hotel purchases, some hotel credit cards also offer a bonus when spending on other categories popular with travelers. These categories can include dining, gas stations, flights, and more.

To maximize the benefits of your hotel credit card, stay with that hotel’s brands as often as possible and use your card to pay for the room and your on-site meals. Your elite status will provide valuable benefits and you’ll earn a higher number of points for your spending.

Who Are Hotel Credit Cards Best Suited For?

If you have an affinity for a certain hotel brand, this card type can allow you to achieve instant recognition and consideration. Many hotel credit cards confer automatic elite member status, which otherwise could take years to achieve.

Frequent Travelers

If you travel often for business or leisure, hotel stays are inevitable. A hotel card presents an opportunity to focus your spending on a national chain and turn it into award nights and other benefits.

International Travelers

With so many U.S. chains having an international presence, a hotel rewards card offers an ideal opportunity to earn points on domestic and international business travel that you can use to reduce the cost of a personal trip abroad.

Loyalty Status Seekers

If you have an affinity for a certain hotel brand, this card type can allow you to achieve instant recognition and consideration. Many hotel credit cards confer automatic elite member status, which otherwise could take years to achieve.

Rewards Strategists

Those who relish the strategic challenge of earning the maximum return on card rewards will find satisfaction with a hotel card. All rewards programs are based on points, the required points vary by property, and special offers are frequent—all of which can keep rewards aficionados fully engaged in the work of making the most of their hotel spending.

Who Is a Hotel Credit Card Not Suited For?

The Annual-Fee-Averse

Since co-branded hotel credit cards carry annual fees, there are better options for those who are allergic to fees.

Borrowers/Revolvers

Hotel credit cards tend to have higher APRs and don’t offer balance transfer opportunities, so this type of card is not a good fit for those who carry a balance each month or several times a year.

Credit Builders

Hotel cards typically require credit scores that are in the range of “Good” to “Excellent” or better, so it makes little sense for those with a less-than-stellar credit history and score.

How Do You Maximize Hotel Credit Card Rewards?

  • Meet the initial spending required to earn any one-time introductory bonuses.
  • Redeem any initial or annual night awards, as they often expire if not used.
  • Stay at the hotel brand associated with the card whenever possible.
  • Avoid carrying a balance on the card, since interest charges will essentially negate any rewards or bonuses you’ve earned.
  • Consider using online shopping apps and portals that may add their own rewards to those you earn from the hotel chain.

What Credit Score Do I Need to Qualify for a Hotel Credit Card?

The hotel credit cards on this list usually require a credit score of at least 670 or higher, generally considered in the “Good” range. With a good credit score, you can take advantage of the perks from the hotel credit cards on this list, including automatic elite status, annual free nights, and bonus points on your eligible spending. If your credit score is below these levels, you can learn how to improve your credit score, then apply again when the time is right.

To apply for one of the best hotel credit cards, click on one of the links above, then have the following information ready to submit:

  • Name, address, telephone, and email
  • Social Security number and date of birth
  • Employer name and annual income
  • Hotel loyalty number (if you don’t have one, it will be assigned to you)

After receiving your approval, pay attention to the required minimum spending amount and time frame to ensure that you receive your one-time bonus. If applicable, track your spending for additional benefits earned based on your purchases.


Methodology

To find the best hotel credit cards, we gather data points from hotel and general travel cards. This data includes standard credit card features such as annual fees, earning power, welcome bonuses, interest rates, and other hotel-specific perks, like elite status, annual free nights, and travel credits. Each data point is assigned a score and ranked for its importance to different types of travelers. This list represents our choices for the best credit card for each category of hotel traveler. We continuously monitor data from card issuers to update our rankings and provide the most up-to-date advice possible for our readers.

MEET OUR CREDIT CARDS EXPERT

Ben Woolsey is Investopedia’s Senior Editor for Credit Cards. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content for CreditCards.com and Bankrate.com.

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