Credit Cards
Best hotel credit cards of November 2024
By
Eric Rosen
Eric Rosen
Director of travel content
TPG's director of travel content Eric Rosen has used points and miles to visit some of the world's most remote corners, including swimming with whale sharks off Western Australia's Ningaloo Coast, exploring the wilds of Botswana's Okavango Delta and tasting the high-altitude wines of Argentina's Mendoza region.
and
•Christina Ly
Christina Ly
Credit cards writer
Christina Ly is a writer at TPG. She has covered credit cards and personal finance topics since joining the team in 2022.
Edited by
•Nick Ewen
Nick Ewen
Senior editorial director
Nick Ewen is TPG's senior editorial director and helps readers leverage credit cards (he has 23 of them) and loyalty programs to travel more for less. He's been at TPG for over 11 years.
Reviewed by
Stanley Sanford
Stanley Sanford
Compliance manager
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
Most of the cards we feature here are from partners who compensate us when you approve through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our advertising policy and product review methodology for more information.
At The Points Guy, our team is passionate about maximizing all aspects of travel, and our list of the best hotel credit cards is all you need to decide which one you want to add to your wallet.
Hotel credit cards can be powerful tools to help you secure upgrades and unlock valuable perks such as free stays and complimentary breakfast. If you’re a frequent traveler loyal to one hotel chain, having a cobranded hotel card is a no-brainer. Plus, some hotel credit cards also offer generous welcome bonuses, providing you with an opportunity to rack up points for future stays.
Check out our curated selection and comprehensive guide on some of the best hotel cards from our partners below.
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.
- Citi Strata Premier℠ Card: Best for starter travel
- Capital One Venture Rewards Credit Card: Best for non-bonus spending rewards
- Hilton Honors American Express Surpass® Card: Best for low annual fee
- One Key+™ Card: Best for Expedia enthusiasts
- Chase Sapphire Preferred® Card: Best for travel insurance
- Marriott Bonvoy Boundless® Credit Card: Best for low fee Marriott loyalists
- IHG One Rewards Premier Credit Card: Best for IHG
- Marriott Bonvoy Bold® Credit Card: Best for no annual fee
- Capital One Venture X Rewards Credit Card: Best for premium travel
- The Business Platinum Card® from American Express: Best for business
- One Key™ Card: Best for Expedia loyalists who want a card with no annual fee
- Chase Sapphire Reserve®: Best for travel credits
- The Platinum Card® from American Express: Best for luxury benefits
- Hilton Honors American Express Aspire: Best for Hilton loyalists
- Wyndham Rewards Earner Business Card: Best for business owners who are Wyndham loyalists
- Wyndham Rewards Earner Plus Card: Best for occasional Wyndham guests
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Best for starter travel
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Citi's secure site
Terms & restrictions apply.
See rates & fees.| 10X | Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. |
| 3X | Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. |
| 1X | Earn 1 Point per $1 spent on all other purchases |
Open Intro bonus
For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
75,000 bonus points
$95
20.49% - 28.49% (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.
Pros
- Earn 10 points per dollar spent on hotels, car rentals and attractions when you book through the Citi Travel portal
- Earn 3 points per dollar spent at restaurants, supermarkets, gas and EV charging stations and on air travel and other hotel purchases
- Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year when you book through cititravel.com
- Transfer points to 14 airline programs (including JetBlue), 5 hotel programs (including Wyndham Rewards and Choice Privileges) and one retail program
- Get trip delay protection, trip cancellation and interruption protection, lost or damaged luggage protection and MasterRental coverage for car rentals when you use your card for eligible purchases
Cons
- $95 annual fee
- Airline transfer partners mostly include foreign programs (JetBlue is the only U.S. carrier)
- For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
- Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Best for non-bonus spending rewards
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for Capital One Venture Rewards Credit Card
Apply now
for Capital One Venture Rewards Credit Cardat Capital One's secure site
Terms & restrictions apply.
See rates & fees.| 5 Miles | 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel |
| 2 Miles | 2 Miles per dollar on every purchase, every day |
Open Intro bonus
75,000 miles once you spend $4,000 on purchases within 3 months from account opening
75,000 miles
$95
19.99% - 29.74% (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives. Read our full review of the Capital One Venture Rewards Credit Card.
Pros
- Simple earning structure.
- Multiple transfer partners.
- Flexible redemption options.
Cons
- Lower transfer ratios for select partners.
- Limited bonus categories.
- No U.S. airline transfer partner.
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
Best for low annual fee
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for Hilton Honors American Express Surpass® Card
Apply now
for Hilton Honors American Express Surpass® Cardat American Express's secure site
Terms & restrictions apply.
See rates & fees.| 12X | 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. |
| 6X | 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. |
| 4X | Earn 4X Points for each dollar on U.S. Online Retail Purchases. |
| 3X | Earn 3X Points for all other eligible purchases on your Card. |
Open Intro bonus
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
Earn 165,000 points
$150
20.24%-29.24% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good, Excellent
The Hilton Honors Surpass Card stands out in the crowded mid-tier category of cobranded hotel credit cards. It comes with elite-like perks at a reasonable annual fee. Read our full review of the Hilton Honors American Express Surpass Card.
Pros
- High earning rate.
- Large welcome offer.
- Automatic Hilton Gold status.
Cons
- Annual fee.
- Free anniversary night requires high annual spending.
- Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
- Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
- 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.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
- Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® 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.
- Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $150 annual fee.
- Terms Apply.
- See Rates & Fees
Best for Expedia enthusiasts
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Wells Fargo's secure site
Terms & restrictions apply.
See rates & fees.| 3% | Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo |
| 3% | Earn 3% in OneKeyCash at gas stations, grocery stores, and on dining |
| 2% | Earn 2% in OneKeyCash on other purchases |
Open Intro bonus
Earn $400 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Earn $400 in OneKeyCash™
$99
19.49%, 24.49%, or 29.49% Variable APR
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
The One Key+™ card is the more premium of the two credit card options offered by the Expedia Group, which consists of Expedia, Hotels.com and Vrbo. This card earns 3% OneKeyCash on Expedia, Hotels.com and Vrbo purchases as well as 3% on gas, dining and groceries.
All other purchases earn 2% in OneKeyCash. The card also comes with a fair OneKeyCash welcome bonus after you meet the spending requirements, but it’s worth noting that OneKeyCash can only be redeemed on Expedia, Hotels.com and Vrbo, which makes for very limited redemption options.
Pros
- No foreign transaction fee
- Automatic Gold status
- $100 in OneKeyCash on each cardholder anniversary
- Trip protection coverage, including trip cancellation and interruption
Cons
- Limited earning and redemption options
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn $400 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
- Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo, 3% in OneKeyCash at gas stations, grocery stores, and on dining and 2% in OneKeyCash on other purchases.
- $99 annual fee.
- Get Automatic Gold tier in the One Key rewards program with savings of 20% or more with Gold Member Prices on over 10,000 hotels worldwide. Unlock Platinum when you spend $30,000 per calendar year.
- Get $100 in OneKeyCash each year upon your cardholder anniversary.
- Receive one statement credit up to $120 for Global Entry® or TSA PreCheck®
- No foreign transaction fees.
Best for travel insurance
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Chase's secure site
| 5x | 5x on travel purchased through Chase Travel℠. |
| 3x | 3x on dining, select streaming services and online groceries. |
| 2x | 2x on all other travel purchases. |
| 1x | 1x on all other purchases. |
Open Intro bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 bonus points
$95
20.99% - 27.99% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.
Pros
- Multiple bonus categories.
- Annual hotel statement credit.
- Premium travel protection benefits.
- Valuable transfer partners.
Cons
- Complicated redemption system.
- Annual fee.
- Earn 60,000 bonus points after you spend $4,000 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, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC
Best for low fee Marriott loyalists
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Chase's secure site
| 17X | Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card. |
| 3X | Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. |
| 2X | 2X points for every $1 spent on all other purchases. |
Open Intro bonus
Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!
Earn 3 Free Night Awards
$95
20.99% - 27.99% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
The Marriott Bonvoy Boundless card is an entry-level card that can help travelers dip their toes into the Bonvoy program. The card is best for those who stay at Marriotts, but not enough to take full advantage of Marriott's higher-tier cards. Read our full review of the Marriott Bonvoy Boundless Credit Card.
Pros
- Annual free night certificate.
- Automatic Silver elite status.
- Multiple bonus categories.
Cons
- Few travel perks.
- Annual fee.
- Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
- 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 thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
- No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
- Member FDIC
Best for IHG
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Chase's secure site
| 26X | Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts. |
| 5X | Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. |
| 3X | Earn 3 points per $1 spent on all other purchases. |
Open Intro bonus
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Earn 140,000 Bonus Points
$99
20.74% - 27.74% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
The IHG One Rewards Premier Credit Card is hotel chain’s top-tier cobranded card. The card delivers strong earning rates on IHG purchases, a free anniversary award night and generous sign-up bonus. Read our full review of the IHG One Rewards Premier Credit Card.
Pros
- Multiple earning categories.
- Free night certificate every year.
- Global Entry/TSA PreCheck credit.
Cons
- Few non-IHG redemption options.
- Annual fee.
- 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 $100 ($120 starting 10/1/24) 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 for no annual fee
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Chase's secure site
| 14X | Earn up to 14X total points for every $1 spent at thousands of hotels participating in Marriott Bonvoy®. |
| 2X | Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services. |
| 1X | 1X point for every $1 spent on all other purchases. |
Open Intro bonus
Earn 30,000 Bonus Points after spending $1,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Bold® Credit Card!
Earn 30,000 Bonus Points
$0
20.99% - 27.99% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
The Bonvoy Bold card is the no-annual-fee card option in Marriott’s lineup and offers a way to start earning points and a jump start to elite status. However, it lags behind Marriott’s other card options when it comes to earning rates and perks. Read our full review of the Marriott Bonvoy Bold.
Pros
- 5 elite night credits annually to help earn mid or high tier Bonvoy status
- Automatic Bonvoy Silver Elite status
- Baggage delay insurance, lost luggage reimbursement and trip delay reimbursement coverage
Cons
- Limited perks and meager earning rates
- May not make sense if you don't stay at Marriotts
- There are better Marriott cards if you want higher tier status or benefits
- Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
- Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
- Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
- New! Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
- 1X point for every $1 spent on all other purchases.
- New! Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
- No Foreign Transaction Fees.
- Member FDIC
Best for premium travel
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for Capital One Venture X Rewards Credit Card
Apply now
for Capital One Venture X Rewards Credit Cardat Capital One's secure site
Terms & restrictions apply.
See rates & fees.| 10 Miles | 10 Miles per dollar on hotels and rental cars booked through Capital One Travel |
| 5 Miles | 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel |
| 2 Miles | 2 Miles per dollar on every purchase, every day |
Open Intro bonus
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
Earn 75,000 miles
$395
19.99% - 29.74% (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
740-850Excellent
If you can maximize the $300 credits toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95, the same annual fee pegged to the Capital One Venture Rewards Credit Card (see rates and fees). Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations) and lounge access, and the card may become the strongest option out there for a lot of travelers. Read our full review of the Capital One Venture X Rewards Credit Card.
Pros
- Travel and shopping protections.
- Simple redemption structure.
- Travel credits.
- Anniversary bonus miles.
- Lounge access.
Cons
- High annual fee.
- Travel statement credit only applies through Capital One Travel.
- 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
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- 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®
Best for business
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for The Business Platinum Card® from American Express
Apply now
for The Business Platinum Card® from American Expressat American Express's secure site
Terms & restrictions apply.
See rates & fees.| 5X | 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com |
| 1.5X | Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. |
| 1X | 1X points for each dollar you spend on eligible purchases. |
Open Intro bonus
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Earn 150,000 points
$695
18.74% - 27.74% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good, Excellent
The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more. Read our full review on The Business Platinum Card from American Express.
Pros
- Global Entry/TSA Precheck application credit.
- Elite hotel status.
- Numerous statement credits.
- Travel and shopping protections.
Cons
- High annual fee.
- High spend needed for welcome offer.
- Minimal non-travel bonuses.
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Best for Expedia loyalists who want a card with no annual fee
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Wells Fargo's secure site
Terms & restrictions apply.
See rates & fees.| 3% | Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo |
| 3% | Earn 3% in OneKeyCash at gas stations, grocery stores, and on dining |
| 1.5% | Earn 1.5% in OneKeyCash on other purchases |
Open Intro bonus
Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Earn $300 in OneKeyCash™
$0
19.49%, 24.49%, or 29.49% Variable APR
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
If you’re into booking your travel experiences through Expedia, Hotels.com or Vrbo, the One Key™ Card is a solid product that’ll help you earn rewards within Expedia’s OneKey program — all for no annual fee.
Pros
- Solid earning rates across multiple popular bonus categories
- Easy-to-earn welcome offer
- No annual fee
Cons
- Redemption options limited to OneKeyCash only
- Few added benefits
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
- Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo, 3% in OneKeyCash at gas stations, grocery stores, and on dining and 1.5% in OneKeyCash on other purchases.
- $0 annual fee.
- Get Automatic Silver tier in the One Key rewards program with savings of 15% or more with Silver Member Prices on over 10,000 hotels worldwide. Unlock Gold when you spend $15,000 per calendar year.
- No foreign transaction fees.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
Best for travel credits
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Chase's secure site
| 10x | Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. |
| 5x | Earn 5x total points on flights through Chase Travel℠. |
| 3x | Earn 3x points on other travel and dining. |
| 1x | Earn 1 point per $1 spent on all other purchases. |
Open Intro bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 bonus points
$550
21.99% - 28.99% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
740-850Excellent
The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full review of the Chase Sapphire Reserve card.
Pros
- Multiple transfer partners.
- Annual travel credit.
- Luxury travel perks like lounge access and travel protection.
- Multiple bonus categories.
Cons
- High annual fee.
- Not useful for non-frequent travelers.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
Best for luxury benefits
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Apply for The Platinum Card® from American Express
Apply now
for The Platinum Card® from American Expressat American Express's secure site
Terms & restrictions apply.
See rates & fees.| 5X | Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. |
| 5X | Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. |
Open Intro bonus
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 80,000 points
$695
See Pay Over Time APR
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Read our full review of the Platinum Card from American Express.
Pros
- Lucrative welcome bonus.
- Extensive airport lounge access.
- Luxury travel perks and statement credits.
- Hotel elite status.
Cons
- High annual fee.
- Limited bonus earning categories.
- Complicated credit redemption.
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.¤
- Terms Apply.
- See Rates & Fees
Best for Hilton loyalists
Hilton Honors American Express Aspire
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*The information about the Hilton Honors American Express Aspire has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer.
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
`Go to Review of $Hilton Honors American Express Aspire`
Go to Review
for Hilton Honors American Express AspireInformation updated as of
11/11/2024
| 14X | 14X points on hotels and resorts For eligible purchases at hotels and resorts in the Hilton portfolio. |
| 7X | 7X points on select travel Including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies. |
| 7X | 7X points on dining at U.S. restaurants, including takeout and delivery. |
| 3X | 3X points for each dollar spent on other eligible purchases. |
Open Intro bonus
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 1/8/2025.
Earn 175,000 points
$550
20.24% - 29.24% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
Pros
- Automatic Diamond status
- Free-night certificate every year upon account renewal
- 14 points per dollar spent at eligible Hilton properties
- Various statement credits for select purchases
Cons
- High annual fee
- Many perks limited to Hilton properties
- Statement credits take effort to maximize
The Hilton Amex Aspire could be a perfect fit for even a casual Hilton Honors traveler, as the automatic Diamond status unlocks an array of on-property perks, and the free-night certificate you get every year can (in some cases) cover the card’s annual fee by itself.
Best for business owners who are Wyndham loyalists
Wyndham Rewards Earner Business Card
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*The information about the Wyndham Rewards Earner Business Card has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer.
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
`Go to Review of $Wyndham Rewards Earner Business Card`
Go to Review
for Wyndham Rewards Earner Business CardInformation updated as of
07/29/2024
| 8X | Earn 8 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases. |
| 5X | Earn 5 points per $1 spent on eligible marketing, advertising and utility purchases. |
| 1X | Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation! |
Open Intro bonus
Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days.
45,000 points
$95
21.24% - 29.99 (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good Credit
Pros
- Automatic Wyndham Diamond status
- Go Free award nights cost 10% less
- 15,000 bonus points each anniversary year
- 8 points per dollar on purchases at Hotels by Wyndham and on gas purchases
Cons
- Earns Wyndham points, which you can only redeem through Wyndham Rewards
- Only offers bonus points on purchases in a few spending categories
The Wyndham Business Card is a great option for small businesses that want to earn Wyndham points on their purchases, spend a lot on gas purchases and value having Diamond status. The 15,000 bonus points each anniversary year will offer more value than the $95 annual fee for most cardholders.
Best for occasional Wyndham guests
Wyndham Rewards Earner Plus Card
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*The information about the Wyndham Rewards Earner Plus Card has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer.
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Information updated as of
08/08/2024
| 6X | Earn 6X points on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases. |
| 4X | Earn 4X points on eligible dining and grocery store purchases (excluding Target® and Walmart®). |
| 1X | Earn 1X points on all other purchases (excluding Wyndham Vacation Club down payments). |
Open Intro bonus
Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days.
45,000 points
$75
20.49%, 24.74% or 29.74% variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good Credit
Pros
- Great earning rate on Wyndham stays and gas purchases
- 10% discount on award redemptions by holding this card
- Access to transfer partners
- No foreign transaction fees
- Anniversary bonus points
Cons
- Has annual fee
- No anniversary free night
The Wyndham Rewards Earner is a great option for those who want to earn Wyndham points and receive elite status while paying a low $75 annual fee. We also like the 7,500-point anniversary bonus and a cardmember discount on the best available rate on paid stays.
Comparing the best hotel credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee |
|---|---|---|---|---|
Limited-Time Offer Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Citi's secure site | starter travel | 75,000 bonus points Open Intro bonus For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com. | 1 - 10X points | $95 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Capital One's secure site |