After 20 hours of research evaluating 112 products, we picked Barclaycard Arrival Plus® World Elite Mastercard® as our top choice.
You probably spend too much time at your job - despite what your boss thinks.
The average American works more than 40 hours per week with some racking up a whopping 100 hours a week. This leaves little time for the fun stuff.
Okay, but what’s the solution?
First, we believe you should always plan for the fun stuff. Second, it may pay off in spades to have the best hotel credit card you can find to help you afford the fun stuff when you can.
Additionally, there is something so delicious about collecting free hotel nights while you are just "living life". And, if you carefully choose from one of the best hotel credit card options available you can maximize those free stays.
Let's face it, hotel credit cards are one of the coolest ways to spend money you are going to spend anyways.
We’ve just got one piece of unsolicited advice: Take more vacation time. You deserve an enjoyable vacation, whether you take a family cruise after visiting Disneyland with your kids or collect stamps on your passport during a trip abroad with your sweetheart.
What's the bottom line?
Regardless of what you're looking for, we’re here to help! We’ve compiled a detailed list of travel-friendly cards to help you choose the best hotel credit credit card for your getaway. Scroll through our top picks for hotel credit cards below and pick the one that you believe suits your needs. Bon voyage!
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
This article was last updated September 3, 2019 but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.
Application Process: Online, through Chase.
Rewards: Earn 2X points on travel and dining purchases worldwide, and 1 point per dollar spent elsewhere.
Bonus Offers: Earn 50,000 rewards points for every $4,000 spent for the first three months, which is $625 towards travel when redeemed through the Chase Ultimate Rewards program. If you add an authorized user who makes a purchase within the first 3 months, you’ll earn an additional 5,000 points.
Annual Fee: $0 for the first year, then $95.
Details:Chase Sapphire Preferred® »
This card stands out thanks to a high rewards rate of 2x the miles per $1 spent, plus flexible, user-friendly redemption options. Like many of the other best Capital One credit cards, the use of this card means no foreign transaction fees—a perfect pair with mileage-focused rewards points.
If you’re a frequent traveler, you might be deterred from this card because of the fact that it offers no airline specific perks. You may be better off with more specific airline credit cards. Furthermore, you won’t get a lot out of this credit card if you’re looking for general cash back benefits—this is a card whose strength lies in travel.
Application Process: Apply for your shiny new credit card on Capital One’s website and receive a decision within seconds.
Annual Fee: This credit card comes with a fee of $95 per year, but you’ll get a free pass during your first year of use.
Rewards and Redemption Options: There are two ways to claim rewards when using this card:
What makes Capital One’s Purchase Eraser different than the standard option is that there is no minimum for full travel statement credit options, just a 2,500 mile minimum for partial travel credit redemptions. This means that you can redeem at least $25 to help offset costs for more expensive tickets.
Bonus Offers: Capital One offers a one time bonus of 50,000 miles for every $3,000 spent in the first 3 months of account opening, or $500 in rewards.Details:Capital One Venture Rewards Card »
Great hotel credit card if you intend on long-term use.
Charges a foreign transaction fee, which is uncommon for travel credit cards. Radisson Rewards points are worth roughly 0.5 cents apiece on average, which is much lower than what other travel cards offer.
15.49% to 24.49%
10 points per $1 spent in eligible net purchases at participating Carlson Rezidor hotels, 5 points per $1 spent in eligible net purchases everywhere else.
Receive 50,000 Gold Points after your first purchase plus 35,000 points once you spend $2,500 on your card within the first 90 days.
Also, you'll receive 40,000 renewal bonus points each year when you pay the annual fee.
Apply online or over the phone and get a response immediately.
No foreign transaction fees, platinum Elite status remains active as long as you are a Premier card member, and Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years helps offset the application fee.
Earn 10 points per $1 spent at an IHG hotel and 2 points per $1 spent at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other qualifying purchases.
It's $89, which is average compared to other cards on our list.
Earn 80,000 bonus points when you spend $2,000 on purchases within the first three months.
Apply online via Chase's website and receive an instant decision unless additional information is needed.
No foreign transaction fees, you aren't restricted to a single hotel chain, and rewards are also available for everyday purchases.
Orbucks are only good for hotel bookings, not general rewards. Also, maximizing rewards can get confusing due to the card's booking and usage requirements.
Rack up as much as 10% Orbucks for hotel stays - 5% per qualifying purchase, plus an additional 5% for Orbitz bookings. All other eligible purchases qualify for 2% back via Orbucks.
Orbucks are automatically deposited within two statement cycles, so you don't have to worry about remembering to redeem your rewards.
None - which is surprising for a hotel credit card with such generous rewards.
Get a $100 statement credit if you spend at least $1500 during your first 90 days as a cardholder.
Apply online through Comenity, a company that typically focuses on store-branded credit cards.
No annual fee, instant Silver status with Hilton, and an opportunity for Gold status.
Hilton points are worth roughly 0.5 cents apiece on average, giving you less value than many other travel credit cards. Additionally, the card's APR is higher than average.
17.24% to 26.24%
Earn 7 points for every dollar you spend at qualifying Hilton hotels, 5 points per dollar at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3 points per dollar for all other eligible purchases.
$0 - which we love!
50,000 points if you spend $1,000 in the first 3 months.
It takes just a few minutes to complete the online application for the Hilton Honors Card.
You'll earn 2 miles per dollar on every purchase; no need to worry about bonus rewards categories. Also, no foreign transaction fee, plus international chip and pin capability.
Charges an annual fee, doesn't offer great ways to maximize your rewards, and no luxury perks.
18.24%, 22.24%, or 25.24%
Earn 2 miles per dollar spent, plus get 5% of your miles back every time you redeem.
$89 (waived the first year) - so it could be worse.
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
(Normally, you can earn 60,000 miles after you spend $5,000 on purchases in the first 90 days — worth $600 in travel statement credits.)
Apply online through the Barclays website.
If you’ve ever Googled “How to sleep in my car” because you couldn’t afford a hotel room or simply felt like staying in one wouldn’t be worth the money, we’ve got some must-read info for you below. Many people in situations just like yours find that they enjoy having a hotel credit card for their local, cross-country, or overseas vacations. Keep reading to learn more about what hotel credit cards do, as well as why and where people use them.
Let us know if you have any other questions - we’re always happy to help!
Hotel Credit Cards: The Basics
A hotel credit card is a card that offers a line of credit for travelers who frequent specific hotels. As with most credit cards, hotel credit cards are usually compact pieces of rectangular plastic that feature a 16-digit number on the front and a 3-digit credit card security code on the back. American Express cards have a 4-digit security code on the front rather than a 3-digit code on the back.
You can use many hotel credit cards for purchases other than vacation-related goods and services. However, you may miss out on points or other perks if you go this route. You can find more info about card benefits under the heading titled “Card Fees and Rewards.”
There are tons of reasons why someone might get a hotel credit card, including one (or more) of the following:
There are also people who apply for hotel credit cards simply because a hospitality rep at the front desk encourages them to do so. We don’t recommend this, which is why we have thoroughly explained the pros and cons of various hotel credit cards above.. We at Faveable want you to make informed choices when it comes to your credit.
A cobranded hotel credit card is a credit card that’s associated with multiple companies, typically a hotel brand and a credit card provider or bank. The Starwood Preferred Guest from American Express is one popular example of a cobranded hotel credit card.
If you get a hotel credit card that isn’t cobranded, you can only use the card at a specific group of hotels. A cobranded hotel credit card is accepted at participating businesses around the world if it has a Visa, MasterCard, or American Express logo. You can use it to get gas, eat at restaurants, or even pay your rent or electric bill.
Nope, but that doesn’t stop people from using the terms interchangeably. A hotel credit card, as we explained earlier, is a line of credit for a specific hotel brand. You can use the card other places if it’s a cobranded card, but its rewards are still geared toward the hotel brand.
A travel credit card focuses on traveling in general rather than targeting a specific hotel brand. You can rack up rewards for free hotel stays and flights with a travel credit card, and you often have more choices for hotels and airlines than you do with a hotel credit card. However, keep in mind that you may have fewer rewards.
There’s no cookie-cutter answer to this question because all of our readers have different financial situations and goals. However, we want to encourage you to ask yourself the following questions before you apply for one - or more - hotel credit cards:
The answers to these questions play an important role when it comes to determining how many hotel credit cards you should get. If you don’t travel very often, it doesn’t make much sense to get a hotel credit card - unless you’re planning to take more vacations in the near future. If you typically choose Airbnb rentals over hotel rooms or you don’t care which hotel you visit, you might do better with a travel credit card than a hotel credit card.
Assessing your budget is a must so you don’t get stuck with more monthly credit card statements than you can handle. Your credit score matters because it generally affects each card’s APR, so you might end up paying hundreds - or even thousands - of extra bucks for each trip you take.
We love the Starwood Preferred Guest Credit Card from American Express - it was our top pick on our list of the best hotel credit cards. It’s a popular card that’s also a favorite with well-known websites like NerdWallet, The Points Guy, ValuePenguin, and The Simple Dollar.
We also recommend the Stash Hotel Rewards Visa, American Express Hilton Honors, U.S. Bank Club Carlson Premier Rewards Visa Signature, and Best Western Rewards Secured MasterCard. However, while we’re certain you’ll find a card you like on our list of favorites, we want to remind you that our best card might not be your best card. You have to consider factors like the annual fee and the hotel(s) where you can use the card, as well as whether the card is geared toward folks with a credit score similar to yours. That’ll help you find the hotel credit card that’s perfect for you.
The Application Process for Hotel Credit Cards
Apply at a hotel, contact a company via phone, or fill out an online application if you want a hotel credit card. Some hotels let you apply at the front desk and then use your card to pay for your stay, but that’s not always the case - so bring a backup payment method just in case. Ask the hospitality specialist behind the counter if you don’t see any signs advertising hotel cards. Even if they don’t have any applications on hand, they can probably tell you where to get one.
Nope, probably not. Credit card companies generally use a computer-generated approval system that considers factors such as your credit score, previous history with the company, and debt-to-income ratio. If you get denied, you can request a manual review by an employee at the credit card company, but this doesn’t take place at the hotel.
Generally the answer is no, but we’ve heard some reports that Wyndham properties try to make you join their rewards program prior to applying for a card. You can often earn points from a rewards program and points from a credit card, so it’s smart to join anyway.
Notice we didn’t mention combining the points, though. Some companies let you combine or transfer points, but many of them don’t. That means you may earn a free room from a rewards program and a free room from a credit card, but you can’t transfer 5,000 points from a hotel’s rewards program to increase the point balance on your hotel credit card.
Yes, most of the time you do. We’ve found that most hotel credit cards expect you to at least have a credit score in the high 600s or low 700s, although some lucky folks score approvals with scores in the low-to-mid 600s.
The exception is if you apply for a card like the Best Western Rewards Secured MasterCard. It’s a secured credit card, so you’re funding the credit limit yourself. However, you still get some of the awesome perks - like free and discounted hotel rooms - associated with unsecured hotel credit cards.
It’s common to assume the worst when you get hit with a “Sorry, we couldn’t reach an immediate decision,” but that generic message isn’t always a polite way of rejecting you. Basically, this message means the computer couldn’t decide whether to approve you or not, so a real person has to take a look at your app. You’ll probably get an answer via postal mail in a couple weeks, but you can contact the company by phone if you want to speed up the notification process.
Using Your Hotel Credit Card
Yes, as long as you have a cobranded card and not a card that’s issued by the hotel itself. We talked about cobranded cards in the section titled “Hotel Credit Cards: The Basics”. If you don’t have time to scroll back up and read that info, just remember that cobranded cards are backed by two companies/agencies. That means if you have a cobranded card, it probably has a Visa, MasterCard, or American Express logo on the front.
But hey, just because you can use your credit card at any hotel doesn’t mean you should. You typically get the most bang for your buck by visiting hotels that are associated with your credit card. You earn higher points and qualify for deeper discounts, which makes it easier to rack up points for free hotel stays. If you don’t like staying at a particular hotel brand, you should probably use a travel credit card rather than a hotel credit card.
Sometimes, but we don’t recommend it. TripSavvy agrees, explaining that it’s risky to book with a debit card rather than a credit card. Hotels often place an authorization hold on cards, and sometimes that amount is higher than the cost of your actual stay. If you use a debit card, you may end up overdrafting your checking account or losing access to necessary funds.
Paying with cash might be an option, but many hotels require payment via a debit or credit card. Even if they accept your cash, they may still ask you to give them a card in case you trash the room or raid the mini bar.
Yes, you can pay with cash and a hotel credit card as long as the hotel allows it. Some hotels don’t like cash payments, so check with the manager or a front desk agent before you arrive.
Keep in mind you only earn points for the amount you put on the credit card. If your room costs $500 for 2 days and you pay $450 cash, you only earn points for $50 of your purchase.
The Stash Hotel Rewards Visa has no foreign transaction fees, so it’s a great option if you travel abroad regularly and stay at boutique hotels. We also love the Starwood Preferred Guest Credit Card from American Express - like the Stash Hotel Rewards Visa, it has no foreign transaction fees.
No, you’re welcome to pay off the card each month. In fact, we recommend it! Over time, high interest rates can turn a cheap getaway into a pricey vacation.
Some people leave a small balance because they feel like it helps them build credit. If you decide to go this route, try to keep your balance lower than 30% of your credit limit. That means if you have a $2,000 limit, you shouldn’t have more than $600 on your card.
Card Fees and Rewards
For some people, yes. Is a hotel credit card worth it for you? Ask yourself the following questions, and we’ll help you decide:
If you answered yes to all of the questions above, congrats - you’re an excellent candidate for a hotel credit card!
Yes, nearly all hotel credit cards require members to pay an annual fee. We consider it a necessary evil that gives us exclusive access to things we want - like free hotel rooms and airline miles.
It certainly doesn’t hurt to ask the company that issued your card. Honestly we haven’t heard reports from anyone who has managed to avoid the fee for any hotel credit card, but that doesn’t mean you won’t succeed at getting it dropped. If you do, please come back and let us know so we can update our response.
Well, it depends on which hotel card you have. You can generally earn points by:
Cardholders typically earn more points for staying at approved hotels than they do for visiting other vacation properties.
Sometimes, but there are credit cards (like the Stash Hotel Rewards Visa Card) that offer expiration-free points. If you’re not using a card like that, you should still have plenty of time to redeem your points - typically a minimum of 12 to 24 months.
Some cards offer transferable points. If you think you won’t stay at a participating hotel in the near future but need points for flights or other vacation-related essentials, consider a card like the Starwood Preferred Guest Credit Card from American Express.
Whatever you want! Well, as long as you don’t violate the terms of your credit card agreement.
Some credit card companies only let you redeem points for hotel stays, but you may also have the chance to trade your points for airline miles or cash. If you don’t have to redeem all of your points at once, you can potentially fund an entire trip if you have a card with a transfer-friendly points program.
You can maximize the number of points you rack up with your hotel credit card by paying attention to special offers and primarily using your card at participating hotels. Most hotel cards we’ve researched offer a generous sign-up bonus, and some of them have an annual bonus. These bonus offers typically require you to spend a specific amount of money in a certain time frame in exchange for extra points.
When you book a hotel room, make sure you’re at a participating hotel. You can stay at any hotel unless your card restricts you from doing so, but cardholders usually earn more points at approved vacation properties.
If you have an issue during a hotel stay, politely yet firmly state your complaint to a customer service rep for your credit card. You may receive some extra points for the inconvenience you experienced, but there’s no guarantee.
Choosing the Right Card for Your Needs
You don’t have to choose - it’s okay to have one of each. However, you may not feel comfortable doing that. If that’s the case, you should choose a hotel credit card over a travel credit card if you:
Also, make sure you travel enough to make the annual card fee worth it. Hotel credit cards are notorious for having hefty - yet justifiable - annual fees. Travel credit cards also have annual fees, but the majority of them waive the annual fees for the first year. If you’re unsure whether you’ll do better with a travel credit card or hotel credit card, look for one with a waived fee. That gives you time to test drive the card and figure out if it’s a good match for you.
The best travel credit card for your colleague might not be the best business card for you. The card you choose should reflect your personal preferences and fit your budget, especially if your company requires you to pay business-related expenses yourself and then submit a request for reimbursement.
If you like chain hotels, get a card that reflects that. If you need a card that transfers points so you can pay for flights, apply for one.
A lot of business travelers like the Starwood Preferred Guest Credit Card from American Express. It’s not a business card, but it has no foreign transaction fees, making it a popular option for business travelers who conduct business overseas.
The company also offers an official business credit card, the Starwood Preferred Guest Business Credit Card, that might be a better fit for you. We discuss it in our list of the best business credit cards as well.
We feel like the Starwood Preferred Guest Credit Card from American Express is the overall best hotel credit card for travelers. You can use it at hotels around the world, and there are no foreign transaction fees. Points are transferable to participating airlines, and the APR is on the lower end (well, at least for hotel credit cards).
Okay, we know you might be sick of hearing about the Starwood Preferred Guest Credit Card from American Express by now, but we think it’s the best for earning airline points (and pretty much the best for everything else, too).
You can redeem points through Delta, British Airways, and more than 150 other trusted airlines. Oh, and did we mention American Express hooks you up with a 5,000 point bonus if you transfer 20,000 points to an approved frequent flyer program? Pretty sweet!
Possibly. Find out which brand owns the hotel you frequent so you can decide whether it’s smart to get a card with them. That way, you can stay at any hotel associated with the brand.
Most hotel credit cards work pretty much anywhere, but you can apply for a cobranded card if you want to make sure you aren’t locked into a specific hotel brand. However, it’s important to remember that you typically score more perks and points at participating hotels.
Get rid of it or stop using it. You don’t have to use a credit card unless you want to or your credit card agreement states otherwise.
There are drawbacks to cancelling a card, so you might do better just keeping it tucked away for safekeeping. If you cancel a card, your FICO score can drop because the cancellation decreases your overall available credit and impacts the part of your score that’s factored by how long you’ve had different types of credit.
If you do cancel a card, try to get rid of it before you get hit with an annual fee. If you forget, you’ll still have to pay the fee - for a card you don’t even want to keep.