Best Credit Cards of Popular Hotel Chains

Hotel credit cards are usually tied to the loyalty program within a particular hotel chain and earn points for every dollar spent. These points can then be used for discounts, free nights, and can even be transferred for use in popular frequent flyer programs for certain airlines.

Compared to the general travel rewards credit cards, hotel co-branded cards can offer additional benefits like priority check-ins, free drinks, room upgrades and more. One of the top perks is the ability to earn elite status even faster and enjoy many additional members-only benefits.

Check out our top picks for hotel branded credit cards:

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at issuer’s secured site
excellent
intro purchase APR no intro offerregular APR15.49 - 19.49% (V)
intro BT APR 15.49-19.49% 3% BT fee $5 min
rewards 1 or 5 points per dollar +25,000 welcome bonus
  • earn 5x points on reservations directly at Starwood Preferred Guest program hotels:
  • you get 3 points as a program member
  • you get 2 points as a cardmember 
  •  1 point per dollar on all other purchases
  • 25,000 points if you spend $3,000 in the first 3 months of the card

$95 annual fee, waived for the first year

best hotel rewards program

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intro purchase APR no intro offerregular APR15.49%, 20.24% or 25.24%
intro BT APR 0% BT APR for 15 billing periods 3% BT fee $5 min
rewards 5 ponts on Choice Hotels purchases, 2 points on other purchases

no annual fee

5x rewards on Choice Hotels

2x regular rewards

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at issuer’s secured site
good credit
intro purchase APR no intro offerregular APR15.99% (V)
intro BT APR 15.99% 3% BT fee $5 min
rewards 1x 2x 3x on every dollar +2 free nights
  • 3x points on Hyatt purchases
  • 2x points on dining, airline tickets, car rentals
  • get 2 free nights for spending $1,000 in the first 3 months

 

 

$75 annual fee after first year

Hyatt Platinum status

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at issuer’s secured site
good credit
intro purchase APR no intro offerregular APR15.99% (V)
intro BT APR 15.99% 3% BT fee $5 min
rewards 1x 2x 5x points per dollar +70,000 points
  • 5x points on Ritz-Carlton purchases or partner hotel purchases
  • 2x points on gas, dining, 
  • get 70,000 points after spending $2,000 in the first 3 months (good for a free night at top tier Ritz-Carlton hotel)

 

 

$395 annual fee

lots of benefits

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at issuer’s secured site
fair credit
intro purchase APR no intro offerregular APR15.99% (V)
intro BT APR 15.99% 3% BT fee $5 min
rewards 1x 2x 5x points per dollar +50,000 sign-up bonus
  • 5x points on Marriott or Ritz-Carlton purchases
  • 2x points on airlines, rental cars and restaurants purchases
  • 1x on everything else
  • get 50,000 points bonus after spending $1,000 in the first 3 months

 

$85 annual fee, waived for the first year

50,000 sign up bonus

5x points on Marriott

2x points on airlines, rental cars, dining out

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Tips on choosing a hotel chain:

  • When it comes to international travel, the Marriott and Starwood brands offer the greatest number of hotels available worldwide.
  • Hilton offers the quickest and easiest way to reach elite status as when you sign up  for the HHonors card offered by Chase, you will automatically be given elite status.
  • The Starwood and Hyatt chains have an excellent reputation for offering their elite members the very best service.

Tips on choosing a hotel credit card:

  • It can be a good idea to have a hotel card that complements your credit card for everyday spending.
  • Getting a hotel card is an excellent idea if you are partial enough to a particular brand that it would be beneficial to enroll in their loyalty program. Especially if you travel often for business.
  • Compare the available benefits offered by hotel cards to the benefits offered by general rewards and airline credit cards. 


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