If hotels are like a second home to you, it pays to think wisely about which credit card you use. A co-branded hotel credit card will get you bonus rewards and valuable benefits with a specific hotel group.
See our list of the best credit card bonuses here.
However, these co-branded cards will only let you redeem your rewards within the hotel chain. If you don’t want to limit yourself, check out our guide to the best credit cards by spending category.
We cover our favorite hotel credit cards below, both co-branded and for general travel.
|Chase Sapphire Reserve®||Best premium card for earning|
|Chase Sapphire Preferred® Card||Best mid-tier card for earning|
|The Platinum Card® from American Express||Best card for luxury hotels|
|Marriott Bonvoy Brilliant™ American Express® Card||Best overall Marriott card|
|Marriott Bonvoy Boundless® Credit Card||Best low-cost Marriott card|
|Hilton Honors American Express Card||Best overall Hilton card|
|Hilton Honors American Express Surpass® Card||Best low-cost Hilton card|
|IHG® Rewards Club Premier Credit Card||Best overall IHG card|
Hotel Credit Card Features
When considering a hotel credit card, you should keep in mind the following:
- Welcome bonus
- Earning potential
- Elite status perks
- Recurring benefits
- Category bonuses
- Spend bonuses
We took into account all of the above when we made compiled our list of the best hotel credit cards of 2020.
The Best Hotel Credit Cards This Year
The Chase Sapphire Reserve® is the best premium card for earning on hotel spending.
The Chase Sapphire Preferred® Card is the best mid-tier card for earning on hotel spending.
The Platinum Card® from American Express is the best card for luxury hotels with high welcome bonus points. Check out our guide to American Express Membership Rewards® to find out what else you can do with these bonus points.
*Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
The Marriott Bonvoy Brilliant™ American Express® Card is the best overall card for Marriott hotels.
The Marriott Bonvoy Boundless® Credit Card is the best low-cost card for Marriott hotels with a generous welcome bonus and high earning rate on Marriott spending.
The Hilton Honors American Express Card is the best overall card for Hilton hotels.
The Hilton Honors American Express Surpass® Card is the best low-cost card for Hilton hotels.
The IHG® Rewards Club Premier Credit Card is the best overall card for IHG hotels with a generous welcome bonus.
While we focused on hotel credit cards in this post, you’ll want to choose a card with additional earning potential that matches your spending behavior. For our guide on the best credit cards in other categories, check out these other posts:
Also, get some tips on How To Stay At A Luxury Resort For Cheap here.
It might make sense to go for a co-branded hotel credit card if you like to stay with a particular hotel group. You’ll get to enjoy VIP perks and earn points towards free nights quickly.
But if you aren’t committed to a hotel chain, then you’ll want a card that earns transferable points, like the Amex Green Card or Chase Sapphire Preferred Card. For further reading, check out Best Credit Cards For Earning Points & Miles By Spending Category.
|OFFER LINK||OFFER||OUR REVIEW|
|Chase Business Complete Banking℠||$300 Cash||Review|
|Chase Total Checking®||$225 Cash||Review|
|Chase Secure Banking℠||$100 Cash||Review|
|TD Bank Beyond Checking||$300 Cash||Review|
|TD Bank Convenience Checking℠||$150 Cash||Review|
|HSBC Premier Checking||$450 Cash||Review|
|Axos Business Checking||$100 Cash||Review|
|Aspiration Checking||$150/$200 Cash||Review|
|Ally Invest||Up To $3,000||Review|
|Betterment||Up To 1 Year Free||Review|
|BlockFi||Up To $250 BTC||Review|
|Voyager (code BH5F1A)||$25 In BTC||Review|
|Coinbase||$10 In BTC||Review|
|Motley Fool||Stock Advisor Discount||Review|