If traveling to extraordinary destinations by booking hotels and resorts by points or a combination of points and cash appeals to you, these are the winning cards you want to consider keeping in your wallet.
Here’s a comprehensive look at how to evaluate hotel credit cards in 2024, what to look for, and how to make the most of your card.
What you get with a Hotel Credit Card
Hotel credit cards reward you for your purchases, especially when you spend at the hotel chain associated with the card. You’ll often earn more points per dollar when booking hotel stays, with some cards also offering bonus points in other categories like dining or travel. Flexibility is key for booking the lowest number of points for the most amazing travel experiences. Getting the most value for your points can help you travel further and stay longer when you combine your earned points with cash. Sticking with one hotel brand is another strategy frequent travelers use to earn status and valuable perks. Hotel-branded credit cards are great for discovering opportunities to multiply your rewards.
Though hotel points may seem plentiful, keep in mind that individual points tend to be worth less than airline miles. But the upside is that hotel cards generally make up for this with a variety of perks.
Common perks of Hotel Credit Cards include:
- Free Nights: Many hotel cards offer a free night annually, either as an automatic benefit or as a reward for reaching a spending threshold. This perk alone can easily cover the card’s annual fee.
- Room Upgrades and Freebies: Cardholders may qualify for free room upgrades, discounted meals, or even spa packages.
- Early Check-In and Late Check-Out: Enjoy the convenience of arriving at your room earlier or staying later, without having to wait around or rush out.
- Accelerated Elite Status: Some hotel cards automatically upgrade you to a higher tier in the hotel’s loyalty program, giving you access to more benefits.
How to choose the best Hotel Credit Card
Not all hotel credit cards are created equal, and the best one for you depends on your travel habits. Consider the following when making your decision:
- Hotel Group Loyalty: If you tend to stay with a particular hotel chain, it makes sense to choose a co-branded card. Large hotel groups like Marriott, Hilton, and IHG own multiple brands, so a card from one chain can unlock benefits across a wide range of hotels—from budget-friendly to luxury resorts.
- For example, Marriott’s portfolio includes Courtyard, Ritz-Carlton, Sheraton, and Westin, while Hilton’s brands include DoubleTree, Hampton Inn, and Waldorf-Astoria.
- Annual Fees: Most hotel credit cards come with annual fees, usually in the range of $90 to $100, while premium cards with extensive perks can exceed $450. Make sure the rewards and perks you’ll receive outweigh the cost of the fee. There are no-annual-fee hotel cards available, but they typically offer fewer benefits.
- Rewards Rate: Hotel cards often offer a higher earn rate for hotel stays, with some cards giving extra points for dining, travel, or other spending categories. Pay attention to both the “earn rate” (how many points you earn per dollar) and the “burn rate” (the value of those points when you redeem them for rewards).
- A high earn rate is great, but only if it aligns with your spending habits.
- Sign-Up Bonus: Many hotel credit cards offer large sign-up bonuses—often worth enough for a free night or two. However, these bonuses usually require a minimum amount of spending within the first few months. Make sure the spending requirement is manageable for your budget.
- Perks Beyond Points: Look for perks like free breakfast, room upgrades, or airport lounge access. These can provide significant value, especially if you travel frequently.
- Foreign Transaction Fees: If you often travel internationally, look for a card that doesn’t charge foreign transaction fees. These fees can add up quickly, usually around 3% on each purchase made outside the U.S.
Choosing the right Hotel chain
If you decide to go with a hotel-branded credit card, the next step is choosing the right hotel chain for your travels. Many hotel chains operate under larger parent companies, which means a card from one chain often gives you perks across multiple brands.
- Marriott: In addition to Marriott, you’ll have access to brands like Courtyard, Fairfield, Residence Inn, and the luxury Ritz-Carlton.
- Hilton: Enjoy benefits at properties like Hampton Inn, DoubleTree, Embassy Suites, and Waldorf-Astoria.
- InterContinental: Use your rewards at Holiday Inn, Staybridge Suites, and Crowne Plaza, among others.
- Wyndham and Choice: These chains focus on mid-tier and budget hotels, offering great value for travelers who prefer no-frills accommodations.
How to compare Hotel Credit Cards
No single card will offer everything you want, so it’s important to compare the features that matter most to you:
- Annual Fee: Make sure the perks and rewards justify the fee. If you rarely travel, a no-annual-fee card might be a better option.
- Rewards Rate: Look at the points you earn per dollar spent and in which categories. Some cards offer a flat rate for all purchases, while others give extra points for hotel stays or dining.
- Sign-Up Bonus: A big bonus is great, but ensure the spending requirement is reasonable.
- International Acceptance: Visa and Mastercard are widely accepted worldwide, but American Express and Discover may have more limited acceptance in some regions.
Perks that enhance your stay
Hotel credit cards come with more than just points—they also offer valuable perks that can make your travel experience more enjoyable:
- Free Checked Bags: If you have an airline credit card, this perk can save you money, but hotel cards may offer similar baggage benefits if they’re tied to travel brands.
- Airport Lounge Access: Premium hotel cards often provide access to airport lounges, offering a more comfortable and relaxing travel experience.
- Car Rental Insurance and Travel Protections: Many cards come with insurance for car rentals, trip cancellations, and lost baggage protection.
Is a Hotel Credit Card right for you?
Hotel credit cards offer plenty of value, but they might not be the best fit for everyone. Here are some pros and cons to consider:
Pros:
- Sign-Up Bonuses: Many hotel cards offer bonuses worth hundreds of dollars in free stays.
- Perks: Free nights, room upgrades, and early check-in/late check-out can make travel more comfortable and affordable.
- No Foreign Transaction Fees: Many hotel cards waive these fees, saving you money when traveling abroad.
Cons:
- Annual Fees: The best perks often come with a higher annual fee, which may not be worthwhile if you don’t travel often.
- Complicated Redemption: While earning points is easy, redeeming them for the best value can sometimes be tricky or restrictive.
- Higher Interest Rates: Travel cards tend to have higher interest rates, so carrying a balance can negate the value of the rewards.
Making the most of your Hotel Credit Card
To maximize the benefits of your hotel credit card, follow these tips:
- Time Your Application: Apply for the card when you know you’ll have a big purchase coming up to help you meet the spending requirement for the sign-up bonus.
- Use Your Card for Everyday Spending: Maximize rewards by using your card for dining, travel, and hotel stays.
- Take Advantage of Perks: Don’t forget to use benefits like free nights, room upgrades, and loyalty program perks to get the most value out of your card.
Whether it’s a dream vacation at a luxury resort to a last-minute need for a hotel room, leveraging free stays at top hotels and resorts is easier with these credit cards:
Top Hotel Credit Cards for 2024
Capital One Venture Rewards Credit Card
Best for frequent travelers who prefer straightforward miles.
The Capital One Venture Rewards card is a no-brainer for me when I want to keep things simple. Earning unlimited 2x miles on every purchase means I never have to think about categories or spending limits. Plus, I can redeem those miles for travel purchases or transfer them to over 15+ travel loyalty programs. It’s super straightforward, which is exactly what I need when I just want to book a hotel and get on with my trip. With an annual fee of $95, it’s a strong option for uncomplicated travel rewards.
- Earn unlimited 2x miles on every purchase, simplifying rewards.
- Redeem miles for travel purchases or transfer them to over 15+ travel loyalty programs.
Capital One Venture X Rewards Credit Card
Best for premium travelers who want luxury benefits at a lower fee.
The Capital One Venture X Rewards Card offers premium travel perks at exceptional value. Earn 75,000 bonus miles (equal to $750 in travel) after spending $4,000 in the first three months. Get an annual $300 travel credit through Capital One Travel and 10,000 bonus miles (equal to $100) every year on your card anniversary.
Earn rewards like:
- 10X miles on hotels and rental cars booked through Capital One Travel.
- 5X miles on flights and vacation rentals.
- 2X miles on all other purchases.
Enjoy complimentary access to 1,300+ airport lounges, a $120 credit for Global Entry or TSA PreCheck®, and a $100 experience credit for Premier Collection bookings. Flexible miles usage and exclusive perks make this card a top choice for travelers.
The Platinum Card® from American Express
Best for luxury travelers seeking premium benefits and rewards.
When I’m in the mood for luxury, the Amex Platinum Card is my go-to. Earning 5x points on hotels booked through Amex Travel is great, but it’s the extra perks that really make a difference for me. With access to Centurion Lounges and automatic hotel elite status, I’m treated like a VIP at every step of my journey. The up to $200 airline fee credits are a nice touch, and the card’s premium benefits make it perfect for those indulgent getaways. Keep in mind the annual fee is $695, so it’s tailored for serious travelers who want the best.
- Earn 5x points for flights booked directly with airlines or through Amex Travel up to $500,000 on these purchases per calendar year.
- Access Centurion Lounges, enjoy hotel elite status, and receive up to $200 in airline fee credits.
- Terms Apply. See rates and fees.
Hilton Honors American Express Surpass® Card
Best for Hilton loyalists who want high rewards and elite status.
If you’re someone who frequently books with Hilton, the Hilton Honors Amex Surpass card delivers impressive rewards. You earn 12x points on Hilton stays, 6x points on dining at U.S. restaurants, at U.S. supermarkets and at U.S. gas stations, and 4x points on U.S. online retail purchases, making it easy to rack up points. Gold status and the chance to earn a free weekend night are valuable extras that enhance your hotel experience. This card is an excellent choice for those who want to get the most out of their Hilton stays and enjoy elite perks.
- Earn 12x points on Hilton stays, 6x points on dining and groceries, and 3x points on all other purchases.
- Enjoy Gold status and a free weekend night after meeting spending thresholds.
- Annual fee: $150
- Terms Apply. See rates and fees.
When it comes to making the most of your travel experiences, having the right hotel credit card in your wallet can unlock valuable perks and rewards. Hotel credit cards offer more than just points—they provide exclusive benefits like free nights, room upgrades, and elite status that can significantly enhance your stay. But with so many options out there, how do you choose the best one?
Kurt’s key takeaway
The right hotel credit card can unlock valuable perks, making your travels more comfortable and rewarding. Whether you’re a frequent traveler looking for luxury upgrades or someone who enjoys occasional weekend getaways, choosing a card that aligns with your travel habits will help you get the most out of your experience. Compare your options, consider your spending patterns, and find the card that will give you the best value in 2024.
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