Best Hotel Credit Cards

Earn free hotel stays just by making everyday purchases.

Finding the best credit card for hotel rewards will depend on what you value most. You might prefer a credit card with free hotel nights, or you might want to take advantage of a card’s sign-up bonus. If you’re considering getting a hotel credit card, learn all the hacks you need to know before your next trip.

The Best Hotel Credit Cards of 2018

Click through to a detailed table to see how all the cards compare.

Starwood Preferred Guest Credit Card from American Express

Best for: Loyalty hotel rewards at Starwood properties, which include the St. Regis, W Hotels, Westin and Sheraton, with a free annual hotel stay

Pros: $0 intro annual fee; no foreign transaction fee; 6x rewards points on SPG and Marriott Rewards hotels and 2x points on all other eligible purchases; one free hotel stay a year; free in-room premium internet access; 75,000 bonus points when you spend $3,000 in the first three months

Cons: $95 annual fee after the first year

A big perk of the Starwood Preferred Guest Credit Card is that it offers a $0 annual fee for the first year. Cardmembers also receive free in-room internet access and additional travel benefits such as roadside assistance and 24/7 access to emergency assistance services. You’ll also automatically get complimentary Silver Elite status, which entitles you to the next tier of benefits, including priority late checkout and a dedicated Elite reservation line. This credit card is one of the best credit cards if you have good credit.

Marriott Rewards Premier Plus Credit Card

Best for: Loyalty hotel rewards at Starwood and Marriott properties, with a free annual hotel stay

Pros: 6x points for every $1 spent at Marriott and Starwood properties, 2x points for $1 spent on all other purchases; Free Night Award; no foreign transaction fees; automatic Elite Status; free in-room premium internet access 

Cons: $95 annual fee and no intro annual fee

With this card, you’ll receive 75,000 bonus points after you spend $3,000 on purchases in your first three months from your account opening. You’ll also get a free night’s stay each year after your account anniversary. Additional benefits include trip delay reimbursement, lost luggage reimbursement and emergency assistance services.

Find Out: 50 Things Your Hotel Will Give You for Free

World of Hyatt Credit Card

Best for: Loyalty hotel rewards at Hyatt properties with a free annual hotel stay

Pros: 9x points for Hyatt stays and experiences, 2x points for transportation, dining, airplane tickets and gym memberships, 1x points for all other purchases; one free night a year; automatic elite status; no foreign transaction fees

Cons: $95 annual fee and no intro annual fee

You can earn up to 60,000 bonus points when you sign up for the World of Hyatt Credit Card: You’ll earn 40,000 points when you spend $3,000 in the first three months and an additional 20,000 points when you spend $6,000 in the first six months. You’ll also earn points with every purchase, and free nights start at 5,000 points. Additional perks include up to two free nights a year and automatic elite status.

Learn More: I Got Over 100 Free Hyatt Hotel Nights Using My Credit Card

Hilton Honors Ascend Card from American Express

Best for: Loyalty hotel rewards and a generous welcome offer

Pros: 12x points at Hilton properties, 6x points at restaurants, supermarkets and gas stations, 3x points on all other eligible purchases; complimentary Hilton Honors Gold status; Weekend Night Reward from Hilton Honors after you spend $15,000 in a calendar year; no foreign transaction fees 

Cons: $95 annual fee and no intro annual fee

Earn 125,000 Hilton Honors Bonus Points when you spend $2,000 or more within the first three months of card membership. The card also comes with 10 free airport lounge visits every year, car rental loss and damage insurance and access to a 24/7 global assist hotline. 

IHG Rewards Club Premier Credit Card

Best for: A free annual hotel stay and a big sign-up bonus

Pros: 10x points for every $1 spent on IHG hotel stays, 2x points for every $1 spent at gas stations, grocery stores and restaurants and 1x for every $1 spent on all other purchases; anniversary free night; automatic Platinum Elite Status; fourth reward night free; no foreign transaction fee; credit for Global Entry or TSA Precheck 

Cons: $89 annual fee and no intro annual fee

You’ll earn 100,000 bonus points after spending $3,000 in the first three months from account opening with the IHG Rewards Club Premier Credit Card. You’ll also get 10,000 bonus points after you spend $20,000 on purchases and make one additional purchase each account anniversary year, and 5,000 bonus points after you add your first authorized user and make your first purchase within three months from account opening. Points can be redeemed for reward nights, shopping, gift cards, cash, travel, digital downloads, donations and more. This could be a good option as a hotel credit card for fair credit, as a poster on a myFICO forum said it’s one of the easiest hotel credit cards to get. 

Wyndham Rewards Visa Signature Card

Best for: Loyalty vacation rental and hotel rewards with no annual fee

Pros: 3x points at Wyndham hotel, vacation rental and timeshare properties, 2x points at gas stations, utility bills and grocery store purchases, 1x points on other purchases; automatic Wyndham Rewards Gold Membership; no foreign transaction fees; no annual fee

Cons: No annual free night

The Wyndham Rewards Visa Signature is a rare hotel credit card with no annual fee. Earn rewards points towards stays at Wyndham hotels — which include Ramada and Days Inn properties — with every purchase. You’ll also get 15,000 bonus points after your first purchase, which is enough for one free night.

Read: Travel the World for Practically Free

To better compare hotel credit cards, take a closer look at six of the best cards offered in terms of travel perks and rewards. Before you choose one, consider which rewards program suits your specific needs and spending or travel preferences.

Best Hotel Credit Cards
Hotel Credit CardRegular APRAnnual FeeHotel Perks/Rewards
Starwood Preferred Guest Credit Card from American Express17.49%-26.49%$0 first year; $95 thereafter
  • 6 points for every $1 of eligible purchases at participating SPG and Marriott Rewards hotels
  • 2 points for all other eligible purchases
Marriott Rewards Premier Plus Credit Card17.74%-24.74%$95
  • 6 points per $1 spent at participating Marriott Rewards and SPG hotels
  • 2 points for every $1 spent on all other purchases
World of Hyatt Credit Card17.74%-24.74%$95
  • 9 Bonus Points total for every $1 spent on Hyatt stays and experiences
  • 2 Bonus Points per $1 spent on local transit and commuting, restaurants and coffee shops, airline tickets, fitness clubs and gym memberships
  • 1 Bonus Point per $1 spent on all other card purchases
Hilton Honors Ascend Card from American Express17.49%-26.49%$95
  • 12 Hilton Honors Bonus Points for each dollar of eligible purchases at a participating hotel or resort within the Hilton Portfolio
  • 6 Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, supermarkets and gas stations
  • 3 Hilton Honors Bonus Points on all other eligible purchases
IHG Rewards Club Premier Credit Card17.74%-24.74%$89
  • 10 points per $1 spent at IHG hotels
  • 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
  • 1 point per $1 spent on all other purchases
Wyndham Rewards Visa Signature Card16.99%-26.74%$0
  • 3 points per $1 spent on eligible purchases for every participating hotel stay, Wyndham Vacation Rental North America property, and on-property spend and maintenance fees at Wyndham timeshare properties
  • 2 points per $1 spent on eligible gas, utility and grocery store purchases
  • 1 point per $1 spent on purchases everywhere else

Click through to learn about the best travel credit cards.

More on Rewards Credit Cards

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