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When you travel, you will most likely stay in a hotel. Instead of paying for your purchase with just any credit card, consider using a hotel credit card instead. You can earn incentives that are more specific to your lifestyle. If you’re trying to find the best hotel credit card for your travel habits, these recommendations can be a start.
Best Hotel Credit Card Welcome Bonus: Marriott Bonvoy Boundless Credit Card
As the Marriott and Starwood merger enters its final stage, Marriott is launching several new credit cards. One of these new cards is the Marriott Bonvoy Boundless™ Credit Card which is replacing the current premium Marriott Rewards Premier Plus Credit Card.
On each card anniversary, you also get one free night reward valid at any property that costs 35,000 points or less. You will also earn 6X Bonvoy points per $1 spent at over 6,700+ participating Marriott Bonvoy hotels. All remaining purchases will earn 2 points per $1 spent.
Check out the other updated Marriott offerings here.
Best Hotel Credit Card Free Night Award: The World of Hyatt
Even if you only stay in a hotel one night a year, you can stay for free if you get a free night award. In most cases, the free hotel night cash value is greater than the card’s annual fee.
With the World of Hyatt Credit Card, your free annual hotel night is valid at any category 1-4 Hyatt property. This free night alone is easily worth more than the $95 annual fee.
Hyatt also has one of the most generous reward night policies. Their free nights start at 5,000 points and max out at 30,000 points at a category 7 property. With most other hotel programs, 30,000 points only books a room at a mid-tier property. If you want to enjoy upscale travel at bargain prices, don’t overlook Hyatt.
You also have the opportunity to earn up to 50,000 bonus points as a welcome bonus. Earn 25,000 points after you spend $3,000 on purchases in the first 3 months from account opening. Then, you can earn an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening.
Plus, you can enjoy these tiered purchase rewards:
- 9 points per $1 spent on Hyatt purchases – 4 points per $1 when you use your card at Hyatt hotels & 5 points per $1 you can earn as a World of Hyatt member
- 2 points for restaurants, airline tickets purchased directly from the airline, local transit and commuting, and on fitness club and gym memberships
If you frequent Hyatt properties, the World of Hyatt card is a great card to have in your wallet.
If you’re looking for a hotel credit card that let you book your free hotel night at high-end motels, you should consider either the Hilton Honors Aspire or Hilton Honors Ascend. Your free weekend night certificate can be redeemed at virtually any Hilton Portfolio property.
Best Hotel Credit Card for Non-Business People: IHG Premier
The IHG® Rewards Club Premier Credit Card offers travel benefits and purchase rewards that benefit non-business travelers:
- Free annual hotel night certificate after account anniversary
- Earn 10 points per $1 when you stay at IHG hotel
- Earn 2 points per $1 at gas stations, grocery stores, and restaurants
- Global Entry or TSA Pre✓® fee credit
Because you’re not traveling for business, the 2x bonus points give you the perfect opportunity to earn bonus points on your largest monthly spending categories (not including your rent or mortgage payment).
If you want a credit card that offers hotel benefits and air travel benefits, it’s hard not to like the IHG Premier.
You also have the chance to earn 120,000 bonus points by meeting the following welcome bonus requirements:
- Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
- Earn an additional 40,000 bonus points after spending a total of $5,000 on purchases within 6 months of account opening
Automatic Platinum Elite status lets you enjoy space-available room upgrades, a 50% earning bonus, and extended checkout. To earn this status without the card, you need to stay at least 40 nights per year.
Best Hotel Credit Card with No Annual Fee: Hilton Honors Card
Casual travelers that don’t need a free night award or for those that only need a secondary credit card, the Hilton Honors American Express Card is one of the best options without an annual fee (See rates & fees).
The Hilton Honors Card earns up to 7x Hilton Honors points per $1 spent:
- 7x points per $1 spent directly on eligible Hilton purchases
- 5x points per $1 of eligible purchases spent at U.S. restaurants, U.S. gas stations, and U.S. supermarkets
- 3x points per $1 spent on other eligible remaining purchases
You will also enjoy complimentary Hilton Honors Silver status. That earns you a 5th night free on reward stays, elite rollover nights, and two water bottles per stay. Spend $20,000 in a year to upgrade to Hilton Honors Gold status through the end of the next calendar year.
Although this is a great card, you may benefit more from the Hilton Honors American Express Ascend card when spending more than $15,000 a year. Once you reach this spending threshold, you get a free weekend night certificate with the Ascend. The no-fee Hilton Honors Card doesn’t offer any free night awards.
Best Hotel Credit Card for Flexible Booking: Capital One Venture
If you’re not loyal to one particular hotel brand, the Capital One Venture gets you 10x miles when you book and pay for a room through hotels.com/venture.
Instead of earning the flat rate 2x points per mile on every purchase, Hotels.com purchases earn 10x miles. You can redeem these rewards miles for future award travel purchases or as a statement credit for previous purchases.
For every 10 nights you book on Hotels.com, your 11th night is free. This is where the other 10% back plays into the picture. While it’s not an immediate reward, it’s one of the most valuable hotel rewards programs when you are looking for the most affordable place to stay, regardless of the hotel name. This card is a great option if you want flexibility and you simply want a room that’s clean and comfortable.
Other flexible travel cards only let you get up to 3 points per $1 on hotel purchases. The Capital One® Venture® Rewards Credit Card offers triple points for the same purchases.
You can see here how the Capital One Venture compares to the Sapphire Preferred.
Summary of The Best Hotel Credit Cards 2019
Everybody needs something different from their hotel credit card. Maybe you want to pick up a loyalty card because your company encourages you to stay at one brand when you travel and you want to accelerate your travel benefits. Whether you stay in a hotel a few times a year or a few times a week, these hotel credit cards can be one of the most valuable credit cards you keep in your wallet.
For rates and fees of the Hilton Honors Card, please click here.The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.