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Best Benefits

Earn 30,000 bonus points after you spend $2,000 on purchases in your first three months from opening your account
Earn 3X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy™
Plus earn up to 10X points from Marriott for being a Marriott Bonvoy™ member
Earn 2X points for every $1 you spend on other travel purchases
Plus, earn 1X point for every $1 you spend on all other purchases
Receive 15 Elite Night Credits annually - automatically qualify for Silver Elite status
No foreign transaction fee
No annual fee

Rates & Fees

Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of each cash advance, whichever is greater
Penalty APR: Up to 29.99% variable based on the Prime Rate
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Best Benefits

Earn up to 17X total points per dollar at Marriott
Earn 6X Marriott Bonvoy points per $1 spent at participating Marriott Bonvoy hotels
Earn 2X points per $1 spent on all other purchases
Get 1 Free Night Award every year after your account anniversary
Automatic Silver Elite Status

Rates & Fees

Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
Penalty APR: Up to 29.99% variable based on the Prime Rate
Annual Fee: $95
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Best Benefits

Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening
Plus, earn up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
Earn 4X Bonus Points per $1 spent on purchases at all Hyatt hotel, plus 5X Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member
Earn 2X Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships
Plus, earn 1X Bonus Point per $1 spent on all other purchases
Receive one free night at any Category 1–4 Hyatt hotel or resort every year after your cardmember anniversary
Also receive one extra free night at any Category 1–4 Hyatt hotel or resort if you spend $15,000 in a calendar yea
No foreign transaction fees

Rates & Fees

Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
Penalty APR: Up to 29.99% variable based on the Prime Rate
Annual Fee: $95
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Best Benefits

6X Marriott Bonvoy points on direct purchases at participating Marriott Bonvoy hotels
3X points on purchases at U.S. restaurants and flights booked directly with airlines
2X points on all other eligible purchases
Free Night Award each year on account anniversary
Complimentary Marriott Bonvoy Gold Elite status
Annual $300 statement for eligible purchases at participating Marriott Bonvoy hotels
Priority Pass Select membership
$100 statement credit for Global Entry or $85 credit for TSA Pre Check

Rates & Fees

Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 25.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR: 29.99% variable based on the Prime Rate
Annual Fee: $450
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Sonesta World Mastercard®

Compare Card

Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR 16.99% to 26.99% variable based on creditworthiness and the Prime Rate
Annual Fee $0 for the first year, $75 after that
Credit Needed Excellent
Processing Network Mastercard

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Terms & Conditions

Date Reviewed: January 10, 2022

Best Benefits

3X points on Sonesta purchases
2X points on airfare, car rentals, and dining
1X points on all other purchases
Automatic Sonesta Travel Pass Elite Member status
Earn 60,000 bonus points after spending $1,000 within 90 days
Earn additional 5,000 points after adding an authorized user within 90 days
Anniversary bonus of 30,000 points for spending $7,500 per year

Rates & Fees

Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: $10 or 3% of the amount of each balance transfer, whichever is greater
Cash Advance APR: 16.99% to 26.99% variable based on creditworthiness and the Prime Rate
Cash Advance Transaction Fee: $10 or 3% of each cash advance, whichever is greater
Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
Annual Fee: $0 for the first year, $75 after that
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $29

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Best Benefits

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio
5X Hilton Honors points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
3X Hilton Honors points on all other eligible purchases
Complimentary Hilton Honors Silver status
No foreign transaction fees

Rates & Fees

Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
Cash Advance APR: 25.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR: 29.99% variable based on the Prime Rate
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

Credit Card Deals

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Best Benefits

Collect 1 stamp for every night you stay at an eligible property booked on Hotels.com. Collect 10 stamps, get 1 reward night
Get 2 reward nights when you spend $1,000 on purchases in the first 3 months
No foreign transaction fees
No annual fee

Rates & Fees

Regular Purchase APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater
Cash Advance APR: 24.74% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

Credit Card Deals

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Best Benefits

Earn 9X points per $1 spent at Hyatt hotels
Earn 2X bonus points per $1 spent in your top three spend categories each quarter through 12/31/22
Earn 2X points per $1 spent on fitness club and gym memberships
Earn 1X points per $1 spent on all other purchases
World of Hyatt Discoverist status for the primary cardholder and up to 5 employees
Up to $100 in Hyatt statement credits each year

Rates & Fees

Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transaction, whichever is greater
Penalty APR: Up to 29.99% variable based on the Prime Rate
Annual Fee: $199
Late Payment Penalty Fee: $40
Return Payment Penalty Fee: $40

Credit Card Deals

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Best Benefits

Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio
6X Hilton Honors points per $1 spent on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
3X Hilton Honors points on all eligible purchases
Complimentary Gold status with your card
Free Weekend Night Reward after spending $15,000 on your card in a calendar year
No foreign transaction fees
Earn 150,000 bonus points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 3 months of Card Membership
Plus, you can earn an additional 50,000 bonus points after you spend a total of $10,000 in purchases on the Card in the first 6 months

Rates & Fees

Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
Cash Advance APR: 25.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR: 29.99% variable based on the Prime Rate
Annual Fee: $95
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

Credit Card Deals

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Best Benefits

Earn up to 15X points at IHG Hotels and Resorts worldwide
Earn 2X points per $1 spent at gas stations, grocery stores and restaurants
Earn 1X points on all other purchases
Receive Gold Elite status after spending $10,000 or more each calendar year
No annual fee
No foreign transaction fees

Rates & Fees

Regular Purchase APR: 15.99% to 22.99%, based on your creditworthiness and the Prime Rate
Balance Transfer APR: 15.99% to 22.99%, based on your creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 24.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

Credit Card Deals

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How Do Hotel Rewards Credit Cards Work?

Hotel cards are very straightforward – you earn points for staying at hotels. Well, there’s a little more to them than that. For instance, hotel rewards credit cards are tied with one hotel chain, like Hyatt, Hilton, Radisson, Best Western, and more. Stays at these chains earn additional rewards.

Many hotel rewards cards also earn additional rewards for purchases ins elect categories. These can include dining, gas stations, grocery stores, and other groups. Businesses can benefit significantly from bonus categories, which include advertising, shipping, air travel, and more. Business cards sometimes include personal categories, like grocery stores and restaurants as well.

Rewards points earned through hotel cards apply towards a variety of awards, including:

Free nights at hotel properties worldwide
Flights with airline partners
Car rentals with partner agencies
Merchandise
Cash back or gift cards

Hotel cards often come with sign up bonuses, Sign up bonuses with these rewards cards come either after making a minimum number of purchases within a certain number of months of card membership. These purchase requirements might entail a spend of $3,000 on purchases on the card in a calendar month, but typically spending bonuses are 90 days or one year in duration.

Hotel Credit Cards: Pros and Cons

Hotel cards, like other rewards credit cards, have their positives and their negatives.

The Benefits of Hotel Credit Cards

Hotel credit cards offer a variety of benefits for cardholders. Like airline credit cards and travel cards, hotel rewards cards sometimes include generous signup bonuses. These signup bonuses usually involve points (which can be worth as much as $1,000) plus free nights each year. Other features include complimentary upgrades, statement credits, and even airport and travel perks.

Hotel cards also offer extraordinary value for money for those that are loyal to one hotel chain. Staying with brands within the chain earns additional points per dollar spent, which I turn can lead to more free nights. Participating stays also result in higher tiers in the hotel loyalty programs, which provide upgrades, free Wi-Fi, complimentary stays, late check-out, and more.

The Drawbacks of Hotel Rewards Cards

Because hotel cards are co-branded with a specific hotel brand, they offer limited value to those who aren’t particular about their hotel when traveling. If, for example, you prefer to stay with IHG, but are going to a city where there isn’t an IHG property, your IHG Rewards club premier Credit Card won’t be as useful as a travel rewards credit card. Similarly, the Radisson Rewards Visa Signature or the Radisson Rewards Visa won’t be very useful outside of Radisson stays.

General travel credit cards, like the Priceline Rewards Visa, also offer greater versatility in that they provide enhanced rewards for all facets of travel, not just hotel stays. This isn’t true for all hotel credit cards. Cards like the Hilton Honors American Express Card and the Hilton Honors American Express Business Card earn additional rewards on a variety of travel purchases, including gas station purchases and flights booked through American Express Travel. Still, however, you might find better-rounded value with a generic travel card.

Browse Our Ultimate Hotel Guides

Looking for a comprehensive guide to your favorite hotel loyalty program? Chances are the we have it! Browse our Ultimate Guides:

Current Hotel Rewards Points Valuations (Updated)

Here are the latest point valuations for the major hotel loyalty programs we feature on our site, as well as what these valuations mean in the real world when it comes to transferring points to major hotel partners.

Best Western Reward Points – 0.6 cents/ point
Hilton Honors Reward Points – 0.6 cents/ point
IHG Reward Points – 0.5 cents/ point

Marriott Bonvoy Reward Points – 0.75 cents/ point
Radisson Rewards Points – 0.4 cents/ point
VOILÀ Rewards Points – 0.7 cents/ point

World of Hyatt Reward Points – 1.7 cents/ point
Wyndham Rewards Points – 1.1 cents/ point

How to Maximize Hotel Rewards Points

Beyond amazing perks, such as complimentary night stays early check-in and late check-out, or free breakfast, one of the best parts of hotel rewards programs is the fantastic value for money members get for their points. Hotel rewards points are applicable for room upgrades, free nights, or other hotel-centric perks. These points also apply to flights with participating airline partners.

Getting the most value for money with hotel loyalty points requires an understanding of what each point is worth, as well as to what partners points can be transferred.

FAQs About the Best Hotel Credit Cards

Many questions arise when considering applying for a hotel credit card. Here are some of the more commonly asked questions concerning hotel cards, loyalty programs, and:

Is it worth it to get a hotel credit card?

Yes and no. If you travel rarely, hotel cards don’t make much sense – unless the card charges no annual fee. Those who frequently travel for business or pleasure can get significant value from a hotel rewards card.

What are the common perks of hotel credit cards?

Many good hotel cards offer the same basic features. These perks include free Wi-Fi, late checkout, potential upgrades, and more. As a rule of thumb, the higher the annual fee, the better the rewards with a credit card from a hotel brand.

How do I get a free night with a hotel card?

All hotel credit cards offer the chance of free night stays. Some cards come with hefty sign-up bonuses, which equate to one to five free nights automatically, while another award free night stays after each cardmember anniversary.

Which hotel cards offer free nights?

As mentioned, some credit cards come with a complimentary night stay after each year of card membership. The following hotel cards currently offer a free night stay to holders each year:

What’s the best hotel loyalty program?

The best rewards programs depend on the user and their intent. However, the Marriott Bonvoy, Hilton Honors, and World of Hyatt programs have an excellent reputation. These loyalty programs offer significant value, impressive rewards, and great perks for members.

Are there hotel cards for people with bad credit?

Unlike airline cards, there are no secured hotel cards. Because of this, they are getting a hotel rewards card requires a good credit score – as a minimum. To get a hotel credit card, applicants need a credit score in the 700s, though a score above 680 might be enough in some cases.

Are there any alternatives to hotel cards?

Because there are no secured hotel cards, people with bad credit should consider a travel rewards card or an airline card. Travel cards are a good choice as they offer a variety of options for redeeming points and offer a greater selection of brands to choose from.

What hotel cards offer free breakfast?

Free breakfast is something everyone enjoys, no matter your credit score or loyalty tier. Several credit cards offer free breakfast as a cardholder perk, including:
Additionally, some hotel loyalty programs offer complimentary breakfast by membership tier:
- Best Western – Free for all Best Western Rewards members.
- Hilton Honors – Gold members receive free breakfast. Gold status requires 20 stays within a calendar year, 40 nights within a calendar year, or 75,000 Hilton Honors Base Points within a calendar year.
- World of Hyatt – Globalist members get free breakfast. This tier requires 60 qualifying nights, 100,000 points, or hosting 20 qualifying events/meetings per year.
- Marriott Bonvoy – Platinum Elite status required for free breakfast. This tier requires 50 nights per year to reach.
- Radisson Rewards – Platinum status earns free breakfast. Platinum is the highest tier and requires 60 nights within a year or 30 stays within a year.
- IHG and Wyndham Rewards – No tiers receive complimentary breakfast.

Find the Best Hotel Rewards Credit Card

How Do Hotel Rewards Credit Cards Work?

Hotel Credit Cards: Pros and Cons

The Benefits of Hotel Credit Cards

The Drawbacks of Hotel Rewards Cards

Browse Our Ultimate Hotel Guides

Best Western Rewards

Caesars Rewards

Choice Privileges

Disney Rewards

Drury Rewards

Hilton Honors

IHG Rewards Club

Marriott Bonvoy

M Life Rewards

Radisson rewards

Sonesta Travel Pass

VOILA Rewards

World of Hyatt

Wyndham Rewards

Current Hotel Rewards Points Valuations (Updated)

How to Maximize Hotel Rewards Points

FAQs About the Best Hotel Credit Cards

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Offer Details

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Terms & Conditions

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How Do Hotel Rewards Credit Cards Work?

Hotel Credit Cards: Pros and Cons

The Benefits of Hotel Credit Cards

The Drawbacks of Hotel Rewards Cards

Browse Our Ultimate Hotel Guides

Current Hotel Rewards Points Valuations (Updated)

How to Maximize Hotel Rewards Points

FAQs About the Best Hotel Credit Cards

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