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Marriott Bonvoy Bevyâ„¢ American Express
Marriott Bonvoy Bevyâ„¢ American Express
- 20.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.74% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Eearn 85,000 Marriott Bonvoy® points after you make $4,000 in purchases on your new Card within the first 3 months
- Earn 6 Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy
- Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2x points)
- Earn 2X points on all other eligible purchases
- 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott properties participating in Marriott Bonvoy.
- Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card.
- $250 Annual Fee
- Terms apply
- Regular Purchase APR: 20.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
IHG Rewards Premier Business Credit Card
IHG Rewards Premier Business Credit Card
- 20.49% to 27.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% to 27.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The IHG Rewards Premier Business Credit Card from Chase earns up to 26X points on purchases and features an impressive 140,000 bonus points welcome offer – for a $99 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay
- Earn up to 26 points total per $1 spent when you stay at an IHG hotel
- Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Platinum Elite status as long as you remain a Premier Business card member
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Regular Purchase APR: 20.49% to 27.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.49% to 27.49% 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: 29.49% 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: $99
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
- You own a small business and frequently stay at IHG properties
- You spend heavily on travel purchases or advertising
- You don’t already have TSA PreCheck
- You plan to issue multiple employee cards to maximize rewards
Wyndham Rewards® Earner℠Business Card
Wyndham Rewards® Earner℠Business Card
- 20.24%, 24.24% or 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24%, 24.24% or 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.49% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months on qualifying Wyndham Timeshare Purchases Intro Purchase APR
At a Glance
The Wyndham Rewards® Earner? Business Card is ideal for small companies that send their employees on trips for work – and want to earn impressive rewards towards significant savings. The card, issued by Barclays, features automatic Wyndham Diamond Elite status and more – for a $95 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 8 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases
- Earn 5 points per $1 spent on eligible marketing, advertising services, and utilities
- Earn 1 points per $1 spent on all other purchases (excluding Wyndham Timeshare resorts down payments)
- Automatically receive Wyndham Rewards DIAMOND member level
- Receive 15,000 bonus points each anniversary year – enough for up to two free nights at participating propeties
- Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days
- Plus earn an additional 30,000 bonus points after spending a total of $2,000 in the first 6 months.
- Intro Purchase APR: 0% for 6 months on qualifying Wyndham Timeshare Purchases
- Regular Purchase APR: 20.24%, 24.24% or 29.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24%, 24.24% or 29.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
- You travel often and prefer booking accommodations with Wyndham hotels
- You plan to issue additional employee cards
- You plan to make purchases abroad and do not want to pay foreign transaction fees
- You want your employees to enjoy the best amenities when traveling, courtesy of Diamond elite status
Wyndham Rewards Earner® Plus Card
Wyndham Rewards Earner® Plus Card
- 19.99%, 24.24% or 29.24% variable based creditworthiness and the Prime Rate Regular Purchase APR
- 19.99%, 24.24% or 29.24% variable based creditworthiness and the Prime Rate Balance Transfer APR
- 29.24% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date or 0% for 6 months (from purchase date) on Wyndham Timeshare purchases Intro Purchase APR
At a Glance
The Wyndham Rewards Earner® Plus Card is a premium hotel card that earns decent points for its $75 annual fee. The Barclays-issued card really comes into its own, however, when the impressive status upgrades, status matches, and big bonuses are accounted for.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 30,000 bonus points, enough for up to 4 free nights after spending $1,000 on purchases in the first 90 days
- Earn 5X points on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases
- Earn 2X points on eligible dining and grocery store purchases (excluding Target® and Walmart®)
- Earn 1X points on all other purchases (excluding Wyndham Vacation Club down payments)
- Automatically receive a Wyndham Rewards GOLD member level and enjoy perks like free WiFi, preferred room selection, late checkout, and more
- Redeem 10% fewer Wyndham Rewards points for go free® awards, and earn your free nights faster
- Wyndham Rewards Earner Cardmembers can save even more on our Best Available Rate for stays at participating Hotels by Wyndham
- There is no limit to the number of points you can earn
- Redeem points you've earned for online shopping, discounts on gas, local tours and activities, gift cards, and so much more
- Earn 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases—that's enough for up to one free night every year
- Intro Purchase APR: 0% for 12 months from account opening date or 0% for 6 months (from purchase date) on Wyndham Timeshare purchases
- Regular Purchase APR: 19.99%, 24.24% or 29.24% variable based creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 45 days of account opening
- Balance Transfer APR: 19.99%, 24.24% or 29.24% variable based 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: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $75
- Foreign Transaction Fee: 0% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $40 (the amount of the fee varies by state)
- Return Payment Penalty Fee: Up to $40 (the amount of the fee varies by state)
- You're already a member of Wyndham Rewards or prefer to stay at any of Wyndham’s 20+ brands
- You use your credit cards to spend heavily on gas, dining, or groceries
- You have an existing balance on another card that you can transfer and pay off without interest charges for over a year
- You plan to use a credit card for purchases outside the United States and don’t want to worry about foreign transaction fees
Hilton Honors American Express Business Card
Hilton Honors American Express Business Card
- 20.24% to 29.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
The Hilton Honors American Express Business Card is a rewarding hotel credit card for business owners that frequent Hilton hotels and resort. Small and mid-sized businesses will find it easy to earn points through regular business purchases and travel-related purchases on top of dining and U.S. gas stations.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Limited Time Offer: Earn 165,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on the Card within your first 3 Months of Card Membership. Offer ends 4/5/23
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year
- Terms apply
- Regular Purchase APR: 20.24% to 29.24% variable based on creditworthiness and Prime Rate
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% 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 $39
- Return Payment Penalty Fee: $39
- You primarily travel within the United States
- You want rewards for gas and dining purchases
- You have business expenditures of at least $60,000
- You frequently travel for business on multiple day trips that require lodging
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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:
| Cash back | Flights with airline partners | Gift cards |
| Merchandise | Flights with partners | Car rentals with partners |
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.
| Pros | Cons |
| Earn points you can use towards free night stays at select hotels. | Points only apply to one hotel brand and affiliated programs. |
| Some hotel credit cards provide free nights as a welcome bonus, on account anniversaries, or for meeting spending requirements. | You might need to pay an annual fee if you want to get the best rewards or hotel benefits. |
| Many cards offer complimentary elite tier status in the loyalty program. | Limited award availability on some redemption options. |
| Hotel-specific perks, like lounge access, free high-speed Wi-Fi, complimentary breakfast, upgrades, and more. | Some hotel loyalty programs are inflexible on award bookings making it tough to get the value you want. |
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.Â
How to Choose a Hotel Rewards Credit Cards
| â‘ Find the hotel loyalty program that’s right for you | One of the reasons why hotel rewards cards are so popular is that they savings across multiple brands under one hotel’s umbrella. If you prefer staying in a Marriott, for example, the Marriott Bonvoy program might be best for you. |
| â‘¡ Sign-up bonuses | Hotel credit cards often feature amazing welcome bonuses for new and successful applicants. It’s not uncommon to see sign-up bonuses of 100,000 points or more. |
| â‘¢ Flexibility of rewards | Rewards flexibility is another critical consideration when it comes to this type of card. Many hotel rewards credit cards have fairly strict terms of redemption. These are typically for hotels within the hotel’s portfolio, or transfers to other partners, such as airline rewards programs. |
| â‘£ Hotel perks | Before you apply for a hotel rewards credit card always be check out the benefits you can expect from card membership. The higher the annual fee, the better the perks. The same rationale applies to other perks, like lounge access at airports. |
| ⑤ Consider another rewards card | Because co-branded credit cards feature more restrictive reward redemptions than proprietary rewards cards from banks like Citi, Chase, or Amex. |
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:
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Current Hotel Rewards Points Valuations
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.
| Program | Value (cents/point) |
| Best Western Rewards | 0.6 |
| Caesars Rewards | 0.8 |
| Choice Privileges | 0.6 |
| Drury Rewards | 1.1 |
| Hilton Honors | 0.7 |
| IHG Rewards | 0.8 |
| Marriott Bonvoy | 0.5 |
| MGM Rewards | 0.8 |
| Radisson Rewards | 0.4 |
| Sonesta Travel Pass | 0.4 |
| VOILÀ Rewards | 0.7 |
| World of Hyatt | 1.5 |
| Wyndham Rewards | 1.1 |
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:
- 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.
- 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.
- 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.
- 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:
- 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.
- 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.
- 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.
- 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.
- Most hotels hold $50 to $200 per night for incidentals, on top of the room price.
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