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August 13, 2018
Hilton Honors American Express Surpass® Card
150,000 Hilton Honors Bonus Points for Redemption
- Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $95
- Credit Needed Excellent , Good
- Processing Network American Express
- 12X Hilton Honors points per $1 spent on purchases at participating Hilton properties
- 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
- Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- 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: 29.24% variable based on the Prime Rate
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
August 14, 2018
Hilton Honors Card
Earn 95,000 Hilton Honors Points Bonus
- Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network American Express
- 7X Hilton Honors points on Hilton purchases
- 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
- Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- 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: 29.24% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
August 15, 2018
Hilton Honors American Express Business Card
Earn 125,000 Hilton Honors Bonus Points
- 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
- Annual Fee $95
- Credit Needed Excellent , Good
- Processing Network American Express
- Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card within the first 3 months
- 12X points on Hilton purchases
- 6X points at business purchases: gas stations, wireless telephone services, shipping purchases
- 6X points on flights booked directly with airlines or Amex Travel, car rentals booked directly from select car rental
- Complimentary Hilton Honors Gold status
- Free Weekend Night Reward after spend $15,000 within calendar year
- Second Weekend Night Reward from Hilton Honors after spending $60,000 within calendar year
- 10 free visits to over 1,000 Priority Pass airport lounges every year
- Spend $40,000 to be upgraded to Diamond status
- No foreign transaction 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 $5 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.24% variable based on the Prime Rate
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
August 30, 2018
Radisson Rewards™ Visa® Card
Earn up to 3 Free Award Nights
- Regular Purchase APR 23.99% variable based on the Prime Rate
- Balance Transfer APR 23.99% variable based on the Prime Rate
- Cash Advance APR 25.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good
- Processing Network Visa
- Earn 3 points per $1 spent in eligible net purchases at the Radisson Family of Hotels
- Earn 1 point per $1 spent in eligible net purchases everywhere else
- Get 30,000 Bonus Points after you spend $1,000 in eligible net purchases on your card within the first 90 days
- Earn one free e-cert for each $10,000 in spend (up to $30,000/3 nights)
- Regular Purchase APR: 23.99% variable based on the Prime Rate
- Balance Transfer APR: 23.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 25.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 4% of the amount of each advance or $5 minimum, whichever is greater
- Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
August 30, 2018
Radisson Rewards™ Premier Visa Signature® Card
Earn Up to 9 Free Award Nights
- Regular Purchase APR 14.99% to 23.99% variable based on your creditworthiness and the Prime Rate
- Balance Transfer APR 14.99% to 23.99% variable based on your creditworthiness and the Prime Rate
- Cash Advance APR 25.99% variable based on the Prime Rate
- Annual Fee $75
- Credit Needed Good
- Processing Network Visa
- Earn free stays at more than 1,100 hotels across the globe including the Radisson Collection, Radisson Blu®, Radisson®, Radisson RED, Park Plaza®, Park Inn® by Radisson and Country Inn & Suites® by Radisson
- Get 10 points per $1 spent in eligible net purchases at participating Radisson Family of Hotels
- Get 5 points per $1 spent in eligible net purchases everywhere else
- Earn up to 85,000 bonus points - receive 50,000 bonus points after your first purchase, plus 35,000 points when you spend $2,500 within the first 90 days of account opening
- Regular Purchase APR: 14.99% to 23.99% variable based on your creditworthiness and the Prime Rate
- Balance Transfer APR: 14.99% to 23.99% variable based on your creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 25.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 4% of the amount of each advance or $5 minimum, whichever is greater
- Annual Fee: $75
- Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $35
August 31, 2018
IHG® Rewards Club Premier Credit Card
Earn 80,000 Bonus Points + 25X Points at IHG Hotels
- Regular Purchase APR 17.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 17.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 26.49% variable based on the Prime Rate
- Annual Fee $89
- Credit Needed Excellent , Good
- Processing Network Mastercard
- 80,000 bonus points after spending $3,000 on purchases in the first 3 months, then another 10,000 points one spending reaches $20,000
- 40X points per $1 spent at IHG® Hotels & Resorts
- 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants
- 1 point per $1 spent on all other purchases
- Automatic Platinum Elite status
- Free night after each account anniversary year at IHG hotels worldwide
- Free reward night when you redeem points for any stay of 4 or more nights
- Regular Purchase APR: 17.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 17.49% to 24.49% 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: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: $89
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
September 05, 2018
Hilton Honors American Express Aspire Card
Redeem More with 150,000 Bonus Points
- Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.74% to 24.74% variable on transfers requested within 60 days from account opening date
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $450
- Credit Needed Excellent
- Processing Network American Express
- 14X points for Hilton hotels and resorts
- 7X points on flights booked directly with airlines or through amextravel.com, ca
- 7X points on car rentals booked directly from select car rental companies
- 7X points at US restaurants
- 3X points on all other purchases
- Complimentary Diamond Status in the Hilton Honors rewards program
- Anniversary bonus of one weekend night
- Earn additional weekend night reward after spending $60,000 within calendar year
- $250 Hilton resort statement credit
- Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.74% to 24.74% variable on transfers requested within 60 days from account opening date
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- 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: 29.24% variable based on the Prime Rate
- Annual Fee: $450
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
December 10, 2018
World of Hyatt Credit Card
Earn up to 50,000 Bonus Points (Worth 10 Free Nights!)
- Regular Purchase APR 17.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 17.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 26.49% variable based on the Prime Rate
- Annual Fee $95
- Credit Needed Excellent , Good
- Processing Network Visa
- Automatic World of Hyatt Discoverist status
- 4X points per $1 spent at Hyatt hotels
- 2X points per $1 spent on transit, dining, airline tickets, and gyms
- 1X points per $1 for all other card purchases
- Free night award after every cardmember anniversary
- Additional free night for spending $15,000 during your cardmember anniversary year
- Regular Purchase APR: 17.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 17.49% to 24.49% 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: 26.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
April 10, 2019
Marriott Bonvoy Brilliant™ American Express® Card
Earn 75,000 Marriott Bonvoy Bonus Points
- Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.74%-24.74% variable based on creditworthiness and the Prime Rate on transfers made within 60 days of account opening
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $450
- Credit Needed Excellent
- Processing Network American Express
- 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
- Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.74%-24.74% variable based on creditworthiness and the Prime Rate on transfers made within 60 days of account opening
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- 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: Up to 29.24% variable based on the Prime Rate
- Annual Fee: $450
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
April 10, 2019
Marriott Bonvoy Business™ American Express® Card
75,000 Bonus Points
- 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
- Annual Fee $125
- Credit Needed Excellent , Good
- Processing Network American Express
- 6X Marriott Bonvoy Points per $1 at participating Marriott Bonvoy hotels
- 4X points per $1 at U.S. restaurants, gas stations, wireless telephone services, and on shipping purchases
- 2X points on all other eligible purchases
- Complimentary Marriott Bonvoy Silver Elite Status
- 1 Free Night Award each year after cardmember anniversary
- 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 $5 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.24% variable based on the Prime Rate
- Annual Fee: $125
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
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, groceries, gas stations, and other groups. Businesses can benefit significantly from bonus categories, which include advertising, shipping, air travel, and more.
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 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.
General travel credit cards 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.
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
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
These evaluations will help you find the best credit card for hotel points. And having the ideal hotel points credit card can make the difference between a free night., or having to spend a little bit more on your next stay.
What to Look for In a Hotel Rewards Card
There are many things to consider when looking for a hotel card. These depend on the need of the individual. However, there are things to keep an eye on:
- Signup bonuses
- Annual fees
- Rewards flexibility
- Cardholder perks
- No foreign transaction fees
Should You Get a Hotel Rewards Credit Card?
Hotel credit cards offer significant value, but should you apply? The answer is likely “yes” if you meet the following criteria:
- You plan to stay with one hotel brand. Staying with these brands will earn extra rewards.
- The perks are valuable. Value with perks and benefits vary based on the individual. Do you travel enough to get value from hotel-centric perks?
- You have an excellent credit score. Travel credit cards require higher credit scores, meaning that they may be out of the reach of many applicants. The best credit scores also get the most significant rewards. Before applying, make sure you have good odds of approval – otherwise, your credit report may take a hit with nothing to show for it.
- You plan to pay your statement balance in full each month. Rewards cards make no sense if you carry a balance. That’s because the interest you accrue will eliminate the rewards you earn or every purchase.
- The benefits outweigh the annual fee. Will the points, perks, and credits offer more value than the yearly cost of being a card member?
Browse the Best Hotel Rewards Credit Cards of 2020
Trying to find your ideal hotel rewards credit card? Maybe you want information on the best hotel credit card rewards program? BestCards has comprehensive and impartial reviews of over 800 credit cards. Scan our hundreds of reviews, use our comparison tool, and take advantage of our extensive credit card resources and advice.
Ready to get started? Ready to find the ideal hotel rewards card for you? Let’s find your best card today!
