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Showing 28 Cards
Date Reviewed: March 03, 2020
Cobblestone Rewards Visa Signature®
- Regular Purchase APR 16.74% to 26.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.74% to 26.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 26.74% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- No annual fee
- 5X points on Cobblestone purchases
- 1X points on all other purchases
- 50% additional points with Cobblestone stays after spending $10,000 in a purchasing year
- Regular Purchase APR: 16.74% to 26.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.74% to 26.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Penalty APR: 28.74%
- Foreign Transaction Fee: 1% of each transaction in U.S. Dollars. 2% of each transaction made in currencies other than U.S. Dollars
- Late Payment Penalty Fee: Up to $40
Date Reviewed: February 13, 2020
VOILÀ Hotel Rewards Visa Signature®
- Regular Purchase APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- No annual fee
- 5X points at participating VOILÀ Hotels
- 1X points on all other purchases
- 50% additional points with VOILÀ stays after spending $10,000 in a purchasing year
- Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% 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 advance, whichever is greater
- Penalty APR: 27.24% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of each transaction in U.S.dollars; 2% of each transaction in foreign currencies
- Late Payment Penalty Fee: Up to $40
Date Reviewed: February 13, 2020
LUXE Hotels Rewards Visa Signature®
- Regular Purchase APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- No annual fee
- 5X points with Luxe Hotel Stays
- 1X points on all other purchases
- 50% additional points with Luxe stays after spending $10,000 in a purchasing year
- Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% 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 advance, whichever is greater
- Penalty APR: 27.24% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of each transaction in U.S.dollars; 2% of each transaction in foreign currencies
- Late Payment Penalty Fee: Up to $40
Date Reviewed: January 29, 2020
Diamond Resorts World Mastercard®
- Regular Purchase APR 15.74%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.74%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Intro Purchase APR 0% for 6 months from account opening date on timeshare down payments
- Processing Network Mastercard
- 2X points on purchases from Diamond Resorts
- 1X points on all other net purchases
- 500 points for every $2,000 spent
- Intro Purchase APR: 0% for 6 months from account opening date on timeshare down payments
- Regular Purchase APR: 15.74%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 45 days from account opening date
- Balance Transfer APR: 15.74%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 of 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
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: January 21, 2020
SBI Visa® Real Rewards Card
- Regular Purchase APR 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for the first 6 months
- Processing Network Visa
- No annual fee
- Earn 1.5X points for every dollar spent on purchases
- No cap or limit on the points earnable
- Visa Zero Fraud Liability protection
- Intro Purchase APR: 0% for the first 6 months
- Regular Purchase APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 6 months
- Balance Transfer APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5, whichever is greater
- Cash Advance APR: 25.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 4% of the amount of each advance or $10, whichever is greater
- Foreign Transaction Fee: 2% of each transaction in U.S. dollars; 3% of each transaction in a foreign currency
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $35
Date Reviewed: November 27, 2019
CheapOair Visa® Credit Card
- Regular Purchase APR 15.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 29.99%
- Annual Fee None
- Credit Needed Good , Fair
- Processing Network Mastercard
- 7X points on airline tickets booked through Cheapoair.com
- 9X points on hotel room booked through Cheapoair.com
- 9X points on car rentals booked through Cheapoair.com
- 4X points on dining
- 2X points for all other purchases
- Earn points towards loyalty programs
- Redeem points for flight, hotel, and car rental bookings starting at 200
- 6 month special financing on Cheapoair.com purchases of $399+
- Regular Purchase APR: 15.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
Date Reviewed: October 17, 2019
Sandals Visa Signature® Credit Card
- 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
- Cash Advance APR 17.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 7 months from account opening datea
- Processing Network Visa
- Earn a statement credit of $150 when you make $1,000 in purchases within the first 90 days of the account open date
- No annual fee
- Earn 3x points for every $1 spent on purchases at any Sandals & Beaches resorts
- Earn 1x point per $1 spent on everyday purchases
- Intro Purchase APR: 0% for 7 months from account opening datea
- 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 $10 or 3% of the amount of each transaction, whichever is greater
- Cash Advance APR: 17.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Direct Deposit and Check Cash Advances: Either $10 or 3% of the amount of each transaction, whichever is greater ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
Date Reviewed: October 14, 2019
M life® Rewards Mastercard®
- Regular Purchase APR 19.99% variable based on the Prime Rate
- Balance Transfer APR 19.99% variable based on the Prime Rate
- Cash Advance APR 19.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
- Earn 10,000 points when you spend $1,000 in the first 3 billing cycles
- 3x points and tier credits per $1 spent at M life Rewards Destinations
- 2x points and tier credits per $1 spent on gas and supermarket purchases, 1x points and tier credits per $1 spent everywhere else
- Automatic upgrade to Pearl Level status, priority hotel check-in at M life Resorts, and more
- Regular Purchase APR: 19.99% variable based on the Prime Rate
- Balance Transfer APR: 19.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 19.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 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 $35
Date Reviewed: October 14, 2019
Drury Rewards® Visa® Card
- Regular Purchase APR 18.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 18.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 28.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Visa
- 15,000 points after spending $500 or more within 90 days
- 1X5 Drury Rewards points per $1 spent at Drury Hotel properties
- 2X points per $1 spent on gas, restaurants, and utilities
- 1X point per $1 spent everywhere else Visa is accepted
- No annual fee
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 18.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 18.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 28.49% 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: 28.49% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of each transaction in U.S. dollars; 2% of each transaction made in currencies other than U.S. dollars
- Late Payment Penalty Fee: Up to $39
Date Reviewed: October 14, 2019
IHG® Rewards Club Traveler Credit Card
- 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
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good
- Processing Network Mastercard
- 15X points at IHG Hotels and Resorts worldwide
- 2X points per $1 spent at gas stations, grocery stores and restaurants
- 1X points on all other purchases
- Gold Elite status after spending $10,000
- Save 20% on point purchases when using your card to purchase points
- No foreign transaction 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 $39
- Return Payment Penalty Fee: Up to $39
Read our ULTIMATE Guide to Hotel Rewards Programs and Hotel Credit Cards#
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.
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?
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.
- IHF and Wyndham Rewards – No tiers receive complimentary breakfast.
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, or read our ULTIMATE Guide to Hotel Rewards Programs and Hotel Credit Cards#
Ready to get started? Ready to find the ideal hotel rewards card for you? Let’s find your best card today!
