Best credit cards for hotel rewards
CardRatings editors break down the top hotel reward cards in multiple categories.
See best cardsFrequently Asked Questions
What credit score is needed for a hotel credit card?
The credit score needed for a hotel credit card can vary depending on the specific card and the issuer's criteria. Hotel credit cards are typically categorized as rewards or travel credit cards, and they may have different credit score requirements. In general, hotel credit cards are often issued to individuals with good to excellent credit scores.
Can credit cards get you free hotel stays?
Yes, credit cards can indeed help you earn free hotel stays through various rewards programs. Many credit cards, especially those in the travel and hotel categories, offer points, miles, or other forms of rewards that can be redeemed for complimentary hotel accommodations. Here's how credit cards can contribute to free hotel stays:
- Hotel rewards cards. Some credit cards are co-branded with specific hotel chains, and they earn points or miles directly within that hotel's loyalty program. These points can then be redeemed for free nights or upgrades within that hotel's network.
- Flexible travel rewards cards. Many travel rewards credit cards offer points or miles that can be redeemed for a variety of travel expenses, including hotel stays. These cards often have partnerships with multiple hotel chains, providing flexibility in choosing where to redeem your rewards.
- Sign-up bonuses. Credit cards often offer sign-up bonuses, which can include a substantial number of points or miles. These bonuses can be a quick way to accumulate enough rewards for a free hotel stay, especially if the card is associated with a hotel loyalty program.
- Point transfer programs. Some credit cards allow you to transfer points to hotel loyalty programs at favorable exchange rates. This can be a strategic way to leverage your credit card rewards for free hotel stays within a specific hotel chain.
- Complimentary nights. Certain credit cards, especially premium or hotel-branded cards, may offer annual complimentary night certificates as part of their benefits. These certificates can be used for a free night at participating hotels.
- Elite status benefits. Some credit cards offer elite status within hotel loyalty programs as part of their perks. This elite status often includes benefits like room upgrades, late check-out, and additional points earning, making it easier to earn free stays.
Are hotel credit cards worth it?
The worth of a hotel credit card depends on how well the card's benefits align with your travel habits and preferences. If you frequently stay at a specific hotel chain and can maximize the associated rewards and perks, a hotel credit card may be a valuable addition to your wallet. However, if your travel patterns are more varied, a general travel rewards card with flexible redemption options might be a better fit.