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Best hotel credit cards of 2019 from our partners

Last Updated, July 18, 2019

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Best no-annual-fee credit cards of 2018The best hotel credit cards can help you stretch your dollar whether you're a road warrior business traveler or an occasional traveler interested in annual trips with your family.

The good news is there is a hotel rewards credit card for just about everyone – whether you're a loyal customer of a particular hotel, you use your credit card mostly for everyday purchases, or you want the flexibility to use your points for any travel-related purchases. And you don't have to pay a hefty annual fee to cash in.

Here is our list of this year's best hotel credit cards. Get ready to maximize your earnings without limiting your perks and rewards.

Best hotel credit cards for flexible rewards

Before we get into the brand-specific hotel cards that are out there, we wanted to give you a couple of our favorite flexible options. That is, these cards aren't technically hotel rewards cards, but the rewards you accumulate with them can certainly be redeemed for hotel stays (or any number of other travel-related expenses, actually). 

Capital One® Venture® Rewards Credit Card

Why it's a top hotel rewards credit card: Cardholders can earn 10 miles per $1 spent on prepaid hotels booked through Hotels.com/Venture and two miles per $1 spent on all your other purchases, making this a lucrative card for hotel bookings and, since it isn't a branded hotel card, you can redeem your all those miles for travel-related purchases, including hotel stays, regardless of the company/brand.

The bonus: Earn 50,000 bonus miles, worth $500 in travel, when you spend $3,000 in the first three months.

The annual fee: $0 intro for first year; $95 after that

The rewards: This card gives you two miles for every $1 you spend, so you never have to plan your purchases to maximize your miles. Furthermore (and more importantly if you're looking at hotel rewards, specifically) you'll earn 10 times the miles per $1 spent when you use your card to book a prepaid stay via Hotels.com/Venture. Then, you can redeem your miles for hotels, flights, car rentals, cruises and other travel-related purchases. Read our full review of the Capital One® Venture® Rewards Credit Card.

So, for example, you can fly any airline, stay at any hotel, anytime and not have to worry about blackout dates. Plus, you can transfer your miles to over 12 leading travel loyalty programs.

Credit needed: Excellent, Good

Chase Sapphire Preferred® Card

Why it's a top hotel rewards credit card: Unlike hotel cards that are tied to specific properties and brands, you can transfer your Ultimate Rewards® points to several frequent flyer and hotel loyalty programs. Plus, your points are worth 25 percent more when you redeem them for travel through Chase's Ultimate Rewards® portal.

The bonus: Cardholders earn 60,000 Chase Ultimate Rewards® points after spending $4,000 in the first three months. That equals up to $750 in travel when redeemed through the portal.

The annual fee: $95

The rewards: You earn two points for every $1 spent for travel and restaurants and 1 point for all other purchases. You can transfer Chase Ultimate Rewards® points to numerous frequent flyer and hotel loyalty programs. Read our full Chase Sapphire Preferred® Card review.

Credit needed: Excellent, Good

Best hotel credit cards for Hyatt rewards

The World Of Hyatt Credit Card

Why it's a top hotel rewards credit card: Chase redesigned the Hyatt card to be a truly impressive addition to your wallet – making it a solid choice for both your hotel stays and some everyday purchases. Plus, that welcome offer right now could be worth as many as 10 reward nights!

The welcome offer: Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus earn an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points.

The annual fee: $95

The rewards: Earn nine points per $1 spent at Hyatt (that's four bonus points for using your card and five base points per $1 you'll earn as a World of Hyatt member). Earn two points per $1 at restaurants, on airline tickets purchased directly with airlines, on local transit and commuting, and on fitness club/gym memberships. Read our full review of The World Of Hyatt Credit Card.

Credit needed: Excellent, Good

Additional features: You'll receive a free night at a Category 1-4 Hyatt hotel or resort every year after your account anniversary; earn a second free night if you spend at least $15,000 in your anniversary year on the card. Take advantage of your automatic World of Hyatt Elite status as a cardholder and receive five qualifying nights every year toward your next status tier.

Best hotel credit cards for Marriott, Starwood and The Ritz-Carlton properties

The merger of Marriott International and Starwood Hotels & Resorts created one of the largest hotel brands in the world, while also creating a new hotel loyalty program: Marriott Bonvoy.

Bonvoy not only brings together the former Marriott Rewards and Starwood Preferred Guest programs under a single umbrella but it folds in The Ritz-Carlton Rewards as well. The result is a hotel loyalty program that covers more than 6,900 properties across 30 hotel brands.  Check out our Marriott Bonvoy guide to learn all about the programs numerous benefits and perks. 

Marriott Bonvoy Boundless™ Credit Card

Why it's a top hotel rewards credit card: Thanks to the joining forces of Marriott, SPG (Starwood) and the Ritz-Carlton rewards programs, hotel guests of these brands now have more opportunities than ever to rack up points and stay where they want to stay. This card helps you collect points for all those hotel brands, plus rewards you with an annual free night.

The bonus: Earn 75,000 bonus pints after you spend $3,000 on purchases in the first three months from opening your account. You'll also enjoy an additional Free Night Award (valued up to 35,000 points) every year after your account anniversary.

The annual fee: $95

The rewards: Rack up six points per $1 spent at more than 6,900 participating Marriott Bonvoy properties. You also earn two points for every $1 spent on all other purchases. Enjoy automatic Silver Elite Status each account anniversary year and earn Gold Status when you spend $35,000 on purchases each account year. Read our full review of the Marriott Bonvoy Boundless™ Credit Card.

Credit needed: Excellent, Good

Marriott Bonvoy Bold™ Credit Card

Why it's a top hotel rewards credit card: Most hotel-branded cards come with annual fees, but this one breaks that trend. This card is a solid option for the cardholder who is Marriott-loyal, but maybe doesn't travel enough to justify paying an annual fee. 

The bonus: Earn 50,000 bonus pints after you spend $2,000 on purchases in the first three months from opening your account.

The annual fee: $0

The rewards: Earn three points per $1 spent with participating Marriott Bonvoy properties and two points per $1 spent on travel, including airfare, trains, taxis and more. You earn one point per $1 on your other purchases. Read our full Marriott Bonvoy Bold™ Credit Card review.

Credit needed: Excellent, Good

Marriott Bonvoy Business™ American Express® Card

Why it's a top hotel rewards credit card: If business causes you to travel often and you're loyal to the Marriott brand, why wouldn't this card be in your wallet? New members can earn a 75,000 point bonus once using the card for $3,000 in purchases in the first three months, six points at participating Marriott Bonvoy hotels, four points at U.S. restaurants, gas stations, and on select business purchases, as well as two points on everything else. With that kind of point earning potential, there are a ton of opportunities to cash in on free rooms fast, saving money for you and your business. Terms apply. American Express is a CardRatings advertiser. 

The bonus: Earn 75,000 bonus Marriott Bonvoy points after you use your new card to make $3,000 in purchases within the first three months. Terms apply. 

The annual fee: $125

The rewards: Earn six points are participating Marriott Bonvoy hotels, four points at U.S. restaurants and gas stations, four points on wireless phone services purchased directly from U.S. service providers and on U.S. purchases for shipping, and two points on all other eligible purchases. Terms apply. 

Credit needed: Good, Excellent


Best hotel rewards for IHG properties

IHG® Rewards Club Premier Credit Card

Why it's a top hotel rewards credit card: The card offers you a free night's stay after every card anniversary as well as each time you redeem your points for a stay of four nights or more.

The bonus: Earn 80,000 bonus points after you spend $2,000 in the first three months of account membership.  

The annual fee: $89

The rewards: You rack up 25 points total when you stay at IHG hotels. You also earn two points for every $1 spent at gas stations, grocery stores and restaurants and one point for every $1 on all other purchases. Read our full IHG® Rewards Club Premier Credit Card review.

Credit needed: Excellent, Good

Best hotel rewards credit cards for Hilton properties

Hilton Honors points can then be redeemed for free stays at more than 4,800 Hilton properties or for other travel services or entertainment options. While Hilton Honors points can be earned on hotel stays and through select Hilton purchases, the quickest way to rack up Hilton Honors points is by using a Hilton Honors credit card. 

Hilton Honors credit cards automatically help you achieve elite Hilton Honors status, which only adds to point earning ease. Learn more about earning and using Hilton Honors points in our Hilton Honors rewards program guide. 

Hilton Honors American Express Surpass® Card

Why it's a top hotel rewards credit card: This card is great for people who regularly stay at Hilton properties, but it also offers generous points for everyday purchases like at restaurants, supermarkets and gas stations. 

The welcome offer: Earn 130,000 Hilton Honors bonus points and a free weekend night reward after you spend $4,000 in the first four months. Also, receive a weekend night stay reward after you spend at least $15,000 in a calendar year, an ongoing perk that could help you completely offset your annual fee each year. Terms apply. 

The annual fee: $95.

The rewards: You pick up 12 points for every $1 spent at participating Hilton properties. You also get six points for every $1 spent at U.S. restaurants, U.S. supermarkets and U.S. gas stations, and 3 points per $1 for all other purchases. Terms apply. Read our full Hilton Honors American Express Surpass® Card review.

Credit needed: Good, Excellent

Added perk: You can earn a weekend night stay reward each calendar year you spend $15,000 on your card. Cardholders can enjoy 10 complimentary airport lounge visits each year after a one-time enrollment in Priority Pass™ Select. That's an excellent (and rare!) feature for a card with a modest annual fee. Terms apply.

The Hilton Honors American Express Business Card

Why it's a top hotel rewards credit card: This card is excellent for road warrior business folks. Not only does it offer points for your Hilton purchases, it also offers you extra points on select business and travel purchases. Terms apply. 

The welcome offer: Earn 125,000 Hilton Honors bonus points after your spend $3,000 in the first three months. Terms apply. 

The annual fee: $95.

The rewards: You pick up 12 points for every $1 spent on eligible purchases at participating Hilton properties, six points for every $1 spent on select business and travel purchases, and three points for every $1 spent on all other purchases. Terms apply. Read our full review of The Hilton Honors American Express Business Card.

Credit needed: Good, Excellent

Added perk: You can earn up to two weekend night stays each calendar year. Earn your first night after spending $15,000 in a calendar year and earn another weekend night after spending an additional $45,000 in the same calendar year. Additionally, you'll also enjoy 10 complimentary airport lounge visits each calendar year after a one-time signup with Priority Pass™ Select. Terms apply. 


For rates and fees of the American Express cards mentioned above, please see the following links: Hilton Honors American Express Surpass® Card (See Rates and Fees); The Hilton Honors American Express Business Card (See Rates and Fees); Marriott Bonvoy Business™ American Express® Card (See Rates and Fees)

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

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