If you are a frequent traveler who often stays at hotels, a hotel credit card can be a wise financial tool – but what is the easiest hotel credit card to get?
Hotel credit cards often come with mega welcome bonuses, free night stays, elite status, room upgrades and more, so understandably, these cards are reserved for those with good credit scores. For travelers prioritizing complimentary accommodations, researching the best rewards credit card for free hotel stays is essential to maximize their benefits. If you have a good or better credit rating (usually a score of 670 or higher), you have a good chance for approval. If your rating is fair or below (under 670), you should hold off on applying until you can bring up your score. Unfortunately, there are currently no hotel credit cards designed for people with fair credit.
It’s also important to keep in mind when shopping for a new credit card that approval ease isn’t everything. Yes, your credit score absolutely matters, and that will play a big role in the approval process, but you should also consider your spending habits, card fees, how practical the rewards are and so forth before applying for a new card. With that said, we’ve compiled some of our favorite easy approval hotel credit cards below for your consideration.
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See additional picks for the best hotel credit cards.
Frequently asked questions about easy approval hotel credit cards
Which hotel credit card is the easiest to get approved?
Getting approved for any credit card, including hotel credit cards, depends primarily on your creditworthiness. Generally, those with good to excellent credit scores have the highest chance of approval for most hotel-branded cards. There aren’t specific hotel credit cards designed for those with fair or poor credit.
What credit score do I need for a hotel credit card?
Generally, you’ll need a good to excellent credit score, typically a FICO score of 670 or higher, to qualify for most hotel credit cards. However, some cards may have slightly different requirements, and other factors like your income and credit history can also influence approval.
Can I get a hotel credit card with bad credit?
It’s highly unlikely you’ll be approved for a traditional hotel credit card with bad credit. Most hotel-branded cards are designed for individuals with good to excellent credit scores (typically 670 or higher).
However, you might have options for secured credit cards offered by some financial institutions. While these aren’t specific to hotels, responsible use can help you build better credit over time, potentially opening doors to hotel credit cards in the future.
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