By | April 30, 2020

The best hotel credit cards are cards that offer extra redeemable points when the card is used to book rooms, and the accumulated points can be redeemed for free stays.

Hotel credit cards, come in two categories, they are the general travel rewards cards and co-branded cards. The general hotel credit cards are not affiliated with any specific hotel chain. While the co-branded credit cards offer unique value on specific hotel brands.

Best Hotel Credit Cards

If you only patronize certain hotel chains, then you would be making a great choice by settling for a co-branded hotel card. But if you think or know that your hotel stays will or may vary, then you should go for universal rewards structure of a general travel rewards card.

Things to Consider Before Settling for Hotel Credit Cards

These are some salient things you should take into consideration as you search for a hotel credit card:

  • Rewards you are likely to earn.
  • How to redeem those rewards.
  • Sign-up bonus
  • Annual fee
  • Benefits linked with the card.

Best Hotel Credit Cards

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is card with a competitive sign up bonus. It is a travel card that comes with a moderate annual fee.

Credit Score Required

Good – Excellent

Rewards

  • Offers 2X points on travel and dining at restaurants.
  • 1X point per dollar spent on all other purchases worldwide.

More

Get 60,000 points worth $750 when redeemed for hotel reservations or other travel purchases via the Chase Ultimate Rewards portal if you spend $4,000 in the first three months after opening your account.

What Fees Apply?

  • Annual Fee – $95
  • Regular APR – 17.49% – 24.49% variable
  • Foreign Transaction Fee – 0%.

Chase Sapphire Reserve®

The Chase Sapphire Reserve® credit card is card that is known to dish out valuable reward points. Thus if you need a card that will earn you a high rewards rate on stays at any hotel, and offer you a wide array of other travel expenses this is a the card you should go for.  

Credit Score Required

Excellent

Rewards

  • Cardholders earn 3X points on travel immediately after earning your $300 travel credit.
  • There’s a 3X points on dining at restaurants.
  • Enjoy 1 point per $1 spent on all other purchases.

More

Points used in booking hotel stays through the Ultimate Rewards portal, are worth an outstanding 1.5 cents each.

Points can be transferred to partner hotel programs.

What Fees Apply?

  • Annual Fee – $550
  • Regular APR – 18.49% – 25.49% variable
  • Foreign Transaction Fee – 0%.

Ink Business Unlimited

The Ink Business Unlimited credit card is an ideal card for business. It offers unlimited 1.5% cash back on every purchase, which makes it easy to earn rewards on business expenses which can be used for hotel stays as you travel.

Credit Score Required

Good – Excellent

Rewards

Offers unlimited 1.5% cash back on every purchase.

More

  • Rewards redeemed through the Chase Ultimate Rewards program gives you a variety of hotel options to choose from.
  • Ink Business Unlimited charges no annual fee.
  • It offers unlimited 1.5% cash back on every purchase, which makes it easy to earn rewards on business expenses which can be used for hotel stays as you travel.

What Fees Apply?

  • Annual Fee – $0
  • Regular APR – 14.74% – 20.74% variable
  • Intro Purchase APR – 0% for 12 months
  • Cash Advance APR – 26.49%

Cash Advance Fee – Either $15 or 5% of the amount of each transaction, whichever is greater.

Marriott Bonvoy Boundless™ Credit Card

The Marriott Boundless™ Credit Card is designed for those who are fans of Marriott hotels and those who want to benefit from it’s loyalty.

Credit Score Required

Good – Excellent

Rewards

Cardholders earn 6X points for every $1 spent at participating Marriott Bonvoy hotels.

Enjoy 2X points everywhere else.

More

  • Get 75,000 points after spending $3,000 within three months of opening your account.
  • Marriott Bonvoy Boundless™ Credit Card does not charge a triple-digit annual fee.
  • Offers a free night stay every year worth up to 35,000 points.
  • You can earn an automatic sliver elite status at Marriott Bonvoy properties.
  • Get and enjoy hotel perks like late checkout, free wifi, as well as access to exclusive member rates.

What Fees Apply?

  • Annual Fee – $95
  • Regular APR – 17.49% – 24.49% variable
  • Foreign Transaction Fee – 0%