Best Credit Card for Hotels
This is a tricky category since so many cards offer high multipliers on their own brand. It's important to look at the value on the return, not just the multiplier here. That's because a 3X multiplier may be worth 6 cents on one card, while another card could have a 10X multiplier that's only worth 3 cents. The (+) versions have the best combination of signup bonus and category multiplier. The (-) versions are the inferior branded card choice or have other significant limitations. It's worth noting, if the value is close, we do usually use the branded card (like Hilton or Marriott) as it shows more loyalty and you may end up getting an extra perk or two. Stated "status perks" that come with some cards like room upgrades and free breakfast are not dependent on use of the card however.
10X | 17.0Per Dollar Spent
All hotels purchased through the chase portal, includes trip insurance.
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Chase Ultimate Rewards »
Point System
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JP Morgan Chase »
Bank
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$1,004 1st Year Value
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60,000 Bonus Points
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$4,000 Minimum Spend
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1.7¢ Max Point Value
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26X | 15.6Per Dollar Spent
Earn 10 points on purchases directly from IHG properties and 16 for being a Platinum member.
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IHG Rewards »
Point System
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JP Morgan Chase »
Bank
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$1,097 1st Year Value
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170,000 Bonus Points
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$4,000 Minimum Spend
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0.6¢ Max Point Value
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9X | 14.4Per Dollar Spent
Earn 4 points per $1 spent for Hyatt stays and experiences, including restaurants and spas. (Plus 5 Base Points per $1 you earn as a World of Hyatt member.)
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World of Hyatt »
Point System
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JP Morgan Chase »
Bank
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$1,361 1st Year Value
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65,000 Bonus Points
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$15,000 Minimum Spend
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1.6¢ Max Point Value
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Our Top Selections for Hotels (+)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
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Chase Sapphire Reserve All hotels purchased through the chase portal, includes trip insurance. |
10x | 1.7¢ | 17.0¢ |
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IHG One Rewards Premier Earn 10 points on purchases directly from IHG properties and 16 for being a Platinum member. |
26x | 0.6¢ | 15.6¢ |
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World of Hyatt Earn 4 points per $1 spent for Hyatt stays and experiences, including restaurants and spas. (Plus 5 Base Points per $1 you earn as a World of Hyatt member.) |
9x | 1.6¢ | 14.4¢ |
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Hilton Honors Surpass Purchases made directly from Hilton. |
12x | 0.6¢ | 7.2¢ |
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Chase Ink Business Cash All hotels booked anywhere, includes trip insurance. |
3x | 1.6¢ | 4.8¢ |
Other Cards with Solid Value for Hotels (=)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
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IHG One Rewards Premier Business Earn 10 points on purchases directly from IHG properties and 16 for being a Platinum member. |
26x | 0.6¢ | 15.6¢ |
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World of Hyatt Business Earn 4 points per $1 spent for Hyatt stays and experiences, including restaurants and spas. (Plus 5 Base Points per $1 you earn as a World of Hyatt member.) |
9x | 1.6¢ | 14.4¢ |
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Citi American Airlines AAdvantage Executive Hotels booked through aa.com/hotels. |
10x | 1.4¢ | 14.0¢ |
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Marriott Bonvoy Boundless Purchases made directly from Marriott. 6x on card, plus 1x for being a silver status member and 10x for being a member |
16x | 0.7¢ | 11.2¢ |
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Marriott Bonvoy Bountiful Purchases made directly from Marriott. 6x on card, plus 10x for being a member |
16x | 0.7¢ | 11.2¢ |
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Capital One Venture X Purchases through Capital One Travel using this Rewards card account. |
10x | 1.1¢ | 11.0¢ |
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Hilton Honors Aspire Purchases made directly from Hilton. |
14x | 0.6¢ | 8.4¢ |
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Wyndham Rewards Earner Business Earn 8 points for every $1 on purchases made at Wyndham hotels. |
8x | 1.0¢ | 8.0¢ |
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Hilton Honors Business Purchases made directly from Hilton. |
12x | 0.6¢ | 7.2¢ |
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Citi Rewards Plus Booked on CitiTravel.com through December 31, 2025.2 |
5x | 1.2¢ | 6.0¢ |
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Wyndham Rewards Earner Plus Earn 6 points for every $1 on purchases made at Wyndham hotels. |
6x | 1.0¢ | 6.0¢ |
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Wyndham Rewards Earner Earn 5 points for every $1 on purchases made at Wyndham hotels. |
5x | 1.0¢ | 5.0¢ |
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Citi Custom Cash Booked on CitiTravel.com through June 30th, 2026 |
4x | 1.2¢ | 4.8¢ |
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US Bank Business Altitude Connect On the first $150,000 in combined annual spend. |
4x | 1.1¢ | 4.4¢ |
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Marriott Bonvoy Business Purchases made directly from Marriott. |
6x | 0.7¢ | 4.2¢ |
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Citi Strata Premier Purchases from hotels & travel agencies (e.g. Expedia or Orbitz) |
3x | 1.2¢ | 3.6¢ |
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Delta SkyMiles Platinum Business Earn 3x miles on purchases made directly with Delta in worldwide hotels. |
3x | 1.2¢ | 3.6¢ |
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Chase Sapphire Preferred 2X points on all travel purchases. 5X on purchases made through the Chase Travel portal. Plus, a $50 annual credit towards hotels booked through the Chase Travel portal. |
2x | 1.6¢ | 3.2¢ |
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Bank of America Business Travel Earn 3 points per $1 spent on travel purchases (car, hotel, airline) booked through the Bank of America Travel Center. |
3x | 1.0¢ | 3.0¢ |
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Amex Business Green Booked on AmexTravel.com |
2x | 1.4¢ | 2.8¢ |
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Amex Gold | 2x | 1.4¢ | 2.8¢ |
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Wells Fargo Active Cash 2% cash back on all purchases |
2x | 1.4¢ | 2.8¢ |
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United Club Infinite | 2x | 1.3¢ | 2.6¢ |
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United Explorer Earn 2 points per $1 spent on hotel accommodations when purchased directly with the hotel. |
2x | 1.3¢ | 2.6¢ |
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United Quest Earn 2 points per $1 spent on hotel accommodations when purchased directly with the hotel. |
2x | 1.3¢ | 2.6¢ |
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British Airways Purchases made directly from Hotels. |
2x | 1.0¢ | 2.0¢ |
Cards Offering Some Value for Hotels with Limitations (-)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
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Capital One Venture Purchases through Capital One Travel using this Rewards card account. |
10x | 1.1¢ | 11.0¢ |
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Capital One Venture X Business Purchases through Capital One |
10x | 1.1¢ | 11.0¢ |
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Marriott Bonvoy Bold Purchases made directly from Marriott. 3x on card, plus 10x for being a Bonvoy member |
14x | 0.7¢ | 9.8¢ |
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IHG One Rewards Traveler Earn 5 points on purchases directly from IHG properties and 10 points for being a card member. |
15x | 0.6¢ | 9.0¢ |
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Amex Business Platinum prepaid hotels on amextravel.com ONLY |
5x | 1.5¢ | 7.7¢ |
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Amex Platinum Prepaid hotels on amextravel.com ONLY |
5x | 1.5¢ | 7.7¢ |
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Wells Fargo Autograph Journey | 5x | 1.4¢ | 7.0¢ |
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US Bank Business Altitude Power Booked directly in the Rewards Center |
6x | 1.1¢ | 6.6¢ |
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Capital One Spark Cash When booked through Capital One Travel |
5x | 1.1¢ | 5.5¢ |
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Capital One Spark Cash Plus When booked through Capital One Travel |
5x | 1.1¢ | 5.5¢ |
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Capital One Spark Cash Select Booked through Capital One |
5x | 1.1¢ | 5.5¢ |
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Capital One Spark Miles Purchases through Capital One Travel using this Rewards card account |
5x | 1.1¢ | 5.5¢ |
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Capital One Spark Miles Select Booked through Capital One Travel |
5x | 1.1¢ | 5.5¢ |
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US Bank Altitude Connect Prepaid hotels on Altitude Rewards Center. |
5x | 1.1¢ | 5.5¢ |
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Capital One Savor Purchases through Capital One Travel using this Rewards card account |
5x | 1.0¢ | 5.0¢ |
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United Gateway Booked through United Hotels |
3x | 1.4¢ | 4.3¢ |
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Hilton Honors Purchases made directly from Hilton. |
7x | 0.6¢ | 4.2¢ |
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Amex Business Gold When booked on AmexTravel.com |
3x | 1.4¢ | 4.2¢ |
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Marriott Bonvoy Bevy Purchases made directly from Marriott. . |
6x | 0.7¢ | 4.2¢ |
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Marriott Bonvoy Brilliant Purchases made directly from Marriott. |
6x | 0.7¢ | 4.2¢ |
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Southwest Rapid Rewards Performance Business Earn 3 points for each $1 spent at participating Rapid Rewards hotels. |
3x | 1.3¢ | 3.9¢ |
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United Business | 3x | 1.3¢ | 3.9¢ |
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United Club Business 2x from United as a MileagePlus member, plus 1.5x miles earned with the United Club Business Card |
3x | 1.3¢ | 3.9¢ |
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Delta SkyMiles Platinum 3x miles on purchases made directly with Delta in worldwide hotels. |
3x | 1.2¢ | 3.6¢ |
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Southwest Rapid Rewards Plus Earn 2 points for each $1 spent at participating Rapid Rewards hotels. |
2x | 1.3¢ | 2.6¢ |
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Southwest Rapid Rewards Premier Earn 2 points for each $1 spent at participating Rapid Rewards hotels. |
2x | 1.3¢ | 2.6¢ |
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Southwest Rapid Rewards Premier Business Earn 2 points for each $1 spent at participating Rapid Rewards hotels. |
2x | 1.3¢ | 2.6¢ |
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Southwest Rapid Rewards Priority Earn 2 points for each $1 spent at participating Rapid Rewards hotels. |
2x | 1.3¢ | 2.6¢ |
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