If you frequently travel and stay at hotels then you should consider signing up for a co-branded hotel credit card! Hotel credit cards are specialized co-branded cards that offer rewards and perks with a specific hotel brand or set brands.
Keep in mind that most co-branded card only lets you redeem the rewards you earn within the hotel chain you chose, however, consider a general travel credit card if you want flexible rewards that you can either transfer to select hotel rewards programs or use to book any hotel property.
Continue reading below to learn more about popular co-branded and general travel credit cards.
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Table of Contents
Best Hotel Credit Cards Summary
|American Express® Green Card||Best overall card for travel|
|The Platinum Card® From American Express||Best card for luxury hotels|
|Chase Sapphire Reserve®||Best premium card for earning|
|Chase Sapphire Preferred® Card||Best mid-tier card for earning|
|Marriott Bonvoy Brilliant™ American Express® Card||Best overall Marriott card|
|Marriott Bonvoy Boundless™ Credit Card||Best low-cost Marriott card|
|Hilton Honors American Express Aspire Card||Best overall Hilton card|
|Hilton Honors American Express Surpass® Card||Best low-cost Hilton card|
|IHG® Rewards Club Premier Credit Card||Best overall IHG card|
Hotel Credit Card Features
As you consider the options we’ve listed, think about what benefits you’re looking for in a hotel credit card, as well as the value you may get from having added the flexibility of a general rewards program versus a hotel loyalty program.
Also checkout the following:
- Welcome bonus
- Earning potential
- Elite status perks
- Recurring benefits
- Category bonuses
- Spend bonuses
The Best Hotel Credit Cards of 2020
The American Express® Green Card is the best overall card for travel with 30k welcome bonus points – worth $600 in value – and triple points on travel worldwide. See what you can do with these points from our guide to American Express Membership Rewards®.
The American Express® Green Card offers up to $100 in statement credits towards any eligible purchase made directly with Away in your first 3 months. Offer ends 1/15/2020. Plus, earn 30,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months.
You'll earn 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours & 3X Membership Rewards® points at restaurants worldwide.
This card does carry a $150 annual fee & no foreign transaction fees. Terms Apply. See Rates & Fees
The Platinum Card® from American Express is the best card for luxury hotels with 60k welcome bonus points – worth $1,200 in value – and 5x points on prepaid hotel bookings via Amex Travel. You’ll also get automatic Marriott Bonvoy Gold and Hilton Honors Gold status. Check out our guide to American Express Membership Rewards® to find out what else you can do with these bonus points.
The The Platinum Card® from American Express offers 75,000 Membership Rewards(R) Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
• 10X points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That's an additional 9 points on top of the 1 point you earn for these purchases.
• 5X Membership Rewards(R) Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
• 5X Membership Rewards(R) Points on prepaid hotels booked on amextravel.com.
This card comes with an annual fee of $550 (See Rates & Fees), but you cardholders can enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
Plus, up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card® & receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts.
The Chase Sapphire Reserve® is the best premium card for earning on hotel spending with 50k welcome bonus points – worth $1,000 in value – and triple points on travel. You’ll also get $300 in travel credit every year.
The Chase Sapphire Reserve® offers 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
You'll earn 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. When redeeming your points for travel through Chase Ultimate Rewards, you'll get 50% more value.
This card does carry a $550 annual fee and there are no foreign transaction fees. However, you're able to earn a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year & up to $100 application fee credit for Global Entry or TSA Pre?®.
The Chase Sapphire Preferred® Card is the best mid-tier card for earning on hotel spending with 80k welcome bonus points – worth $1,600 in value – and double points on travel.
The Chase Sapphire Preferred Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®! Plus earn up to $50 in statement credits towards grocery store purchases.
You'll earn 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases. And when you redeem your points for travel through Chase Ultimate Rewards, you'll get 25% more value!
Furthermore, you'll earn 2X total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
You get unlimited deliveries with a $0 delivery fee & reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
This card carries a $95 annual fee.
The Marriott Bonvoy Brilliant™ American Express® Card is the best overall card for Marriott hotels with 125k welcome bonus points – worth $1,125 in value – and 6x points on Marriott spending. You’ll also get automatic Marriott Bonvoy Gold status, 15 Elite Night Credits every year, a $300 annual Marriott Bonvoy statement credit, a $100 annual Marriott Bonvoy property credit and one Free Night Award each year.
The Marriott Bonvoy BrilliantTM American Express® Card offers 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
In addition, you can enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.
With this card, you'll earn:
• 6X Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy Hotels.
• 3X points at U.S. restaurants and on flights booked directly with airlines.
• 2X points on all other eligible purchases.
This card comes with a $450 annual fee and no foreign transaction fees. However, you can receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
Furthermore, enjoy unlimited airport lounge visits when you enroll in Priority Pass Select membership.
The Marriott Bonvoy Boundless™ Credit Card is the best low-cost card for Marriott hotels with a generous welcome bonus and high earning rate on Marriott spending. You’ll also get automatic Marriott Bonvoy Silver status, 15 Elite Night Credits every year, and one Free Night Award each year.
The Marriott Bonvoy BoundlessTM Credit Card offers 75,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
You'll earn 6X Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott BonvoyTM & 2X Bonvoy points for every $1 spent on all other purchases.
You'll earn 6X Bonvoy points per $1 spent at over 6,900 participating Marriott Bonvoy hotels & 2X Bonvoy points for every $1 spent on all other purchases.
You gain an automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
You'll receive 15 Elite Night Credits each calendar year & an additional Free Night Award (valued up to 35,000 points) every year after account anniversary.
This card does carry a $95 fee; there are no foreign transaction fees.
The Hilton Honors American Express Aspire Card is the best overall card for Hilton hotels with 150k welcome bonus points – worth $900 in value – and 14x points on Hilton spending. You’ll also get automatic Hilton Honors Diamond status and a $250 annual Hilton resort credit.
The Hilton Honors American Express Aspire Card offers 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
You're able to earn:
• 14X Hilton Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio;
• 7X Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies & at U.S. restaurants.
• 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
This card does come with a $450 annual fee, however, you can enjoy up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio. In addition, you can benefit with a complimentary Diamond status with your Hilton Honors Aspire Card.
The Hilton Honors American Express Surpass® Card is the best low-cost card for Hilton hotels with 150k welcome bonus points – worth $900 in value – and 12x points on Hilton spending. You’ll also get automatic Hilton Honors Gold status.
The Hilton Honors American Express Surpass® Card offers 150,000 Hilton Honors Bonus Points after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn a $150 statement credit after your first purchase on the Hilton Surpass Card within your first 3 months.
On top of that, you can earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
You can also earn Hilton Honors Diamond status through the end of the next calendar year once you spend $40,000 on eligible purchases on your Card in a calendar year.
Take advantage of earning 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio, 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, & U.S. gas stations, and 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
This card does carry a $95 annual fee. (See Rates & Fees)
The IHG® Rewards Club Premier Credit Card is the best overall card for IHG hotels with 140k welcome bonus points – worth $700 in value – and 25x points on IHG spending. You’ll also get automatic IHG Platinum Elite status, one free night each card membership anniversary and your fourth reward night free.
The IHG® Rewards Club Premier Credit Card offers 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening.
You'll earn up to 25 points total per $1 spent when you stay at an IHG hotel. Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases.
This card offers several perks that you'll sure enjoy like: a free night after each account anniversary (you'll also receive a free night when you redeem points for any stay of 4 or more nights.) And as long as you're a cardmember, you'll have Platinum Elite status.
You'll get Global Entry or TSA Pre?® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card.
There is an annual fee of $89.
|My favorite bank transfer hub is the American Express® High Yield Savings Account:
• Earn 0.50% APY on your deposits. Your High Yield Savings account earns interest daily and is posted to your account monthly.
• Links easily with your current bank accounts. No need to switch banks.
• FDIC Insured. Your account is insured to at least $250,000 per depositor.
• No monthly fees, no minimum balance.
• 24/7 Account Access
Make sure that you know the difference between co-branded and general travel rewards credit cards when looking for one that best fits your needs! Usually, co-branded credit cards offer extra benefits when used in specific hotel chains, whereas general travel rewards credit cards offer consistent rewards across all applicable hotels!
Consider applying for a co-branded credit card if you regularly frequent one hotel chain over others, or if a certain chain is significantly more popular in the areas where you travel! However if you don’t stick to a single hotel chain, consider a card that earns transferable points, like the Amex Green Card or Chase Sapphire Preferred Card.
For more credit cards, see our latest list of the best credit card bonuses!
|Chase Business Complete BankingSM||$300 Cash||Review|
|Chase Total Checking®||$200 Cash||Review|
|HSBC Premier Checking Member FDIC||$450 Cash||Review|
|HSBC Premier Checking Member FDIC||Up To $600||Review|
|HSBC Advance Checking Member FDIC||$200 Cash||Review|
|HSBC Advance Checking Member FDIC||Up To $240||Review|
|Huntington 25 Checking||$300 Cash||Review|
|TD Bank Beyond Checking||$300 Cash||Review|
|TD Bank Convenience CheckingSM||$150 Cash||Review|
|Huntington Bank Unlimited Plus Business Checking||$750 Cash||Review|
|Huntington Bank Unlimited Business Checking||$400 Cash||Review|
|Huntington Bank Business Checking 100||$200 Cash||Review|
|Axos Bank Basic Business Checking||$100 Cash||Review|
|Aspiration Spend & Save Account||$100 Cash||Review|
|Ally Invest||Up to $3,500 Cash||Review|
|BlockFi||Up To $250 BTC||Review|
|American Express High Yield Savings||0.50% APY||Review|
|Discover Cashback Debit Account||$360 Cash||Review|