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The best hotel credit cards of April 2021

At a glance

Chase Sapphire Preferred® Card

Annual Fee
$95
Regular APR
15.99%-22.99% Variable
Credit Score
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application. A tooltip
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Good to Excellent
Editor's Rating
Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed. A tooltip
Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed.
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.8 out of 5 Stars

Chase Sapphire Reserve®

Annual Fee
$550
Regular APR
16.99%-23.99% Variable
Credit Score
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application. A tooltip
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Excellent
Editor's Rating
Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed. A tooltip
Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed.
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.65 out of 5 Stars

The Platinum Card® from American Express

Annual Fee
$550
Regular APR
See Pay Over Time APR
Credit Score
Excellent
Editor's Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.75 out of 5 Stars

This article is brought to you by the Personal Finance Insider team. It has not been reviewed, approved, or otherwise endorsed by any of the issuers listed. Some of the offers you see on the page are from our partners like Citi and American Express, but our coverage is always independent. Terms apply to the offers listed on this page.

The best hotel credit cards of 2021:

CategoryBest hotel credit card
Best travel card overall:Chase Sapphire Preferred® Card
Best travel coverage:Chase Sapphire Reserve®
Best card for luxury hotel perks and elite status: The Platinum Card® from American Express
Best for Hilton stays:Hilton Honors American Express Aspire Card
Best for IHG stays:IHG® Rewards Club Premier Credit Card
Best for Hyatt stays: The World Of Hyatt Credit Card
Best for Marriott stays:Marriott Bonvoy Boundless™ Credit Card
Best for Wyndham stays: Wyndham Rewards® Earner Card

When considering a hotel credit card, it's important to factor in your travel goals: Are you looking to stay at a five-star resort in the Maldives? Or do you want to be able to book a cheap staycation once or twice a year without paying an exorbitant annual fee?

It's also important to consider the card's welcome bonus, recurring benefits, ease of earning free nights via credit card spending, category bonuses, and elite status perks (if any). With that in mind, here are the best hotel credit cards.

Best travel card overall: Chase Sapphire Preferred

Annual Fee
$95
Regular APR
15.99%-22.99% Variable
Credit Score
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application. A tooltip
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Good to Excellent
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.8 out of 5 Stars
Editor's Rating
Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed. A tooltip
Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed.
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Annual Fee
$95
Regular APR
15.99%-22.99% Variable
Credit Score
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application. A tooltip
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
Good to Excellent
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.8 out of 5 Stars
Editor's Rating
Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed. A tooltip
Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed.
Featured Reward
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening A tooltip
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
80,000 points
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
  • Pros & Cons
  • Details
  • Pros
    • High sign-up bonus starts you off with lots of points
    • Strong travel coverage
    Cons
    • Doesn't offer a Global Entry/TSA PreCheck application fee credit
    • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
    • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
    • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
    • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
    Read Our Review Read Our Review A looong arrow, pointing right

    If you're loyal to a specific hotel brand, having a co-branded card makes a lot of sense, as it can get you complimentary elite status, bonus points, and other perks when you stay with that chain. (You'll see our top card picks for each hotel brand further down in this guide).

    But if you care less about brand loyalty and more about earning as many points as possible, a general travel rewards credit card like the Chase Sapphire Preferred could make more sense. This card earns Chase Ultimate Rewards points (with 2x points on travel, including hotels), which you can redeem for travel bookings through the Chase Travel Portal or transfer to partners including Hyatt and IHG to book).

    The Chase Sapphire Preferred also offers excellent travel insurance, so it's a good card to use for hotel bookings and airfare.

    Best travel coverage: Sapphire Reserve

    Annual Fee
    $550
    Regular APR
    16.99%-23.99% Variable
    Credit Score
    Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application. A tooltip
    Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
    Excellent
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    4.65 out of 5 Stars
    Editor's Rating
    Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed. A tooltip
    Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed.
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
    Annual Fee
    $550
    Regular APR
    16.99%-23.99% Variable
    Credit Score
    Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application. A tooltip
    Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
    Excellent
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    4.65 out of 5 Stars
    Editor's Rating
    Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed. A tooltip
    Our editor's ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria - relative to other products we've reviewed.
    Featured Reward
    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening A tooltip
    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
    60,000 points
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
  • Pros & Cons
  • Details
  • Pros
    • Annual travel credit can effectively shave $300 off the annual fee if you use it
    • Strong travel insurance
    • Strong bonus rewards on travel and dining
    Cons
    • Very high annual fee
    • The new DoorDash statement credits may not be useful for everyone, which can make the recently increased annual fee harder to justify
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
    • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
    • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
    Read Our Review Read Our Review A looong arrow, pointing right

    The Sapphire Reserve is the higher-end sibling of the Chase Sapphire Preferred, with many of the same benefits except higher earning rates (3x versus 2x points on travel and dining) and even better travel coverage.

    It includes everything from trip cancellation and trip delay insurance to primary car rental insurance. Unlike the Chase Sapphire Preferred, the Sapphire Reserve includes emergency evacuation insurance. In exchange for the $550 annual fee, you get up to a $300 annual travel credit, Priority Pass airport lounge membership, and more.

    Best for luxury hotel perks: The Platinum Card® from American Express

    Annual Fee
    $550
    Regular APR
    See Pay Over Time APR
    Credit Score
    Excellent
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    4.75 out of 5 Stars
    Editor's Rating
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
    Annual Fee
    $550
    Regular APR
    See Pay Over Time APR
    Credit Score
    Excellent
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    4.75 out of 5 Stars
    Editor's Rating
    Featured Reward
    75,000 points after you spend at least $5,000 in your first 6 months of card membership
    Intro APR
    N/A
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
  • Pros & Cons
  • Details
  • Pros
    • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott
    • Annual statement credits with Saks and Uber
    Cons
    • Bonus categories leave something to be desired
    • One of the highest annual fees among premium travel cards
    • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
    • Earn 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.
    • 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.
    • Earn 5X Membership Rewards® 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® Points on prepaid hotels booked with American Express Travel.
    • Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
    • Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties. Learn More.
    • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
    • $550 annual fee.
    • Terms Apply.
    Read Our Review Read Our Review A looong arrow, pointing right

    The Platinum Card® from American Express is a great card for booking hotel stays for several reasons. First, it offers complimentary Gold elite status with both Hilton Honors and Marriott Bonvoy. This can get you room upgrades and bonus points on your paid stays — and Gold status with Hilton even gets you free breakfast.

    Plus, if you have the Platinum Card you can access Amex Fine Hotels & Resorts — a collection of luxury properties booked through Amex that offer benefits like complimentary upgrades, free breakfast, and property credits. The Amex Platinum has a $550 annual fee (See Rates), but it easily can be worth it thanks to benefits like this.

    Best for Hilton stays: Hilton Honors Aspire Card

    Annual Fee
    $450
    Regular APR
    15.74% to 24.74% variable APR on purchases
    Credit Score
    Good to Excellent
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    5 out of 5 Stars
    Editor's Rating
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
    Annual Fee
    $450
    Regular APR
    15.74% to 24.74% variable APR on purchases
    Credit Score
    Good to Excellent
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    5 out of 5 Stars
    Editor's Rating
    Featured Reward
    150,000 points after you spend at least $4,000 in your first 3 months of account opening
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
  • Pros & Cons
  • Details
  • Pros
    • Complimentary top-tier Hilton elite status
    • Get a weekend night reward each year after you renew your card
    • High welcome bonus
    • Valuable annual statement credit for eligible Hilton purchases
    Cons
    • High annual fee
    • The information related to the Hilton Honors American Express Aspire Card has been collected by Business Insider and has not been reviewed or provided by the issuer.
    • Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the card within your first 3 months of card membership
    • 14X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio
    • 7X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card on flights booked directly with airlines or amextravel.com, and on car rentals booked directly from select car rental companies
    • 7X Hilton Honors Bonus Points for each dollar of eligible purchases on your card at U.S. restaurants
    • 3X Hilton Honors Bonus Points for all other eligible purchases on your card
    Read Our Review Read Our Review A looong arrow, pointing right

    The Hilton Honors Aspire Card is hands-down the best co-branded hotel credit cards out there. For starters, with the welcome bonus (150,000 points after you spend at least $4,000 in your first 3 months of account opening), you can book upwards of 30 free nights, depending on the hotel category. The card also comes with top-tier Hilton Diamond status, which gets you free breakfast, lounge access, and a 100% bonus on points earned via paid stays.

    The Hilton Honors Aspire Card also offers a free weekend night reward when you renew your card at your account anniversary, plus an extra free night when you spend $60,000 in a calendar year. Travelers will appreciate up to $250 in annual Hilton resort statement credits, up to $250 in annual airline incidental credits, and Priority Pass Select membership

    If you don't stay at Hilton properties frequently enough to justify this card's $450 annual fee (See Review), the Hilton Honors American Express Surpass® Card, with a $95 annual fee (See Rates), is a better option. It earns 12x points on eligible Hilton purchases (compared to 14x on the Aspire), and like the Aspire it offers a high welcome bonus.

    Best for IHG stays: IHG® Rewards Club Premier Credit Card

    Annual Fee
    $89
    Regular APR
    15.99% - 22.99% Variable
    Credit Score
    Good to Excellent
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    4.8 out of 5 Stars
    Editor's Rating
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
    Annual Fee
    $89
    Regular APR
    15.99% - 22.99% Variable
    Credit Score
    Good to Excellent
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    4.8 out of 5 Stars
    Editor's Rating
    Featured Reward
    125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
  • Pros & Cons
  • Details
  • Pros
    • Anniversary reward night can be worth more than the annual fee
    Cons
    • Could offer better rewards on non-IHG purchases
    • Earn 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening
    • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
    • 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
    • Platinum Elite status as long as you remain a Premier card member
    • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
    • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
    Read Our Review Read Our Review A looong arrow, pointing right

    The IHG® Rewards Club Premier Credit Card is one of the best hotel cards in terms of value.

    In exchange for an annual fee of $89, cardholders get complimentary IHG Platinum elite status, a fourth night free on award bookings of four or more nights, and a Global Entry or TSA PreCheck fee credit of up to $100 every four years. Additionally, cardholders earn a reward night every year, which you can use at any IHG hotel worldwide that costs up to 40,000 points per night.

    Best for Hyatt stays: The World Of Hyatt Credit Card

    Annual Fee
    $95
    Regular APR
    15.99% - 22.99% Variable
    Credit Score
    Good to Excellent
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    4.5 out of 5 Stars
    Editor's Rating
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
    Annual Fee
    $95
    Regular APR
    15.99% - 22.99% Variable
    Credit Score
    Good to Excellent
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    4.5 out of 5 Stars
    Editor's Rating
    Featured Reward
    30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar spent on purchases that normally earn 1 point, up to $15,000 in the first six months of account opening
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
  • Pros & Cons
  • Details
  • Pros
    • Valuable annual reward night
    • Hyatt points are valuable, and this card earns 2x points on several bonus categories
    • If you spend a lot on this card, you can earn a second free night
    Cons
    • Not too many extra benefits
    • The information related to the The World Of Hyatt Credit Card has been collected by Business Insider and has not been reviewed by the issuer.
    • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
    • Receive 1 free night at any Category 1-4 Hyatt hotel or resort after your Cardmember anniversary
    • Receive complimentary World of Hyatt Discoverist status for as long as your account is open
    • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
    • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
    • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
    • Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
    • Earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
    Read Our Review Read Our Review A looong arrow, pointing right

    The World Of Hyatt Credit Card comes with free Discoverist status, which offers benefits like premium internet and 10% bonus points on paid stays. Cardholders aiming for higher status will appreciate the five qualifying night credits issued every year and the ability to earn two additional credits per $5,000 spent on the card.

    Cardholders also receive a free night certificate on their account anniversary every year, valid at Hyatt Category 1 to 4 hotels. You can also earn a second free night after you spend $15,000 or more on purchases in a calendar year.

    Best for Marriott stays: Marriott Bonvoy Boundless™ Credit Card

    Annual Fee
    $95
    Regular APR
    15.99% - 22.99% Variable
    Credit Score
    Good to Excellent
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    4.6 out of 5 Stars
    Editor's Rating
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
    Annual Fee
    $95
    Regular APR
    15.99% - 22.99% Variable
    Credit Score
    Good to Excellent
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    4.6 out of 5 Stars
    Editor's Rating
    Featured Reward
    75,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
  • Pros & Cons
  • Details
  • Pros
    • Annual free night reward for hotels that cost up to 35,000 points can be worth more than annual fee
    Cons
    • The only lucrative bonus category is participating Marriott Bonvoy hotels
    • Upgrading to Gold status requires spending $35,000 on the card in an account year,
    • Earn 75,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
    • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
    • Earn 6X Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
    • 2X Bonvoy points for every $1 spent on all other purchases.
    • Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
    • 15 Elite Night Credits each calendar year.
    • No foreign transaction fees.
    • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster
    Read Our Review Read Our Review A looong arrow, pointing right

    The Marriott Bonvoy Boundless™ Credit Card includes some solid perks for a mid-tier hotel credit card, including a free night each year after your cardmember anniversary at Marriott Bonvoy hotels that cost up to 35,000 points per night.

    Another reason to consider it? It's currently offering one of the best sign-up offers among all Marriott credit cards: 75,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.

    Best for Wyndham stays: Wyndham Rewards® Earner Card

    Annual Fee
    None
    Regular APR
    15.74%, 19.99% or 24.99%
    Credit Score
    N/A
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    4.1 out of 5 Stars
    Editor's Rating
    Annual Fee
    None
    Regular APR
    15.74%, 19.99% or 24.99%
    Credit Score
    N/A
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    4.1 out of 5 Stars
    Editor's Rating
  • Pros & Cons
  • Details
  • Pros
    • No annual fee
    • Intro APR offer
    • Strong points earning on Wyndham stays and gas stations
    • 10% points discount for booking gofree Wyndham award stays
    Cons
    • Relatively low sign-up bonus
    • Unsurprisingly, as a no-annual-fee card, it has a short benefits list
    • You have to spend at least $15,000 on the card in a year to earn the 7,500-point anniversary bonus
    • N/A

    The Wyndham Rewards® Earner Card offers fairly basic benefits, but it earns a solid 5 points per dollar on eligible Wyndham purchases, along with 5 points per dollar at qualifying gas stations. The card has no annual fee, and it offers discounts on both paid and points bookings with Wyndham hotels.

    Frequently asked questions — hotel credit cards

    How did we choose the best hotel credit cards?

    Personal Finance Insider analyzed dozens of hotel cards, looking at benefits, annual fees, rewards, and ancillary benefits to arrive at our final list of the very best options. 

    Many hotel brands offer various "tiers" of credit cards. For example, in addition to the Marriott Bonvoy Boundless™ Credit Card with a $95 annual fee, there's the Marriott Bonvoy Brilliant™ American Express® Card, which has a $450 annual fee (See Rates) and includes an annual statement credit for Marriott stays.

    When more than one personal credit card was available from a top hotel chain, we chose the card that offers the most value to an average guest, not someone who travels every weekend.

    For instance, we chose the Marriott Bonvoy Boundless™ Credit Card as the best credit card for Marriott stays, because it balances a moderate annual fee with a few valuable perks and a great welcome bonus. The Marriott Bonvoy Brilliant™ American Express® Card has more perks to justify its annual fee, but it's harder to recommend to everybody — especially since it only offers complimentary mid-tier Gold status with Marriott.

    On the other hand, we named the Hilton Honors Aspire Card, with a $450 annual fee, the best card for Hilton stays, because it comes with several statement credits that can effectively reduce the fee — and it offers the highest level of Hilton elite status as a complimentary benefit to cardholders. 

    Are hotel credit cards worth it?

    If you have a good credit score and pay your credit card bills off each month, it makes sense to get a rewards credit card that earns you points on your purchases — including hotel stays. 

    How do I find the right hotel credit card for me?

    You'll have to decide whether you stay with a particular hotel chain frequently enough to opt for a co-branded hotel credit card (such as an IHG card). If you want to earn travel points and enjoy some benefits on your hotel stay but you don't stay in hotels very often, you're probably better off with a general travel rewards card, like the Chase Sapphire Preferred or the The Platinum Card® from American Express.

    Sarah Silbert is the senior reviews editor at Personal Finance Insider. She's covered personal finance and credit card rewards for six years, and she's a Certified Educator in Personal Finance (CEPF).

    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

    Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

    For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.

    For rates and fees of The Platinum Card® from American Express, please click here.

    For rates and fees of the Marriott Bonvoy Brilliant™ American Express® Card, please click here.

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    SEE ALSO: The best current credit card offers

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