Best hotel credit cards of 2024

Enjoy valuable perks and earn rewards from your travel and accommodations. Get matched to credit cards from our partners based on your unique credit profile.

Get hotel-specific perks

Enjoy flexible check-ins, complimentary breakfast, room upgrades and more.

Earn a welcome bonus

Meet the intro spending requirement and you could get a big reward.

Protect your trip

Get trip cancellation coverage, rental car insurance and other travel protection.

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Capital One VentureOne Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1.25x-5x (Miles per dollar)

Annual Fee:

$0

Annual percentage rate (APR)

The APR on credit cards is simply the interest rate the card issuer charges when you don't pay off your balance in full each month—it doesn't include the card's annual fees or other fees you may be charged for using your card. There are several types of APR that can apply to credit cards including purchase, balance transfer and cash advance.

Intro bonus

A credit card intro bonus, also called a welcome bonus, is a benefit that credit card issuers offer new cardholders when they're approved for the new card. While some intro bonuses offer automatic rewards upon approval, most require you to spend a certain amount on eligible purchases in a given timeframe to qualify. Look for cards with a high intro bonus and a low spending requirement.

Rewards

Hotel rewards credit cards reward you with points redeemable for free nights in certain hotels, or for other travel costs. Look for a hotel rewards credit card that offers the most points for the spending you already do.

Annual fee

Some credit cards have an annual fee which you'll pay when you first receive the card and at each cardholder anniversary. Take the cost of an annual fee into account when considering which options will benefit you the most over the course of a year.

Capital One Quicksilver Cash Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1.5%-5% (cash back)

Annual Fee:

$0

Citi Custom Cash® Card

Intro APR:

0% for 15 months on Purchases and Balance Transfers

Ongoing APR:

19.24% - 29.24% (Variable)

Rewards:

1%-5% (cash back)

Annual Fee:

$0

Capital One SavorOne Cash Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1%-8% (cash back)

Annual Fee:

$0

Marriott Bonvoy Bevy™ American Express® Card logo.

Marriott Bonvoy Bevy™ American Express® Card

Intro bonus:

Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.

Rewards:

2x-6x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$250

Wells Fargo Autograph Journey℠ Card logo.

Wells Fargo Autograph Journey℠ Card

Intro bonus:

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Rewards:

1x-5x (Points per dollar)

Ongoing APR:

21.24%, 26.24%, or 29.99% Variable APR

Annual Fee:

$95

Credit One Bank® NASCAR® American Express® Credit Card for Rebuilding Credit

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.74% Variable

Annual Fee:

$75 First year. $99 thereafter, billed monthly at $8.25

Capital One Venture Rewards Credit Card

Intro bonus:

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

Rewards:

2x-5x (Miles per dollar)

Ongoing APR:

19.99% - 29.99% (Variable)

Annual Fee:

$95

Capital One Venture X Rewards Credit Card

Intro bonus:

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Rewards:

2x-10x (Miles per dollar)

Ongoing APR:

19.99% - 29.99% (Variable)

Annual Fee:

$395

Hilton Honors American Express Card

Intro bonus:

Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Rewards:

3x-7x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$0

Citi Strata Premier℠ Card

Intro bonus:

Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

Rewards:

1x-10x (Points per dollar)

Ongoing APR:

21.24% - 29.24% (Variable)

Annual Fee:

$95

Wells Fargo Autograph℠ Card

Intro bonus:

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

Rewards:

1x-3x (Points per dollar)

Ongoing APR:

20.24%, 25.24%, or 29.99% Variable APR

Annual Fee:

$0

Citi Rewards+® Card

Intro APR:

0% for 15 months on Purchases and Balance Transfers

Ongoing APR:

18.74% - 28.74% (Variable)

Rewards:

1x-2x (Points per dollar)

Annual Fee:

$0

Hilton Honors American Express Surpass® Card

Intro bonus:

Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Rewards:

3x-12x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$150

Credit One Bank Wander® Card

Intro bonus:

N/A

Rewards:

1x-10x (Points per dollar)

Ongoing APR:

29.74% Variable

Annual Fee:

$95

Marriott Bonvoy Brilliant® American Express® Card

Intro bonus:

Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Rewards:

2x-6x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$650

Capital One VentureOne Rewards for Good Credit

Intro bonus:

N/A

Rewards:

1.25x-5x (Miles per dollar)

Ongoing APR:

29.99% (Variable)

Annual Fee:

$0

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

ΘCredit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

How to find the best hotel credit card

1

Know your FICO® Score

Hotel cards often require good to excellent credit—at least 670.

2

Consider hotel loyalty

If you often stay at one hotel, you may want to get their card.

3

Choose your benefits

Find a card that offers the perks you’ll use the most.

Start with your FICO® ScoreΘ and see card offers matched to your credit profile.

Get started for free

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

Frequently asked questions

Hotel rewards are benefits that you get for booking through a hotel's loyalty program. They can include cash back or points that you can redeem for free nights in the hotel and other perks. Hotel rewards programs also offer benefits like complimentary breakfast, access to exclusive hotel or resort lounges, upgraded rooms and more. You can think of hotel rewards as a type of currency that you can use to pay for goods and services at the hotel chain.

Hotel credit cards come in two different forms.

  • Co-branded hotel credit cards are credit cards offered by a specific hotel, such as Hilton or Marriott. These cards are designed to offer exclusive perks through the hotel's loyalty program, and can reward you with free nights, lounge access, complimentary breakfast and the like.
  • General hotel credit cards are rewards credit cards that offer cash back, points and miles that you can redeem for hotel stays and other goods and services at hotels. These are also often called travel rewards cards, because they end to offer high rewards ratios for hotels and airlines, as well as travel insurance and sometimes no foreign transaction fees.

Hotel points can expire, but if and when they expire depends on the specific hotel loyalty program. Points earned with hotel loyalty programs can often expire due to inactivity, so ensuring you're continuing to earn and redeem points can help you avoid their expiration. Check the policies of the specific hotel rewards credit card or loyalty program to ensure you're in the loop on how long you have to redeem your rewards.

How much a hotel point is worth varies between different hotel loyalty programs. Typically, you can think of a hotel point as being worth just under one cent. But, again, this varies: World of Hyatt points, for instance, are worth 1.7 cents apiece on average, while Hilton Honors points give you just 0.6 cents each. So if you have 50,000 points with both programs, they're worth $850 with one and $300 with the other.

Hotel incidentals are charges that you incur while staying at a hotel and that aren't the basic rate you pay for the hotel room itself. Hotel incidental charges can include room service, restaurant tabs, internet access, drinks from the minibar, spa treatments and parking. If you're strategizing the get the most out of your hotel rewards credit card, keep this in mind: You can typically charge your incidentals to your room, rather than paying for them individually. Then, when you check out, you'll earn cash back or points at your credit card's rate for hotel rooms. That can help you get the most out of your spending.

Credit score requirements vary between hotel credit cards. Often, hotel cards will require you to have good or excellent credit to qualify. That means you'll need a FICO® Score of 670 or higher. Before you weigh the benefits of specific hotel credit cards, check your credit report and score through Experian. If your credit score needs improvement, learn about how to build credit before you apply to ensure you get the credit card with the benefits you want.

You may be able to transfer your hotel rewards points to a different program, depending on the policies of the specific hotel loyalty program. That said, you won't typically get the best deal this way. If possible, you'll likely get the highest value out of your points if you redeem them through the program where you earned them. But check the individual hotel's policies to determine how you'll get the best return. Some hotels allow you to transfer your rewards to airline partners at a decent rate.

Whether a hotel rewards credit card is worth it or not comes down to how much value you would personally get out of the card. If you travel frequently for work or pleasure, a hotel credit card could be a strong financial tool for you because you'll get rewarded generously on the spending you're already doing. On the other hand, if you travel less frequently, consider a rewards credit card with a high flat-rate cash back or points structure, or one that has generous rewards in the categories you plan to spend the most in, such as groceries, dining and travel.

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