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NerdWallet’s Best Hotel Credit Cards, Fall 2014

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If you’re searching for the best hotel credit cards, look no further. We’ve chosen a handful of our favorites that offer high rewards, free lodging and extra perks for loyal cardholders. Hotel-branded cards, unlike most airline cards or retail cards, can actually be worth your while. Frequent guests will discover benefits that both curb costs and add another dimension of luxury to the hotel experience.

As you read through our list, keep in mind these cards only make sense if you are truly a frequent hotel patron. One week out of the year doesn’t quite cut it. Most travelers will do better to check out our current list of the best travel cards to view more universally applicable options. Without further ado, here are NerdWallet’s picks for the best hotel credit cards.

Citi® Hilton HHonorsTM Reserve Card

Want an easy bonus of a two-night stay worth hundreds of dollars? Want that bonus to come with EMV technology, an anniversary award night and free elite status? Of course you do – and the Citi® Hilton HHonorsTM Reserve Card is just the card to do it. The sign-up bonus is currently very generous: Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening*. The card also comes with an EMV chip and no foreign transaction fees; an anniversary bonus of one weekend night every year when you spend $10,000 or more in eligible purchases each cardmembership year; and complimentary Gold status for the life of the card. No matter how you look at it, there’s a lot to love about the Reserve. And the ongoing rewards rate is not too shabby either: 10 points per $1 at Hilton hotels, 5 per $1 on airlines and car rentals and 3 per $1 elsewhere. Even if you value HHonors points at 0.5 cents apiece (which we do), that’s a 5% rewards rate at the Hilton, 2.5% on airlines and car rentals and 1.5% elsewhere. There is a $$95* annual fee, but given the anniversary bonus, there’s every reason to get the card.

Citi® Hilton HHonorsTM Reserve Card
Citibank Hilton HHonors Reserve Credit Card
Apply Now

on Citibank's
secure website

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  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after you make $2,500 in purchases within 4 months of account opening*
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio*
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
  • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
  • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
  • No foreign transaction fees on purchases*
  • Travel with ease and enjoy global acceptance with your Citi chip credit card
thumbsupPros
  • High rewards rate
  • No foreign transaction fee
thumbsdownCons
  • Has annual fee
  • Needs excellent credit
Annual Fee Signup Bonus APR , Variable* APR Promotions
$95* Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after you make $2,500 in purchases within 4 months of account opening* 15.24%* (Variable) Purchase: None
Transfer: None

Marriott Rewards® Premier Credit Card

Want a gargantuan signup bonus? The Marriott Rewards® Premier Credit Card awards new cardholders a stellar sign-up bonus: Earn 50,000 Points after spending $1,000 on purchases in your first 3 months from account opening. Ongoing rewards also offer a great deal: You earn 5 points per $1 at Marriott locations, 2 per $1 at restaurants, airlines and car rental agencies and 1 per $1 everywhere else. Points are redeemable at all Marriott properties, which include Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites. Keep in mind that redemption values for Marriott Points aren’t that great – while you do get the fifth night free when you redeem for 4 award nights, based on the nightly rate-vs-points required value, we think that Marriott Points are worth about 0.8 cents each. This does diminish slightly the luster of the card. The Marriott Rewards Premier does not charge a foreign transaction fee, saving you 3% on every out-of-country purchase. The annual fee is $$0 Intro Annual Fee for the first year, then $85, waived the first year. If that seems steep, think of it this way: The signup up bonus basically pays for almost five years’ worth of annual fees.

Marriott Rewards® Premier Credit Card
Chase Marriott Rewards Premier Credit Card
Apply Now

on Chase's
secure website

starstarstarstar
  • Earn 50,000 Points after spending $1,000 in your first 3 months from account opening
  • Receive 1 Free Night Stay after account approval in Category 1-4 locations, that's up to 7 Free Nights
  • Receive 1 additional free night stay at a Category 1-5 location every year after your account anniversary date!
  • Introductory Annual Fee of $0 the first year, thereafter $85
  • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point elsewhere
  • Achieve Elite Status faster with Annual Credit & Everyday Purchases — 15 Elite Credits after account approval and every year after your account anniversary
  • Unlimited Point Accumulation
  • No Foreign Transaction Fees and global Chip and Signature technology
thumbsupPros
  • No foreign transaction fee
thumbsdownCons
  • Has annual fee
  • Needs excellent credit
Annual Fee Signup Bonus APR , Variable* APR Promotions
$0 Intro Annual Fee for the first year, then $85 Earn 50,000 Points after spending $1,000 on purchases in your first 3 months from account opening. 15.99% (Variable) Purchase: None
Transfer: None

Starwood Preferred Guest® Credit Card from American Express

—Aw, nerds! Looks like this offer’s temporarily unavailable.

One of our favorite hotel credit cards, the Starwood American Express, packs a powerful punch. At first glance, the rewards program is fairly unassuming. You get 5 points per dollar spent at SPG locations and 1 point per dollar spent everywhere else. So what’s the big deal? Well, while most rewards programs pay in points worth a penny apiece, we value Starpoints at an average of 2.3 cents each when redeemed for hotel stays.  That means the base rewards rate is around 2.3%–much, much higher than the industry standard. The signup bonus is currently great: Earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership.. There are a number of other perks as well, including credit for elite status upgrades and airfare redemption. The annual fee is $$0 introductory annual fee for the first year, then $65, waived the first year.

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  • priyankapandey

    this blog is really good and informative for readers

  • Denia Mance

    you have to add Citi Hilton Honors: “EARN AN ANNIVERSARY BONUS OF ONE WEEKEND NIGHTcertificate good for one weekend night (standard room, double occupancy), at select hotels and resorts within the Hilton HHonors portfolio when you spend $10,000 or more on eligible purchases each cardmembership year.”

  • Denia Mance

    I have Marriott Premier Card and IHG, I think these 2 are the best hotel cards…

    • notimeforit

      Marriott is owned by the Mormon church. Enough said.

  • MichaelRC

    Might also wanna check out the rewards calculator at CredítCardTuneUp. com to see how much in hotel rewards (dollar value) you’d earn for your expenses with various cards.

    Calculates the best card combos for you too.

  • notimeforit

    You didn’t even mention the Chase Hyatt card which gives you two free nights just for signing up and an additional night after the first year.