BEST OF

Best Hotel Credit Cards of July 2022

Jun 23, 2022

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A co-branded hotel credit card — that is, a card that bears the name of a hotel company — often entitles you to great perks and bonus rewards at that company's hotels. Some even offer a free anniversary night. But to redeem your rewards, you're often limited to those same hotels. A general travel credit card, on the other hand, earns flexible rewards that you can use at any hotel — but doesn't give you the perks of a co-branded card.

NerdWallet's Best Hotel Credit Cards of July 2022

Best Hotel Credit Cards From Our Partners

Our pick for

Easy redemption

Apply now

on Capital One's website

Capital One Venture Rewards Credit Card

4.7

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$95

Rewards rate

2x-5x

Miles

Intro offer

75,000

Miles

Recommended Credit Score

For easy earning and redemption, the Capital One Venture Rewards Credit Card is tough to beat, whether you want to redeem miles for hotel stays, flights, cab rides or cruises.

Pros

  • You're not restricted to any particular hotel chain. Book your own travel, then pay for it with rewards. You can also transfer points to over 12 travel loyalty programs. The card offers 2 miles per $1 spent on all purchases. Redeem miles for credit against most travel expenses at 1 cent per mile. Also, get reimbursed for a Global Entry or TSA Precheck application fee every four years.

Cons

  • You'll get no hotel-specific perks, such as room upgrades or late checkout. So, if you’re loyal to one particular hotel company, it might be worth comparing this card with the hotel-branded card. And point values don't budge. You can't get more than 1 cent worth of value per mile.

Read full review
  • 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

  • Earn unlimited 2X miles on every purchase, every day

  • Miles won't expire for the life of the account and there's no limit to how many you can earn

  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network

  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options

  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel

  • Transfer your miles to your choice of 15+ travel loyalty programs

Our pick for

Point transfers to hotel programs

Apply now

on Chase's website

Chase Sapphire Preferred® Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-5x

Points

Intro offer

60,000

Points

Recommended Credit Score

If you stay mostly at one company's hotel brands, a co-branded card might provide specific benefits that the Chase Sapphire Preferred® Card does not. But if you want flexibility in earning and transferring points for outsized value when redeeming, this is a top pick.

Pros

  • Flexible rewards and high-value redemption options are the main attractions. Earn 5 points per $1 spent on all travel purchased through Chase Ultimate Rewards®; 3 points per $1 spent on dining (including eligible delivery services and takeout), select streaming services, and online grocery purchases (not including Target, Walmart and wholesale clubs); 2 points per $1 spent on travel not purchased through Chase Ultimate Rewards®; and 1 point per $1 spent on other purchases. Points are worth 1.25 cents apiece when used to book travel through Chase Ultimate Rewards®, or you can transfer them at a 1:1 rate to several other loyalty programs, including hotel programs with Marriott, Hyatt and IHG.

Cons

  • As a general travel card, it lacks the special perks — such as free anniversary nights and room upgrades — that hotel-specific co-branded cards might offer.

Read full review
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 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

  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

  • See if you qualify for a better offer with Chase:

    Get Pre-Qualified

Our pick for

Marriott

Apply now

on Chase's website

Marriott Bonvoy Boundless® Credit Card

4.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Rewards rate

2x-17x

Points

Intro offer

250,000

Points

Recommended Credit Score

The Marriott Bonvoy Boundless® Credit Card is a worthwhile card whose benefits — especially a free night every year — can easily make up for its annual fee. Not only does Marriott have a wide selection of locations, both economy and upscale, but the card doesn't limit you to using points only for hotel stays.

Pros

  • A typical downside of a hotel-branded card is a lack of places to earn and redeem points, but Marriott is huge, with 7,000 properties across 30 hotel brands spanning 129 countries and territories. A free night's stay annually and automatic Silver Elite status every year just for having the card are valuable, along with a points bonus during stays, late checkout and other perks. Another plus: Points are transferable to several airline partners. 

Cons

  • Rewards aren't as flexible for redeeming as general travel cards, making this card specific to fans of Marriott.

Read full review
  • For a Limited Time Only! Earn 5 Free Nights (each night valued up to 50,000 points) after qualifying purchases.

  • Our Best Free Night Offer!

  • New Benefit! Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.

  • New Benefit! Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.

  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.

  • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.

  • 2X Bonvoy points for every $1 spent on all other purchases.

  • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.

Our pick for

Hilton

Apply now

on American Express' website

Hilton Honors American Express Surpass® Card

5.0

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$95

Rewards rate

3x-12x

Points

Intro offer

130,000

Points

Recommended Credit Score

If you're loyal to hotels under the Hilton umbrella, the Hilton Honors American Express Surpass® Card can more than pay for itself despite relatively low rewards-point values. You’ll be able to hold on to your automatic Gold status as long as you’re a cardholder, making it easier to rack up rewards and earn free stays.

Pros

  • From Hilton and Waldorf-Astoria to Embassy Suites and Hampton Inn, the chain has 5,500 hotels in 109 countries and territories, making it easy to earn and redeem points. Earn extra points for purchases at U.S. restaurants, U.S. supermarkets and U.S. gas stations. Plus, you'll get automatic Hilton Honors Gold status, which can snag you a complimentary stay every fifth night at a Hilton portfolio hotel, continental breakfast, and a slew of other benefits. Terms apply.

Cons

  • The card gives you a lot of points, but they have below-average value when you spend them, according to NerdWallet valuations. You can redeem points for airline rewards, but at unfavorable rates.

Read full review
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership.

  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.

  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.

  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.

  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.

  • $95 annual fee.

  • Terms Apply.

  • View Rates & Fees

Our pick for

Holiday Inn/IHG

Apply now

on Chase's website

IHG® Rewards Premier Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$99

Rewards rate

1x-26x

Points

Intro offer

140,000

Points

Recommended Credit Score

If you stay at the brands of InterContinental Hotel Group, the IHG® Rewards Premier Credit Card can be well worth its annual fee for the free anniversary night alone, and you’ll enjoy Platinum Elite status as long as you have the card.

Pros

  • A free night after each account anniversary and a free reward night when you redeem points for a stay of 4 or more nights are huge benefits, as is Platinum Elite status, which promises exclusive room rates, room upgrades, free Internet and check-in/check-out privileges, among other perks. It also will issue a credit for a Global Entry or TSA Precheck application fee every four years when paying with the card.

Cons

  • Like all co-branded hotel credit cards, its rewards are not as flexible for getting free travel as a general travel card.

Read full review
  • Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months from 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 3 or more nights

  • Earn up to 26 points total per $1 spent when you stay at an IHG hotel

  • Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases

  • Platinum Elite status as long as you remain a Premier card member

  • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card

  • IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Our pick for

Hotels.com

Apply now

on Wells Fargo's website

Hotels.com® Rewards Visa® Credit Card

2.8

NerdWallet rating 
Apply now

on Wells Fargo's website

Annual fee

$0

Rewards rate

1 Stamp per $500

Intro offer

$250

Recommended Credit Score

The Hotels.com® Rewards Visa® Credit Card can be confusing and has no free anniversary night. But it offers decent rewards for your spending, coupled with an annual fee of $0.

Pros

  • The card offers a decent rewards rate on spending. It could be good for those who don’t want to be tied to a single hotel chain and are already immersed in the Hotels.com loyalty program.

Cons

  • The rewards system might seem baffling and too much effort for many people, and it lacks bonus categories to earn rewards quicker. Look elsewhere if you want a free night every year just for holding the card, which also lacks transfer partners to use rewards with.

Read full review
  • Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. *Excludes taxes and fees. If a night costs less than $125, you won't get the difference.

  • Collect 1 stamp each time you spend $500 on purchases with your card and collect 1 stamp for every night you stay at any eligible property booked on Hotels.com. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.

  • Choose from over 500,000 properties in 200+ countries around the world.

  • $0 Annual Fee.

  • Enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi, and more at selected properties for as long as your card is open.

  • Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).

  • No foreign currency conversion fee.

  • Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when your passenger fare is booked with your card.

  • View Rates & Fees

Our pick for

Hyatt

Apply now

on Chase's website

World of Hyatt Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-9x

Points

Intro offer

30,000

Points

Recommended Credit Score

If you prefer to stay at Hyatt-brand hotels, World of Hyatt Credit Card can be worth its annual fee for the free anniversary night alone. You’ll enjoy high point values, Discoverist elite status as long as you have the card, and useful everyday bonus spending categories.

Pros

  • Hyatt has the highest point values among major hotel loyalty programs, according to NerdWallet valuations. That's important when you can rack up double points on such spending as gym memberships, dining at restaurants, local transit and commuting and airline tickets purchased through airlines. You'll get a free anniversary night at a Category 1-4 Hyatt hotel or resort, automatic Discoverist status and five qualifying night credits toward the next status tier every year. Discoverist status includes such perks as room upgrades and late checkout.

Cons

  • Hyatt is a smaller player among major hotel groups, which limits places to earn and redeem points.

Read full review
  • 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

  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.

  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort.

  • 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 you can earn as a World of Hyatt member

  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Our pick for

Hotel card for small business

Small-business credit cards aren't just for people with storefronts or offices. If you're a freelancer, have a "side hustle" or do gig work, you may a good candidate for a small-business credit card, too. Having a dedicated card for your money-making enterprise helps you keep business and personal finances separate.

Apply now

on American Express' website

The Hilton Honors American Express Business Card

5.0

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$95

Rewards rate

3x-12x

Points

Intro offer

130,000

Points

Recommended Credit Score

Offering rich ongoing rewards and automatic elite status, the The Hilton Honors American Express Business Card is a terrific choice for business operators who spend dozens of nights a year in hotels.

Pros

  • This card earns 12X points on purchases made directly with Hilton, 6X points on an array of popular business categories, and 3X points on other purchases. There's a big bonus offer, complimentary Gold status, and 10 complimentary visits to Priority Pass airport lounges each year. Enrollment is required. Terms apply.

Cons

  • Unlike many hotel cards at its price level, it doesn't give you an automatic free night every year (although you can earn free nights if you hit spending thresholds). Hilton points have a relatively low per-point value, so the 12X and 6X bonus rewards rates aren't quite as eye-popping as they seem.

Read full review
  • Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership.  Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. Offer expires 7/6/2022.

  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases.

  • Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.

  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.

  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.

  • Terms apply.

  • View Rates & Fees

FULL LIST OF EDITORIAL PICKS: BEST HOTEL CREDIT CARDS

Click the card name to read our review. Before applying, confirm details on the issuer’s website.

Our pick for: Marriott

The Marriott Bonvoy Boundless® Credit Card is a worthwhile card whose benefits — especially a free night every year — can easily make up for its annual fee. Not only does Marriott have a wide selection of locations, both economy and upscale, but the card doesn't limit you to using points only for hotel stays. Read our review.

Our pick for: Easy redemption

The Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising. You earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus and other worthwhile perks. Read our review.

Our pick for: Point transfers to hotel programs

For a reasonable annual fee, the Chase Sapphire Preferred® Card earns bonus rewards (up to 5X) on travel, dining, select streaming services, and select online grocery purchases. Points are worth 25% more when you redeem them for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. The sign-up bonus is stellar, too. Read our review. 

Our pick for: Hilton

If you're loyal to hotels under the Hilton umbrella, the Hilton Honors American Express Surpass® Card can more than pay for itself despite relatively low rewards-point values. You’ll be able to hold on to your automatic Gold status as long as you’re a cardholder, making it easier to rack up rewards and earn free stays. Read our review.

Our pick for: Holiday Inn/IHG 

If you stay at the brands of InterContinental Hotel Group, the IHG® Rewards Premier Credit Card can be well worth its annual fee for the free anniversary night alone, and you’ll enjoy Platinum Elite status as long as you have the card. Read our review.

Our pick for: Hyatt 

Hyatt isn't as big as its competitors, but World of Hyatt Credit Card is worth a look for anyone who spends a lot of time on the road. You can earn a lot of points even on non-Hyatt spending, and those points have a high value compared with rival programs. There's a great sign-up bonus, free nights, automatic elite status and more. Read our review.

Our pick for: Best Western

If you’re a fan of Best Western-owned hotel properties, the Best Western Rewards® Premium Mastercard® offers solid rewards. But while you will get elite status, you won’t be getting the free anniversary nights that cards with annual fees usually offer. Read our review.

Our pick for: Wyndham

The Wyndham Rewards® Earner℠ Plus Credit Card offers plenty of value for Wyndham loyalists, not to mention rich rewards on dining and grocery store purchases. You'll also get automatic Platinum status, plus anniverary points that could net you a free night every year. Read our review.

Our pick for: Radisson 

Rewards points on the Radisson Rewards Premier Visa Signature® Card might be less valuable than those from other major hotel chains, but frequent guests at Radisson hotels won’t have trouble stockpiling a bunch of them, especially with a generous annual points bonus. For Radisson loyalists, it’s the card to have. Read our review.

Our pick for: Premium hotel card

The Hilton Honors American Express Aspire Card comes with a steep annual fee, but its rich rewards (especially on travel and dining) and generous perks make it near-must for hardcore Hilton loyalists. Enjoy airline and resort credits, airport lounge access, automatic elite status, free weekend night awards and much more. Read our review.

Our pick for: Hotels.com

The $0-annual-fee Hotels.com® Rewards Visa® Credit Card has a baffling rewards system and doesn't offer a free anniversary night. But you'll get a relatively decent rewards rate, and you won't be tied to a single hotel chain. Read our review.

Our pick for: Hotel card for small business 

The The Hilton Honors American Express Business Card is an outstanding small-business hotel credit card — though a little unusual. It comes with rich ongoing rewards and automatic elite status with Hilton. But in lieu of an automatic free night every year, a common perk on hotel cards with annual fees, this card gets you 10 free visits to select airport lounges each year. Read our review. 

How much is a hotel point worth?

By Sam Kemmis, NerdWallet travel rewards expert

Hotel credit cards earn loyalty program points every time you use the card, but the value of these points depends both on the hotel chain that issued them and how you redeem them.

To better understand what points are worth, NerdWallet researched the cash prices and reward-redemption values for hundreds of hotels rooms. See our valuations page for our findings.

Our valuations are different from many others you may find. That’s because we looked at the average value of a point based on reasonable price searches that anyone can perform, not a maximized value that only travel rewards experts can expect to reach.

Use these values as a baseline for your own redemptions. If you can redeem your points for the values listed on our valuations page, you are doing well. Of course, if you are able to get higher value, that’s even better.

To view rates and fees of the Hilton Honors American Express Surpass® Card, see this page. All information about the Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Hilton Honors American Express Aspire Card is no longer available through NerdWallet.

Last updated on June 23, 2022

Methodology

NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.