Hotel business credit cards come with serious perks, like free stays, elite status, room upgrades and massive sign-up bonuses. If your work requires frequent out-of-town trips, a hotel card can be a great complement to your main business credit card.
Hotel cards are tied to a specific chain, like Hilton, Marriott or Wyndham. You earn the most when you spend at its properties — as much as double-digit points for each dollar with some options — and rewards carry the most weight when redeemed for nights with that brand. That means the right hotel business credit card for you depends almost entirely on where you like to stay.
Don’t want to be tied to a specific hotel brand? Consider a general business travel card with rewards that can be redeemed on a wide variety of travel expenses.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Hotel business credit cards come with serious perks, like free stays, elite status, room upgrades and massive sign-up bonuses. If your work requires frequent out-of-town trips, a hotel card can be a great complement to your main business credit card.
Hotel cards are tied to a specific chain, like Hilton, Marriott or Wyndham. You earn the most when you spend at its properties — as much as double-digit points for each dollar with some options — and rewards carry the most weight when redeemed for nights with that brand. That means the right hotel business credit card for you depends almost entirely on where you like to stay.
Don’t want to be tied to a specific hotel brand? Consider a general business travel card with rewards that can be redeemed on a wide variety of travel expenses.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
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Here are the best hotel business credit cards
Here are the best hotel business credit cards
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Annual fee
$195
Rewards rate
3x-12x
Points
Intro offer
130,000
Points
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Annual Hilton travel credit
Cons
- High annual fee
- No free anniversary night
- Rewards have limited flexibility
The Hilton Honors American Express Business Card
Best for Welcome bonus
Annual fee
$195
Rewards rate
3x-12x
Points
Intro offer
130,000
Points
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Annual Hilton travel credit
Cons
- High annual fee
- No free anniversary night
- Rewards have limited flexibility
Annual fee
$199
Rewards rate
1x-9x
Points
Intro offer
60,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- High rewards rate
- Automatic elite status
- Points have a high redemption value
- Annual Hyatt travel credit
Cons
- No free anniversary night
- Rewards have limited flexibility
World of Hyatt Business Credit Card
Best for Elite status
Annual fee
$199
Rewards rate
1x-9x
Points
Intro offer
60,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- High rewards rate
- Automatic elite status
- Points have a high redemption value
- Annual Hyatt travel credit
Cons
- No free anniversary night
- Rewards have limited flexibility
Annual fee
$125
Rewards rate
2x-6x
Points
Intro offer
3 Free Night Awards
Points
Apply now
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
Marriott Bonvoy Business® American Express® Card
Best for Overall hotel business card
Annual fee
$125
Rewards rate
2x-6x
Points
Intro offer
3 Free Night Awards
Points
Apply now
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
Annual fee
$99
Rewards rate
3x-26x
Points
Intro offer
Up to 200,000 Points
Points
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Free night reward on cardholder anniversary
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
Cons
- Has annual fee
- Rewards have limited flexibility
- Low point redemption value
IHG One Rewards Premier Business Credit Card
Best for Bonus category rewards
Annual fee
$99
Rewards rate
3x-26x
Points
Intro offer
Up to 200,000 Points
Points
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- New cardholder bonus offer
- Free night reward on cardholder anniversary
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
Cons
- Has annual fee
- Rewards have limited flexibility
- Low point redemption value
NerdWallet's editorial picks: Best hotel business credit cards
Marriott Bonvoy Business® American Express® Card
Our pick for: Overall hotel business card
NerdWallet rating:
5
The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic Free Night Award every year. Add in the included elite status, generous rewards, a dandy welcome offer and more, and it's hard to go wrong. Terms apply. Learn more and apply.World of Hyatt Business Credit Card
Our pick for: Elite status
NerdWallet rating:
4.5
Hyatt isn't as big as its competitors, but the
World of Hyatt Business Credit Card
is worth a look for business owners who spend a lot of time on the road. You can earn a lot of points on Hyatt spending, and those points have a high value compared with rival programs, plus you'll earn bonus points on your top three non-Hyatt spending categories each quarter. There's also a sign-up bonus, automatic elite status and more. Learn more and apply.IHG® One Rewards Premier Business Credit Card
Our pick for: Bonus category rewards
NerdWallet rating:
4.3
The
IHG One Rewards Premier Business Credit Card
is a must-have if you frequent hotels under the InterContinental Hotel Group umbrella (Holiday Inn, Crowne Plaza, Kimpton and Intercontinental, to name a few). This card has a killer welcome bonus, a free anniversary night, automatic elite status and a slew of other travel-friendly perks. Learn more and apply.The Hilton Honors American Express Business Card
Our pick for: Welcome bonus
NerdWallet rating:
5
The Hilton Honors American Express Business Card
is an outstanding small-business hotel credit card — if you frequent Hilton properties. The card features rich ongoing rewards, automatic elite status with Hilton and an annual statement credit for purchases at Hilton properties. But there's no free night award (a standard perk of hotel cards with annual fees) and AmEx scrapped the card's complimentary Priority Pass perk. Terms apply. Learn more and apply.Wyndham Rewards® Earner℠ Business Credit Card
Our pick for: Low-fee hotel business card
NerdWallet rating:
4.8
The
Wyndham Rewards® Earner℠ Business Credit Card
doesn't quite stack up versus our other picks in terms of welcome offer or ongoing rewards. However, it does charge a lower fee ($95
) than the other business hotel cards on this list and comes with automatic Wyndham Rewards Diamond status (which includes perks like suite upgrades and late checkout). Considering Wyndham's wide selection of hotels — more than 9,000 across its portfolio — this card still provides solid utility. Learn more. Hotel business cards vs. business travel cards
Hotel business cards offer some eye-popping rewards rates — as much as 10 to 12 points per dollar — with added points for holding elite status with the brand (another perk included with hotel cards). But the biggest rewards, and best value for redemption, are within that specific hotel brand’s network of properties.
A general business travel card, on the other hand, typically earns bonus points on all travel, as well as restaurants, gas and other business expenses. You won’t earn 10x points, but you will have the flexibility to redeem your points on any travel expense — flights, rental cars, hotels, etc. — and can often transfer points to airline and hotel partners.
Which should you choose? If you have the freedom to pick and choose which hotel you stay at on business travel, a branded hotel business card can pay off in a big way. But if you want or need more flexibility, a business travel card is often the best choice.
Alternatively, you can also carry both a hotel card and a travel card in your business wallet. Use your branded card for hotel stays and your general travel card for all other expenses to maximize your rewards and redemption options.
🤓 Nerdy Tip
Compare business hotel cards to personal hotel credit cards. You may find a lower annual fee or a higher sign-up bonus. Consumer cards will lack business features like free employee cards, though, and have bonus categories aligned with personal spending rather than business spending.To view rates and fees of the
Marriott Bonvoy Business® American Express® Card
, see this page.To view rates and fees of
The Hilton Honors American Express Business Card
, see this page.Last updated on April 30, 2025
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more how NerdWallet rates credit cards.