Best Hotel Business Credit Cards of July 2025

Hotel business credit cards from brands like Hilton, Marriott and Wyndham deliver perks like free stays, elite status and room upgrades. The best choice depends almost entirely on where you like to stay.

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Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Best of awards Nerdwallet's badge 2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

U.S. Bank Triple Cash Rewards Visa® Business Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

U.S. Bank Triple Cash Rewards Visa® Business Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

or get back to the for more options

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Here are the best hotel business credit cards

The Hilton Honors American Express Business Card

Best for Welcome bonus

Annual fee
$195

Rewards rate
3x-12x

Points

Intro offer
Up to 175,000 Points

Points

on American Express' website

The Hilton Honors American Express Business Card

Best for Welcome bonus

Annual fee
$195

Rewards rate
3x-12x

Points

Intro offer
Up to 175,000 Points

Points

on American Express' website

World of Hyatt Business Credit Card

Best for Elite status

Annual fee
$199

Rewards rate
1x-9x

Points

Intro offer
60,000

Points

on Chase's website

World of Hyatt Business Credit Card

Best for Elite status

Annual fee
$199

Rewards rate
1x-9x

Points

Intro offer
60,000

Points

on Chase's website

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

on American Express' website

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

on American Express' website

IHG One Rewards Premier Business Credit Card

Best for Bonus category rewards

Annual fee
$99

Rewards rate
3x-26x

Points

Intro offer
140,000

Points

on Chase's website

IHG One Rewards Premier Business Credit Card

Best for Bonus category rewards

Annual fee
$99

Rewards rate
3x-26x

Points

Intro offer
140,000

Points

on Chase's website

Other picks: Best hotel business credit cards

The following business credit cards are not available through NerdWallet. Before applying, confirm card details on the issuer's website.

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.

Should you get a hotel business credit card?

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.
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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.
Notes from card issuers
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 July 24, 2025

Methodology

NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.