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NerdWallet’s Best Hotel Credit Cards of 2016

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NerdWallet's Best Hotel Credit Cards

Searching for the best hotel credit card? You’ve come to the right place. We’ve chosen some favorites that offer high rewards, free nights and extra perks for loyal cardholders.

As you read through our picks, keep in mind that some of these cards make sense only if you stay at hotels frequently. One week out of the year doesn’t quite cut it. Here are NerdWallet’s picks for the best hotel credit cards.

Best value

Starwood Preferred Guest® Credit Card from American Express

Apply Now on American Express's secure website

Pros

  • No foreign transaction fee

Cons

  • Has annual fee
  • Needs excellent credit
  • Rewards only valuable if you stay at Starwood properties frequently

Bonus Offer

Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months. Terms Apply

Annual Fee

$0 for the first year, then $95

Intro APR Promotions

N/A

APR

  • APR: 15.49% - 19.49% Variable APR
  • Penalty APR: Up to 29.49%, Variable
  • Cash Advance APR: 25.49%, Variable

Card Details

  • Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • No Foreign Transaction Fees on international purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Get free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Conditions apply.
  • View Rates and Fees

Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months. Terms Apply Earn up to 5 Starpoints per dollar spent at participating SPG locations. No foreign-transaction fees. The annual fee is $0 for the first year, then $95.

Benefits of the Starwood Preferred Guest® Credit Card from American Express:

  • Starpoints are among the most lucrative rewards points in the business, with the Nerds valuing them at 2.3 cents each. By contrast, most hotel rewards programs’ points are valued at less than a penny apiece. See our rewards program reviews for more information.
  • You’ll get great travel perks, including free premium in-room Internet access and complimentary, unlimited Boingo Wi-Fi at more than 1 million hotspots worldwide.
  • If you need some extra airline miles, the SPG program has you covered. You can transfer your Starpoints to more than 30 airline transfer partners. Read our editorial review for the full list.

Drawbacks of the Starwood Preferred Guest® Credit Card from American Express:

  • The SPG program has more than 1,200 properties worldwide, not many compared with other major hotel chains. If you’re looking for a better hotel selection, this card may not be your best choice.
  • The card has an annual fee and doesn’t offer a free night every year to make up for it. If you’re not using the card regularly, it might not be worth it.
  • Marriott is in talks to acquire Starwood Hotels, which may lead to a devaluation of the chain’s loyalty program.

The bottom line:

If you can get past the limited locations and you plan on using the card often, Starpoints’ relatively high value and the program’s airline transfer partners make the Starwood Preferred Guest® Credit Card from American Express not only the best hotel credit card, but one of the best travel credit cards overall. Keep in mind, however, that the Marriott-Starwood merger deal may result in SPG members losing value if the program is absorbed by Marriott Rewards.

Best for a free anniversary night:
Marriott Rewards® Premier Credit Card

Marriott Rewards® Premier Credit Card

Apply Now on Chase's secure website

Pros

  • No foreign transaction fee

Cons

  • Has annual fee
  • Needs excellent credit
  • Rewards only valuable if you frequently stay at Marriott properties

Bonus Offer

Earn 80,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening

Annual Fee

$85

Intro APR Promotions

N/A

APR

  • APR: 16.24% - 23.24% Variable APR
  • Cash Advance APR: 25.24%, Variable

Card Details

  • Earn 80,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
  • Plus, Earn 7,500 bonus points when you add the first authorized user and make a purchase in the first 3 months from account opening.
  • Enjoy 1 Free Night Stay at a Category 1-5 location every year after your account anniversary date!
  • Earn unlimited Marriott Rewards points and get free stays faster
  • Earn 5 points per $1 spent at participating Marriott locations & 2 points per $1 spent on airline tickets purchased directly with the airlines, at car rental agencies & restaurants
  • Earn 1 point per $1 spent everywhere else
  • The fastest way to earn Marriott Rewards Elite Status. Receive 15 Elite Credits guaranteeing Silver Elite Status or better. Plus, Earn 1 Elite Credit for every $3,000 spent on purchases
  • All for an $85 Annual Fee

Earn 80,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening Enjoy 1 night’s stay free at a category 1-5 location every year on your account anniversary date. Earn 5 points per dollar spent at Marriott locations; 2 points per dollar on airline tickets purchased directly with airlines, at car rental agencies and restaurants; and 1 point per dollar spent elsewhere. No foreign-transaction fees. Annual fee of $85.

Benefits of the Marriott Rewards® Premier Credit Card:

  • Your get a free night’s stay at a category 1-5 hotel every year. With some category 5 locations charging more than $200 a night, this makes the annual fee worth it.
  • With your choice of more than 4,300 locations in 81 countries and territories across the world, you’re likely to be able to use your points wherever you travel.
  • You automatically receive Silver Elite status every year, which includes exclusive offers, 20% bonus points during stays, priority late checkout, a 10% discount on weekend stays at select locations and more.
  • You can transfer your points to any of several airline transfer partners. See our Marriott program review for the full list.

Drawbacks of the Marriott Rewards® Premier Credit Card:

  • According to Nerd calculations, Marriott points can be worth up to 1.7 cents per point, but on average are worth only 1 cent each, which is lower than some of this card’s competitors.
  • The card has an annual fee. While the free anniversary night more than makes up for the cost, the frugal crowd may still bristle at the idea of shelling out cash every year to carry a credit card.

The bottom line:

The Marriott Rewards® Premier Credit Card is a great card to have. Not only does Marriott have a wide selection of locations, both economy and upscale, but the card doesn’t limit you to using your points only for hotel stays. The main downside of the card is the value of the points.

Best for hotel transfers

Chase Sapphire Preferred® Card

Apply Now on Chase's secure website

Pros

  • A large bonus
  • $0 foreign transaction fee
  • Cool factor - metal card
  • Rewards redemption bonus through Ultimate Rewards

Cons

  • Introductory annual fee of $0 the first year, then $95
  • Best for savvy travelers

Bonus Offer

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

Annual Fee

$0 for the first year, then $95

Intro APR Promotions

N/A

APR

  • APR: 16.24% - 23.24% Variable APR
  • Cash Advance APR: 25.24%, Variable

Card Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®. Earn 2X points on travel and dining at restaurants and 1 point per dollar spent on all other purchases. Get a 1:1 point transfer to 11 airline, hotel and other partners. No foreign-transaction fee. $0 for the first year, then $95.

Benefits of the Chase Sapphire Preferred® Card:

  • You get a 20% discount when you use your points to book travel on the Chase Ultimate Rewards platform, giving your points an effective value of 1.25 cents apiece.
  • You can also transfer your points at a 1:1 ratio to 11 travel partners, including Hyatt Gold Passport, IHG Rewards Club, Marriott Rewards and Ritz-Carlton Rewards. See our editorial review of the card for the full list.
  • The card’s sleek design and metal composition make it a standout at the cash register.

Drawbacks of the Chase Sapphire Preferred® Card:

  • It’s flexible, but you’re still restricted to the Ultimate Rewards transfer partners and the travel platform.
  • It doesn’t offer the kind of elite status perks you might receive with a co-branded hotel card.
  • It has an annual fee, but it doesn’t offer an anniversary bonus to make up for it.

The bottom line:

With its 2X rewards on all travel purchases, the 20% discount on travel bookings through Ultimate Rewards and its transfer partners, the Chase Sapphire Preferred® Card is one of the best travel credit cards on the market. If you’re not a big spender, however, the annual fee is a barrier to consider.

Easiest travel redemption (tie)

Barclaycard Arrival Plus™ World Elite MasterCard®

Apply Now on Barclaycard's secure website

Pros

  • High rewards rate
  • 0% on Balance Transfers for 12 months (on balance transfers made within 45 days of account opening)
  • No foreign transaction fee

Cons

  • Has annual fee

Bonus Offer

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit

Annual Fee

$0 for the first year, then $89

Intro APR Promotions

0% on Balance Transfers for 12 months (on balance transfers made within 45 days of account opening)

APR

  • APR: 16.24%, 20.24% or 23.24%* Variable APR
  • Cash Advance APR: 25.49%, Variable

Card Details

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.24%, 20.24% or 23.24%, based on your creditworthiness. Please note, there is a fee for balance transfers

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit. Earn 2X miles on all purchases and get 5% miles back every time you redeem. APR: 0% on Balance Transfers for 12 months (on balance transfers made within 45 days of account opening), and then the ongoing APR of 16.24%, 20.24% or 23.24% Variable APR. No foreign-transaction fees. Annual fee is $0 for the first year, then $89.

Benefits of the Barclaycard Arrival Plus™ World Elite MasterCard®:

  • Maximum flexibility: Simply make a travel purchase with the card, then redeem your miles for statement credit against the purchase. You’re not restricted to any specific hotel brand.
  • The base rate of 2 miles per dollar spent is rare among travel credit cards.
  • The 5% miles bonus when you redeem is a great way to get started on saving for your next trip.
  • It’s one of the only travel cards that offers a 0% introductory APR for balance transfers. Keep in mind, though, that it charges a balance-transfer fee of 3% of the balance or $5, whichever is greater.

Drawbacks of the Barclaycard Arrival Plus™ World Elite MasterCard®:

  • It doesn’t offer any of the elite status perks you might receive with a co-branded hotel card.
  • It has an annual fee but doesn’t offer an anniversary bonus to make up for it.

The bottom line:

The Barclaycard Arrival Plus™ World Elite MasterCard® is a Nerd favorite because of its flexibility, high rewards rate and miles bonus when redeeming. If you don’t want to be tied down to a specific rewards program or travel platform, this card is for you.

Easiest travel redemption (tie):
Capital One® Venture® Rewards Credit Card

Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel. Earn unlimited 2X miles on every purchase. No foreign-transaction fees. Annual fee is $0 for the first year, then $59.

Capital One Venture Rewards Credit Card
Learn More
Benefits of the Capital One® Venture® Rewards Credit Card:

  • Maximum flexibility: Simply make a travel purchase with the card, then redeem your miles to get  statement credit against the purchase. You’re not restricted to any specific hotel brand.
  • The base rate of 2 miles per dollar spent is rare among travel credit cards.

Drawbacks of the Capital One® Venture® Rewards Credit Card:

  • It doesn’t offer any of the elite status perks you might receive with a co-branded hotel card.
  • It has an annual fee but doesn’t offer an anniversary bonus to make up for it.

Bottom line:

The Capital One® Venture® Rewards Credit Card’s high ongoing rewards rate and flexibility make it hard to beat. The Barclaycard Arrival Plus™ World Elite MasterCard® has a slight edge with its 5% miles bonus, but the Capital One® Venture® Rewards Credit Card has a lower annual fee.

Best for selection

Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months of account opening. Earn 5 points per dollar spent at IHG hotels, 2 points per dollar spent at gas stations, grocery stores and restaurants, and 1 point per dollar spent elsewhere. Get a free night’s stay every year. Receive a 10% points rebate when you redeem your points for hotel stays. No foreign-transaction fees. $0 for the first year, then $49.

Benefits of the IHG® Rewards Club Select Credit Card:

  • IHG is one of the largest hotel groups in the world; choose from 4,900 locations in 100 countries.
  • You’ll get 10% of your points back when you redeem them at IHG locations.
  • Get a free night’s stay every year.

Drawbacks of the IHG® Rewards Club Select Credit Card

  • IHG points are worth only 0.7 cents apiece on average, according to the Nerds’ calculations. See our IHG program review for more information.
  • You can transfer your points to several airlines, but you’ll likely lose value if you do so. Most transfers require 10,000 IHG points to get 2,000 airline miles.
  • It has an annual fee, though it’s almost half of what you usually pay with other travel cards.

The bottom line:

The IHG® Rewards Club Select Credit Card’s points aren’t very valuable, but the wide selection, free annual night stay and points rebate make it worthy of consideration.

To recap our selections:

NerdWallet’s best hotel credit cards

Best for … Card
Value Starwood Preferred Guest® Credit Card from American Express
Free anniversary night Marriott Rewards® Premier Credit Card
Hotel transfers Chase Sapphire Preferred® Card
Easiest redemption (tie) Barclaycard Arrival Plus™ World Elite MasterCard®
Capital One® Venture® Rewards Credit Card
Selection IHG® Rewards Club Select Credit Card

Cards with hotel benefits, compared

NameSign-up BonusAnnual FeeRewards RateMajor Perks
HOTEL CO-BRANDED CREDIT CARDS
Citi® Hilton HHonors™ Reserve CardEarn 2 weekend night certificates good at select hotels and resorts within the Hilton portfolio after you make $2,500 in purchases within 4 months of account openingThe annual fee is $9510 points per $1 spent at Hilton hotels, 5 points per $1 spent on airline and car rental purchases, 3 points per $1 spent elsewhereHHonors Gold status, one free weekend night after you spend $10,000 each year
IHG® Rewards Club Select Credit CardEarn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months of account openingIt has a $0 for the first year, then $495 points per $1 spent at IHG hotels; 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants; 1 point per $1 spent elsewhereAnnual free night, automatic 10% point rebate when you redeem for hotel stays, Platinum Elite status
Marriott Rewards® Premier Credit CardEarn 80,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account openingIt has a $855 points per $1 spent at Marriott locations; 2 points per $1 spent on airline ticket purchases directly with airlines, at car rental agencies and restaurants; and 1 point per $1 spent elsewhere1 free night stay at a category 1-5 location every year after your account anniversary date
Starwood Preferred Guest® Credit Card from American ExpressGet 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months. Terms ApplyThe annual fee is $0 for the first year, then $95Up to 5 Starpoints per $1 spent at participating SPG locations, 1 Starpoint per $1 spent elsewhereFree unlimited Boingo Wi-Fi, over 30 airline transfer partners
GENERAL TRAVEL CREDIT CARDS THAT OFFER HOTEL REDEMPTION
BankAmericard Travel Rewards® credit card20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchasesThe annual fee is $01.5 miles per $1 spentEarn up to 75% more points if you have an active checking, savings or Preferred Rewards client account
Barclaycard Arrival™ World MasterCard®Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement creditThe annual fee is $02 miles per $1 spent on travel and dining, 1 mile per $1 spent elsewhereFlexible redemption, Get 5% miles back to use toward your next redemption, every time you redeem, Chip + PIN capable
Barclaycard Arrival Plus™ World Elite MasterCard®Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement creditThe annual fee is $0 for the first year, then $892 miles per $1 spentFlexible redemption, Get 5% miles back to use toward your next redemption, every time you redeem, Chip + PIN capable
Capital One® Venture® Rewards Credit CardEnjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travelThe annual fee is $0 for the first year, then $592 miles per $1 spentFlexible redemption with Purchase Eraser
Capital One® VentureOne® Rewards Credit CardEnjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travelThe annual fee is $01.25 miles per $1 spentFlexible redemption with Purchase Eraser
Chase Sapphire Preferred® CardEarn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®$0 for the first year, then $952 points per $1 spent on travel and dining out, 1 point per $1 spent elsewhereGet a 20% discount on travel booked through Chase Ultimate Rewards
Citi Prestige® CardEarn 40,000 bonus points after $4,000 in purchases made with your card in the first 3 months the account is open.The annual fee is $4503 points per $1 spent on airfare and hotels, 2 points per $1 on dining out and entertainment, 1 point per $1 spent elsewhere$250 air travel credit each year, fee credit for Global Entry application, free 4th night hotel stay, elite lounge access, and more
Discover it® Miles50,000 Miles could turn into 100,000 Miles with Discover Match®. We'll automatically match all the Miles you earned at the end of your first year. Only for new cardmembers. The annual fee is $01.5 miles per $1 spentDiscover pays you back for your in-flight Wi-Fi fees‰ÛÓup to $30 a year‰ÛÓwith an automatic statement credit
The Platinum Card® from American ExpressEarn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months. Terms ApplyThe annual fee is $4501 point per $1 spent$200 annual airline fee credit, elite lounge access, fee credit for Global Entry or TSA Pre‰ÏÒ application, hotel elite status, and more
Premier Rewards Gold Card from American ExpressReceive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership. Terms ApplyThe annual fee is $0 for the first year, then $1953 points per $1 spent on flights booked directly with airlines, 2 points per $1 spent at restaurants, gas stations and supermarkets, 1 point per $1 spent elsewhere$100 airline fee credit annually, get up to a $75 hotel credit on qualifying charges, plus a room upgrade at check-in when you stay at least two consecutive nights
U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card – 20,000 Bonus FlexPointsGet 20,000 Bonus FlexPoints after the first $3,500 in net purchases in the first 4 months.The annual fee is $0 intro* for the first year, then $49*3 points per $1 spent on eligible charitable donations; 2 points per $1 spent on gas, groceries and airline purchases; 1 point per $1 spent elsewherePoints are worth up to 2 cents apiece, Receive an allowance of up to $25 with every award airline ticket to use toward baggage fees, in-flight food or drinks, and more
Wells Fargo Propel 365 American Express20,000 points when you spend $3,000 in net purchases in the first 3 monthsThe annual fee is waived the first year and $45 every year thereafter3 points per $1 spent at gas stations, 2 points per $1 spent at restaurants and 1 point per $1 spent elsewhereGet up to 20% off the best available hotel rates, get savings up to 25% off with all major car-rental companies
BUSINESS CREDIT CARDS THAT OFFER HOTEL REDEMPTION
The Business Platinum Card® from American Express OPEN Welcome Offer: Get 40,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership. Terms ApplyThe annual fee is $4501 point per $1 spent$200 annual airline fee credit, elite lounge access, fee credit for Global Entry or TSA Pre‰ÏÒ application, and more
Capital One® Spark® Miles for BusinessPlus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months of approvalThe annual fee is $0 for the first year, then $592 miles per $1 spentFlexible redemption with Purchase Eraser
Capital One® Spark® Miles Select for BusinessPlus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months of approvalThe annual fee is $01.5 miles per $1 spentFlexible redemption with Purchase Eraser
CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening*The annual fee is $95, waived for the first 12 months*2 miles per $1 spent on American Airlines, telecom providers, car rental agencies and gas stations; 1 mile per $1 spent elsewhereFree checked bags for cardholder and up to 4 travel companions, priority boarding
Gold Delta SkyMiles® Business Credit Card from American ExpressEarn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months. Terms ApplyThe annual fee is $0 for the first year, then $952 miles per $1 on Delta, 1 mile per $1 spent elsewhereFirst checked bag free, earn a $50 statement credit when you make a Delta purchase within the first 3 months, priority boarding
Ink Plus® Business Credit CardEarn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®$955 points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cell, landline, internet and cable TV services each account anniversary year; 2 points per $1 on the first $50,000 spent in combined purchases at gas stations and hotels each account anniversary year; 1 point per $1 spent elsewhereGet a 20% discount on travel booked through Chase Ultimate Rewards
Starwood Preferred Guest® Business Credit Card from American ExpressFor the first time, earn 2 free nights at participating SPG® Category 1-5 hotels & resorts worldwide after you use your new Card to make $5,000 in purchases within the first 3 months. Note: A select few resorts require additional fees. Offer ends 10/19/2016.The annual fee is $0 for the first year, then $95Up to 5 Starpoints per $1 spent at participating SPG locations, 1 Starpoint per $1 spent elsewhereFree unlimited Boingo Wi-Fi, over 30 airline transfer partners
U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card20,000 FlexPoints Bonus after spending $3,500The annual fee is waived the first year and $55 every year thereafter3 points per $1 spent on eligible charitable donations; 2 points per $1 spent on gas, office supplies, airline, and most cell phone expenses; 1 point per $1 spent elsewherePoints are worth up to 2 cents apiece, Receive an allowance of up to $25 with every award airline ticket to use toward baggage fees, in-flight food or drinks, and more

Methodology

NerdWallet’s credit cards team selects 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 win in multiple categories.

Last updated January 7, 2016

Ben Luthi is a staff writer at NerdWallet, a personal finance website. Email:bluthi@nerdwallet.com. Twitter: @benluthi.


Image via iStock.