Best Hotel Business Credit Cards of May 2026
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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Best hotel business credit cards
Here are our complete picks, in alphabetical order:
- IHG One Rewards Premier Business Credit Card: Best for bonus category rewards.
- Marriott Bonvoy Business® American Express® Card: Best for overall hotel business card.
- The Hilton Honors American Express Business Card: Best for welcome bonus.
- World of Hyatt Business Credit Card: Best for elite status.
- Wyndham Rewards® Earner℠ Business Credit Card: Best low-fee hotel business card.
You can apply for the cards highlighted below via NerdWallet's partners. Those relationships do not influence our editorial team's selections. Our small-business writers and editors chose the best hotel business cards based on their independent research and ratings.
The Hilton Honors American Express Business Card
Best for Welcome bonus
Annual fee
$195
Rewards rate
3x-12x
Points
Intro offer
130,000
Points
on American Express' website
Rates & Fees
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
Marriott Bonvoy Business® American Express® Card
Best for Overall hotel business card
Annual fee
$125
Rewards rate
2x-6x
Points
Intro offer
Up to 5 Free Night Awards
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
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The Hilton Honors American Express Business Card
Best for Welcome bonus
Annual fee
$195
Rewards rate
3x-12x
Points
Intro offer
130,000
Points
on American Express' website
Rates & Fees
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
This card has one of the best welcome offers around and cardholders get automatic Hilton Honors Gold status, which comes with perks like room upgrades at select hotels and complimentary breakfast or daily food and beverage credits.
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
- Terms apply.
Rates & Fees
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
This card has one of the best welcome offers around and cardholders get automatic Hilton Honors Gold status, which comes with perks like room upgrades at select hotels and complimentary breakfast or daily food and beverage credits.
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
- Terms apply.
Rates & Fees
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
Marriott Bonvoy Business® American Express® Card
Best for Overall hotel business card
Annual fee
$125
Rewards rate
2x-6x
Points
Intro offer
Up to 5 Free Night Awards
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
If you're not already loyal to a specific chain, Marriott's card is tough to beat. Cardholders get a great welcome offer, a free night each year and automatic Gold Elite status, which comes with perks like late checkout and complimentary room upgrades (when available).
- WELCOME OFFER: Earn 3 Free Night Awards after you spend $6,000 in purchases and an extra 2 Free Night Awards after you spend an additional $3,000 in purchases on the Card within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 250,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
If you're not already loyal to a specific chain, Marriott's card is tough to beat. Cardholders get a great welcome offer, a free night each year and automatic Gold Elite status, which comes with perks like late checkout and complimentary room upgrades (when available).
- WELCOME OFFER: Earn 3 Free Night Awards after you spend $6,000 in purchases and an extra 2 Free Night Awards after you spend an additional $3,000 in purchases on the Card within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 250,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
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: 3.5
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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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. Nerdy Tip
Methodology
NerdWallet's writers and editors monitor more than 70 business credit cards to select the best options 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).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.