Rhonda Stewart, WalletHub Loans Analyst
@rhonda
The best hotel credit card for bad credit is the Bank of America® Customized Cash Rewards Secured Credit Card. It offers 6% cash back in your choice of categories during the first year, then 3% afterward- on purchases like travel, in addition to 2% back on groceries (up to a total of $2,500 spent quarterly). It also has a $0 annual fee.
Keep in mind that hotel credit card options are limited for people with bad credit. For example, there are no co-branded hotel credit cards for bad credit available at the moment.
Best Credit Cards for Bad Credit & Hotel Bookings
Learn More About Hotel Credit Cards for Bad Credit
While there are unsecured cards for bad credit, they often come with high fees that reduce your initial spending power. And the credit limit will likely start at just $300 or so anyway. Having sufficient available credit is crucial when booking hotels. Hotels often place a "hold" of $50-$200 per day on your account for incidentals. If the hold exceeds your credit limit, the booking may not go through.
Secured cards are a better option because you can typically add to your deposit to increase your spending power. You should be able to get enough credit to cover a hotel reservation and the accompanying hold.
Just don’t forget that your primary objective should be to rebuild credit rather than earn hotel rewards. By using your secured card responsibly and making timely payments, you can eventually qualify for a better hotel credit card.
Ethan Foster, Member
@ethan_f_music
There should be motel credit cards for people with bad credit! I need something :)
Kevin Richardson, Member
@krich_business
Anything with rewards, honestly. There’s no hotel-branded option. Just general secured cards. Discover’s is probably best.
People also ask
How can I get a credit card with bad credit?
You can get a credit card with bad credit by applying for a secured credit card or an unsecured credit card for bad credit. Secured cards have lenient credit score requirements, making them accessible even if you have bad credit, but you will have to place a refundable security deposit that will become your credit limit.
Some secured credit cards don’t even check an applicant’s credit history, which means there’s no hard pull to hurt your credit score further. Plus, past mistakes...
read full answer by John S Kiernan, Managing EditorWhat are the best credit cards for a 550 credit score?
One of the best credit cards for a 550 credit score is the opensky® Plus Secured Visa® Credit Card because it has a $0 annual fee and there’s no credit check when you apply, so approval is almost guaranteed. You just need $300 for a refundable security deposit and enough income to make monthly payments. This card also reports to all three major credit bureaus (Equifax, Experian, and TransUnion) every month, which is your ticket to a better credit score.
However, this isn’t...
read full answer by William Memphis, WalletHub Credit Card AnalystDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.