The best hotel credit card for bad credit is the Discover it® Secured Credit Card Card because it accepts people with a bad credit score, offers 1 - 2% cash back on purchases, and matches all cash back earned the first year. Discover it® Secured Credit Card also has a $0 annual fee and a 0% foreign transaction fee, making it a low-cost way to satisfy a hotel’s credit card requirement wherever you stay.
When you have bad credit, hotel credit card options are limited. There are no co-branded hotel credit cards for bad credit at this time. The Best Western Secured Credit Card no longer accepts applications, as of October 2018. It had a $300 deposit requirement and offered 50,000 points bonus after your first purchase. It also gave 3 points per $1 spent on Best Western stays.
There are unsecured cards for bad credit. But they often come with high fees that reduce your initial spending power, with credit limits that 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 process or you could be subject to an over limit fee. Secured cards are a better option because you usually can add to the deposit to increase your spending power. You should be able to get enough credit to cover hotel costs and their holds.
Best Credit Cards for Bad Credit for Hotel Bookings:
Even though the best hotel credit cards for bad credit cards are secured cards, keep in mind 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. The Capital One Venture Rewards Credit Card is among the best hotel credit cards. This card requires a minimum of good credit.
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