The best hotel credit card is The World Of Hyatt Credit Card because it is affordable, highly rewarding and affiliated with a major hotel chain – making it easy to earn and redeem lots of free nights. The World of Hyatt Card offers initial bonuses worth as much as $900+ in hotel reservations, gives up to 4 points per $1 spent normally, provides free nights and elite status as benefits, and has an annual fee of just $95. That is a very attractive package for people who can commit to Hyatt’s collection of hotels and resorts.

There are plenty of other attractive options, though, and a great deal depends on your travel and spending habits. To identify the best hotel credit cards, WalletHub’s editors regularly compare more than 1,500 credit card offers based on their expected hotel savings and select the top offers for different types of travelers.

Best Hotel Credit Cards of 2020

Credit Card	Best For	Initial Bonus	Annual Fee
Hilton Honors American Express Surpass® Card	Hilton	125,000 points	$95
Marriott Bonvoy Boundless™ Credit Card	Marriott	100,000 points	$95
Best Western Premium Credit Card	Best Western	50,000 points	$59
The World Of Hyatt Credit Card	Hyatt	50,000 points	$95
Wyndham Credit Card	Wyndham	30,000 points	$75
IHG® Rewards Club Traveler Credit Card	No Annual Fee	75,000 points	$0
The Hilton Honors American Express Business Card	Business	130,000 points	$95
IHG® Rewards Club Premier Credit Card	Initial Bonus	125,000 points	$89

In general, the best hotel credit cards tend to have big initial bonuses and ongoing rewards that allow you to quickly rack up free nights. But you also have to consider your lifestyle and spending habits. That means you should only get a specific hotel’s credit card if it’s affiliated with a chain you patron regularly or could easily commit to moving forward. It also means getting a card with good rewards at any hotel if you like to shop around for the best hotel deals.

On that note, there aren’t many hotel rewards credit cards for people with fair, limited or bad credit. So if you have less-than-good credit, your options are likely limited to secured cards as well as credit cards with rewards that don’t emphasize hotel stays.

You can see if your credit is good enough for elite hotel rewards by checking your latest credit score for free on WalletHub. You can also check out our editors’ picks for the best overall rewards credit cards to see which of hotel cards made the cut.

How to Get Free Hotel Stays with the Best Hotel Credit Card for You

See How Much You Spend on Hotel Rooms: You need to determine whether hotel reservations represent a big enough portion of your total spending to warrant getting one of the best hotel credit cards tied to a specific chain. After all, a card offering everyday cash back or general-purpose travel rewards could also help you save on hotel stays, plus everything else you buy. And such a card would provide much more flexibility.

The basic rules of thumb are that you should only make a co-branded hotel card your primary spending vehicle if you spend at least 20 nights in that chain each year. Supplementing an existing card with hotel plastic when a big initial bonus is available could be a great move as well. But you should have plans to use that bounty for a hotel stay within six months of account opening. Otherwise, the points could lose value or be forgotten over time.
Decide How Long You Want to Keep Your New Card: Your plans for a new hotel credit card will dictate how you evaluate offers. If you think you’ll have the card for only a year or two, then you should focus more on initial rewards bonuses. But if you have no timetable for closing your account, regular rewards earning rates and ongoing amenities such as room upgrades will be more important.
Double-Check Hotel Point Redemption Values: There’s often little rhyme or reason to the number of points needed to book a free night. The clearest trend you’ll find is that reward nights during peak season and weekends tend to provide the least value. Hotel credit card users also have several other redemption options. They often include gift cards, merchandise, statement credits and special experiences.

Figuring out how much hotel points are worth, whether redeemed for free nights in your favorite destinations or something else, is essential to getting good value from your earnings. This may seem like a lot of work. But it’s worth it if you want to avoid money-losing surprises.
Learn About the Reward Night Booking Process: Start by confirming that a given hotel chain actually has properties in all your favorite travel destinations. Then check out customer reviews as well as the redemption page on the chain’s website. Feedback from previous guests is a great screen against obvious limitations. And doing a little digging online gives you the chance to scan the fine print for less obvious drawbacks.
Improve Your Credit Score: The best hotel credit cards require at least good credit for approval. So if your score is less than 700, you may want to hold off on applying for a bit while you improve your standing. You can check your latest credit score for free on WalletHub, as well as learn from personalized credit improvement advice.

General-Purpose Credit Cards with Large Hotel Networks

Instead of being affiliated with one specific hotel brand, several credit cards have ties to a network of hotels, allowing cardholders to easily earn, transfer and redeem with any of those hotels. You can find some notable examples of travel rewards credit cards with that sort of framework below

American Express Fine Hotels & Resorts: 1,000+ hotels across more than 60 brands, at which people with The Platinum Card® from American Express or The Business Platinum Card® from American Express receive special perks.

Chase Hotel Partners: IHG Rewards Club, Marriott Bonvoy and World of Hyatt. Chase credit card users can transfer points to these hotel loyalty programs at a 1:1 ratio. Two of the best cards for transferring points to Chase’s hotel partners are Chase Sapphire Preferred® Card and Chase Sapphire Reserve®.

Best Hotel Credit Cards for Automatic Status

Hotel Chain	Card Name	Automatic Status Level	Annual Fee
Marriott	Marriott Bonvoy Brilliant™ American Express® Card	Marriott Bonvoy Gold Elite	$450
Hilton	Hilton Honors Aspire Credit Card	Hilton Diamond	$450
Best Western	Best Western Premium Credit Card	Best Western Platinum Elite	$59
Hyatt	The World Of Hyatt Credit Card	Hyatt Discoverist	$95
Wyndham	Wyndham Credit Card	Wyndham Platinum	$75
IHG	IHG® Rewards Club Premier Credit Card	IHG Platinum	$89

For more insights on the biggest brands, check out WalletHub’s in-depth reviews of the best Marriott credit cards and the best Hilton credit cards.

It’s also a good idea to get acquainted with the major hotel loyalty programs if you’re thinking about applying for a hotel credit card tied to a particular chain. Some hotel rewards programs are better than others, just like hotel credit cards.

What Is the Best Hotel Rewards Program in 2020?

Wyndham Rewards is the best hotel rewards program, according to WalletHub’s research, because it offers the most rewards value per $1 spent by its members as well as flexible redemption options. Wyndham Rewards points are worth roughly 1.17 cents on average, per our calculations. Wyndham has solid geographic coverage, too, with 9,000 hotels and resorts across more than 80 countries.

Best Hotel Rewards Programs:

Wyndham Rewards
Radisson Rewards
Best Western Rewards
Choice Privileges
Marriott Bonvoy

One thing to keep in mind regarding these hotel loyalty programs: Best Western is the only one of the big guys whose rewards do not expire due to account inactivity. Below, you can find some additional analysis from our latest hotel rewards program report.

Compare the Best Hotel Rewards Programs:

Hotel Rewards Program	Best For	Number of Hotels	WalletHub Score
Wyndham Rewards	Overall	9,200	72.40
Marriott Bonvoy	International Travel	7,205	61.01
World Of Hyatt	Fewest Earning Limitations	896	57.42
Best Western Rewards	Points That Won’t Expire	4,500	63.71
Wyndham Rewards	Rewards Value	9,200	72.40
IHG Rewards Club	Transfer Partners	5,800	45.11
Best Western Rewards	Redemptions Options	4,500	63.71

For more, including a custom calculator that will help you identify the right loyalty rewards for your needs, check out WalletHub’s complete report on the Best Hotel Rewards Programs.

Methodology for Selecting the Best Hotel Credit Cards

To select the best credit cards for hotel rewards, and make sure the list stays up to date, WalletHub’s editors regularly compare more than 1,500 credit card offers in search of the top deals for different types of hotel-goers. Given that hotel guests have differing needs, both from their plastic (or metal) and their lodging, the best hotel credit cards cannot be one size fits all.

As a result, we consider credit cards with standout general-purpose travel rewards, good for stays at any hotel, in addition to hotel credit cards affiliated with a specific chain. Furthermore, we try to include at least one hotel rewards card for each credit level, from bad to excellent, along with options for students and small business owners.

When comparing hotel-specific credit card offers, we calculate the amount that a frequent traveler would earn in rewards with each card over two years, minus any applicable fees. We assume $36,506 in annual spending, including $4,105 spent on hotels – five times what the average person spends on hotels per year, according to data from the Bureau of Labor Statistics.

We then rank the cards to identify the most rewarding option overall. We also calculate the value of each card’s initial bonus, minus the first year’s annual fee, to determine which card offers the most free nights upfront. For cards that offer initial rewards bonuses, we include the bonus if a cardholder would earn it by spending an average of $700 per month for up to four months. And for our heavy-spender category (10X the average person's hotel spending), we double the expected spending. Any other bonuses past the four-month mark that require spending to earn are included in calculations if the spending requirement can be met based on the standard spending assumptions we used.

In selecting the best credit cards for rewards at any hotel, we focus on two-year rewards earnings after annual fees. We also try to include at least one no annual fee option for people who don’t want to pay extra for the pleasure of earning hotel rewards.