Hotel Credit Cards of November 2024

Hotel
Apply for an Hotel credit cards. On 06.11.2024 you have access to 4 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 4
Updated:
28.06.2024
15:10
BEST PREMIUM TRAVEL CREDIT CARD
Rating by Finanso®
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Recommended FinScore™
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Interest rate

22.49 – 29.49 %
BEST AIRLINE CREDIT CARD
American Express
Delta SkyMiles® Gold American Express Card®
Rating by Finanso®
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20.24 – 29.24 %
Best Mid-Tier Hotel Card
American Express
Hilton Honors American Express Surpass®
Rating by Finanso®
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Interest rate

19.99 – 28.99 %
American Express
Marriott Bonvoy Business® Credit Card®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Credit Card Online Application of November 2024

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Hotel Credit Cards of November 2024

What is a Hotel Credit Card?

A hotel credit card is a type of rewards credit card that is designed specifically for travelers and offers rewards and benefits related to hotel stays.

With a co-branded hotel credit card, cardholders can earn points or miles for hotel purchases, which can be redeemed for free nights or upgrades at participating hotels. Many hotel credit cards may also offer additional travel benefits, such as airport lounge access, travel insurance, and more.

Some popular hotel credit cards include:

  • Marriott Bonvoy Brilliant American Express Card
  • Hilton Honors American Express Surpass Card
  • World of Hyatt Credit Card
  • IHG Rewards Club Premier Credit Card.

    Pros and Cons of Hotel Credit Cards

    Pros

    • Rewards. Hotel credit cards offer rewards for hotel stays. You may get points or miles that can be redeemed for free nights or upgrades at participating hotels.
    • Travel benefits. Hotel credit cards offer additional travel benefits, like airport lounge access, travel insurance, and more.
    • Status upgrades. Some hotel credit cards offer automatic elite status upgrades, like automatic Silver Elite status. This allows cardholders to enjoy perks, such as early check-in, late check-out, and room upgrades.
    • Easy to use. Hotel credit cards are easy to use, with points or miles automatically credited to your account when you make purchases with a particular hotel chain.

      Cons

      • Limited redemption options. Hotel credit cards are designed specifically for hotel stays, so the rewards and benefits may be limited to just that category.
      • High annual fee. Some hotel credit cards have a high annual fee, which may not be worth it for those who do not travel frequently.
      • Limited global acceptance. Not all hotels participate in the rewards program offered by a hotel credit card, and some hotel chains may have a limited global presence.
      • High interest rates. Hotel credit cards may have higher interest rates compared to other types of credit cards. Pay the balance in full every month to avoid paying interest.

        Who Should Get a Hotel Credit Card?

        A hotel credit card may be a good fit for someone who:

        • Travels frequently for leisure or business. If you stay at hotels often, a hotel credit card can help you earn rewards and benefits for those stays.
        • Values hotel rewards and benefits. Hotel credit cards typically offer rewards, such as points or miles for hotel stays, as well as additional travel benefits, such as airport lounge access and travel insurance.
        • Has a good to excellent credit score. Hotel credit cards are often premium credit cards that require a good to excellent credit score to be approved.
        • Can pay the balance in full every month. Hotel credit cards may have higher interest rates compared to other types of credit cards. It's important to pay the balance in full every month to avoid paying interest.

          If you're a traveler who values the rewards and benefits offered by hotels and you have a good to excellent credit score, a hotel credit card could be a good option for you. However, be sure to consider the terms and conditions and user guide provided with your card to understand all the features and benefits available to you.

          How to Maximize Hotel Rewards Points

          These are tips on how to maximize your hotel rewards points:

          1. Choose the right hotel credit card. Consider the hotel chains and rewards programs you frequent, and choose a hotel credit card that aligns with your travel habits.
          2. Make hotel purchases with the card. Use your hotel credit card to make all hotel purchases, such as room rates, restaurant charges, and other incidentals, to maximize your rewards points.
          3. Book through the hotel's website or mobile app. Booking directly through the hotel's website or mobile app often results in more reward points compared to booking through a third-party website.
          4. Take advantage of bonus offers. Keep an eye out for bonus offers from your hotel credit card and hotel rewards program, such as limited-time promotions, bonus point periods, and special promotions.
          5. Redeem your reward points wisely. When it's time to redeem your rewards points, consider the value of the points compared to the cost of the reward, and choose the option that offers the best value for you.
          6. Consider loyalty programs. Consider joining the hotel's loyalty program and linking it with your hotel credit card, which can result in even more reward points.
          7. Pay your bill on time. Late payments can result in a reduction of reward points, so be sure to pay your bill on time every month.

            I you follow these tips, you can maximize your hotel rewards points and enjoy the benefits of your hotel credit card.

            The Best Hotel Credit Cards

            Here are some of the best hotel credit cards in the USA:

            Marriott Bonvoy Brilliant American Express Card

            Offers a large welcome bonus, generous rewards for Marriott stays, and a variety of travel benefits such as airport lounge access and a credit for a TSA PreCheck or Global Entry application fee.

            You get 6 points per dollar spent on eligible purchases, 3 points on flights booked with airlines, and 2 points on other eligible purchases.

            Hilton Honors American Express Aspire Card

            The card from American Express offers a large welcome bonus, premium rewards for Hilton stays, and valuable benefits for car rentals with select car rental companies and other eligible purchases. You will have a $250 annual Hilton resort credit, a $250 annual airline fee credit, and Priority Pass lounge access.

            Hilton Honors American Express card has no foreign transaction fees. You get a Hilton Honors Diamond status instantly when you receive the card. The welcome bonus is 150,000 Hilton Honors bonus points after spending $4,000 in three months from account opening.

            World of Hyatt Credit Card

            Offers a generous welcome bonus, premium rewards for Hyatt stays, and benefits such as free night awards, upgraded room awards, and access to the Hyatt Discoverist program.

            You get a sign-up bonus of 30,000 points after you spend $3,000 within the first three months from account opening. The bonus points are 2 to 4 per $1 spent on eligible purchases.

            IHG Rewards Premier Credit Card

            The card has a large welcome bonus, premium rewards for IHG stays, and benefits such as an annual free night award, automatic Platinum Elite status, and a fourth reward night free on award stays.

            The online offer is 175,000 points after you spend $3,000 on qualifying purchases within the first three months from account opening. The annual fee is $99.

            The Ritz-Carlton Rewards Credit Card

            Offers a large welcome bonus, premium rewards for Ritz-Carlton stays, and benefits such as three complimentary Club Level upgrades per year, a $300 annual travel credit, and automatic Gold Elite status.

            You can redeem points for hotel chain stays and airline tickets.

            The Platinum Card from American Express

            The annual fee is $695. You get an online offer of 80,000 rewards points after you spend $6,000.

            The annual statement credit of $200 is available for Hotel Collection bookings and resorts. The rewards are 5 points per $1 spent on airline tickets purchased directly via American Express Travel and prepaid hotels booked with AmEx. On other eligible purchases, you get 1 point per $1 spent.

            These are just a few hotel credit cards available in the USA. The best card for you will be determined by your travel habits, preferred hotel brands, and the rewards and benefits that are most important to you. Be sure to carefully consider the conditions and user guide provided with each card to understand all the features and benefits available to you.

            FAQ

            What hotels have their own credit card?

            Several hotel chains in the USA offer their own credit cards, including Marriott Bonvoy, Hilton Honors, IHG Rewards Club, and World of Hyatt. These cards offer rewards such as points, free nights, room upgrades, and other benefits when used at the hotel chain's properties. Some hotel credit cards also offer rewards for general spending.

            Which card is best for hotel rewards?

            The best hotel rewards credit card in the USA can vary based on individual needs and preferences. Some popular options include the Marriott Bonvoy Brilliant American Express Card, the World of Hyatt Credit Card, and the Hilton Honors American Express Surpass Card. Compare the rewards, benefits, and annual fees of each card to determine which one best fits your travel and spending habits.

            What credit score is needed for a hotel credit card?

            The credit score needed for approval of a hotel credit card in the USA typically ranges from good to excellent, around 670 or higher. However, the exact credit score requirement can vary depending on the card issuer and the card type. It's recommended to check the specific card's eligibility requirements before applying to determine if your credit score meets the requirement.

            Do we actually need a credit card for a hotel?

            While a credit card is often required as a form of guarantee for incidentals during a hotel stay in the USA, it is not necessary to have one to book a room. Other forms of payment, such as debit cards, prepaid cards, or cash, can also be used to secure a reservation. However, having a hotel credit card can offer rewards, benefits, and added protections during travel.

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