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Best Cards with Hotel Credits
Credits toward hotel stays — either through the issuer's travel portal (Fine Hotels + Resorts, The Edit, Delta Stays) or at hotel brands directly. The catch is usually a minimum stay or portal booking requirement.
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American Express
Amex Business PlatinumFine Hotels + Resorts / Hotel Collection Statement Credit · Twice a year
$300 / 6mo$895 / yr
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American Express
Amex Platinum (Morgan Stanley)Fine Hotels + Resorts Credit · Yearly
$600 / yr$895 / yr
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American Express
Delta SkyMiles Gold BusinessDelta Stays Annual Statement Credit · Yearly
$150 / yr$150 / yr (waived year 1)
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American Express
Amex Business PlatinumThe Hotel Collection Property Credit · Yearly
$100 / yr$895 / yr
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American Express
Delta SkyMiles GoldDelta Stays Annual Statement Credit · Yearly
$100 / yr$150 / yr (waived year 1)
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American Express
Amex PlatinumFine Hotels & Resorts Complimentary Benefits · Yearly
$100 / yr$895 / yr
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Bank of America
Bank of America Premium Rewards EliteVisa Infinite Luxury Hotel Collection · Yearly
$550 / yr
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Wells Fargo
Wells Fargo Active CashVisa Signature Luxury Hotel Collection Access · Yearly
No annual fee
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Wells Fargo
Wells Fargo Autograph JourneyVisa Signature Luxury Hotel Collection Benefits · Yearly
$95 / yr
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Bank of America
Bank of America Premium RewardsVisa Signature Luxury Hotel Collection · Yearly
$95 / yr
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Side by side
| Card | Benefit | Value | Resets | Annual fee |
|---|---|---|---|---|
| Amex Platinum (Schwab) | Fine Hotels + Resorts Credit | $600 / yr | Yearly | $895 / yr |
| Amex Platinum (Morgan Stanley) | Hotel Credit | $300 / 6mo | Twice a year | $895 / yr |
| Amex Business Platinum | Fine Hotels + Resorts / Hotel Collection Statement Credit | $300 / 6mo | Twice a year | $895 / yr |
| Amex Platinum | Fine Hotels & Resorts Credit | $300 / 6mo | Twice a year | $895 / yr |
| Amex Platinum (Morgan Stanley) | Fine Hotels + Resorts Credit | $600 / yr | Yearly | $895 / yr |
| Chase Sapphire Reserve Business | The Edit Hotel Credit | $250 / 6mo | Twice a year | $795 / yr |
| Bilt Palladium | Annual Bilt Travel Portal Hotel Credit | $200 / 6mo | Twice a year | $495 / yr |
| Citi Strata Elite | Annual Hotel Benefit | $300 / yr | Yearly | $595 / yr |
| Chase Sapphire Reserve | Select Chase Travel Hotels Credit | $250 / yr | Yearly | $795 / yr |
| Delta SkyMiles Reserve Business | Delta Stays Hotel Credit | $250 / yr | Yearly | $650 / yr |
| Delta SkyMiles Platinum Business | Delta Stays Hotel Credit | $200 / yr | Yearly | $350 / yr |
| United Club Business | Renowned Hotels and Resorts Statement Credit | $200 / yr | Yearly | $695 / yr |
| United Club | Renowned Hotels and Resorts Hotel Credit | $200 / yr | Yearly | $695 / yr |
| Delta SkyMiles Reserve | Delta Stays Hotel Credit | $200 / yr | Yearly | $650 / yr |
| United Quest | Renowned Hotels and Resorts Statement Credit | $150 / yr | Yearly | $350 / yr |
| Delta SkyMiles Gold Business | Delta Stays Annual Statement Credit | $150 / yr | Yearly | $150 / yr (waived year 1) |
| Delta SkyMiles Platinum | Delta Stays Hotel Credit | $150 / yr | Yearly | $350 / yr |
| Amex Business Gold | Hotel Collection Property Credit | $100 / yr | Yearly | $375 / yr |
| Citi Strata Premier | Annual Hotel Benefit | $100 / yr | Yearly | $95 / yr |
| United Explorer | United Hotels Credit | $100 / yr | Yearly | $150 / yr (waived year 1) |
| Amex Business Platinum | The Hotel Collection Property Credit | $100 / yr | Yearly | $895 / yr |
| Delta SkyMiles Gold | Delta Stays Annual Statement Credit | $100 / yr | Yearly | $150 / yr (waived year 1) |
| Bilt Obsidian | Bilt Travel Hotel Credit | $50 / 6mo | Twice a year | $95 / yr |
| Amex Platinum | Fine Hotels & Resorts Complimentary Benefits | $100 / yr | Yearly | $895 / yr |
| Amex Gold | Hotel Collection Credit | $100 / yr | Yearly | $325 / yr |
| Chase Sapphire Preferred | Annual Hotel Credit via Chase Travel | $50 / yr | Yearly | $95 / yr |
| United Club | 5x Earning Rate on Renowned Hotels and Resorts Bookings | — | Yearly | $695 / yr |
| Bank of America Premium Rewards Elite | Visa Infinite Luxury Hotel Collection | — | Yearly | $550 / yr |
| Amex Business Platinum | Fine Hotels + Resorts Perks | — | Yearly | $895 / yr |
| Wells Fargo Active Cash | Visa Signature Luxury Hotel Collection Access | — | Yearly | No annual fee |
| Chase Sapphire Reserve | The Edit by Chase Travel Luxury Hotel Benefits | — | Yearly | $795 / yr |
| Wells Fargo Autograph Journey | Visa Signature Luxury Hotel Collection Benefits | — | Yearly | $95 / yr |
| Bank of America Premium Rewards | Visa Signature Luxury Hotel Collection | — | Yearly | $95 / yr |
| United Club Business | Renowned Hotels & Resorts Earning Rate (5X) | — | Yearly | $695 / yr |
| Amex Platinum (Morgan Stanley) | Fine Hotels + Resorts® Program | — | — | $895 / yr |
| Hilton Aspire | Points Earning at Hilton Hotels and Resorts | — | Yearly | $550 / yr |
| Amex Platinum (Morgan Stanley) | The Hotel Collection | — | — | $895 / yr |
| Capital One Spark 2x Miles | Lifestyle Collection Hotel Benefits | — | Yearly | $95 / yr |
| United Club | Renowned Hotels and Resorts Property Benefits | — | Yearly | $695 / yr |
| Citi Strata Elite | The Reserve by Citi Travel Hotel Benefit | — | Yearly | $595 / yr |
| Hilton Honors Business | 12X Points at Hilton Hotels and Resorts | — | Yearly | $195 / yr |
| Capital One Venture Business | Lifestyle Collection Hotel Benefits | — | Yearly | $95 / yr |
| Hilton Honors | 7X Points on Hilton Hotels and Resorts | — | Yearly | No annual fee |
| IHG Premier | Up to 26X Points at IHG Hotels and Resorts | — | Yearly | $99 / yr |
| Atmos Rewards Summit | Visa Infinite Luxury Hotel Collection | — | Yearly | $395 / yr |
| United Quest | 5x Miles on Renowned Hotels and Resorts Bookings | — | Yearly | $350 / yr |