Creddy may earn a commission when you apply through our links. This does not affect our rankings, which are based on the published value of each card's benefits. Full disclosure
Best Credit Cards for Hotels
Hotel spend earns most on co-brands and portal bookings - ranked by what a point is actually worth.
How We Rank the Best Credit Cards for Hotels
Cards are ordered by the effective return of the published earning rate for this spending category. Creddy combines the multiplier with the catalog value assigned to the card's reward currency. Estimates do not guarantee redemption value or approval.
Read the full methodologyBest Credit Cards for Hotels in 2026
Best No-Annual-Fee Card for Hotels
The top-ranked card, the Choice Privileges, has no annual fee: 10x points ≈ 7.5% back (0.75¢/pt). See its benefits.
What to Look for in a Hotels Credit Card
Compare annual fees, earning caps, portal requirements, benefit restrictions, and the rewards you can realistically redeem. The top mathematical return is not automatically the best card for every user.
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Hotels Credit Card FAQs
What is the best credit card for hotels?
Choice Privileges leads Creddy's hotels catalog ranking, followed by Choice Privileges Select and United Club. The ranking estimates return using catalog rates and reward values; check eligible merchants, caps and portal rules before assuming that rate applies to your spending.
What should I look for in a credit card for hotels?
Look at the earning rate on hotels, the value of the reward currency, spending caps, whether purchases must go through a portal, and the annual fee. A card with a slightly lower rate but no fee can win if you spend modestly on hotels. Include interest and other charges if you carry a balance.
Do no-annual-fee cards work well for hotels?
Yes, often. If you spend a moderate amount on hotels, a no-annual-fee card with a solid category rate can beat a premium card once the fee is subtracted. Compare net value: rewards earned minus the annual fee. Include interest and other charges if you carry a balance.
How should I interpret Creddy's hotels rewards ranking?
Choice Privileges leads Creddy's hotels catalog ranking, followed by Choice Privileges Select and United Club. The ranking estimates return using catalog rates and reward values; check eligible merchants, caps and portal rules before assuming that rate applies to your spending.
How much can I earn back on hotels with the right card?
Multiply your eligible annual spending by the rate that actually applies, then use a realistic redemption value for points or miles. Subtract annual fees and extra costs and account for caps; the catalog estimate is not a guaranteed cash return. Include interest and other charges if you carry a balance.
What is the best no-annual-fee card for hotels?
The top-ranked card, the Choice Privileges, has no annual fee: 10x points ≈ 7.5% back (0.75¢/pt). A no-fee card can come out ahead when your spending in this category is modest, because there is no fee to earn back. Check eligible merchants, caps and portal rules before relying on that rate.