Best hotel credit cards of 2025

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42 partner offers

[TEST] Citi Rewards+^® Card

Intro bonus:	Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Ongoing APR:	17.74% - 27.74% (Variable)
Rewards:	5% (cash back)
Annual Fee:	$0

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Rates and fees

Need help deciding?When comparing hotel rewards credit cards, consider these factors before applying.

Annual percentage rate (APR)

The APR on credit cards is simply the interest rate the card issuer charges when you don’t pay off your balance in full each month—it doesn’t include the card’s annual fees or other fees you may be charged for using your card. There are several types of APR that can apply to credit cards including purchase, balance transfer and cash advance.

Intro bonus

A credit card intro bonus, also called a welcome bonus, is a benefit that credit card issuers offer new cardholders when they're approved for the new card. While some intro bonuses offer automatic rewards upon approval, most require you to spend a certain amount on eligible purchases in a given timeframe to qualify. Look for cards with a high intro bonus and a low spending requirement.

Rewards

Hotel rewards credit cards reward you with points redeemable for free nights in certain hotels, or for other travel costs. Look for a hotel rewards credit card that offers the most points for the spending you already do.

Annual fee

Some credit cards have an annual fee which you'll pay when you first receive the card and at each cardholder anniversary. Take the cost of an annual fee into account when considering which options will benefit you the most over the course of a year.

The World Of Hyatt Credit Card

Ongoing APR:	17.99% - 24.99% Variable
Rewards:	N/A*
Annual Fee:	$95

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[TEST] Discover it^® chrome

Intro bonus:	Earn
Intro APR:	0% on Purchases and Balance Transfers for 14 months
Ongoing APR:	14.24% - 25.24% Variable
Rewards:	1%-2% (cash back)
Annual Fee:	$0

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Terms Apply

Rates and fees

[TEST] SAMU-1732-X01-01

Intro bonus:	^100-update
Intro APR:	^{2.5%-update Apr Intro}
Ongoing APR:	^{4.5%-update Apr Standard}
Rewards:	Cashbackx ( per dollar)
Annual Fee:	^20-update0

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Rates and fees

[TEST] Capital One Venture X Rewards Credit Card

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	21x (Points per dollar)
Annual Fee:	$395

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Rates and fees

One Key+™ Card

Intro bonus:	N/A*
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	N/A*
Annual Fee:	$99

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Rates and fees

[TEST] Capital One Venture Rewards Credit Card - update

Intro bonus:	75,000 Miles once you spend $4,000 on purchases within 3 months from account openingv
Ongoing APR:	19.99% - 29.49% (Variable)v
Rewards:	N/A*
Annual Fee:	$950

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Rates and fees

USAA Credit Card

Intro bonus:	Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	1x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

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Ongoing APR:	field_roa_apr_standard
Rewards:	N/A*
Annual Fee:	field_roa_annual_fee_000

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Rates and fees

One Key™ Card

Intro bonus:	Limited Time Offer: Earn $400 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

(5 reviews)

One Key™ Card

Intro bonus:	Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

LEND714 Citi^® / AAdvantage^® Gold World Elite™ MasterCard^®

Ongoing APR:	16.49% - 24.49% Variables
Rewards:	1%-5-8% (cash back)
Annual Fee:	$50 (waived for the first 12 months)

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Hilton Honors American Express Card

Ongoing APR:	17.99%-26.99% Variable
Rewards:	N/A*
Annual Fee:	N/A*

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Rates and fees

Bank of America^® Travel Rewards credit card

Intro bonus:	110$
Intro APR:	0% on Purchases and Balance Transfers for 15 billing cycles
Ongoing APR:	18.24% - 28.24% Variable
Rewards:	10x (Points per dollar)
Annual Fee:	$0

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Rates and fees

(350 reviews)

Capital One Venture Rewards Credit Card

Intro bonus:	75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	2x-5x (Miles per dollar)
Annual Fee:	$95

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Rates and fees

(349 reviews)

Chase Sapphire Preferred^® Card

Intro bonus:	Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Ongoing APR:	19.99% - 28.24% Variable
Rewards:	1x-5x (Points per dollar)
Annual Fee:	$95

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(83 reviews)

Hilton Honors American Express Surpass^® Card

Intro bonus:	Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 8/13/2025.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	3x-12x (Points per dollar)
Annual Fee:	$0 intro annual fee for the first year, then $150.

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Terms Apply

Rates and fees

(1349 reviews)

Capital One VentureOne Rewards for Good Credit

Ongoing APR:	29.74% (Variable)
Rewards:	1.25x-5x (Miles per dollar)
Annual Fee:	$0

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Rates and fees

(2974 reviews)

Capital One Savor Cash Rewards Credit Card

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1%-8% (cash back)
Annual Fee:	$0

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Rates and fees

(2917 reviews)

Capital One Quicksilver Cash Rewards Credit Card

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1.5%-5% (cash back)
Annual Fee:	$0

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Rates and fees

(36 reviews)

Capital One Venture X Rewards Credit Card

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	2x-10x (Miles per dollar)
Annual Fee:	$395

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Rates and fees

One Key™ Card

Intro bonus:	Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	1.5x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

(28 reviews)

Marriott Bonvoy Brilliant^® American Express^® Card

Intro bonus:	Earn up to 150,000 Marriott Bonvoy^® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	2x-6x (Points per dollar)
Annual Fee:	$650

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Terms Apply

Rates and fees

(561 reviews)

Credit One Bank^® Wander^® American Express^® with Dining, Gas & Travel Rewards

Ongoing APR:	29.49% Variable
Rewards:	1x-10x (Points per dollar)
Annual Fee:	$95

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Terms Apply

Rates and fees

[TEST] Capital One Venture X Rewards Credit Card

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	21x (Points per dollar)
Annual Fee:	$395

View details

Rates and fees

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Ongoing APR:	field_roa_apr_standard
Rewards:	N/A*
Annual Fee:	field_roa_annual_fee_000

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Rates and fees

(2 reviews)

One Key+™ Card

Intro bonus:	Earn $400 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	2x-3x (Points per dollar)
Annual Fee:	$99

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Rates and fees

Citi Strata℠ Card

Intro bonus:	Earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1x-10x (Points per dollar)
Annual Fee:	$0

Apply View details

Rates and fees

(27 reviews)

Chase Sapphire Reserve^®

Intro bonus:	Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Ongoing APR:	20.24% - 28.74% Variable
Rewards:	1x-3x (Points per dollar)
Annual Fee:	$550

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(40 reviews)

Citi Strata Premier^® Card

Intro bonus:	Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Ongoing APR:	20.24% - 28.24% (Variable)
Rewards:	1x-10x (Points per dollar)
Annual Fee:	95

Apply View details

Rates and fees

One Key+™ Card

Intro bonus:	Limited Time Offer: Earn $600 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	2x-3x (Points per dollar)
Annual Fee:	$99

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Rates and fees

(5 reviews)

Marriott Bonvoy Bevy^® American Express^® Card

Intro bonus:	Earn up to 135,000 Marriott Bonvoy^® bonus points. Earn 85,000 points after you spend $5,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	2x-6x (Points per dollar)
Annual Fee:	$250

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Terms Apply

Rates and fees

Citi Strata Elite℠ Card

Intro bonus:	Earn 80,000 bonus Points after spending $4,000 in the first 3 months of account opening
Ongoing APR:	21.24% - 29.24% (Variable)
Rewards:	1x-10x (Points per dollar)
Annual Fee:	595

Apply View details

Rates and fees

One Key+™ Card

Intro bonus:	Earn $400 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia^®, Hotels.com^® and Vrbo^®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Ongoing APR:	XX.XX%, XX.XX%, or XX.XX% Variable APR
Rewards:	2x-3x (Points per dollar)
Annual Fee:	$99

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Rates and fees

[TEST] Marriott Bonvoy Brilliant^® American Express^® Card

Intro bonus:	Earn 95,000 Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Ongoing APR:	20.99%-29.99% Variable
Rewards:	x ( per dollar)
Annual Fee:	$650

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Rates and fees

[TEST] Capital One Venture X Rewards Credit Card TESTV6

Intro bonus:	75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	40x-50x (Miles per dollar)
Annual Fee:	$395

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Rates and fees

[TEST] Capital One Venture Rewards Credit Card

Intro bonus:	75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Ongoing APR:	19.99% - 29.24% (Variable)
Rewards:	5% (cash back)
Annual Fee:	$95

View details

Rates and fees

USAA Credit Card

Intro bonus:	Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Ongoing APR:	19.24%, 24.24%, or 29.24% Variable APR
Rewards:	1x-3x (Points per dollar)
Annual Fee:	$0

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Rates and fees

(1599 reviews)

Capital One VentureOne Rewards Credit Card

Intro bonus:	20,000 Miles once you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.24% - 29.24% (Variable)
Rewards:	1.25x-5x (Miles per dollar)
Annual Fee:	$0

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Rates and fees

[TEST] Capital One Quicksilver Cash Rewards Credit Card TESTV6

Intro bonus:	$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR:	0% on Purchases and Balance Transfers for 15 months
Ongoing APR:	19.99% - 29.99% (Variable)
Rewards:	7% (cash back)
Annual Fee:	N/A

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Rates and fees

[TEST] SAMU-1600-001

Intro bonus:	Intro bonus
Intro APR:	11
Ongoing APR:	111
Rewards:	1% (Cash Rewards)
Annual Fee:	1111

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Short Disclaimer

Rates and fees

(674 reviews)

Hilton Honors American Express Card

Intro bonus:	Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express^® Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
Ongoing APR:	20.24%-29.24% Variable
Rewards:	3x-7x (Points per dollar)
Annual Fee:	$0

View details

Terms Apply

Rates and fees

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

How to find the best hotel credit card

Know your FICO^® Score

Hotel cards often require good to excellent credit—at least 670.

Consider hotel loyalty

If you often stay at one hotel, you may want to get their card.

Choose your benefits

Find a card that offers the perks you’ll use the most.

Start with your FICO^® Score^Θ and see card offers matched to your credit profile.

Get started for free

Frequently asked questions

Hotel rewards are benefits that you get for booking through a hotel's loyalty program. They can include cash back or points that you can redeem for free nights in the hotel and other perks. Hotel rewards programs also offer benefits like complimentary breakfast, access to exclusive hotel or resort lounges, upgraded rooms and more. You can think of hotel rewards as a type of currency that you can use to pay for goods and services at the hotel chain.

Hotel credit cards come in two different forms.

Co-branded hotel credit cards are credit cards offered by a specific hotel, such as Hilton or Marriott. These cards are designed to offer exclusive perks through the hotel's loyalty program, and can reward you with free nights, lounge access, complimentary breakfast and the like.
General hotel credit cards are rewards credit cards that offer cash back, points and miles that you can redeem for hotel stays and other goods and services at hotels. These are also often called travel rewards cards, because they end to offer high rewards ratios for hotels and airlines, as well as travel insurance and sometimes no foreign transaction fees.

Hotel points can expire, but if and when they expire depends on the specific hotel loyalty program. Points earned with hotel loyalty programs can often expire due to inactivity, so ensuring you're continuing to earn and redeem points can help you avoid their expiration. Check the policies of the specific hotel rewards credit card or loyalty program to ensure you're in the loop on how long you have to redeem your rewards.

How much a hotel point is worth varies between different hotel loyalty programs. Typically, you can think of a hotel point as being worth just under one cent. But, again, this varies: World of Hyatt points, for instance, are worth 1.7 cents apiece on average, while Hilton Honors points give you just 0.6 cents each. So if you have 50,000 points with both programs, they're worth $850 with one and $300 with the other.

Hotel incidentals are charges that you incur while staying at a hotel and that aren't the basic rate you pay for the hotel room itself. Hotel incidental charges can include room service, restaurant tabs, internet access, drinks from the minibar, spa treatments and parking. If you're strategizing the get the most out of your hotel rewards credit card, keep this in mind: You can typically charge your incidentals to your room, rather than paying for them individually. Then, when you check out, you'll earn cash back or points at your credit card's rate for hotel rooms. That can help you get the most out of your spending.

Credit score requirements vary between hotel credit cards. Often, hotel cards will require you to have good or excellent credit to qualify. That means you'll need a FICO^® Score of 670 or higher. Before you weigh the benefits of specific hotel credit cards, check your credit report and score through Experian. If your credit score needs improvement, learn about how to build credit before you apply to ensure you get the credit card with the benefits you want.

You may be able to transfer your hotel rewards points to a different program, depending on the policies of the specific hotel loyalty program. That said, you won't typically get the best deal this way. If possible, you'll likely get the highest value out of your points if you redeem them through the program where you earned them. But check the individual hotel's policies to determine how you'll get the best return. Some hotels allow you to transfer your rewards to airline partners at a decent rate.

Whether a hotel rewards credit card is worth it or not comes down to how much value you would personally get out of the card. If you travel frequently for work or pleasure, a hotel credit card could be a strong financial tool for you because you'll get rewarded generously on the spending you're already doing. On the other hand, if you travel less frequently, consider a rewards credit card with a high flat-rate cash back or points structure, or one that has generous rewards in the categories you plan to spend the most in, such as groceries, dining and travel.

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Best hotel credit cards of 2025

Browse categories

All hotel credit cards

42 partner offers

Annual percentage rate (APR)

Intro bonus

Rewards

Annual fee

How to find the best hotel credit card

Know your FICO® Score

Consider hotel loyalty

Choose your benefits

Frequently asked questions

What are hotel rewards?

How do hotel credit cards work?

Do hotel points expire?

How much is one hotel point worth?

What is a hotel incidental?

What credit score do I need for a hotel credit card?

Can you transfer hotel rewards points?

Are hotel rewards credit cards worth it?

Learn more about credit cards

Know your FICO^® Score