Hotel credit cards can help you earn more than just rewards when you make hotel bookings. Some of the best hotel credit cards include additional perks such as free nights, upgrades, complimentary breakfast, and other less-known benefits. We have carefully analyzed the fine print of many of the top hotel and travel credit cards to put together a selection of the best hotel credit cards in America this season.

Best Hotel Credit Cards - GET.com's 2017 Picks

Best ForCredit Card
Signing BonusHilton Honors™ Surpass® Card from American Express
Marriott HotelsMarriott Rewards® Premier Credit Card
Starwood HotelsStarwood Preferred Guest® Credit Card
Travel RewardsCiti Prestige® Card

If you frequently stay at hotels, getting a hotel credit card may be well worth it.

Here's Our Pick Of The 7 Best Hotel Credit Cards

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Limited Time Offer
Hilton Honors™ Surpass<sup>®</sup> Card from American Express

Hilton Honors™ Surpass® Card from American Express

Limited Time Offer
APPLY NOWAt American Express' secure website
Hilton Honors™ Surpass<sup>®</sup> Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.60/5
  • Your Rating:
Rate This Card
  • Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months. Offer Ends 5/31/17.
  • Earn a free weekend night on your anniversary date of Card approval. Some hotels may have mandatory services and resort charges. Terms Apply.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
  • As a Hilton HonorsTM Surpass® Card Member you'll receive Hilton Honors Gold status.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

15.99%-19.99% Variable

$75

Why we like it
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • As a Hilton HonorsTM Surpass® Card Member you'll receive Hilton Honors Gold status.
We least like
  • No introductory low APR.
Good/Excellent

Hilton Honors™ Surpass® Card from American Express, a GET.com advertiser, now has a limited time offer (ends 5/31/17) of 100,000 Hilton Honors™ Bonus Points after you spend $3,000 in purchases to the Card within your first 3 months of Card Membership. When you use this card to pay you earn 6X Hilton Honors Bonus Points for each $1 of eligible purchases at U.S. gas stations, U.S. restaurants and U.S. supermarkets charged to your Card, and 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. But the best part is that you earn 12X Hilton Honors Bonus Points for every $1 of eligible purchases charged to your Card directly with a participating hotel or resort within the Hilton portfolio. That makes this a very rewarding card to use if you stay at Hilton group hotels regularly. Terms and limitations apply. As a Hilton Honors™ Surpass® Card from American Express Card Member, you get Hilton Honors Gold status, which entitles you to many special privileges and a 25% bonus on all the Honors Base Points you earn. If you charge $40,000 on eligible purchases on your Card in a calendar year, you can earn Honors Diamond status through the end of the next calendar year (additional privileges and a 50% bonus on all the Honors Base Points you earn). Terms apply. This high-end Hilton credit card has a reasonably low $75 annual fee.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Marriott Rewards<sup>®</sup> Premier Credit Card

Marriott Rewards® Premier Credit Card

APPLY NOWAt Chase's secure website
Marriott Rewards<sup>®</sup> Premier Credit Card
  • Our Rating:
  • Our Rating:
  • 4.50/5
  • User Rating:
  • 2.00/5
Rate This Card
  • Earn 100,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Plus, earn 7,500 bonus points when you add the first authorized user and make a purchase in the first 3 months from account opening.
  • Enjoy 1 Free Night Stay at a Category 1-5 hotel every year after your account anniversary date!
  • Earn unlimited Marriott Rewards points and get Free Night Stays faster
  • Earn 5 points per $1 spent at participating Marriott Rewards & SPG hotels
  • 2 points per $1 spent on airline tickets purchased directly with the airlines, at car rental agencies & restaurants. Plus 1 point per $1 spent everywhere else
  • The fastest way to earn Marriott Rewards Elite Status. Receive 15 Elite Credits guaranteeing Silver Elite Status or better.
  • All for an $85 Annual Fee
APPLY NOWAt Chase's secure website

N/A

16.74% - 23.74% Variable

$85

Why we like it
  • Enjoy 1 Free Night Stay at a Category 1-5 hotel every year after your account anniversary date!
  • Earn 100,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening.
We least like
  • $85 Annual Fee.
Excellent

Marriott Rewards® Premier Credit Card, issued by JPMorgan Chase (JPM). You can earn 100,000 bonus points after spending only $5,000 within the first 3 months of account opening. Earn 5 points per $1 spent at Marriott and SPG locations. Earn 2 points on restaurants, airline tickets purchased directly with airlines, and car rental purchases made at car rental agencies. You will earn 1 point per $1 spent on your other purchases. $85 annual fee. Global chip and signature technology. No foreign transaction fees.

Added perks: You can use the 100,000 bonus points earned towards up to 13 free nights at a category 1 Marriott hotel. You will receive 1 additional free night stay at a category 1-5 location after your account anniversary date each year. You receive 15 Elite Credits every year after your account anniversary, which guarantees Silver Elite Status and can help you achieve Gold Elite Status. You also earn 1 Elite Credit for every $3,000 of purchases charged to this card.

Check the other benefits and perks in our full review of Marriott Rewards® Premier Credit Card here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Hilton Honors™ Card from American Express

Hilton Honors™ Card from American Express

APPLY NOWAt American Express' secure website
Hilton Honors™ Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.50/5
  • Your Rating:
Rate This Card
  • Limited Time Offer: Earn 80,000 Hilton HonorsTM Bonus Points after you spend $2,000 in purchases on the Card within your first 3 months of Card Membership. Offer ends 05/31/2017.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
  • Enjoy complimentary Silver status with your Hilton HonorsTM Card.
  • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Gold status through the end of the next calendar year.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

15.99%-19.99% Variable

$0

Why we like it
  • Enjoy complimentary Silver status with your Hilton HonorsTM Card.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
Excellent

Hilton Honors™ Card from American Express, a GET.com advertiser, has a limited time bonus offer that lets you earn 80,000 Hilton Honors™ Bonus Points after charging purchases worth $2,000 or more to this Card in your first 3 months of Card Membership (offer ends 05/31/2017). When you use this card to pay for purchases you earn 7X Hilton Honors Bonus Points for each $1 of eligible purchases made directly with participating hotels or resorts within the Hilton Portfolio and charged to your Card. You also earn 5X Hilton Honors Bonus Points for every dollar you spend (using your Card) on eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. You earn 3 Hilton Honors Bonus Points per $1 for all other eligible purchases you charge to this Card. You enjoy complimentary Silver status, as long as you are a Hilton Honors™ Card member. When you spend $20,000 on eligible purchases using your Card in one calendar year, you can enjoy Honors Gold status right through the end of the next calendar year. Benefits include complimentary travel accident insurance, a baggage insurance plan, return protection and car rental loss and damage insurance. Terms Apply. This card has no annual fee.

Added perks: Redeem your points for stays at participating hotels in the Hilton portfolio in location all over the world. The Honors Silver status which you get with this card entitles you to a 15% bonus on Honors Base Points earned, every 5th night free on standard room reward stays of 5 nights or more, and many more Hilton privileges.

Read the full review of Hilton Honors™ Card from American Express to see the full list of pros and cons.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Starwood Preferred Guest<sup>®</sup> Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

APPLY NOWAt American Express' secure website
Starwood Preferred Guest<sup>®</sup> Credit Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.30/5
  • Your Rating:
Rate This Card
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • Rates & Fees
APPLY NOWAt American Express' secure website

N/A

15.99%-19.99% Variable

$0 introductory annual fee for the first year, then $95.

Why we like it
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
Good/Excellent

Starwood Preferred Guest® Credit Card from American Express, a GET.com advertiser, lets you earn 25,000 bonus Starpoints® after you spend $3,000 in purchases with your card within the first 3 months of account opening. You can earn up to 5 Starpoints® per dollar spent on eligible purchases. Earn 1 Starpoint® per dollar spent on other eligible purchases. $0 annual fee for the first year, then $95. Terms apply.

Added perks: You can redeem your Starpoints for nights at over 1,300 Starwood hotels & resorts in nearly 100 countries and for free plane tickets on over 150 airlines with SPG Flights and there are no blackout dates. Benefit from Car Rental Loss and Damage Insurance, Travel Accident Insurance, Roadside Assistance Hotline and Global Assist® Hotline. Enjoy complimentary in-room internet at participating SPG locations. You will also enjoy many more travel, entertainment and shopping perks.

Find out more in our review of Starwood Preferred Guest® Credit Card from American Express here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Citi Prestige<sup>®</sup> Card

Citi Prestige® Card

APPLY NOWAt Citi's secure website
Citi Prestige<sup>®</sup> Card
  • Our Rating:
  • Our Rating:
  • 4.40/5
  • Your Rating:
Rate This Card
  • Earn 40,000 bonus points after $4,000 in purchases made with your card in the first 3 months the account is open.
  • $250 Air Travel Credit each year, and receive a statement credit, up to $100 every 5 years, as reimbursement for your application fee for Global Entry or TSA Pre Check
  • 4th night hotel benefit for any hotel stay at hotels booked through the Citi Prestige® Concierge
  • Earn 40,000 bonus points after $4,000 in purchases made with your card in the first 3 months the account is open.
  • Points are redeemable for a $532 flight on any airline or $400 in gift cards.
  • Transfer points to a variety of travel loyalty programs from airlines to hotels.
  • Earn 3x points on Air Travel and Hotels
  • Earn 2x points on Dining at Restaurants and Entertainment
  • 1 ThankYou® Point per $1 spent on other purchases
APPLY NOWAt Citi's secure website

N/A

15.99%* (Variable)

$450

Why we like it
  • Earn 40,000 bonus points after $4,000 in purchases made with your card in the first 3 months the account is open.
We least like
  • Annual fee.
  • No low intro APR offered.
Excellent

Citi Prestige® Card is a prestigious travel rewards credit card for cardholders with excellent credit. Earn 40,000 bonus points after making $4,000 in purchases within the first 3 months of account opening. You will also receive $250 Air Travel Credit each year as well as complimentary access to hundreds of VIP Priority Pass Select lounges and nearly 40 American Airlines Admirals Club® lounges. Other travel benefits include a $100 Global Entry application fee credit, lost/delayed baggage protection, travel insurance coverage, Citi Prestige® Global Concierge, and more. Earn 3 points per $1 spent on hotel and air travel purchases, 2 points per $1 on restaurant dining and entertainment purchases, and 1 ThankYou Point per $1 on your other purchases. If you spend a lot in these categories this may be a rewarding card for you. Thanks to the Points Transfer benefit, you can transfer your ThankYou Points to your Hilton Honors loyalty program account and get 1,500 Hilton Honors™ points for every 1,000 ThankYou Points you transfer. Travel with ease with chip-based technology and no foreign transaction fees. This card has a $450 annual fee.

Added perks: Enjoy a free 4th night every time you book a hotel stay (of at least four consecutive nights) through Carlson Wagonlit Travel and pay with this card.

Read our review of Citi Prestige® Card to find out more.

Is A Hotel Credit Card The Only Card I Need?

It's always a good idea to have a few different credit cards in order to maximize each card's rewards on different types of purchases. So in addition to a good hotel credit card, you might want to get a good travel card, or a good airline card.

If you are a frequent traveler you can check our selection of top airline credit cards to find the best cards that offer maximum rewards, miles, points and travel perks.

If you're not sure what kind of card is right for you, take a look at this list of our top rated credit cards to discover some of the high-benefit credit cards available in 2017!

Hotel Credit Cards: What Do They Offer?

Travel is something that most of us enjoy. Even those of us who don't enjoy traveling for fun still find ourselves traveling on business or visits. In today's world, families and friends often end up living hundreds or even thousands of miles apart. It makes sense that many of us spend the night at a hotel at least once a year.

Travel and tourism is one of the top 10 industries in the US, and a major employer. More than 1.86 million workers are employed by US hotels. Collectively the hotel industry generated $163 billion in sales in 2013. (Source: American Hotel & Lodging Association).

Hotel credit cards let you earn rewards that can be redeemed towards hotel stays. Most big hotel groups issue their own credit cards with benefits for loyal customers. But there are also more flexible travel credit cards issued by financial services providers like Chase, Capital One, Citi and Discover Financial Services which let you earn travel rewards that you can redeem for stays at many different hotels.

Most hotel-branded credit cards offer at least some special privileges that can benefit you when you stay at corresponding hotels.

In many cases, you will automatically receive membership in a high customer loyalty program tier. Some cards let you move to higher tiers if you use them in a certain way - for example, by spending a certain amount of money on purchases with your card every year.

A higher customer loyalty tier can give you benefits like complimentary breakfast, spa and wellness access, room upgrades, late checkout and more. Here I list some of the benefits you get with a higher tier status at major hotel groups.

Hilton Honors

The Blue Tier

This tier lets you check-in, customize your stay and choose your room up to 24 hours in advance, right from your mobile device.

You also get complimentary in-room and lobby Standard Internet access during stays at these hotels:

  • Waldorf Astoria™ Hotels & Resorts
  • Conrad® Hotels & Resorts
  • Curio - A Collection by Hilton
  • Hilton Hotels & Resorts
  • DoubleTree by Hilton™
  • Canopy™ by Hilton
  • Embassy Suites Hotels™
  • Hilton Grand Vacations™

Other perks include express checkout, late checkout (subject to availability when you request this), and free stays for a second guest in your room on qualifying stays at hotels that would normally add additional charges for double occupancy.

The Silver Tier

This tier gives you really rewarding privileges like a 15% bonus on all the Honors Base Points you earn, and every 5th night free when you redeem points for standard room reward stays of 5 nights or more. You can get up to 4 free nights for a 20 night stay.

You also get complimentary access to hotel-operated fitness centers and health clubs. On top of these perks, you also enjoy the benefits of the blue tier.

The Gold Tier

You can enjoy the benefits of this tier by earning either 20 stays every calendar year, 40 nights every calendar year, or 75,000 Honors Base Points every calendar year to maintain this status.

As well as the privileges that the blue and silver tiers give you, this gold tier gives you a 25% bonus on all the Honors Base Points you earn, so you can earn points 25% faster. You will also get the following privileges when you stay at different hotels within the Hilton portfolio:

Waldorf Astoria Hotels & Resorts

  • Space-available upgrade to a preferred room
  • 1,000 Honors Bonus Points per stay or one in-room movie per stay

Conrad® Hotels & Resorts, Curio - A Collection by Hilton, Hilton Hotels & Resorts, DoubleTree by Hilton

  • Enjoy an upgrade to a preferred room (if available)
  • Earn 1,000 Honors Bonus Points per stay or benefit from a complimentary continental breakfast for you (and up to one additional guest registered in the same room) each day of your stay

Embassy Suites Hotels

  • Earn 500 Honors Bonus Points per stay or enjoy 2 snack or refreshment choices each stay

Hilton Garden Inn

  • You can choose to earn 750 Honors Bonus Points per stay, or if you prefer, you can get a complimentary Hot Cooked-to-Order Breakfast each day of your stay (for you and up to one additional guest registered to the same room)

Hampton

  • Earn 250 Honors Bonus Points each stay or enjoy a complimentary choice of a non-alcoholic beverage and a snack

Homewood Suites by Hilton

  • Earn 250 Honors bonus points per stay or get Pepperidge Farm cookies and two complimentary bottles of water per stay

Home2 Suites by Hilton

  • Earn 100 Honors Bonus Points per stay or get a complimentary choice of snack & bottled water per stay

Hilton Grand Vacations

  • Earn 1,000 Honors Bonus Points per stay

The Diamond Tier

To achieve the Honors Diamond status, you need to earn 30 stays in a calendar year, or 60 nights in a calendar year, or 120,000 Honors Base Points in a calendar year. You have to meet these requirements every year to maintain this status, but in return you get some exclusive perks.

To start off, you get a 50% bonus on all the Honors Base Points you earn. That means you can earn points 50% faster. When you make a reservation at least 48 hours prior to your arrival, you are guaranteed a room (although some restrictions apply).

You also get a complimentary breakfast for you and 1 additional guest when you stay at Conrad® Hotels & Resorts, Curio - A Collection by Hilton, Hilton Hotels & Resorts, DoubleTree by Hilton™ (plus you still get 1,000 Honors Bonus Points per stay). You also get executive floor lounge access at these hotels, where available. You will also enjoy exclusive benefits like these at other hotels within the Hilton portfolio.

Add to that all of the perks you get with the blue, silver and gold tiers and you should have a pretty pleasant hotel stay.

Marriott Rewards Member Benefits

Marriott Rewards Member

This is the most basic tier. Marriott gives you 5th redemption night free right off the hilt with this entry-level status. You also earn up to 10 Marriott Rewards points per $1 you spend at participating properties. With RewardsPlus you can get a 20% discount when converting points to miles. You also get free wifi in your room, which is a good plus.

Silver Elite Status

This is a major upgrade that gives you Priority late checkout and 20% bonus on points for stays. You will also benefit from special discounts with this status, including weekend discounts and gift shop discounts. You get all the benefits from the basic tier (Marriott Rewards Member) as well.

Gold Elite Status

This tier gives you a 25% bonus on points for stays. You also get a lot of more exclusive benefits. For example, you get guaranteed lounge access/breakfast for members and one guest (except at resorts), complimentary room upgrades, complimentary enhanced internet service, guaranteed room type, Hertz #1 Gold membership, free local phone and local fax, and discounted long-distance phone calls. You also get the benefits of the silver and basic tier.

Platinum Elite Status

This tier gives you the benefits of the gold tier plus 48-hour guaranteed availability, complimentary MileagePlus® Premier Silver status (United Airlines frequent flyer program) with RewardsPlus, a dedicated platinum reservation line and a 50% bonus on points for stays. Those are some pretty sweet benefits.

A hotel credit card can make it easy to achieve a rewarding tier even if you can't afford to stay at hotels very often. On top of that perk, most hotel cards also come with bonus offers. These bonus offers can help you get complimentary hotel stays for big savings.

How We Rate Hotel Credit Cards

At GET.com we rate hotel credit cards based on value for money. We look at how you earn bonus offers and rewards, and how you can redeem them. The amount of points or cash back that you can earn per purchase also plays a big role in the card's rating.

Cards are also rated based on hotel benefits like loyalty program status upgrades, hotel savings and privileges, hotel credits, free hotel stays, and other hotel perks.

We take into account how flexible rewards and benefits are and ask the following questions when rating hotel cards:

- Can you earn rewards on everyday spending or only at specific hotel groups?
- Can you redeem rewards for many different kinds of spending or only when you spend at specific hotels?
- Can you benefit from free hotel nights at any hotel or only at hotels in a specific group? - Can you redeem rewards for any hotel or travel bookings, or only for bookings with one hotel company?

Cards that offer more flexibility in the way you earn and redeem rewards will usually receive a higher GET.com rating.

Other important factors that influence ratings include annual fees, annual fee waivers, APR, introductory APR periods, travel benefits, foreign transaction fees, chip technology, payment network availability and unique card benefits.