Best Credit Card for Hotels
Compare the top credit cards for hotel stays and lodging and find which one earns the most rewards.
Hotel stays earn the highest rates on co-branded hotel cards (10x+ through the hotel's portal) but lose flexibility. General travel cards earning 3–5x on hotels with transferable points often provide better overall value for travelers who stay at multiple brands.
Top Pick
More Good Options
U.S. Bank FlexPerksU.S. Bank Altitude Reserve Visa Infinite10xpts/dollar10.0%return10x on Prepaid Hotels (Travel Center)
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AAdvantageAadvantage Globe Mastercard6xpts/dollar9.0%return6x on Eligible AAdvantage Hotels Bookings
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IHG One RewardsIHG One Rewards Premier Credit Card10xpts/dollar7.0%return10x on IHG Hotels and Resorts
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United MileagePlusUnited Quest5xpts/dollar6.5%return5x on Prepaid Hotel Stays (Renowned Hotels)
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Rewards Calculator
Enter a monthly spend amount above to see estimated annual rewards per card.
Common Questions
What is the best credit card for Hotels?
The Credit One Bank Wander American Express Card is currently the top pick for hotel stays and lodging, earning 10x points per dollar — an effective 10.0% return.
How many points do you earn on Hotels purchases?
The top-rated card for hotel stays and lodging, the Credit One Bank Wander American Express Card, earns 10x per dollar — an effective return of 10.0%.
Is there a no-annual-fee card that earns rewards on Hotels?
Most high-earn-rate cards for Hotels carry an annual fee. The options above show which fee is worth it at different spending levels.
Is a premium card worth the annual fee for Hotels spending?
The U.S. Bank Altitude Reserve Visa Infinite ($400/yr) earns 10x on hotel stays and lodging. If you spend $333/month or more on hotels, the rewards offset the annual fee — before counting travel credits and other perks.
Which card earns the most if I spend $500 per month on Hotels?
Credit One Bank Wander American Express Card: $600/yr, U.S. Bank Altitude Reserve Visa Infinite: $600/yr, Aadvantage Globe Mastercard: $540/yr. The Credit One Bank Wander American Express Card earns the most at $500/month.
Do rotating category cards earn on Hotels?
Some cards — like Chase Freedom Flex and Discover it — occasionally feature hotels as a 5% bonus category for one quarter per year. Year-round, a dedicated hotels card typically outperforms rotating category cards since you can't always count on the bonus.