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Two people can book the same exact hotel room for the same exact price but have totally different experiences. One person may end up in an upgraded room on a high floor in a corner, with extra space and a couch, all while enjoying free breakfast and premium internet, earning a ton of extra points, checking in early, and checking out late.
The other person might get a fine standard room, maybe on a lower floor next to the elevator. Basic internet might be included, but if that person plans to use it heavily for work or streaming, they may want to pay a few dollars a day to upgrade to premium. The breakfast buffet is $20 per person, and late checkout isn’t available, even for a fee — although the hotel is happy to hold their bags until their late flight.
These two people booked the same exact room using identical booking methods (directly with the hotel). So what gets the first person here such better treatment?
The answer: Elite status. And you don’t need to spend dozens of nights on the road each year to earn it; some credit cards will grant you status just for having an account in good standing. Read on to see which of the best hotel credit cards offer these free benefits, as well as what you can get when you hold one.
Insider’s Featured Rewards Credit Cards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.
60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening
20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Table of Contents
Marriott and Hilton Elite Status
The Platinum Card® from American Express
Intro offer
80,000 Membership Rewards® Points after spending $6,000 on purchases in the first six months from account opening
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
The Platinum Card® from American Express
Intro offer
80,000 Membership Rewards® Points after spending $6,000 on purchases in the first six months from account opening
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
On American Express’s website
The Platinum Card® from American Express
Details
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Annual Fee
$695
See Rates and Fees
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Intro offer
80,000 Membership Rewards® Points after spending $6,000 on purchases in the first six months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
See Pay Over Time APR
Intro Annual Percentage Rate (APR)
N/A
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
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If you’re not too particular about which hotel brand you stay at, The Platinum Card® from American Express
could be the perfect option. That’s because it offers complimentary elite status at two major chains** — Hilton and Marriott — that together offer more properties than any other brand.
At Hilton, Platinum Card cardholders who enroll their accounts get complimentary Gold level status. This mid-tier status is particularly valuable at Hilton, including free breakfast or a food and beverage credit at most hotels, room upgrades and late checkout subject to availability, a fifth reward night for free any time you stay for four nights using points, an 80% bonus on points earned during paid stays, free water bottles in-room, and more.
Platinum Card members also get Gold status at Marriott when they enroll, although Gold perks at this brand are slightly different. You’ll get a room upgrade at check-in when it’s available, as well as check-out time as late as 2 p.m., complimentary premium internet, a 25% bonus on earned points, and a small welcome gift of bonus points.
Finally, for independent hotels, Platinum cardholders can book through Amex’s Fine Hotels & Resorts program to get perks at a ton of different properties. In addition, cardholders receive up to $200 per calendar year in credits toward prepaid hotels that are part of Fine Hotels & Resorts or The Hotel Collection (with a minimum of a two-night stay).
The Platinum Card comes with plenty of other perks too, including access to airport lounges, up to $200 a year in Uber Cash credits**, up to an annual $200 airline fee credit**, up to $100 annually in Saks Fifth Avenue credits**, concierge services, access to exclusive events, and more.
Review: American Express Platinum card review
Marriott Elite Status
In addition to the Platinum Card, which comes with Marriott Gold status, here are the cards that get you status with the Marriott Bonvoy brand.
Marriott Bonvoy Boundless® Credit Card
Marriott Bonvoy Boundless® Credit Card
Intro offer
3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in the first three months from account opening
Rewards
Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points for every $1 spent on all other purchases.
Marriott Bonvoy Boundless® Credit Card
Intro offer
3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in the first three months from account opening
Rewards
Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points for every $1 spent on all other purchases.
Marriott Bonvoy Boundless® Credit Card
Details
Rewards
Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points for every $1 spent on all other purchases.
Intro offer
3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% – 27.49% Variable
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
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The Marriott Bonvoy Boundless® Credit Card currently offers an increased welcome bonus of 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in the first three months from account opening. This offer expires on April 6, 2023. The card has a $95 annual fee.
This card also gives you Silver elite status with Marriott.
While Silver status doesn’t get you much, it’s still something — you’ll get a 10% bonus on Marriott Bonvoy points earned, priority late checkout, access to a dedicated customer service line, free Wi-Fi, and more. While it’s not a published benefit, you may also be given preferential rooms. When you spend $35,000 on the card in a given year, you’ll earn Gold status instead.
The card offers 6 points on every dollar spent at Marriott hotels (in addition to the points you’d normally earn for the stay), 3x points at grocery stores, gas stations, and on dining (on up to $6,000 in combined purchases per year), and 2x points on everything else. After your first year, you’ll get a free night certificate every year on your account anniversary, good for any property that costs 35,000 nights or fewer.
Review: Marriott Bonvoy Boundless credit card review
Marriott Bonvoy Business® American Express® Card
Marriott Bonvoy Business® American Express® Card
Intro offer
125,000 bonus Marriott Bonvoy Points after spending $5,000 in purchases within the first three months of card membership (offer ends 5/3/23)
Rewards
Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. Earn 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. Earn 2x points on all other eligible purchases.
Marriott Bonvoy Business® American Express® Card
Intro offer
125,000 bonus Marriott Bonvoy Points after spending $5,000 in purchases within the first three months of card membership (offer ends 5/3/23)
Rewards
Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. Earn 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. Earn 2x points on all other eligible purchases.
On American Express’s website
Marriott Bonvoy Business® American Express® Card
Details
Rewards
Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. Earn 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. Earn 2x points on all other eligible purchases.
Intro offer
125,000 bonus Marriott Bonvoy Points after spending $5,000 in purchases within the first three months of card membership (offer ends 5/3/23)
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% – 29.49% Variable
If you can qualify for a small-business card, the Marriott Bonvoy Business® American Express® Card is a great value. Cardholders receive automatic Marriott Gold elite status, a free night certificate worth up to 35,000 points after each card anniversary, and a 7% discount on standard room rates.
The card currently offers a welcome bonus of 125,000 bonus Marriott Bonvoy Points after spending $5,000 in purchases within the first three months of card membership (offer ends 5/3/23). You’ll earn 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program, 4x points on eligible purchases at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. shipping purchases, and 2 points per dollar on all other eligible purchases.
Review: Marriott Bonvoy Business Amex card review
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Brilliant® American Express® Card
Intro offer
95,000 Marriott Bonvoy bonus points after spending $5,000 in purchases on the card within the first three months
Rewards
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.
Marriott Bonvoy Brilliant® American Express® Card
Intro offer
95,000 Marriott Bonvoy bonus points after spending $5,000 in purchases on the card within the first three months
Rewards
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.
On American Express’s website
Marriott Bonvoy Brilliant® American Express® Card
Details
Rewards
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.
Intro offer
95,000 Marriott Bonvoy bonus points after spending $5,000 in purchases on the card within the first three months
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% – 29.49% Variable
The Marriott Bonvoy Brilliant® American Express® Card comes with automatic Marriott Platinum elite status, and cardholders receive up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide, an annual free night certificate after your card renewal month good for hotels that cost up to 85,000 Marriott Bonvoy points, access to Priority Pass airport lounges**, and plenty more to make up for the $650 annual fee, which isn’t waived the first year.
The Marriott Bonvoy Brilliant® American Express® Card offers a solid intro bonus: 95,000 Marriott Bonvoy bonus points after spending $5,000 in purchases on the card within the first three months. Cardholders earn 6x points on purchases at hotels in the Marriott Bonvoy® program (on top of what they’d normally earn for a stay), 3x points at US restaurants and flights booked directly with the airline, and 2x points on everything else.
Review: Marriott Bonvoy Brilliant Amex card review
Marriott Bonvoy Bevy™ American Express® Card and Marriott Bonvoy Bountiful™ Card
Marriott Bonvoy Bevy™ American Express® Card
Intro offer
85,000 Marriott Bonvoy points after spending $4,000 in purchases on your new card within the first three months
Rewards
Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.
Marriott Bonvoy Bevy™ American Express® Card
Intro offer
85,000 Marriott Bonvoy points after spending $4,000 in purchases on your new card within the first three months
Rewards
Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.
On American Express’s website
Marriott Bonvoy Bevy™ American Express® Card
Details
Rewards
Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.
Intro offer
85,000 Marriott Bonvoy points after spending $4,000 in purchases on your new card within the first three months
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% – 29.49% Variable
Marriott Bonvoy Bountiful™ Card
Intro offer
85,000 bonus points after you spend $4,000 in purchases in your first three months from your account opening
Rewards
Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.
Marriott Bonvoy Bountiful™ Card
Intro offer
85,000 bonus points after you spend $4,000 in purchases in your first three months from your account opening
Rewards
Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.
Marriott Bonvoy Bountiful™ Card
Details
Rewards
Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.
Intro offer
85,000 bonus points after you spend $4,000 in purchases in your first three months from your account opening
Regular Annual Percentage Rate (APR)
18.24% – 25.24% Variable
The Marriott Bonvoy Bevy™ American Express® Card and Marriott Bonvoy Bountiful™ Card are Marriott’s newest credit cards, and both charge a $250 annual fee. These cards come with automatic Marriott Gold elite status.
With the Marriott Bonvoy Bevy™ American Express® Card there’s a welcome bonus offer of 85,000 Marriott Bonvoy points after spending $4,000 in purchases on your new card within the first three months. Marriott Bonvoy Bevy™ American Express® Card cardholders earn 6x points on hotel purchases at participating Marriott Bonvoy locations, 4x points at restaurants globally and at U.S. supermarkets on the first $15,000 in combined purchases per year (then 2x), and 2 points per dollar on all other purchases. The Marriott Bonvoy Bountiful™ Card comes with a welcome bonus of 85,000 bonus points after you spend $4,000 in purchases in your first three months from your account opening and has similar earning rates and caps, except it earns 4x points on dining and groceries (worldwide) on up to $15,000 in combined annual spending (then 2x).
One unique feature of these cards is the ability to earn 1,000 bonus points for every stay booked directly with Marriott when you pay with your card. If you stay with Marriott frequently, this could translate into a substantial number of points.
Reviews: Marriott Bonvoy Bevy credit card review and Marriott Bonvoy Bountiful credit card review
Hilton Elite Status
Hilton’s loyalty program, Hilton Honors, can offer hotel guests great value — even if Hilton points aren’t worth quite as much as other hotel loyalty points, like Marriott, it’s often easier to earn them quickly.
Plus, the status you can get from a credit card is particularly valuable. While there are three personal Hilton credit cards that offer various levels of status, only two of those cards offer status with meaningful perks.
Hilton Honors American Express Card
Hilton Honors American Express Card
Intro offer
80,000 Hilton Honors bonus points after you spend $1,000 in purchases on the card in the first three months of card membership
Rewards
Earn 7x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 5x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 5x Points on groceries at U.S. supermarkets. Earn 5x on gas at U.S. gas stations. Earn 3X Points on all other purchases.
Hilton Honors American Express Card
Intro offer
80,000 Hilton Honors bonus points after you spend $1,000 in purchases on the card in the first three months of card membership
Rewards
Earn 7x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 5x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 5x Points on groceries at U.S. supermarkets. Earn 5x on gas at U.S. gas stations. Earn 3X Points on all other purchases.
On American Express’s website
Hilton Honors American Express Card
Details
Rewards
Earn 7x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 5x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 5x Points on groceries at U.S. supermarkets. Earn 5x on gas at U.S. gas stations. Earn 3X Points on all other purchases.
Intro offer
80,000 Hilton Honors bonus points after you spend $1,000 in purchases on the card in the first three months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% – 29.49% Variable
Intro Annual Percentage Rate (APR)
N/A
The entry-level Amex Hilton Honors Card comes with a welcome bonus offer of 80,000 Hilton Honors bonus points after you spend $1,000 in purchases on the card in the first three months of card membership. For a no-annual-fee travel credit card, this is pretty solid, but you can do better with other currently elevated Hilton options.
This card has a decent set of benefits for a no-annual-fee card, including Silver elite status in the Hilton Honors program.
At Hilton, holding Silver status doesn’t get you a ton, but you’ll still be eligible for things like late checkout, free water bottles in your room during stays, a free fifth night on award stays, and bonus points. When you spend $20,000 on eligible purchases on the card in a calendar year, you’ll get upgraded to Gold status, which includes the same perks as Silver, plus free breakfast, room upgrades, and more bonus points.
The card offers 7 points per dollar spent on eligible Hilton purchases, 5 points per dollar spent on eligible purchases at US restaurants, US gas stations, and US supermarkets, and 3x points on every other eligible purchase.
Review: Hilton Honors American Express card review
Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card
Intro offer
130,000 Hilton Honors bonus points after you spend $2,000 in purchases on the card in the first three months of card membership
Rewards
Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 6x Points on groceries at U.S. supermarkets. Earn 6x Points on gas at U.S. gas stations. Earn 3X Points on all other purchases
Hilton Honors American Express Surpass® Card
Intro offer
130,000 Hilton Honors bonus points after you spend $2,000 in purchases on the card in the first three months of card membership
Rewards
Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 6x Points on groceries at U.S. supermarkets. Earn 6x Points on gas at U.S. gas stations. Earn 3X Points on all other purchases
On American Express’s website
Hilton Honors American Express Surpass® Card
This card is a terrific choice if you stay with Hilton, even occasionally. It balances excellent benefits, including Gold elite status and 10 airport lounge visits per year, with a modest annual fee. And while it doesn’t come with an automatic free night certificate on your account anniversary, you can earn one by spending $15,000 on the card in a year.
Details
Rewards
Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 6x Points on groceries at U.S. supermarkets. Earn 6x Points on gas at U.S. gas stations. Earn 3X Points on all other purchases
Intro offer
130,000 Hilton Honors bonus points after you spend $2,000 in purchases on the card in the first three months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% – 29.49% Variable
With a $95 annual fee, the Hilton Honors Surpass® Card is the best mid-range option in Hilton’s line-up. This card also comes with a bonus of 130,000 Hilton Honors bonus points after you spend $2,000 in purchases on the card in the first three months of card membership.
The Hilton Honors Surpass® Card offers complimentary Gold status, which is potentially an incredible deal. The free breakfast or food and beverage credit alone can make up for the annual fee in just a few stays.
If you spend $40,000 on eligible purchases on the Hilton Honors Surpass® Card within a calendar year, you’ll be upgraded to Diamond status. In addition to the same benefits you’d get from Gold status, Diamond gets you a higher priority for room upgrades, executive lounge access, and more. The card also comes with 10 free day passes to Priority Pass airport lounges.
You’ll also get a free reward night certificate if you spend $15,000 on eligible purchases on the card within a calendar year.
The card has a better-earning rate than the regular Hilton card. It earns 12x points on eligible Hilton purchases, 6x points on eligible purchases at US restaurants, US gas stations, and US supermarkets, and 3x points on every other eligible purchase.
Review: Hilton Honors American Express Surpass card review
The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card
Intro offer
130,000 Hilton Honors bonus points after you spend $3,000 in purchases on the card within the first three months of card membership
Rewards
Earn 12x Hilton Honors Points at Hilton per dollar for purchases made directly with hotels and resorts in the Hilton portfolio. Earn 6x Hilton Honors Points on business purchases at U.S. gas stations, shipping providers, and wireless phone services purchased directly from service providers. Earn 6x Hilton Honors Points on select travel purchases at U.S. restaurants, flights, and car rentals. Earn 3X Hilton Honors Points on all other purchases.
The Hilton Honors American Express Business Card
Intro offer
130,000 Hilton Honors bonus points after you spend $3,000 in purchases on the card within the first three months of card membership
Rewards
Earn 12x Hilton Honors Points at Hilton per dollar for purchases made directly with hotels and resorts in the Hilton portfolio. Earn 6x Hilton Honors Points on business purchases at U.S. gas stations, shipping providers, and wireless phone services purchased directly from service providers. Earn 6x Hilton Honors Points on select travel purchases at U.S. restaurants, flights, and car rentals. Earn 3X Hilton Honors Points on all other purchases.
On American Express’s website
The Hilton Honors American Express Business Card
If you’re a small-business owner and like staying with Hilton, this card is an excellent value. For a modest annual fee, cardholders receive automatic Hilton Gold status and 10 airport lounge visits annually, as well as great bonus categories for business purchases. Plus, big spenders can take advantage of the ability to earn up to two weekend night certificates for meeting spending thresholds each year.
Details
Rewards
Earn 12x Hilton Honors Points at Hilton per dollar for purchases made directly with hotels and resorts in the Hilton portfolio. Earn 6x Hilton Honors Points on business purchases at U.S. gas stations, shipping providers, and wireless phone services purchased directly from service providers. Earn 6x Hilton Honors Points on select travel purchases at U.S. restaurants, flights, and car rentals. Earn 3X Hilton Honors Points on all other purchases.
Intro offer
130,000 Hilton Honors bonus points after you spend $3,000 in purchases on the card within the first three months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% – 29.49% Variable
The Hilton Honors American Express Business Card is a great deal if you’re a small-business owner who stays with Hilton frequently. Cardholders receive automatic Hilton Gold status, which opens the door to perks like free breakfast (food and beverage credit at US hotels), bonus points, and room upgrades.
The card has a strong welcome bonus: 130,000 Hilton Honors bonus points after you spend $3,000 in purchases on the card within the first three months of card membership. You’ll also earn 12x points on purchases made directly with hotels and resorts in the Hilton portfolio, 6x points on select business purchases (U.S. gas stations, wireless telephone services purchases directly from U.S. service providers, and on U.S purchases for shipping), 6x points on select travel purchases (U.S. restaurants, flights booked directly with airlines or Amex Travel and car rentals booked with select car rental companies), and 3x points on all other eligible purchases.
Cardholders can also receive a free reward night certificate after spending $15,000 in a calendar year, and another if they spend a total of $60,000 with their card in a calendar year. The card comes with 10 free Priority Pass visits annually as well. There’s a $95 annual fee.
Review: Amex Hilton Honors Business card review
Hilton Honors American Express Aspire Card
Hilton Honors American Express Aspire Card
Intro offer
150,000 points after spending at least $4,000 in the first three months of account opening
Rewards
Earn 14x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 7x Points on select travel including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies. Earn 7x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 3X Points on all other purchases.
Hilton Honors American Express Aspire Card
Intro offer
150,000 points after spending at least $4,000 in the first three months of account opening
Rewards
Earn 14x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 7x Points on select travel including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies. Earn 7x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 3X Points on all other purchases.
On American Express’s website
Hilton Honors American Express Aspire Card
Details
Rewards
Earn 14x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 7x Points on select travel including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies. Earn 7x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 3X Points on all other purchases.
Intro offer
150,000 points after spending at least $4,000 in the first three months of account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
15.74% to 24.74% variable APR on purchases
The Hilton Honors Aspire Card is the premium Hilton card, and even though it has a $450 annual fee, it offers an absurd amount of potential value to blow that away.
Along with a welcome bonus offer of 150,000 points after spending at least $4,000 in the first three months of account opening, the card comes with complimentary top-tier Diamond status without any spending requirement, getting you those room upgrades, executive lounge access, and more, in addition to all the benefits of lower tiers such as free breakfast.
It features up to a $250 airline fee credit per calendar year, and up to a $250 Hilton resort statement credit each card member year — right away that’s $500 in value. The Hilton Honors Aspire Card also offers a $100 Hilton on-property credit every time you book a stay of two nights or longer at a participating Waldorf Astoria or Conrad property — you just need to book through a specific website for cardholders.
Cardholders also get a free night reward each year — regardless of how much they spend — and a second if they spend $60,000 on the card in a calendar year.
The Hilton Honors Aspire Card, naturally, has the highest rewards earning rate of the Hilton cards: 14 points per eligible dollar spent with Hilton, 7x points on eligible flights booked with the airline, car rentals, and at U.S. restaurants, and 3x points on every other eligible purchase.
Review: Hilton Honors Aspire card review
Hyatt Elite Status
Hyatt loyalists only have two credit card options, but they’re solid ones. If you’re a fan of the brand and prefer to stay there, here are the cards you should consider to earn elite status.
The World Of Hyatt Credit Card
The World Of Hyatt Credit Card
Intro offer
30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar, up to $15,000, on purchases that normally earn 1 point in the first six months of account opening
Rewards
Earn up to 9 points total for Hyatt stays (4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships. Earn 1 point per $1 spent on other purchases.
The World Of Hyatt Credit Card
Intro offer
30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar, up to $15,000, on purchases that normally earn 1 point in the first six months of account opening
Rewards
Earn up to 9 points total for Hyatt stays (4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships. Earn 1 point per $1 spent on other purchases.
The World Of Hyatt Credit Card
Details
Rewards
Earn up to 9 points total for Hyatt stays (4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships. Earn 1 point per $1 spent on other purchases.
Intro offer
30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar, up to $15,000, on purchases that normally earn 1 point in the first six months of account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% – 27.49% Variable
The World Of Hyatt Credit Card offers complimentary Discoverist status — Discoverist is the first of three Hyatt elite tiers, followed by Explorist and Globalist. Discoverists are entitled to bonus points during stays, complimentary premium internet, free water bottles, late checkout on request, preferred rooms (though not upgrades), and more.
You’ll also receive five qualifying night credits each year toward the next elite tier, and you’ll earn additional two-night credit every time you spend $5,000, making it easier to earn enough stays for Explorist or Globalist.
The World Of Hyatt Credit Card earns 4 Hyatt points per dollar spent on Hyatt purchases, 2x points at restaurants, on flights purchased directly from the airline, local transit, and gyms, and 1 point per dollar on everything else.
The card offers an intro bonus of 30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar, up to $15,000, on purchases that normally earn 1 point in the first six months of account opening. It has an annual fee of $95.
Review: World of Hyatt credit card review
World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
Intro offer
60,000 bonus points after you spend $5,000 on purchases in your first 3 months from account opening
Rewards
9 points total per $1 spent at Hyatt (4 Bonus Points per $1 when you use your card at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter. 2 Bonus Points per $1 spent on fitness club and gym memberships. 1 Bonus Point per $1 spent on all other purchases.
World of Hyatt Business Credit Card
Intro offer
60,000 bonus points after you spend $5,000 on purchases in your first 3 months from account opening
Rewards
9 points total per $1 spent at Hyatt (4 Bonus Points per $1 when you use your card at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter. 2 Bonus Points per $1 spent on fitness club and gym memberships. 1 Bonus Point per $1 spent on all other purchases.
World of Hyatt Business Credit Card
Small-business owners who stay with Hyatt frequently could get great value from this card, especially if they take advantage of perks like automatic elite status for the primary cardholder and up to five employees. However, it’s got a higher annual fee than most hotel cards, so be sure your spending and travel habits line up with the card’s benefits before you apply.
Details
Rewards
9 points total per $1 spent at Hyatt (4 Bonus Points per $1 when you use your card at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter. 2 Bonus Points per $1 spent on fitness club and gym memberships. 1 Bonus Point per $1 spent on all other purchases.
Intro offer
60,000 bonus points after you spend $5,000 on purchases in your first 3 months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% – 27.49% Variable
The World of Hyatt Business Card comes with automatic Discoverist status for you and up to five employees (includes additional cards).
You’ll earn five annual qualifying night credits for every $10,000 spent in a calendar year towards reaching the next tier elite status. Plus, you can get 10% of your redeemed points back (up to 200,000 points) when you spend $50,000 in a calendar year.
The World of Hyatt Business Card earns 9 points per dollar spent for Hyatt stays and experiences, and 2x points in your top three spending categories (dining, airlines tickets, car rental agencies, local transit and commuting, gas stations, internet/cable/phone services, social media/search engine advertising, or shipping). After December 31, 2023, this will change to your top two categories. You’ll also earn 2x points with fitness clubs and gym memberships (1x on everything else).
New cardholders can earn 60,000 bonus points after you spend $5,000 on purchases in your first 3 months from account opening.
Review: World of Hyatt Business credit card review
IHG Elite Status
IHG doesn’t have quite the same brand recognition as chains like Hilton and Marriott, but don’t let that fool you. The mega-chain, which encompasses brands like Holiday Inn, InterContinental, Kimpton Hotels, Hotel Indigo, and others, is one of the world’s biggest hotel companies with more than 5,900 properties in over 100 countries around the world. Plus, you can use IHG points toward purchases on posh resorts, familiar brands, and more.
IHG® Rewards Premier Credit Card
IHG® Rewards Premier Credit Card
Intro offer
140,000 bonus miles after you spend $3,000 on purchases in the first three months from account opening
Rewards
Earn up to 26 points total per $1 spent when you stay at an IHG Hotel & Resorts. Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.
IHG® Rewards Premier Credit Card
Intro offer
140,000 bonus miles after you spend $3,000 on purchases in the first three months from account opening
Rewards
Earn up to 26 points total per $1 spent when you stay at an IHG Hotel & Resorts. Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.
IHG® Rewards Premier Credit Card
If you stay with IHG with any regularity, this card is an excellent choice for earning IHG points. It comes with valuable benefits like a free night after each account anniversary and automatic elite status, along with generous travel and purchase protections, for a modest annual fee. However, if you’re not interested in IHG-specific benefits, a card that earns transferable Chase Ultimate Rewards points (which transfer to IHG at a 1:1 ratio) may be a better bet.
Details
Rewards
Earn up to 26 points total per $1 spent when you stay at an IHG Hotel & Resorts. Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.
Intro offer
140,000 bonus miles after you spend $3,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% – 27.49% Variable
The IHG® Rewards Premier Credit Card offers free Platinum elite status to cardholders for as long as they keep the account open. Platinum elites are entitled to room upgrades (where available), late checkout, complimentary internet, a welcome gift, bonus points, free drinks in some hotels, and more.
The card comes with plenty of other benefits, including a free night certificate — good for any property that costs up to 40,000 points — on your card anniversary, a fourth award night for free on award stays of three or more consecutive nights, and up to a $100 credit for Global Entry, TSA PreCheck, or NEXUS.
The IHG® Rewards Premier Credit Card earns 10 points per dollar spent at IHG hotels (on top of what you’d normally earn for a stay), 5 points per dollar spent at gas stations, grocery stores, and restaurants, and 3 points per dollar on everything else.
The card’s currently offering 140,000 bonus miles after you spend $3,000 on purchases in the first three months from account opening. It has an annual fee of $99.
Review: IHG Rewards Club Premier credit card review
IHG® Rewards Premier Business Credit Card
IHG® Rewards Premier Business Credit Card
Intro offer
140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening
Rewards
Earn up to 26 points total per $1 spent when you stay at an IHG hotel. Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases.
IHG® Rewards Premier Business Credit Card
Intro offer
140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening
Rewards
Earn up to 26 points total per $1 spent when you stay at an IHG hotel. Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases.
IHG® Rewards Premier Business Credit Card
With valuable benefits for small-business owners who stay at IHG hotels, this card can be well worth the annual fee for frequent travelers. It’s got the most benefits of any IHG card, and the anniversary free night alone can be worth hundreds of dollars.
Details
Rewards
Earn up to 26 points total per $1 spent when you stay at an IHG hotel. Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases.
Intro offer
140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49% – 27.49% Variable
Editor’s Rating
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
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The IHG® Rewards Premier Business Credit Card automatically gets you IHG Platinum elite status, which includes benefits like room upgrades, late checkout, complimentary internet, and 60% bonus points on paid bookings. Other benefits that come with the card are free anniversary nights, a fourth reward night free on IHG points stays, and application fee credit for Global Entry, TSA PreCheck, and NEXUS up to $100 every four years.
The IHG® Rewards Premier Business Credit Card can earn you 10,000 bonus points and $100 statement credit after you spend $20,000 on purchases and make one additional purchase each calendar year, up to $50 per year in United TravelBank Cash, and a 20% discount when you purchase points with your card (you can’t use this benefit with other IHG point promotions).
You’ll earn 10 points per dollar at IHG Hotels and Resorts, 5x points on travel, 5x at gas stations, dining, social media, search engine advertising, and office supply stores (3x on all other eligible purchases).
The IHG® Rewards Premier Business Credit Card is currently offering a welcome bonus of 140,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening, for a $99 annual fee.
Review: IHG Premier Business credit card review
Choice Hotels Elite Status
The Choice Privileges loyalty program includes well-known brands like Comfort Inn, Quality Inn, and Cambria, so there’s probably a Choice hotel just about anywhere you go. Road warriors and families, in particular, can get good value from Choice points — and having elite status for free from a credit card doesn’t hurt, either.
Choice Privileges Visa Signature Card
Choice Privileges Visa Signature Card
Intro offer
32,000 bonus points after spending $1,000 on purchases in the first 90 days
Choice Privileges Visa Signature Card
Intro offer
32,000 bonus points after spending $1,000 on purchases in the first 90 days
Choice Privileges Visa Signature Card
Details
Intro offer
32,000 bonus points after spending $1,000 on purchases in the first 90 days
Regular Annual Percentage Rate (APR)
15.74%, 19.99% or 24.99% variable APR
The Choice Privileges Visa Signature Card doesn’t have an annual fee. It’s currently not accepting applications, and it’s unclear if or when the card will return.
Existing cardholders receive automatic Choice Privileges Gold elite status, which is the lowest tier offered by the brand. Gold status comes with a few perks, including a 10% points bonus on stays, early check-in and late checkout, up to nine elite rollover nights, and a welcome amenity.
Review: Choice Privileges Visa Signature credit card review
Wyndham Elite Status
The Wyndham Rewards program includes three levels of elite status — Gold, Platinum, and Diamond — and Barclays issues credit cards that offer complimentary status across the board.
Wyndham Rewards® Earner Card
Wyndham Rewards® Earner Card
Intro offer
30,000 bonus points, worth up to 4 free nights at participating properties, after spending $1,000 on purchases in the first 90 days from account opening
Rewards
Earn 5X points on eligible purchases made at Hotels by Wyndham and on qualifying gas purchases. Earn 2X points on eligible dining and grocery store purchases (excluding Target® and Walmart®). Earn 1X points on all other purchases (excluding Wyndham Vacation Club down payments).
Wyndham Rewards® Earner Card
Intro offer
30,000 bonus points, worth up to 4 free nights at participating properties, after spending $1,000 on purchases in the first 90 days from account opening
Rewards
Earn 5X points on eligible purchases made at Hotels by Wyndham and on qualifying gas purchases. Earn 2X points on eligible dining and grocery store purchases (excluding Target® and Walmart®). Earn 1X points on all other purchases (excluding Wyndham Vacation Club down payments).
Wyndham Rewards® Earner Card
Details
Rewards
Earn 5X points on eligible purchases made at Hotels by Wyndham and on qualifying gas purchases. Earn 2X points on eligible dining and grocery store purchases (excluding Target® and Walmart®). Earn 1X points on all other purchases (excluding Wyndham Vacation Club down payments).
Intro offer
30,000 bonus points, worth up to 4 free nights at participating properties, after spending $1,000 on purchases in the first 90 days from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49%, 24.74% or 29.74% Variable
Intro Annual Percentage Rate (APR)
0% intro APR for 15 months on balance transfers made within 45 days of account opening
The no-annual-fee Wyndham Rewards® Earner Card comes with entry-level Wyndham Gold elite status. With Gold status, you’ll get perks like a 10% points bonus on paid stays, late checkout when available, and access to preferred rooms.
The Wyndham Rewards® Earner Card has a welcome bonus offer of 30,000 bonus points, worth up to 4 free nights at participating properties, after spending $1,000 on purchases in the first 90 days from account opening.
Cardholders also earn 7,500 bonus points each year on their cardmember anniversary if they spend $15,000 throughout the year, and get access to discounts on award and paid stays.
Wyndham Rewards® Earner Plus Card
Wyndham Rewards® Earner Plus Card
Intro offer
45,000 points, worth up to 6 free nights at participating properties, after spending $1,000 on purchases in the first 90 days of account opening
Rewards
Earn 6 points per dollar on eligible purchases made at Hotels by Wyndham. Earn 6 points per dollar on gas purchases. Earn 4 points per dollar on eligible dining and grocery store purchases (excluding Target and Walmart). Earn 1 point per dollar on all other purchases.
Wyndham Rewards® Earner Plus Card
Intro offer
45,000 points, worth up to 6 free nights at participating properties, after spending $1,000 on purchases in the first 90 days of account opening
Rewards
Earn 6 points per dollar on eligible purchases made at Hotels by Wyndham. Earn 6 points per dollar on gas purchases. Earn 4 points per dollar on eligible dining and grocery store purchases (excluding Target and Walmart). Earn 1 point per dollar on all other purchases.
Wyndham Rewards® Earner Plus Card
Details
Rewards
Earn 6 points per dollar on eligible purchases made at Hotels by Wyndham. Earn 6 points per dollar on gas purchases. Earn 4 points per dollar on eligible dining and grocery store purchases (excluding Target and Walmart). Earn 1 point per dollar on all other purchases.
Intro offer
45,000 points, worth up to 6 free nights at participating properties, after spending $1,000 on purchases in the first 90 days of account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.49%, 24.74% or 29.74% Variable
Intro Annual Percentage Rate (APR)
0% promo APR for 6 billing cycles on all Wyndham Timeshare purchases and 0% intro APR for 15 months on balance transfers made within 45 days of account opening
The Wyndham Rewards® Earner Plus Card charges a $75 annual fee and comes with a higher level of elite status — Wyndham Rewards Platinum. Platinum members get all the same perks Gold elites do, plus a 15% points bonus on paid stays, early check-in, Avis and Budget rental car upgrades, and the opportunity to status match with the Caesars Rewards loyalty program.
You can earn 45,000 points, worth up to 6 free nights at participating properties, after spending $1,000 on purchases in the first 90 days of account opening. Plus, the card offers a 0% promo APR for 6 billing cycles on all Wyndham Timeshare purchases and 0% intro APR for 15 months on balance transfers made within 45 days of account opening (then a 20.49%, 24.74% or 29.74% Variable APR).
Review: Wyndham Rewards Earner Plus credit card review
Wyndham Rewards® Earner Business Card
Wyndham Rewards® Earner Business Card
Intro offer
45,000 points, worth up to 6 free nights, after spending $2,000 on purchases in the first 90 days of account opening
Rewards
Earn 8 points per dollar on eligible purchases made at Hotels by Wyndham. Earn 8 points per dollar on gas purchases. Earn 5 points per dollar on eligible marketing, advertising, and utilities purchases. Earn 1 point per dollar on all other purchases.
Wyndham Rewards® Earner Business Card
Intro offer
45,000 points, worth up to 6 free nights, after spending $2,000 on purchases in the first 90 days of account opening
Rewards
Earn 8 points per dollar on eligible purchases made at Hotels by Wyndham. Earn 8 points per dollar on gas purchases. Earn 5 points per dollar on eligible marketing, advertising, and utilities purchases. Earn 1 point per dollar on all other purchases.
Wyndham Rewards® Earner Business Card
Details
Rewards
Earn 8 points per dollar on eligible purchases made at Hotels by Wyndham. Earn 8 points per dollar on gas purchases. Earn 5 points per dollar on eligible marketing, advertising, and utilities purchases. Earn 1 point per dollar on all other purchases.
Intro offer
45,000 points, worth up to 6 free nights, after spending $2,000 on purchases in the first 90 days of account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.24%, 24.24% or 29.24% variable
Intro Annual Percentage Rate (APR)
0% promo APR for 6 billing cycles on all Wyndham Timeshare Purchases
The Wyndham Rewards® Earner Business Card has a $95 annual fee and comes with automatic Diamond member status (the highest tier level), which includes perks like preferred room choice, late checkout, early check-in, Caesars Rewards status match, Avis and Budget car rental upgrades, suite upgrades, and more.
Additional card benefits include no foreign transaction fees, cell phone protection, complimentary employee cards, and a card member booking discount.
The Wyndham Rewards® Earner Business Card earns 8x points on eligible Hotels by Wyndham and qualifying gas purchases. It also earns 5x points on marketing, advertising, and utility purchases (1x on all other eligible purchases). Plus, you can earn 45,000 points, worth up to 6 free nights, after spending $2,000 on purchases in the first 90 days of account opening.
Review: Wyndham Rewards Earner Business card review
Which Hotel Card With Elite Status Is Right for You?
Ultimately, the best card for you depends on which hotel brand you tend to stay with, how often you stay, and which elite perks you value. If you’re a Hyatt or IHG fan, there are only a couple of cards — if you stay with Hilton or Marriott, there are more choices.
Unless you’re an absolute loyalist, the Platinum Card may be the best pick. It comes with mid-level status at two of the biggest chains, includes free breakfast or a food and beverage credit at Hilton properties, and offers excellent non-hotel perks, like airline lounge access.
