- Earn 25,000 Expedia+ bonus points after $2,000 in purchases within 3 months of account opening
- Points redeemable for $350 towards your stay at a +VIP Access™ hotel
Best Hotel credit cards allow you free accommodation, room upgrades, loyalty membership allowances, and travel discounts. Hotel cards can also be awarded other incentives, but consumers earn the most points by using them for a hotel or travel-related expenses. They can also get the best value when cashing in points for travel-related expenses.
Universal Travel Award Card
You can earn points in all purchases and exchange various rewards, such as cash returns, airline tickets, hotel accommodation or settlement credits. If you use the points for travel-related expenses, you usually get the most valuable welfare reward. Some incentive schemes, such as American Express Membership Awards and the pursuit of ultimate rewards, allow you to transfer points to hotel loyalty schemes.
The general travel reward card is the best if you want:
Maximum reward value.
Flexibility in delivering rewards.
Recreation, tourism and restaurant shopping have higher returns.
Co-Brand Hotel Award Card
Another type of hotel card is associated with a particular Hotel brand. You have been awarded the loyalty of the hotel brand of the card. These cards usually carry less flexible incentive schemes than regular travel cards, but they offer generous Hotel allowances, such as late check-out.
This type of card will be the right choice for you if you are:
Be loyal to a particular Hotel brand.
Freedom Night earns points. This is the main benefit of hotel credit cards. Consider a card that has an accelerated reward rate for certain categories to maximize your consumption. For example, if you often eat out, find a card that costs two to three points per dollar in a restaurant.
Registration bonus. In the first few months of credit card opening, the credit card will provide a registration bonus after the minimum amount of consumption (usually between $500 and $5000). Generally speaking, the more money you spend, the higher your bonus will be.
Free accommodation vouchers. For hundreds of dollars, some joint brand hotel cards offer free anniversary nights (or nights) to card members every year. Some restrictions may apply; for example, you can only use free nights in some hotels.
Cost credits. Hotel cards are not often provided, but they can be accompanied by travel-related charges. Only a small percentage of the dozens of hotel business cards we surveyed offered this discount.
Elite status. Some Hotel cards can give you an elite position in the hotel brand. Generally speaking, you need to stay at least a few nights a year to get an elite membership. These benefits usually include free indoor Wi-Fi, room upgrades and late check-out.
Travel insurance. Most travel cards carry travel accident insurance, while some provide travel cancellation or interruption insurance, roadside help, and baggage loss insurance.
Concierge service. Some cards also provide concierge services. With this service, you can get personal assistance, such as booking tickets for events or restaurants. American Express Platinum, Visa Signature and World Elite Credit Cards all offer this service.
1. You spend a lot of money on Hotel expenses: hotel credit cards are good for rewarding Hotel expenses, but bad for rewarding day-to-day expenses. Unless you travel frequently, cash return cards can be rewarded more quickly.
2. You have good credit: In most cases, you need good or excellent credit to ensure that the hotel's credit card. FICO's credit score is 670, which is the lowest you should get before applying for a hotel card.
3. You can pay off your balance every month: Because of the relatively high-interest rate of the hotel card, the interest expense will quickly offset any reward you get from using the card and disrupt the purpose of using it at the beginning.
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