The Best Hotel Credit Cards of November 2022

These cards come with a range of benefits and can save you money on your next trip.

The best hotel credit cards

Image courtesy of: JW Marriott


Hotel credit cards provide several advantages that aren’t available on ordinary credit cards. They allow you to earn points that extend the card’s privileges and provide rewards and perks to access elite status at hotels around the world.

Most come in two flavors; those tied to a specific brand and those that can be used at different hotels. Co-branded hotel cards come with the most significant benefits, especially for travelers loyal to a hotel brand. However, multi-brand hotel credit cards typically offer more flexible terms if you aren’t faithful to any particular brand.

There are many cards to choose from, which can be confusing if you are new to the world of hotel credit card rewards. In short, the key to choosing the right card comes down to which type of traveler you are and how often you travel.

To help narrow the options, we’ve created an overview of the best hotel credit cards of 2022.

Hilton Honors American Express Surpass® Card

TKS rating:
Hilton Honors American Express Surpass® Card

Hilton hotels and their brands are some of the most popular worldwide. It’s no surprise that the Hilton Honors American Express Surpass card is one of the best hotel credit cards on the market.

Intro Offer

You can earn 130,000 Hilton Bonus Points when you spend $2000 with the card within the first three months of membership. Card membership also includes Gold status 1 complimentary weekend night when you spend $15,000 each calendar year.

Rewards

  • Earn 12X Hilton Honors Bonus Points for every $1 spent on eligible purchases at one of their properties.
  • Earn 6X Hilton Honors Bonus Points for every $1 spent on eligible purchases at participating restaurants, supermarkets, and gas stations.
  • Earn 3X Hilton Honors Bonus Points eligible for general purchases made with the card.

APR

19.49% to 28.49% variable

Annual Fee

$95

Why we chose it

With rewards that include bonus points for every dollar spent and free night travel rewards on qualifying purchases, this card has plenty of perks to offer travelers. Overall, the Hilton Honors American Express Surpass Card offers a lot of value for those who travel frequently to hotels owned by Hilton Honors partners worldwide.

Chase Sapphire Preferred® Card

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Hilton Honors American Express Surpass® Card

The Chase Sapphire Preferred® Card is the best hotel credit card for travel rewards enthusiasts who aren’t loyal to any particular brand. This card offers highly flexible rewards that include airfare and hotels, a $50 annual hotel credit, and the ability to transfer points to their travel partners, including Marriot and IHG Rewards.

Intro Offer

You can earn 60,000 bonus points when you spend $4,000 within the first three months of membership, which is worth $750 when redeemed through Chase Ultimate Rewards®. You also receive complimentary Silver Elite status and the perks and benefits that come with it.

Rewards

  • Earn 5X points for every $1 spent on eligible travel purchased through Chase Ultimate Rewards® and Lyft rides.
  • Earn 3X points for every $1 spent on eligible dining, groceries, and select streaming services.
  • Earn 1X points for every $1 spent on other eligible purchases made with the card.

APR

18.99% – 25.99% variable

Annual Fee

$95

Why we chose it

This card is perfect for those who love earning rewards for every dollar they spend and want the best travel customer service available. While it may not have some of the hotel-specific perks of the co-branded cards on our list, the other rewards available on this card more than makeup for it.

Marriott Bonvoy Boundless® Credit Card

TKS rating:
Hilton Honors American Express Surpass® Card

With 30 brands and over 8,000 properties worldwide, the Marriott Bonvoy Boundless® Credit Card is perfect for travelers who want top-notch hotel rewards. This card offers bonus points for every dollar spent on eligible purchases, including hotels and travel entertainment. Additionally, you can earn credit card perks such as free night stays, travel credits, and priority status in loyalty programs.

Intro Offer

You can earn 150,000 bonus points — equal to 3 free nights — after you spend $3,000 within the first 3 months from account opening.

Rewards

  • Earn 17X points per $1 spent on eligible purchases at one of their Marriott Bonvoy properties.
  • Earn 3X points per $1 on the first $6000 spent on eligible purchases at participating restaurants, supermarkets, and gas stations.
  • Earn 2X points per $1 spent on eligible general purchases made with the card

APR

18.99% – 25.99% variable

Annual Fee

$95

Why we chose it

Marriott is the world’s largest hotel chain. With 7,500 properties worldwide, this card offers plenty of ways to upgrade your stay. Additionally, you get one annual free night worth up to 35,000 points and other perks that accelerate your status from the Silver to Gold tiers.

IHG® Rewards Premier Credit Card

TKS rating:
Hilton Honors American Express Surpass® Card

IHG properties are world-famous for their exquisite design and quality of service. Their hotel card program offers some of the best perks available, including platinum Elite status (as long as your account is in good standing.)

Intro Offer

You can earn 140,000 bonus points after you spend $3,000 on eligible purchases at IHG Hotels & Resorts within the first 3 months from account opening.

Rewards

  • Earn 26X points per $1 spent on eligible purchases at one of their IHG Hotels & Resorts.
  • Earn 5X points per $1 on the first $6000 spent on eligible purchases at participating restaurants, supermarkets, and gas stations.
  • Earn 3X points per $1 spent on eligible general purchases made with the card

APR

18.99% – 25.99% variable

Annual Fee

$99

Why we chose it

We really like the free anniversary night you get each year. Other perks include automatic Platinum Elite status and a 50% bonus on IHG Reward points when you stay at IHG hotels.

World of Hyatt Credit Card

TKS rating:
Hilton Honors American Express Surpass® Card

With properties all over the world, Hyatt hotels have something for everyone. And their Hyatt rewards offer more value than the other programs on this list.

Intro Offer

You can earn 30,000 bonus points after you spend $3,000 on eligible purchases at Hyatt hotels within the first 3 months from account opening.

Rewards

  • Earn up to 9X points per $1 spent on eligible purchases at Hyatt hotels
  • Earn 2X points per $1 spent on restaurants, airline tickets, and on gym memberships
  • Earn 2X points per $1 spent on eligible general purchases made with the card

APR

18.99% – 25.99% variable

Annual Fee

$95

Why we chose it

World of Hyatt’s points are valued at 1.7 cents — more than 3 times the value of other hotels on our list. Other perks include complimentary Discoverist status and a free night at eligible properties once you spend $15,000 in a calendar year.

Methodology

While compiling our list of best hotel credit cards of 2022, we considered the following factors: credit card rewards programs, annual fees and APR terms. Our list of the best hotel credit cards of 2022 features rewards programs that are available to cardholders with good to excellent credit scores. Additionally, annual fees and APR terms range from 18.99% to 25.99%.

This list is regularly updated as new rewards programs and credit card options become available, so bookmark this page and stay up to date on the best hotel credit card options for you.

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