1
Best no-fee pick
Citi Double Cash
2x catch-allThankYou Points
Best Credit Cards for Hotels
Top earning cards for hotel stays — from transferable points stackers to dedicated hotel loyalty cards.
Hotel loyalty cards earn the most when you stay at that specific chain
1.8%
Avg no-fee back
2.5%
Avg with-fee back
3%
Best rate available
$123
Avg with-fee cost/yr
Spend about $16,333/yr in this category for the with-fee pick's extra rate to earn back its annual fee.
The short answer
Top picks — no annual fee
Keep forever · $0/yrTop picks — with annual fee
Pays for itself if used right1
Best overall
AmEx Green
3x travel including hotelsMembership Rewards$150/yr
2
Best value
Chase Sapphire Preferred
5x portal hotels, 2x directUltimate Rewards$95/yr
Honorable mentions
Annual fee
Reward type
Card type
Card network
11 cards
#1
Marriott Bonvoy Boundless
Loyalty Points
2x everything else
- 17x Marriott
- 3x Groceries
- 3x Gas
- 3x Dining
- 2x everything else
Click to see redemption options
3 Free Night Awards after $3,000 in 3 months
#2
Hilton Honors Surpass
Loyalty Points
3x everything else
- 12x Hilton
- 6x Restaurants
- 6x Supermarkets
- 6x Gas
- 4x US Online Retail
- 3x everything else
Click to see redemption options
155,000 points after $3,000 in 6 months
#3
World of Hyatt Credit Card
Loyalty Points
1x everything else
- 9x Hyatt
- 2x Airlines
- 2x Transit
- 2x Fitness/Gym
- 1x everything else
Click to see redemption options
60,000 points after $3,000 in 3 months
#4
American Express Platinum
Transferable Points
5x Hotels via AmEx Travel
- 5x Flights
- 5x Hotels via AmEx Travel
- 1x everything else
Click to see redemption options
100,000 points after $6,000 in 6 months
#5
Chase Sapphire Reserve
Transferable Points
8x Travel via Chase
- 8x Travel via Chase
- 4x Flights (direct)
- 4x Hotels (direct)
- 3x Dining
- 1x everything else
Click to see redemption options
60,000 points after $4,000 in 3 months
#6
Citi Strata Premier
Transferable Points
10x Hotels/Cars/Attractions via CitiTravel
- 10x Hotels/Cars/Attractions via CitiTravel
- 3x Restaurants
- 3x Supermarkets
- 3x Gas
- 3x Air Travel
- 3x Hotels
- 1x everything else
Click to see redemption options
60,000 points after $4,000 in 3 months
#7
Citi Strata Elite
Transferable Points
12x Hotels/Cars/Attractions via CitiTravel
- 12x Hotels/Cars/Attractions via CitiTravel
- 6x Airfare via CitiTravel
- 3x Restaurants
- 1.5x everything else
Click to see redemption options
80,000 points after $4,000 in 3 months
#8
Chase Sapphire Preferred
Transferable Points
5x Travel via Chase
- 5x Travel via Chase
- 5x Lyft
- 3x Dining
- 3x Online Groceries
- 3x Streaming
- 3x Gas & EV Charging
- 3x Vacation Rentals
- 2x Travel
- 1x everything else
Click to see redemption options
60,000 points after $4,000 in 3 months
#9
Capital One Venture Rewards
Transferable Points
5x Flights via C1 Travel
- 5x Flights via C1 Travel
- 2x everything else
Click to see redemption options
75,000 miles after $4,000 in 3 months
#10
United Explorer
Loyalty Points
2x Hotels
- 2x United
- 2x Dining
- 2x Hotels
- 5x Hotels via United Hotels
- 1x everything else
Click to see redemption options
60,000 miles after $3,000 in 3 months
#11
Capital One Venture X
Transferable Points
10x Hotels & Car Rentals via C1
- 10x Hotels & Car Rentals via C1
- 5x Flights via C1
- 2x everything else
Click to see redemption options
75,000 miles after $4,000 in 3 months
Not sure which one fits you?
Our free quiz matches you to the right card based on your actual spending, credit score, and goals — in about 2 minutes.
Take the quiz →Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) are shown at 5x only during a quarter that category is actually active — checked against Chase and Discover's published quarterly calendars. Terms and reward rates are subject to change at each issuer's discretion.
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