Top 10 Hotel Rewards Credit Cards You Should Consider

Choosing premium hotel credit cards can greatly enhance your travel experience by offering superior rewards and exclusive perks compared to standard hotel cards. These cards are especially beneficial for frequent travelers or those loyal to specific hotel brands, helping to reduce vacation expenses. By selecting the right card, you can earn valuable rewards through everyday spending and enjoy benefits like room upgrades, late checkouts, and elite status. Optimizing rewards can make your hotel stays more affordable and enjoyable.

Here are key tips to help you pick the best hotel rewards credit card:

Maximize rewards on all purchases
While some cards are linked to specific hotel brands, others reward all spending, making them versatile for various expenses like dining and gas. Earning more points on everyday purchases accelerates reward accumulation.

Opt for co-branded hotel credit cards
If you favor a particular hotel chain, choosing its co-branded card maximizes your loyalty benefits and points. For travelers who favor multiple brands, travel reward cards that earn points on various hotel stays and other expenses are ideal.

Evaluate signup bonuses
Top hotel credit cards often offer enticing signup bonuses after spending a set amount within the initial months. Bonuses can cover overnight stays and help narrow your options effectively.

Consider the value of each point
Hotel rewards can vary in worth due to different earning rates and hotel costs. Calculating the point-to-value ratio helps determine how efficiently your rewards convert into free nights.

Enjoy additional hotel perks
Beyond free nights, premium cards often include benefits like room upgrades, complimentary breakfast, late checkouts, and elite status. These perks enhance your stay and foster brand loyalty.

Based on these criteria, here are the top hotel reward credit cards to consider:

• Chase Sapphire Preferred® Card
  Known for excellent sign-up bonuses, this card has no annual fee in the first year, then $95 annually. It features a variable APR between 17.49% and 24.49%.
• Marriott Rewards® Premier Plus Credit Card
  $95 annual fee; earns 6 points per dollar at Marriott and SPG hotels, 2 points on other purchases. APR ranges from 17.49% to 24.49%.
• The Hyatt Credit Card
  With a $75 annual fee, it offers 40,000 bonus points after spending $2,000 within three months of opening the account.
• Starwood Preferred Guest® credit card from American Express
  No annual fee first year, then $95; APR from 16.74% to 20.74%, based on creditworthiness.
• IGH® Rewards Club Premier Card
  Chase-issued with an $84 annual fee; earns 80,000 bonus points after spending $2,000 in the first three months.
• Barclays Choice Privileges Visa Signature Card
  $0 annual fee; APR varies from 16.74% to 26.49%, depending on credit.
• The Ritz-Carlton Rewards Credit Card
  Charges $45 annually; offers $300 annual travel credit and an APR of 17.49%-24.49%.
• Hiltons Honors American Express® Ascend
  $95 annual fee; APR ranges from 17.24% to 26.24%; rewards include a weekend night stay after spending $15,000 annually.
• Capital One® Venture® Rewards Card
  50,000 miles after spending $3,000 within three months; no fee first year, then $95.
• The Wyndham Rewards® Visa Signature® Card
  No annual fee; enjoy free Wi-Fi, late check-out, and dedicated service at Wyndham properties with gold status.