Best Hotel Credit Cards of 2025
| No Foreign Transaction Fees | Earn up to 26X points at IHG Hotels & Resorts | Best for Luxury Hotel Stays and Dining Benefits | 7% discount on eligible bookings | |
 |  |  |  | |
| Hilton Honors American Express Card | IHG One Rewards Premier Credit Card | Marriott Bonvoy Brilliant® American Express® Card | Marriott Bonvoy Business® American Express® Card | |
| Our Partner | Our Partner | Our Partner | Our Partner | |
| Rewards rate | 7x on eligible Hilton purchases | 10x points on eligible IHG purchases | 6x points on eligible Marriott purchases | 6x points on eligible Marriott purchases |
| Annual free night | No | Yes | Yes | Yes |
| Annual fee | annual_fees (Click here for rates and fees.) | annual_fees (Click here for pricing and terms.) | annual_fees (Click here for rates and fees.) | annual_fees (Click here for rates and fees.) |
7x on eligible Hilton purchases
No
10x points on eligible IHG purchases
Yes
6x points on eligible Marriott purchases
Yes
6x points on eligible Marriott purchases
Yes
Money.com has partnered with CardRatings.com for our coverage of credit card products. Money and CardRatings may receive a commission from card issuers. Our site does not include all card companies or all available card offers.
Whether on vacation or business, hotels can make or break your travel experience — and your budget.
Hotel credit card reward programs can help lower some of that cost and, thanks to the many benefits and perks, make your stay more comfortable and enjoyable.
Here are our picks for the best hotel credit cards from a variety of hotel chains that reward frequent travelers.
Our Top Picks for Best Hotel Credit Cards of 2025
- Hilton Honors American Express Aspire Card: Best Overall
- Marriott Bonvoy Brilliant® American Express® Card: Best for Luxury Hotel Stays and Dining Benefits
- Choice Privileges® Select Mastercard: Best for High Rewards and Low Fees
- World of Hyatt Credit Card: Best for Free Nights and Flexible Rewards
- Best Western Rewards® Premium Visa Signature® Card: Best for Affordable Stays
Best Hotel Credit Cards Reviews
Best Hotel Credit Card: Hilton Honors Aspire Card
- Earn 14x points on Hilton hotel stays
- Earn 7x points on flights booked directly with airlines or through Amex Travel, car rentals, and U.S. restaurants
- Earn 3x points on all other eligible purchases
- Complimentary Hilton Diamond Status
- $550 annual fee
- Points are primarily valuable for Hilton-related redemptions
Terms apply. Please click here for applicable rates and fees.
- Insurance and Protection
- Trip cancellation and interruption insurance
Car rental loss and damage insurance
Extended warranty protection
- Annual Fee
- $550
Why we chose it: The Hilton Honors American Express Aspire Card is ranked as the top hotel card because of its unmatched value for travelers. The card provides complimentary Hilton Diamond Status, the highest tier in the Hilton Honors program, which includes exclusive perks like room upgrades, free breakfast and executive lounge access.
This card delivers significant value through its rewards program and travel credits:
- $400 Resort Credits
- $250 Hilton Resort Statement Credit annually
- $200 Flight Credit
- $199 CLEAR® Plus Credit
- $100 on-property credit at select Waldorf Astoria and Conrad hotels
- Annual Free Night Award
Frequent travelers will find the Priority Pass™ Select Membership, which offers access to over 1,300 airport lounges worldwide, to be a valuable addition.
While the $550 annual fee may seem high, the card's extensive travel benefits more than make up for it. Travelers who frequently stay at Hilton properties will find this card essential for saving on hotel stays and maximizing travel.
All information about the Hilton Honors American Express Aspire Card has been collected independently by Money.com
Best for Luxury Hotel Stays and Dining Benefits: Marriott Bonvoy Brilliant® American Express® Card
- Up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide
- Global Entry or TSA PreCheck statement credit every four or four and half years
- Airport lounge access with Priority Pass™ Select (enrollment is required)
- High $650 annual fee
Terms apply. Please click here for applicable rates and fees.
- Annual fee
- $650
- Welcome offer:
- Earn 185,000 Marriott Bonvoy(R) bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Why we chose it: Marriott Bonvoy Brilliant® American Express® Card offers an array of insurance coverage*, along with hundreds of dollars worth of statement credits and perks that could make up for its high annual fee.
The Marriott Bonvoy Brilliant® American Express® Card offers 6x points for each dollar spent at Marriott hotels, 3x Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines, plus 1x point per dollar spent everywhere else.
Cardholders who spend $60,000 in a calendar year on the card, get a Brilliant Earned Choice Award (only one per year). This can be in the form of five suite-night awards, each of which can be redeemed for a room upgrade, a free night valued up to 85,000 points or a $1,000 credit when purchasing a Marriott Boutique Bed for your home.
The Marriott Bonvoy Brilliant® American Express® Card also offers a free night per year at participating Marriott Bonvoy® hotels and a $100 property credit for qualifying charges at luxury hotels The Ritz Carlton or St. Regis (terms apply).
Best for High Rewards and Low Fees: Choice Privileges® Select Mastercard
- High points-earning potential on Choice Hotel stays
- Platinum Elite Status
- No foreign transaction fees
- Limited redemption options outside of Choice Hotels
- Annual Fee
- $95
- New Cardmember Offer
- Earn 60,000 Choice Points after spending $3,000 in the first 3 months
Why we chose it: The Choice Privileges® Select Mastercard —a relative newcomer in the hotel credit card landscape— ranks high for its earning potential and relatively low annual fee.
Cardholders earn 10x points on stays at Choice Hotels and 5x points on purchases at gas stations, grocery stores, home improvement stores and phone plans. Most branded travel rewards cards only award bonus points or miles for purchases made at the particular brand. The Choice Privileges card not only awards everyday purchase, but does so at a high rate of 5x points per dollar.
The card also includes Platinum Elite Status within the Choice Privileges program, offering perks like room upgrades and late checkout. You’ll also get a credit of up to $120 every four years as reimbursement for Global Entry or TSA PreCheck application fees. Choice Privileges also offers a 30,000 bonus point anniversary bonus, which can be used for up to three reward nights.
Best for Free Nights and Flexible Rewards: World of Hyatt Credit Card
- Free night award every year
- 5 qualifying nights toward status annually
- 4x points on Hyatt stays
- Limited earning rates outside of Hyatt purchases
- Annual Fee
- $95
- New Cardmember Offer
- Earn Up to 65,000 Bonus Points
Why we chose it: The World of Hyatt Credit Card is a strong option for loyal Hyatt guests, offering 4x points on Hyatt stays and an annual free night award. With qualifying nights toward elite status and a $95 annual fee, it's a great way to maximize rewards for frequent Hyatt stays.
World of Hyatt is offering a two-part welcome bonus of up to 65,000 points. You’ll earn 35,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. They’re also offering up to 30,000 more Bonus Points by earning 2 Bonus Points per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent. Offer ends 3/6/25.
World of Hyatt offers a free night every year at any Category 1-4 Hyatt hotel or resort. You can earn another free night at a Category 1-4 Hyatt hotel if you spend $15,000 with your card in a calendar year.
Other benefits include lost luggage reimbursement, trip cancellation and baggage delay insurance, often limited with other travel credit cards with low annual fees.
Best for Affordable Stays: Best Western Rewards® Premium Visa Signature® Card
- 20 points per $1 spent at Best Western properties
- Complimentary Platinum Elite Status
- No foreign transaction fees
- Limited redemption options outside of Best Western properties
- Annual Fee
- $89
- New Cardmember Offer
- Earn 80,000 Best Western Points after spending $3,000 in the first 3 billing cycles
Why we chose it: The Best Western Rewards® Premium Visa Signature® Card is another new card on the block for loyal Best Western customers and travelers. It awards 20 points per $1 spent at Best Western properties, 4X points on gas station and grocery store purchases and 2X points on other purchases.
The Best Western Rewards Premium card also includes complimentary Platinum Elite Status and a free night award on your account anniversary. You can add another free night award if you spend at least $10,000 in purchases. Extra benefits like cell phone protection, trip delay reimbursement and trip cancellation are also included for a lower annual fee than many hotel credit cards.
The newly released Best Western Rewards Premium Visa has a sister card with no annual fee. The Best Western Rewards Visa Signature awards a lower rate of 4X points at Best Western hotels and 2X points on other purchases.
Best Hotel Credit Cards FAQs
What rewards and perks can you expect with a hotel credit card?
Can you use a hotel credit card for everyday purchases?
Are there any fees associated with using a hotel credit card?
How much is a hotel point worth?
How We Chose the Best Hotel Credit Cards
The best hotel credit cards provide exceptional value through high points earnings, free nights and status upgrades, alongside low fees and appealing sign-up bonuses. Finding the best hotel credit cards meant looking not just into the cards themselves, but into the different hotel chains that co-branded them, among other factors listed below.
| Hotel Rewards | Sign-Up Bonus | Fees | Other Perks |
| 40% | 30% | 20% | 10% |
- Hotel Rewards: Points earning rates for hotel stays, flexibility in redemptions and partner hotel networks.
- Sign-Up Bonus: Value of bonus points or free nights and ease of achieving spending thresholds.
- Fees: Low or no annual fees, no foreign transaction fees and ongoing costs.
- Other Perks: Benefits like elite status upgrades, free nights and travel protections.
Read our full methodology here.
Summary of Money’s Best Hotel Credit Cards of 2025
- Hilton Honors American Express Aspire Card: Best Overall
- Marriott Bonvoy Brilliant® American Express® Card: Best for Luxury Hotel Stays and Dining Benefits
- Choice Privileges® Select Mastercard: Best for High Rewards and Low Fees
- World of Hyatt Credit Card: Best for Free Nights and Flexible Rewards
- Best Western Rewards® Premium Visa Signature® Card: Best for Affordable Stays
To see rates and fees for the Hilton Honors American Express Aspire Card, please visit this link. Terms apply.
To see rates and fees for the Marriott Bonvoy Brilliant® American Express® Card, please visit this link. Terms apply.
* Insurance disclosures for American Express Cards on this page:
Trip Delay Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
Extended Warranty, Purchase Protection, Baggage Insurance Plan: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Car Rental Loss & Damage Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.