Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
American Express cards ranked by earn rate on hotels spending.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Hotels. Order can differ from that column because ranking adds the adjustments above.
Amex
Side-by-side view of the ranked picks.
| Card | Hotels Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| The Platinum Card from American ExpressAmex | 5x Membership Rewards | 7.5¢/$ | $895 | $667.50 | amex |
| American Express Gold CardAmex | 5x Membership Rewards | 7.5¢/$ | $325 | $152 | amex |
| Hilton Honors American Express Aspire CardAmex | 14x Hilton Honors | 5.6¢/$ | $550 | $100 | amex |
| Hilton Honors American Express CardAmex | 7x Hilton Honors | 2.8¢/$ | $0 | — | amex |
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Amex
Amex
| Delta SkyMiles Platinum American Express CardAmex | 3x SkyMiles | 3.0¢/$ | $350 | $60 | amex |
| TAP Miles&Go American Express®Cardless | 2x TAP Miles&Go | 2.0¢/$ | $79 | — | amex |
| Rakuten American Express CardFirst Electronic Bank | 1% cash back | 1.6¢/$ | $0 | — | amex |
| Delta SkyMiles Blue American Express CardAmex | 1x SkyMiles | 1.0¢/$ | $0 | — | amex |
| Navy Federal More Rewards American Express®Navy Federal | 1x points | 1.0¢/$ | $0 | — | amex |
| USAA Cashback Rewards Plus American Express CardUsaa | 1% cash back | 1.0¢/$ | $0 | — | amex |
