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.
Ranked by hotel value — earn rates, free nights, elite status, and transfer partners.
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 $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Hotels. Order can differ from that column because ranking adds the adjustments above.
Capital One
Side-by-side view of the ranked picks.
| Card | Hotels Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Capital One Venture X Rewards Credit CardCapital One | 10x Venture Miles | 18.5¢/$ | $395 | — | visa |
| Citi Strata Premier CardCiti | 10x ThankYou Points | 16.0¢/$ | $95 | — | mastercard |
| Citi / AAdvantage Executive World Elite MastercardCiti | 12x AAdvantage | 12.0¢/$ | $695 | $60 | mastercard |
| Capital One VentureOne Rewards Credit CardCapital One | 5x Venture Miles | 9.3¢/$ | $0 |
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Citi
Citi
| — |
| mastercard |
| The Platinum Card from American ExpressAmex | 5x Membership Rewards | 7.5¢/$ | $895 | $667.50 | amex |
| Capital One Venture Rewards Credit CardCapital One | 5x Venture Miles | 9.3¢/$ | $95 | — | mastercard |
| Chase Sapphire ReserveChase | 4x Ultimate Rewards | 7.2¢/$ | $795 | $360 | visa |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 5x Wells Fargo Rewards | 6.3¢/$ | $95 | — | visa |
| U.S. Bank Altitude Connect Visa Signature CardUsbank | 5x Usbank Altitude Rewards | 5.0¢/$ | $0 | — | visa |
| Chase Freedom FlexChase | 5x Ultimate Rewards | 5.4¢/$ | $0 | $30 | mastercard |
