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Best Credit Cards for Hotels.com

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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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.

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Best Credit Cards for Hotels.com

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:Hotels+1 moreCached
75%
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139 matches1044ms

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

1

Capital One Venture X Rewards Credit Card

Capital One

10x Venture Miles on Hotels via Portal
10x × 1.9¢/pt = 18.5¢ per dollar

Why this card

  1. 1.10x on Hotels & Lodging — points worth 1.9¢ each ($773.04/yr on $6,000 spend)
  2. 2.$240/yr $300 Annual Capital One Travel Credit
  3. 3.Primary Auto Rental Collision Damage Waiver
  4. 4.Priority Pass Lounge Access
  5. 5.Capital One Lounge Access
VISACore Rate
12.9¢
per dollar on hotels
$395/yr
Annual rewards$773.04
− Annual fee$395
Net annual value$378.04
Citi Strata Premier Card
2

Citi Strata Premier Card

Citi

10x ThankYou Points on Hotels via Portal
10x × 1.6¢/pt = 16.0¢ per dollar

Why this card

  1. 1.10x on Hotels & Lodging — points worth 1.6¢ each ($612.34/yr on $6,000 spend)
  2. 2.Trip Delay Protection
  3. 3.Lost or Damaged Luggage Insurance
  4. 4.$60/yr Annual Hotel Savings Benefit
  5. 5.$20/yr Lyft Credits
MASTERCARDCore Rate
10.2¢
per dollar on hotels
$95/yr
Annual rewards$612.34
− Annual fee$95
Net annual value$517.34
3

The Platinum Card from American Express

Amex

5x Membership Rewards on Hotels via Portal
5x × 1.5¢/pt = 7.5¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.5¢ each ($324/yr on $6,000 spend)
  2. 2.$300/yr Fine Hotels + Resorts / Hotel Collection Credit
  3. 3.$100/yr Airline Fee Credit
  4. 4.Premium Car Rental Protection (Optional)
  5. 5.$120/yr Uber Credit

$248 in credits offset the $895 fee

AMEXCore Rate
5.4¢
per dollar on hotels
$895/yr($248 in credits)
Annual rewards$324
+ Credits$248
− Annual fee$895
Net annual value-$323

Bonus rate on first $500,000/annual, then base rate

Chase Sapphire Reserve
4

Chase Sapphire Reserve

Chase

4x Ultimate Rewards on Hotels via Direct
4x × 1.8¢/pt = 7.2¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 1.8¢ each ($344.98/yr on $6,000 spend)
  2. 2.$240/yr Annual Travel Credit
  3. 3.$125/yr Select Hotels Credit (2026)
  4. 4.Air Canada Maple Leaf Lounge Access
  5. 5.Chase Sapphire Lounge by The Club
VISACore Rate
5.7¢
per dollar on hotels
$795/yr($12 in credits)
Annual rewards$344.98
+ Credits$12
− Annual fee$795
Net annual value-$438.02
Citi / AAdvantage Executive World Elite Mastercard
5

Citi / AAdvantage Executive World Elite Mastercard

Citi

12x AAdvantage on Hotels via Portal
12x × 1.0¢/pt = 12.0¢ per dollar

Why this card

  1. 1.12x on Hotels & Lodging — points worth 1.0¢ each ($406.29/yr on $6,000 spend)
  2. 2.Admirals Club Membership
  3. 3.First Checked Bag Free
  4. 4.$120/yr Global Entry or TSA PreCheck Credit
  5. 5.$60/yr Lyft Credits
MASTERCARDCore Rate
6.8¢
per dollar on hotels
$695/yr
Annual rewards$406.29
− Annual fee$695
Net annual value-$288.71
Capital One VentureOne Rewards Credit Card
6

Capital One VentureOne Rewards Credit Card

Capital One

5x Venture Miles on Hotels via Portal
5x × 1.9¢/pt = 9.3¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.9¢ each ($373.63/yr on $6,000 spend)
  2. 2.Mastercard Travel & Lifestyle Services

No annual fee

MASTERCARDCore Rate
6.2¢
per dollar on hotels
No annual fee
Annual rewards$373.63
Net annual value$373.63
Wells Fargo Autograph Journey Visa Credit Card
7

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

5x Wells Fargo Rewards on Hotels via Direct
5x × 1.3¢/pt = 6.3¢ per dollar
Up to 8.0¢/$ (1.6¢/pt)via Choice Privileges

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.3¢ each ($268.39/yr on $6,000 spend)
  2. 2.$25/yr $50 annual statement credit
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges
  5. 5.$5/yr Booking.com Travel Credits
VISACore Rate
4.5¢
per dollar on hotels
$95/yr
Annual rewards$268.39
− Annual fee$95
Net annual value$173.39
8

Bilt Palladium Card

Cardless

2x Bilt Rewards on Hotels
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 2.2¢ each ($264.00/yr on $6,000 spend)
  2. 2.$200/yr $400 Bilt Travel Hotel credit
  3. 3.Priority Pass Airport Lounge Access
  4. 4.MasterRental Coverage
  5. 5.Mastercard Hotels & Resorts Collection
MASTERCARDCore Rate
4.4¢
per dollar on hotels
$495/yr
Annual rewards$264.00
− Annual fee$495
Net annual value-$231.00
U.S. Bank Altitude Connect Visa Signature Card
9

U.S. Bank Altitude Connect Visa Signature Card

Usbank

5x Usbank Altitude Rewards on Hotels via Portal
5x × 1.0¢/pt = 5.0¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.0¢ each ($195.43/yr on $6,000 spend)
  2. 2.Rental Car Damage Coverage
  3. 3.$72/yr TSA PreCheck® or Global Entry®
  4. 4.$60/yr TSA PreCheck or Global Entry Credit
  5. 5.Auto Rental Collision Damage Waiver
VISACore Rate
3.3¢
per dollar on hotels
No annual fee
Annual rewards$195.43
Net annual value$195.43
Capital One Venture Rewards Credit Card
10

Capital One Venture Rewards Credit Card

Capital One

5x Venture Miles on Hotels via Portal
5x × 1.9¢/pt = 9.3¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.9¢ each ($313.18/yr on $6,000 spend)
  2. 2.$180/yr $300 Capital One Travel Stays Credit (First Year)
  3. 3.$72/yr Global Entry or TSA PreCheck Credit
  4. 4.Hertz Five Star Status
  5. 5.$20/yr Lyft Credits
MASTERCARDCore Rate
5.2¢
per dollar on hotels
$95/yr
Annual rewards$313.18
− Annual fee$95
Net annual value$218.18
11

BMO Escape

Bmo

3x points on Hotels

Why this card

  1. 1.3x on Hotels & Lodging ($137.57/yr on $6,000 spend)
  2. 2.$144/yr Unwind with a $240 hotel credit
  3. 3.PriorityPass Airport Lounge Access
  4. 4.MasterRental Car Rental Coverage
  5. 5.Travel Assistance Services

$12.50 in credits offset the $150 fee

MASTERCARDCore Rate
2.3¢
per dollar on hotels
$150/yr($12.50 in credits)
Annual rewards$137.57
+ Credits$12.50
− Annual fee$150
Net annual value$0.07

Bonus rate on first $3,000/quarterly, then base rate

Hilton Honors American Express Aspire Card
12

Hilton Honors American Express Aspire Card

Amex

14x Hilton Honors on Hotels
14x × 0.4¢/pt = 5.6¢ per dollar

Why this card

  1. 1.14x on Hotels & Lodging — points worth 0.4¢ each ($224.57/yr on $6,000 spend)
  2. 2.$240/yr Hilton Resort Statement Credit
  3. 3.Second Free Night Reward After $60,000 Spend
  4. 4.Free Night Reward After $30,000 Spend
  5. 5.Annual Free Night Reward
AMEXCore Rate
3.7¢
per dollar on hotels
$550/yr($100 in credits)
Annual rewards$224.57
+ Credits$100
− Annual fee$550
Net annual value-$225.43
Citi Strata Elite℠ Card
13

Citi Strata Elite℠ Card

Citi

1.5x ThankYou Points on Hotels
1.5x × 1.6¢/pt = 2.4¢ per dollar

Why this card

  1. 1.Priority Pass™ Select membership
  2. 2.$150/yr Up to $300 Annual Hotel Benefit
  3. 3.$72/yr Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
  4. 4.American Airlines Admirals Club® Lounge Access Passes
  5. 5.MasterRental Coverage

$597.50 in credits fully offsets the $595 fee

MASTERCARD
2.4¢
per dollar on hotels
$595/yr($597.50 in credits)
Annual rewards$144
+ Credits$597.50
− Annual fee$595
Net annual value$146.50
14

TD Double Up Credit Card

Td Bank

2% cash back on Hotels

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.$5/yr Booking.com Travel Credits
  4. 4.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
2.0¢
per dollar on hotels
No annual fee
Annual rewards$120
Net annual value$120
Capital One QuicksilverOne Cash Rewards Credit Card
15

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One

5% cash back on Hotels via Portal

Why this card

  1. 1.5% cash back on Hotels & Lodging ($208.50/yr on $6,000 spend)
MASTERCARDCore Rate
3.5¢
per dollar on hotels
$39/yr
Annual rewards$208.50
− Annual fee$39
Net annual value$169.50
16

One Key+ Card

Wells Fargo

2% cash back on Hotels

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.$20/yr Lyft Credits
  3. 3.$15/yr Mastercard Transit Benefit
  4. 4.Mastercard Hotels & Resorts Collection
  5. 5.Common Carrier Travel Accident Insurance
MASTERCARD
2.0¢
per dollar on hotels
$99/yr
Annual rewards$120
− Annual fee$99
Net annual value$21
United Quest Card
17

United Quest Card

Chase

5x MileagePlus on Hotels via Portal
5x × 1.0¢/pt = 5.0¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.0¢ each ($157.71/yr on $6,000 spend)
  2. 2.$160/yr $200 annual United travel credit
  3. 3.Free First and Second Checked Bags
  4. 4.$75/yr Up to $150 in credits for Renowned Hotels and Resorts for United® Cardmembers
  5. 5.$25/yr 25% Back on Inflight Purchases
VISACore Rate
2.6¢
per dollar on hotels
$350/yr($90 in credits)
Annual rewards$157.71
+ Credits$90
− Annual fee$350
Net annual value-$102.29
American Express Gold Card
18

American Express Gold Card

Amex

5x Membership Rewards on Hotels via Portal
5x × 1.5¢/pt = 7.5¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.5¢ each ($297/yr on $6,000 spend)
  2. 2.$60/yr $120 Uber Cash
  3. 3.The Hotel Collection
  4. 4.Car Rental Loss and Damage Insurance
  5. 5.Global Assist Hotline

$6.08 in credits offset the $325 fee

AMEXCore Rate
5.0¢
per dollar on hotels
$325/yr($6.08 in credits)
Annual rewards$297
+ Credits$6.08
− Annual fee$325
Net annual value-$21.92
British Airways Visa Signature® Credit Card
19

British Airways Visa Signature® Credit Card

Chase

2x British Airways Club on Hotels via Direct
2x × 1.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 1.0¢ each ($108/yr on $6,000 spend)
  2. 2.$300/yr Up to $600 Reward Flight Statement Credits
  3. 3.10% Off British Airways Flights
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Travel Together Ticket
VISACore Rate
1.8¢
per dollar on hotels
$95/yr($60 in credits)
Annual rewards$108
+ Credits$60
− Annual fee$95
Net annual value$73
Bilt Blue Card
20

Bilt Blue Card

Cardless

1x Bilt Rewards on Hotels
1x × 2.2¢/pt = 2.2¢ per dollar

Why this card

  1. 1.MasterRental Coverage

No annual fee

MASTERCARD
2.2¢
per dollar on hotels
No annual fee
Annual rewards$132.00
Net annual value$132.00
21

TAP Miles&Go American Express®

Cardless

2x TAP Miles&Go on Hotels

Why this card

  1. 1.2x on Hotels & Lodging ($93.86/yr on $6,000 spend)
  2. 2.Lounge passes
  3. 3.Preferred boarding
AMEXCore Rate
1.6¢
per dollar on hotels
$79/yr
Annual rewards$93.86
− Annual fee$79
Net annual value$14.86
The AARP® Travel Rewards Mastercard®
22

The AARP® Travel Rewards Mastercard®

Barclays

3% cash back on Hotels

Why this card

  1. 1.3% cash back on Hotels & Lodging ($128.57/yr on $6,000 spend)

No annual fee

MASTERCARDCore Rate
2.1¢
per dollar on hotels
No annual fee
Annual rewards$128.57
Net annual value$128.57
U.S. Bank Shield Visa Card
23

U.S. Bank Shield Visa Card

Usbank

4% cash back on Hotels via Portal

Why this card

  1. 1.4% cash back on Hotels & Lodging ($171.43/yr on $6,000 spend)

No annual fee

VISACore Rate
2.9¢
per dollar on hotels
No annual fee($10 in credits)
Annual rewards$171.43
+ Credits$10
Net annual value$181.43
Fidelity Rewards Visa Signature Card
24

Fidelity Rewards Visa Signature Card

Elan Financial

2% cash back on Hotels

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.$5/yr Booking.com Travel Credits
  4. 4.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
2.0¢
per dollar on hotels
No annual fee
Annual rewards$120
Net annual value$120
BJ's One+™ Mastercard®
25

BJ's One+™ Mastercard®

Capital One

2% cash back on Hotels

Why this card

  1. 1.$20/yr Lyft Credits
  2. 2.$15/yr Mastercard Transit Benefit
  3. 3.Mastercard Hotels & Resorts Collection
  4. 4.Mastercard Travel & Lifestyle Services

No annual fee

MASTERCARD
2.0¢
per dollar on hotels
No annual fee
Annual rewards$120
Net annual value$120
Rakuten American Express Card
26

Rakuten American Express Card

First Electronic Bank

1% cash back on Hotels

Convertible Cash Back — 1.0–2.0¢/$

This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

Why this card

  1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

No annual fee

AMEXConvertible
1.0–2.0¢
per dollar on hotels
depending on redemption
No annual fee
Annual rewards$94
Net annual value$94
Wells Fargo Active Cash Card
27

Wells Fargo Active Cash Card

Wells Fargo

2% cash back on Hotels
Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

Why this card

  1. 1.Visa Signature Rental Car Privileges
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Emergency Cash and Card Replacement
  4. 4.Roadside Dispatch
  5. 5.$5/yr Booking.com Travel Credits
VISA
2.0¢
per dollar on hotels
No annual fee
Annual rewards$120
Net annual value$120
Synchrony Premier Mastercard
28

Synchrony Premier Mastercard

Synchrony

2% cash back on Hotels

Why this card

    No annual fee

    MASTERCARD
    2.0¢
    per dollar on hotels
    No annual fee
    Annual rewards$120
    Net annual value$120
    29

    SoFi Credit Card

    Sofi

    3% cash back on Hotels via Portal

    Why this card

    1. 1.3% cash back on Hotels & Lodging ($119.23/yr on $6,000 spend)

    No annual fee

    MASTERCARDCore Rate
    2.0¢
    per dollar on hotels
    No annual fee
    Annual rewards$119.23
    Net annual value$119.23
    Marriott Bonvoy Boundless Credit Card
    30

    Marriott Bonvoy Boundless Credit Card

    Chase

    2x Marriott Bonvoy on Hotels
    2x × 0.7¢/pt = 1.4¢ per dollar

    Why this card

    1. 1.Annual Free Night Award
    2. 2.$60/yr $100 Annual Airline Credit (2026)
    3. 3.Automatic Silver Elite Status
    4. 4.Path to Gold Elite Status
    5. 5.Auto Rental Collision Damage Waiver
    VISA
    1.4¢
    per dollar on hotels
    $95/yr
    Annual rewards$84
    − Annual fee$95
    Net annual value-$11