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best card for wyndham hotels & resorts online

Here you can add a description about your company or product

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Results from

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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 ($1,110/yr on $6,000 spend)
  2. 2.$240/yr $300 Annual Capital One Travel Credit
  3. 3.Priority Pass Lounge Access
  4. 4.Capital One Lounge Access
  5. 5.Partner Lounge Network
VISA
Core Rate
18.5¢
per dollar on hotels
$395/yr
Annual rewards$1,110
\u2212 Annual fee$395
Net annual value$715
Citi Strata Premier Card
2

Citi Strata Premier Card

Citi

10x ThankYou Points on Hotels via Portal
10x × 1.5¢/pt = 15.0¢ per dollar

Why this card

  1. 1.10x on Hotels & Lodging — points worth 1.5¢ each ($900/yr on $6,000 spend)
  2. 2.$60/yr Annual Hotel Savings Benefit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.Travel Protection Benefits
MASTERCARD
Core Rate
15.0¢
per dollar on hotels
$95/yr
Annual rewards$900
\u2212 Annual fee$95
Net annual value$805
No image
3

The Platinum Card from American Express

Amex

5x Membership Rewards on Hotels via Portal
5x × 1.8¢/pt = 9.0¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.8¢ each ($540/yr on $6,000 spend)
  2. 2.$300/yr Fine Hotels + Resorts / Hotel Collection Credit
  3. 3.$120/yr Uber Credit
  4. 4.$100/yr Airline Fee Credit
  5. 5.$60/yr Uber One Membership Credit
AMEX
Core Rate
9.0¢
per dollar on hotels
$895/yr($697.50 in credits)
Annual rewards$540
+ Credits$697.50
\u2212 Annual fee$895
Net annual value$342.50
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 ($432/yr on $6,000 spend)
  2. 2.$240/yr Annual Travel Credit
  3. 3.$125/yr Select Hotels Credit (2026)
  4. 4.$60/yr Lyft Monthly Credit
  5. 5.Priority Pass Select Membership
VISA
Core Rate
7.2¢
per dollar on hotels
$795/yr($868 in credits)
Annual rewards$432
+ Credits$868
\u2212 Annual fee$795
Net annual value$505
Capital One Venture Rewards Credit Card
5

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 ($555/yr on $6,000 spend)
  2. 2.$150/yr $250 Capital One Travel Credit (First Year)
  3. 3.$72/yr Global Entry or TSA PreCheck Credit
  4. 4.$20/yr Lyft Credits
  5. 5.Hertz Five Star Status
MASTERCARD
Core Rate
9.3¢
per dollar on hotels
$95/yr
Annual rewards$555
\u2212 Annual fee$95
Net annual value$460
Wells Fargo Autograph Journey Visa Credit Card
6

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

5x Wells Fargo Rewards on Hotels via Direct
5x × 1.5¢/pt = 7.5¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.5¢ each ($450/yr on $6,000 spend)
  2. 2.$25/yr $50 annual statement credit
  3. 3.Travel and Emergency Services Assistance
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Visa Signature Rental Car Privileges
VISA
Core Rate
7.5¢
per dollar on hotels
$95/yr
Annual rewards$450
\u2212 Annual fee$95
Net annual value$355
Capital One VentureOne Rewards Credit Card
7

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 ($555/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
9.3¢
per dollar on hotels
No annual fee
Annual rewards$555
Net annual value$555
No image
8

Bilt Palladium Card

Cardless

2x Bilt Rewards on Hotels
2x × 2.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 2.0¢ each ($240/yr on $6,000 spend)
  2. 2.$200/yr $400 Bilt Travel Hotel credit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.MasterRental Coverage
MASTERCARD
Core Rate
4.0¢
per dollar on hotels
$495/yr($100 in credits)
Annual rewards$240
+ Credits$100
\u2212 Annual fee$495
Net annual value-$155
U.S. Bank Altitude Connect Visa Signature Card
9

U.S. Bank Altitude Connect Visa Signature Card

Usbank

4x Usbank Altitude Rewards on Hotels
4x × 1.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 1.0¢ each ($240/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$60/yr TSA PreCheck or Global Entry Credit
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Airport lounge access
VISA
Core Rate
4.0¢
per dollar on hotels
No annual fee
Annual rewards$240
Net annual value$240
Chase Freedom Flex
10

Chase Freedom Flex

Chase

5x Ultimate Rewards on Hotels via Portal
5x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits

No annual fee

MASTERCARD
Core Rate
5.4¢
per dollar on hotels
No annual fee($30 in credits)
Annual rewards$324.00
+ Credits$30
Net annual value$354.00
American Express Green Card
11

American Express Green Card

Amex

3x Membership Rewards on Hotels
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$60/yr LoungeBuddy Credit
  3. 3.$105/yr CLEAR Plus Credit
  4. 4.Premium Global Assist Hotline
  5. 5.Global Assist Hotline
AMEX
Core Rate
5.4¢
per dollar on hotels
$150/yr
Annual rewards$324.00
\u2212 Annual fee$150
Net annual value$174.00
Citi Custom Cash Card
12

Citi Custom Cash Card

Citi

5% cash back on Hotels

Why this card

  1. 1.5% cash back on Hotels & Lodging ($300/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Lyft Credits
  4. 4.$20/yr Lyft Credits

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on hotels
No annual fee
Annual rewards$300
Net annual value$300

Bonus rate on first $500/monthly, then base rate

Savor Rewards from Capital One
13

Savor Rewards from Capital One

Capital One

5% cash back on Hotels via Portal

Why this card

  1. 1.5% cash back on Hotels & Lodging ($300/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.Hertz Five Star Status
  5. 5.24-Hour Travel Assistance Services

No annual fee

MASTERCARD
Core Rate
5.0¢
per dollar on hotels
No annual fee($119.88 in credits)
Annual rewards$300
+ Credits$119.88
Net annual value$419.88
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14

PenFed Pathfinder Rewards Visa Signature Card

Penfed

4x Penfed Honors Advantage on Hotels
4x × 0.9¢/pt = 3.7¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 0.9¢ each ($222/yr on $6,000 spend)
  2. 2.Priority Pass Select Membership
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.$25/yr Global Entry or TSA PreCheck Credit
  5. 5.Visa Signature Rental Car Privileges
VISA
Core Rate
3.7¢
per dollar on hotels
$95/yr($50 in credits)
Annual rewards$222
+ Credits$50
\u2212 Annual fee$95
Net annual value$177
Quicksilver Secured Rewards
15

Quicksilver Secured Rewards

Capital One

5% cash back on Hotels

Why this card

  1. 1.5% cash back on Hotels & Lodging ($300/yr on $6,000 spend)
  2. 2.Emergency Card Replacement

No annual fee

MASTERCARD
Core Rate
5.0¢
per dollar on hotels
No annual fee
Annual rewards$300
Net annual value$300
Wells Fargo Autograph Visa Credit Card
16

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Hotels
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)
VISA
Core Rate
4.5¢
per dollar on hotels
No annual fee
Annual rewards$270
Net annual value$270
No image
17

One Key+ Card

Wells Fargo

3x One Key on Hotels
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Common Carrier Travel Accident Insurance

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180
IHG One Rewards Premier Credit Card
18

IHG One Rewards Premier Credit Card

Chase

5x Ihg One Rewards on Hotels
5x × 0.6¢/pt = 3.0¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 0.6¢ each ($180/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$72/yr Global Entry, TSA PreCheck or NEXUS Statement Credit
  4. 4.$20/yr Lyft Credits
MASTERCARD
Core Rate
3.0¢
per dollar on hotels
$99/yr
Annual rewards$180
\u2212 Annual fee$99
Net annual value$81
Bilt Obsidian Card
19

Bilt Obsidian Card

Cardless

2x Bilt Rewards on Hotels
2x × 2.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 2.0¢ each ($240/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits
  3. 3.MasterRental Coverage

$80 in credits offset the $95 fee

MASTERCARD
Core Rate
4.0¢
per dollar on hotels
$95/yr($80 in credits)
Annual rewards$240
+ Credits$80
\u2212 Annual fee$95
Net annual value$225
No image
20

BMO Escape

Bmo

3x points on Hotels

Why this card

  1. 1.3x on Hotels & Lodging ($180/yr on $6,000 spend)
  2. 2.PriorityPass Airport Lounge Access
  3. 3.$25/yr Unwind with a $240 hotel credit
  4. 4.MasterRental Car Rental Coverage

$12.50 in credits offset the $150 fee

MASTERCARD
Core Rate
3.0¢
per dollar on hotels
$150/yr($12.50 in credits)
Annual rewards$180
+ Credits$12.50
\u2212 Annual fee$150
Net annual value$42.50

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

Chase Sapphire Preferred Card
21

Chase Sapphire Preferred Card

Chase

2x Ultimate Rewards on Hotels via Direct
2x × 1.8¢/pt = 3.6¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 1.8¢ each ($216/yr on $6,000 spend)
  2. 2.$25/yr $50 Annual Hotel Credit
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Auto Rental Coverage
  5. 5.Complimentary 4th night at Ennismore Hotel properties
VISA
Core Rate
3.6¢
per dollar on hotels
$95/yr($60 in credits)
Annual rewards$216
+ Credits$60
\u2212 Annual fee$95
Net annual value$181
U.S. Bank Shield Visa Card
22

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 ($240/yr on $6,000 spend)

No annual fee

VISA
Core Rate
4.0¢
per dollar on hotels
No annual fee($10 in credits)
Annual rewards$240
+ Credits$10
Net annual value$250
Navy Federal Flagship Rewards® Card
23

Navy Federal Flagship Rewards® Card

Navy Federal

3x Navy Federal Nrewards on Hotels
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180
No image
24

Venmo Credit Card

Synchrony

3x Cashback on Hotels
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180
Bank of America Customized Cash Rewards Credit Card
25

Bank of America Customized Cash Rewards Credit Card

Bank Of America

3x Bank Of America Points on Hotels
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $2,500/quarterly, then base rate

Navy Federal Visa Signature® Flagship Rewards
26

Navy Federal Visa Signature® Flagship Rewards

Navy Federal

3x points on Hotels

Why this card

  1. 1.3x on Hotels & Lodging ($180/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.Global Entry or TSA Pre®
  5. 5.$5/yr Booking.com Travel Credits
VISA
Core Rate
3.0¢
per dollar on hotels
$49/yr
Annual rewards$180
\u2212 Annual fee$49
Net annual value$131
No image
27

Sam's Club Mastercard

Synchrony

3% cash back on Hotels

Why this card

  1. 1.3% cash back on Hotels & Lodging ($180/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180
Quicksilver Rewards for Good Credit
28

Quicksilver Rewards for Good Credit

Capital One

5x points on Hotels

Why this card

  1. 1.5x on Hotels & Lodging ($300/yr on $6,000 spend)
  2. 2.Roadside Assistance

No annual fee

MASTERCARD
Core Rate
5.0¢
per dollar on hotels
No annual fee
Annual rewards$300
Net annual value$300
Citi Strata Credit Card
29

Citi Strata Credit Card

Citi

5x ThankYou Points on Hotels via Portal
5x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.Airport Lounge Access
  3. 3.$50/yr Global Entry or TSA PreCheck Credit
  4. 4.$50/yr $300 Annual Travel Credit

No annual fee

MASTERCARD
Core Rate
4.5¢
per dollar on hotels
No annual fee
Annual rewards$270
Net annual value$270
Citi Strata Elite℠ Card
30

Citi Strata Elite℠ Card

Citi

1.5x ThankYou Points on Hotels
1.5x × 1.5¢/pt = 1.9¢ per dollar

Why this card

  1. 1.$150/yr Up to $300 Annual Hotel Benefit
  2. 2.Priority Pass™ Select membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.American Airlines Admirals Club® Lounge Access Passes

$597.50 in credits fully offsets the $595 fee

MASTERCARD
1.9¢
per dollar on hotels
$595/yr($597.50 in credits)
Annual rewards$114.75
+ Credits$597.50
\u2212 Annual fee$595
Net annual value$117.25

Results from

$6,000

Scoring mode

Options

Point valuation

Booking

Rewards

Programs

Networks

Refine results

Domestic or international travel?

No annual fee only?

Avoid Amex network?

Already have a premium card?

Resolved as:Hotels
Cached
85%
Not right? Try:
88 matches3343ms
No image
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 ($1,110/yr on $6,000 spend)
  2. 2.$240/yr $300 Annual Capital One Travel Credit
  3. 3.Priority Pass Lounge Access
  4. 4.Capital One Lounge Access
  5. 5.Partner Lounge Network
VISA
Core Rate
18.5¢
per dollar on hotels
$395/yr
Annual rewards$1,110
\u2212 Annual fee$395
Net annual value$715
Citi Strata Premier Card
2

Citi Strata Premier Card

Citi

10x ThankYou Points on Hotels via Portal
10x × 1.5¢/pt = 15.0¢ per dollar

Why this card

  1. 1.10x on Hotels & Lodging — points worth 1.5¢ each ($900/yr on $6,000 spend)
  2. 2.$60/yr Annual Hotel Savings Benefit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.Travel Protection Benefits
MASTERCARD
Core Rate
15.0¢
per dollar on hotels
$95/yr
Annual rewards$900
\u2212 Annual fee$95
Net annual value$805
No image
3

The Platinum Card from American Express

Amex

5x Membership Rewards on Hotels via Portal
5x × 1.8¢/pt = 9.0¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.8¢ each ($540/yr on $6,000 spend)
  2. 2.$300/yr Fine Hotels + Resorts / Hotel Collection Credit
  3. 3.$120/yr Uber Credit
  4. 4.$100/yr Airline Fee Credit
  5. 5.$60/yr Uber One Membership Credit
AMEX
Core Rate
9.0¢
per dollar on hotels
$895/yr($697.50 in credits)
Annual rewards$540
+ Credits$697.50
\u2212 Annual fee$895
Net annual value$342.50
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 ($432/yr on $6,000 spend)
  2. 2.$240/yr Annual Travel Credit
  3. 3.$125/yr Select Hotels Credit (2026)
  4. 4.$60/yr Lyft Monthly Credit
  5. 5.Priority Pass Select Membership
VISA
Core Rate
7.2¢
per dollar on hotels
$795/yr($868 in credits)
Annual rewards$432
+ Credits$868
\u2212 Annual fee$795
Net annual value$505
Capital One Venture Rewards Credit Card
5

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 ($555/yr on $6,000 spend)
  2. 2.$150/yr $250 Capital One Travel Credit (First Year)
  3. 3.$72/yr Global Entry or TSA PreCheck Credit
  4. 4.$20/yr Lyft Credits
  5. 5.Hertz Five Star Status
MASTERCARD
Core Rate
9.3¢
per dollar on hotels
$95/yr
Annual rewards$555
\u2212 Annual fee$95
Net annual value$460
Wells Fargo Autograph Journey Visa Credit Card
6

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

5x Wells Fargo Rewards on Hotels via Direct
5x × 1.5¢/pt = 7.5¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.5¢ each ($450/yr on $6,000 spend)
  2. 2.$25/yr $50 annual statement credit
  3. 3.Travel and Emergency Services Assistance
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Visa Signature Rental Car Privileges
VISA
Core Rate
7.5¢
per dollar on hotels
$95/yr
Annual rewards$450
\u2212 Annual fee$95
Net annual value$355
Capital One VentureOne Rewards Credit Card
7

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 ($555/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
9.3¢
per dollar on hotels
No annual fee
Annual rewards$555
Net annual value$555
No image
8

Bilt Palladium Card

Cardless

2x Bilt Rewards on Hotels
2x × 2.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 2.0¢ each ($240/yr on $6,000 spend)
  2. 2.$200/yr $400 Bilt Travel Hotel credit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.MasterRental Coverage
MASTERCARD
Core Rate
4.0¢
per dollar on hotels
$495/yr($100 in credits)
Annual rewards$240
+ Credits$100
\u2212 Annual fee$495
Net annual value-$155
U.S. Bank Altitude Connect Visa Signature Card
9

U.S. Bank Altitude Connect Visa Signature Card

Usbank

4x Usbank Altitude Rewards on Hotels
4x × 1.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 1.0¢ each ($240/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$60/yr TSA PreCheck or Global Entry Credit
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Airport lounge access
VISA
Core Rate
4.0¢
per dollar on hotels
No annual fee
Annual rewards$240
Net annual value$240
Chase Freedom Flex
10

Chase Freedom Flex

Chase

5x Ultimate Rewards on Hotels via Portal
5x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits

No annual fee

MASTERCARD
Core Rate
5.4¢
per dollar on hotels
No annual fee($30 in credits)
Annual rewards$324.00
+ Credits$30
Net annual value$354.00
American Express Green Card
11

American Express Green Card

Amex

3x Membership Rewards on Hotels
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$60/yr LoungeBuddy Credit
  3. 3.$105/yr CLEAR Plus Credit
  4. 4.Premium Global Assist Hotline
  5. 5.Global Assist Hotline
AMEX
Core Rate
5.4¢
per dollar on hotels
$150/yr
Annual rewards$324.00
\u2212 Annual fee$150
Net annual value$174.00
Citi Custom Cash Card
12

Citi Custom Cash Card

Citi

5% cash back on Hotels

Why this card

  1. 1.5% cash back on Hotels & Lodging ($300/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Lyft Credits
  4. 4.$20/yr Lyft Credits

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on hotels
No annual fee
Annual rewards$300
Net annual value$300

Bonus rate on first $500/monthly, then base rate

Savor Rewards from Capital One
13

Savor Rewards from Capital One

Capital One

5% cash back on Hotels via Portal

Why this card

  1. 1.5% cash back on Hotels & Lodging ($300/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.Hertz Five Star Status
  5. 5.24-Hour Travel Assistance Services

No annual fee

MASTERCARD
Core Rate
5.0¢
per dollar on hotels
No annual fee($119.88 in credits)
Annual rewards$300
+ Credits$119.88
Net annual value$419.88
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14

PenFed Pathfinder Rewards Visa Signature Card

Penfed

4x Penfed Honors Advantage on Hotels
4x × 0.9¢/pt = 3.7¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 0.9¢ each ($222/yr on $6,000 spend)
  2. 2.Priority Pass Select Membership
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.$25/yr Global Entry or TSA PreCheck Credit
  5. 5.Visa Signature Rental Car Privileges
VISA
Core Rate
3.7¢
per dollar on hotels
$95/yr($50 in credits)
Annual rewards$222
+ Credits$50
\u2212 Annual fee$95
Net annual value$177
Quicksilver Secured Rewards
15

Quicksilver Secured Rewards

Capital One

5% cash back on Hotels

Why this card

  1. 1.5% cash back on Hotels & Lodging ($300/yr on $6,000 spend)
  2. 2.Emergency Card Replacement

No annual fee

MASTERCARD
Core Rate
5.0¢
per dollar on hotels
No annual fee
Annual rewards$300
Net annual value$300
Wells Fargo Autograph Visa Credit Card
16

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Hotels
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)
VISA
Core Rate
4.5¢
per dollar on hotels
No annual fee
Annual rewards$270
Net annual value$270
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17

One Key+ Card

Wells Fargo

3x One Key on Hotels
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Common Carrier Travel Accident Insurance

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180
IHG One Rewards Premier Credit Card
18

IHG One Rewards Premier Credit Card

Chase

5x Ihg One Rewards on Hotels
5x × 0.6¢/pt = 3.0¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 0.6¢ each ($180/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$72/yr Global Entry, TSA PreCheck or NEXUS Statement Credit
  4. 4.$20/yr Lyft Credits
MASTERCARD
Core Rate
3.0¢
per dollar on hotels
$99/yr
Annual rewards$180
\u2212 Annual fee$99
Net annual value$81
Bilt Obsidian Card
19

Bilt Obsidian Card

Cardless

2x Bilt Rewards on Hotels
2x × 2.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 2.0¢ each ($240/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits
  3. 3.MasterRental Coverage

$80 in credits offset the $95 fee

MASTERCARD
Core Rate
4.0¢
per dollar on hotels
$95/yr($80 in credits)
Annual rewards$240
+ Credits$80
\u2212 Annual fee$95
Net annual value$225
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20

BMO Escape

Bmo

3x points on Hotels

Why this card

  1. 1.3x on Hotels & Lodging ($180/yr on $6,000 spend)
  2. 2.PriorityPass Airport Lounge Access
  3. 3.$25/yr Unwind with a $240 hotel credit
  4. 4.MasterRental Car Rental Coverage

$12.50 in credits offset the $150 fee

MASTERCARD
Core Rate
3.0¢
per dollar on hotels
$150/yr($12.50 in credits)
Annual rewards$180
+ Credits$12.50
\u2212 Annual fee$150
Net annual value$42.50

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

Chase Sapphire Preferred Card
21

Chase Sapphire Preferred Card

Chase

2x Ultimate Rewards on Hotels via Direct
2x × 1.8¢/pt = 3.6¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 1.8¢ each ($216/yr on $6,000 spend)
  2. 2.$25/yr $50 Annual Hotel Credit
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Auto Rental Coverage
  5. 5.Complimentary 4th night at Ennismore Hotel properties
VISA
Core Rate
3.6¢
per dollar on hotels
$95/yr($60 in credits)
Annual rewards$216
+ Credits$60
\u2212 Annual fee$95
Net annual value$181
U.S. Bank Shield Visa Card
22

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 ($240/yr on $6,000 spend)

No annual fee

VISA
Core Rate
4.0¢
per dollar on hotels
No annual fee($10 in credits)
Annual rewards$240
+ Credits$10
Net annual value$250
Navy Federal Flagship Rewards® Card
23

Navy Federal Flagship Rewards® Card

Navy Federal

3x Navy Federal Nrewards on Hotels
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180
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24

Venmo Credit Card

Synchrony

3x Cashback on Hotels
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180
Bank of America Customized Cash Rewards Credit Card
25

Bank of America Customized Cash Rewards Credit Card

Bank Of America

3x Bank Of America Points on Hotels
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $2,500/quarterly, then base rate

Navy Federal Visa Signature® Flagship Rewards
26

Navy Federal Visa Signature® Flagship Rewards

Navy Federal

3x points on Hotels

Why this card

  1. 1.3x on Hotels & Lodging ($180/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.Global Entry or TSA Pre®
  5. 5.$5/yr Booking.com Travel Credits
VISA
Core Rate
3.0¢
per dollar on hotels
$49/yr
Annual rewards$180
\u2212 Annual fee$49
Net annual value$131
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27

Sam's Club Mastercard

Synchrony

3% cash back on Hotels

Why this card

  1. 1.3% cash back on Hotels & Lodging ($180/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180
Quicksilver Rewards for Good Credit
28

Quicksilver Rewards for Good Credit

Capital One

5x points on Hotels

Why this card

  1. 1.5x on Hotels & Lodging ($300/yr on $6,000 spend)
  2. 2.Roadside Assistance

No annual fee

MASTERCARD
Core Rate
5.0¢
per dollar on hotels
No annual fee
Annual rewards$300
Net annual value$300
Citi Strata Credit Card
29

Citi Strata Credit Card

Citi

5x ThankYou Points on Hotels via Portal
5x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.Airport Lounge Access
  3. 3.$50/yr Global Entry or TSA PreCheck Credit
  4. 4.$50/yr $300 Annual Travel Credit

No annual fee

MASTERCARD
Core Rate
4.5¢
per dollar on hotels
No annual fee
Annual rewards$270
Net annual value$270
Citi Strata Elite℠ Card
30

Citi Strata Elite℠ Card

Citi

1.5x ThankYou Points on Hotels
1.5x × 1.5¢/pt = 1.9¢ per dollar

Why this card

  1. 1.$150/yr Up to $300 Annual Hotel Benefit
  2. 2.Priority Pass™ Select membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.American Airlines Admirals Club® Lounge Access Passes

$597.50 in credits fully offsets the $595 fee

MASTERCARD
1.9¢
per dollar on hotels
$595/yr($597.50 in credits)
Annual rewards$114.75
+ Credits$597.50
\u2212 Annual fee$595
Net annual value$117.25

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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 ($1,110/yr on $6,000 spend)
  2. 2.$240/yr $300 Annual Capital One Travel Credit
  3. 3.Priority Pass Lounge Access
  4. 4.Capital One Lounge Access
  5. 5.Partner Lounge Network
VISA
Core Rate
18.5¢
per dollar on hotels
$395/yr
Annual rewards$1,110
\u2212 Annual fee$395
Net annual value$715
Citi Strata Premier Card
2

Citi Strata Premier Card

Citi

10x ThankYou Points on Hotels via Portal
10x × 1.5¢/pt = 15.0¢ per dollar

Why this card

  1. 1.10x on Hotels & Lodging — points worth 1.5¢ each ($900/yr on $6,000 spend)
  2. 2.$60/yr Annual Hotel Savings Benefit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.Travel Protection Benefits
MASTERCARD
Core Rate
15.0¢
per dollar on hotels
$95/yr
Annual rewards$900
\u2212 Annual fee$95
Net annual value$805
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3

The Platinum Card from American Express

Amex

5x Membership Rewards on Hotels via Portal
5x × 1.8¢/pt = 9.0¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.8¢ each ($540/yr on $6,000 spend)
  2. 2.$300/yr Fine Hotels + Resorts / Hotel Collection Credit
  3. 3.$120/yr Uber Credit
  4. 4.$100/yr Airline Fee Credit
  5. 5.$60/yr Uber One Membership Credit
AMEX
Core Rate
9.0¢
per dollar on hotels
$895/yr($697.50 in credits)
Annual rewards$540
+ Credits$697.50
\u2212 Annual fee$895
Net annual value$342.50
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 ($432/yr on $6,000 spend)
  2. 2.$240/yr Annual Travel Credit
  3. 3.$125/yr Select Hotels Credit (2026)
  4. 4.$60/yr Lyft Monthly Credit
  5. 5.Priority Pass Select Membership
VISA
Core Rate
7.2¢
per dollar on hotels
$795/yr($868 in credits)
Annual rewards$432
+ Credits$868
\u2212 Annual fee$795
Net annual value$505
Capital One Venture Rewards Credit Card
5

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 ($555/yr on $6,000 spend)
  2. 2.$150/yr $250 Capital One Travel Credit (First Year)
  3. 3.$72/yr Global Entry or TSA PreCheck Credit
  4. 4.$20/yr Lyft Credits
  5. 5.Hertz Five Star Status
MASTERCARD
Core Rate
9.3¢
per dollar on hotels
$95/yr
Annual rewards$555
\u2212 Annual fee$95
Net annual value$460
Wells Fargo Autograph Journey Visa Credit Card
6

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

5x Wells Fargo Rewards on Hotels via Direct
5x × 1.5¢/pt = 7.5¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.5¢ each ($450/yr on $6,000 spend)
  2. 2.$25/yr $50 annual statement credit
  3. 3.Travel and Emergency Services Assistance
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Visa Signature Rental Car Privileges
VISA
Core Rate
7.5¢
per dollar on hotels
$95/yr
Annual rewards$450
\u2212 Annual fee$95
Net annual value$355
Capital One VentureOne Rewards Credit Card
7

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 ($555/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
9.3¢
per dollar on hotels
No annual fee
Annual rewards$555
Net annual value$555
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8

Bilt Palladium Card

Cardless

2x Bilt Rewards on Hotels
2x × 2.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 2.0¢ each ($240/yr on $6,000 spend)
  2. 2.$200/yr $400 Bilt Travel Hotel credit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.MasterRental Coverage
MASTERCARD
Core Rate
4.0¢
per dollar on hotels
$495/yr($100 in credits)
Annual rewards$240
+ Credits$100
\u2212 Annual fee$495
Net annual value-$155
U.S. Bank Altitude Connect Visa Signature Card
9

U.S. Bank Altitude Connect Visa Signature Card

Usbank

4x Usbank Altitude Rewards on Hotels
4x × 1.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 1.0¢ each ($240/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$60/yr TSA PreCheck or Global Entry Credit
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Airport lounge access
VISA
Core Rate
4.0¢
per dollar on hotels
No annual fee
Annual rewards$240
Net annual value$240
Chase Freedom Flex
10

Chase Freedom Flex

Chase

5x Ultimate Rewards on Hotels via Portal
5x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits

No annual fee

MASTERCARD
Core Rate
5.4¢
per dollar on hotels
No annual fee($30 in credits)
Annual rewards$324.00
+ Credits$30
Net annual value$354.00
American Express Green Card
11

American Express Green Card

Amex

3x Membership Rewards on Hotels
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.8¢ each ($324.00/yr on $6,000 spend)
  2. 2.$60/yr LoungeBuddy Credit
  3. 3.$105/yr CLEAR Plus Credit
  4. 4.Premium Global Assist Hotline
  5. 5.Global Assist Hotline
AMEX
Core Rate
5.4¢
per dollar on hotels
$150/yr
Annual rewards$324.00
\u2212 Annual fee$150
Net annual value$174.00
Citi Custom Cash Card
12

Citi Custom Cash Card

Citi

5% cash back on Hotels

Why this card

  1. 1.5% cash back on Hotels & Lodging ($300/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Lyft Credits
  4. 4.$20/yr Lyft Credits

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

MASTERCARD
Core Rate
5.0¢
per dollar on hotels
No annual fee
Annual rewards$300
Net annual value$300

Bonus rate on first $500/monthly, then base rate

Savor Rewards from Capital One
13

Savor Rewards from Capital One

Capital One

5% cash back on Hotels via Portal

Why this card

  1. 1.5% cash back on Hotels & Lodging ($300/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.Hertz Five Star Status
  5. 5.24-Hour Travel Assistance Services

No annual fee

MASTERCARD
Core Rate
5.0¢
per dollar on hotels
No annual fee($119.88 in credits)
Annual rewards$300
+ Credits$119.88
Net annual value$419.88
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14

PenFed Pathfinder Rewards Visa Signature Card

Penfed

4x Penfed Honors Advantage on Hotels
4x × 0.9¢/pt = 3.7¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 0.9¢ each ($222/yr on $6,000 spend)
  2. 2.Priority Pass Select Membership
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.$25/yr Global Entry or TSA PreCheck Credit
  5. 5.Visa Signature Rental Car Privileges
VISA
Core Rate
3.7¢
per dollar on hotels
$95/yr($50 in credits)
Annual rewards$222
+ Credits$50
\u2212 Annual fee$95
Net annual value$177
Quicksilver Secured Rewards
15

Quicksilver Secured Rewards

Capital One

5% cash back on Hotels

Why this card

  1. 1.5% cash back on Hotels & Lodging ($300/yr on $6,000 spend)
  2. 2.Emergency Card Replacement

No annual fee

MASTERCARD
Core Rate
5.0¢
per dollar on hotels
No annual fee
Annual rewards$300
Net annual value$300
Wells Fargo Autograph Visa Credit Card
16

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Hotels
3x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)
VISA
Core Rate
4.5¢
per dollar on hotels
No annual fee
Annual rewards$270
Net annual value$270
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17

One Key+ Card

Wells Fargo

3x One Key on Hotels
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Common Carrier Travel Accident Insurance

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180
IHG One Rewards Premier Credit Card
18

IHG One Rewards Premier Credit Card

Chase

5x Ihg One Rewards on Hotels
5x × 0.6¢/pt = 3.0¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 0.6¢ each ($180/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$72/yr Global Entry, TSA PreCheck or NEXUS Statement Credit
  4. 4.$20/yr Lyft Credits
MASTERCARD
Core Rate
3.0¢
per dollar on hotels
$99/yr
Annual rewards$180
\u2212 Annual fee$99
Net annual value$81
Bilt Obsidian Card
19

Bilt Obsidian Card

Cardless

2x Bilt Rewards on Hotels
2x × 2.0¢/pt = 4.0¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 2.0¢ each ($240/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits
  3. 3.MasterRental Coverage

$80 in credits offset the $95 fee

MASTERCARD
Core Rate
4.0¢
per dollar on hotels
$95/yr($80 in credits)
Annual rewards$240
+ Credits$80
\u2212 Annual fee$95
Net annual value$225
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20

BMO Escape

Bmo

3x points on Hotels

Why this card

  1. 1.3x on Hotels & Lodging ($180/yr on $6,000 spend)
  2. 2.PriorityPass Airport Lounge Access
  3. 3.$25/yr Unwind with a $240 hotel credit
  4. 4.MasterRental Car Rental Coverage

$12.50 in credits offset the $150 fee

MASTERCARD
Core Rate
3.0¢
per dollar on hotels
$150/yr($12.50 in credits)
Annual rewards$180
+ Credits$12.50
\u2212 Annual fee$150
Net annual value$42.50

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

Chase Sapphire Preferred Card
21

Chase Sapphire Preferred Card

Chase

2x Ultimate Rewards on Hotels via Direct
2x × 1.8¢/pt = 3.6¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 1.8¢ each ($216/yr on $6,000 spend)
  2. 2.$25/yr $50 Annual Hotel Credit
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Auto Rental Coverage
  5. 5.Complimentary 4th night at Ennismore Hotel properties
VISA
Core Rate
3.6¢
per dollar on hotels
$95/yr($60 in credits)
Annual rewards$216
+ Credits$60
\u2212 Annual fee$95
Net annual value$181
U.S. Bank Shield Visa Card
22

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 ($240/yr on $6,000 spend)

No annual fee

VISA
Core Rate
4.0¢
per dollar on hotels
No annual fee($10 in credits)
Annual rewards$240
+ Credits$10
Net annual value$250
Navy Federal Flagship Rewards® Card
23

Navy Federal Flagship Rewards® Card

Navy Federal

3x Navy Federal Nrewards on Hotels
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180
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24

Venmo Credit Card

Synchrony

3x Cashback on Hotels
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180
Bank of America Customized Cash Rewards Credit Card
25

Bank of America Customized Cash Rewards Credit Card

Bank Of America

3x Bank Of America Points on Hotels
3x × 1.0¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($180/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $2,500/quarterly, then base rate

Navy Federal Visa Signature® Flagship Rewards
26

Navy Federal Visa Signature® Flagship Rewards

Navy Federal

3x points on Hotels

Why this card

  1. 1.3x on Hotels & Lodging ($180/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.Global Entry or TSA Pre®
  5. 5.$5/yr Booking.com Travel Credits
VISA
Core Rate
3.0¢
per dollar on hotels
$49/yr
Annual rewards$180
\u2212 Annual fee$49
Net annual value$131
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27

Sam's Club Mastercard

Synchrony

3% cash back on Hotels

Why this card

  1. 1.3% cash back on Hotels & Lodging ($180/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180
Quicksilver Rewards for Good Credit
28

Quicksilver Rewards for Good Credit

Capital One

5x points on Hotels

Why this card

  1. 1.5x on Hotels & Lodging ($300/yr on $6,000 spend)
  2. 2.Roadside Assistance

No annual fee

MASTERCARD
Core Rate
5.0¢
per dollar on hotels
No annual fee
Annual rewards$300
Net annual value$300
Citi Strata Credit Card
29

Citi Strata Credit Card

Citi

5x ThankYou Points on Hotels via Portal
5x × 1.5¢/pt = 4.5¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.5¢ each ($270/yr on $6,000 spend)
  2. 2.Airport Lounge Access
  3. 3.$50/yr Global Entry or TSA PreCheck Credit
  4. 4.$50/yr $300 Annual Travel Credit

No annual fee

MASTERCARD
Core Rate
4.5¢
per dollar on hotels
No annual fee
Annual rewards$270
Net annual value$270
Citi Strata Elite℠ Card
30

Citi Strata Elite℠ Card

Citi

1.5x ThankYou Points on Hotels
1.5x × 1.5¢/pt = 1.9¢ per dollar

Why this card

  1. 1.$150/yr Up to $300 Annual Hotel Benefit
  2. 2.Priority Pass™ Select membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.American Airlines Admirals Club® Lounge Access Passes

$597.50 in credits fully offsets the $595 fee

MASTERCARD
1.9¢
per dollar on hotels
$595/yr($597.50 in credits)
Annual rewards$114.75
+ Credits$597.50
\u2212 Annual fee$595
Net annual value$117.25