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Best Credit Cards for best western

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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Best Credit Cards for best western

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

Resolved as:HotelsMerchant: Best WesternCached
95%
Not right? Try:
134 matches941ms

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 ($1,110/yr on $6,000 spend)
  2. 2.Primary Auto Rental Collision Damage Waiver
  3. 3.$240/yr $300 Annual Capital One Travel Credit
  4. 4.Capital One Lounge Access
  5. 5.Priority Pass Lounge Access
VISACore Rate
18.5¢
per dollar on hotels
$395/yr
Annual rewards$1,110
− 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 × 1.6¢/pt = 16.0¢ per dollar

Why this card

  1. 1.10x on Hotels & Lodging — points worth 1.6¢ each ($960/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
16.0¢
per dollar on hotels
$95/yr
Annual rewards$960
− Annual fee$95
Net annual value$865
Citi / AAdvantage Executive World Elite Mastercard
3

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 ($720/yr on $6,000 spend)
  2. 2.Admirals Club Membership
  3. 3.$60/yr Lyft Credits
  4. 4.Worldwide Car Rental Insurance
  5. 5.First Checked Bag Free
MASTERCARDCore Rate
12.0¢
per dollar on hotels
$695/yr($60 in credits)
Annual rewards$720
+ Credits$60
− Annual fee$695
Net annual value$85
4

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 ($450/yr on $6,000 spend)
  2. 2.$300/yr Fine Hotels + Resorts / Hotel Collection Credit
  3. 3.$100/yr Airline Fee Credit
  4. 4.$120/yr Uber Credit
  5. 5.Premium Car Rental Protection (Optional)

$667.50 in credits offset the $895 fee

AMEXCore Rate
7.5¢
per dollar on hotels
$895/yr($667.50 in credits)
Annual rewards$450
+ Credits$667.50
− Annual fee$895
Net annual value$222.50
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.$180/yr $300 Capital One Travel Stays Credit (First Year)
  3. 3.$72/yr Global Entry or TSA PreCheck Credit
  4. 4.$20/yr Lyft Credits
  5. 5.$15/yr Mastercard Transit Benefit
MASTERCARDCore Rate
9.3¢
per dollar on hotels
$95/yr
Annual rewards$555
− Annual fee$95
Net annual value$460
Chase Sapphire Reserve
6

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.Air Canada Maple Leaf Lounge Access
  5. 5.Chase Sapphire Lounge by The Club
VISACore Rate
7.2¢
per dollar on hotels
$795/yr($360 in credits)
Annual rewards$432
+ Credits$360
− Annual fee$795
Net annual value-$3
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)
  2. 2.Mastercard Travel & Lifestyle Services

No annual fee

MASTERCARDCore Rate
9.3¢
per dollar on hotels
No annual fee
Annual rewards$555
Net annual value$555
Wells Fargo Autograph Journey Visa Credit Card
8

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 ($375/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
6.3¢
per dollar on hotels
$95/yr
Annual rewards$375
− Annual fee$95
Net annual value$280
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 ($300/yr on $6,000 spend)
  2. 2.Rental Car Damage Coverage
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.$72/yr TSA PreCheck® or Global Entry®
  5. 5.$60/yr TSA PreCheck or Global Entry Credit
VISACore Rate
5.0¢
per dollar on hotels
No annual fee
Annual rewards$300
Net annual value$300
Hilton Honors American Express Aspire Card
10

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 ($336/yr on $6,000 spend)
  2. 2.$240/yr Hilton Resort Statement Credit
  3. 3.Free Night Reward After $30,000 Spend
  4. 4.Annual Free Night Reward
  5. 5.Second Free Night Reward After $60,000 Spend
AMEXCore Rate
5.6¢
per dollar on hotels
$550/yr($100 in credits)
Annual rewards$336
+ Credits$100
− Annual fee$550
Net annual value-$114
Chase Freedom Flex
11

Chase Freedom Flex

Chase

5x Ultimate 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 ($324.00/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits
  3. 3.$15/yr Mastercard Transit Benefit
  4. 4.Mastercard Hotels & Resorts Collection
  5. 5.Mastercard Travel & Lifestyle Services
MASTERCARDCore Rate
5.4¢
per dollar on hotels
No annual fee($30 in credits)
Annual rewards$324.00
+ Credits$30
Net annual value$354.00
12

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($100 in credits)
Annual rewards$264.00
+ Credits$100
− Annual fee$495
Net annual value-$131.00
United Quest Card
13

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 ($300/yr on $6,000 spend)
  2. 2.$160/yr $200 annual United travel credit
  3. 3.$75/yr Up to $150 in credits for Renowned Hotels and Resorts for United® Cardmembers
  4. 4.$25/yr 25% Back on Inflight Purchases
  5. 5.Free First and Second Checked Bags
VISACore Rate
5.0¢
per dollar on hotels
$350/yr($90 in credits)
Annual rewards$300
+ Credits$90
− Annual fee$350
Net annual value$40
14

BMO Escape

Bmo

3x points on Hotels

Why this card

  1. 1.3x on Hotels & Lodging ($180/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
3.0¢
per dollar on hotels
$150/yr($12.50 in credits)
Annual rewards$180
+ Credits$12.50
− Annual fee$150
Net annual value$42.50

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

American Express Gold Card
15

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 ($450/yr on $6,000 spend)
  2. 2.$60/yr $120 Uber Cash
  3. 3.Car Rental Loss and Damage Insurance
  4. 4.The Hotel Collection
  5. 5.Global Assist Hotline

$152 in credits offset the $325 fee

AMEXCore Rate
7.5¢
per dollar on hotels
$325/yr($152 in credits)
Annual rewards$450
+ Credits$152
− Annual fee$325
Net annual value$277
SavorOne Rewards from Capital One
16

SavorOne 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.$20/yr Lyft Credits
  3. 3.$15/yr Mastercard Transit Benefit
  4. 4.Mastercard Hotels & Resorts Collection
  5. 5.Mastercard Travel & Lifestyle Services
MASTERCARDCore Rate
5.0¢
per dollar on hotels
$39/yr
Annual rewards$300
− Annual fee$39
Net annual value$261
Citi Strata Credit Card
17

Citi Strata Credit Card

Citi

5x ThankYou Points on Hotels via Portal
5x × 1.6¢/pt = 8.0¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.6¢ each ($288/yr on $6,000 spend)
  2. 2.$50/yr $300 Annual Travel Credit
  3. 3.Citi Travel®

No annual fee

MASTERCARDCore Rate
4.8¢
per dollar on hotels
No annual fee
Annual rewards$288
Net annual value$288
18

Wyndham Rewards Earner Plus Card

Barclays

4x Wyndham Rewards on Hotels
4x × 0.7¢/pt = 2.8¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 0.7¢ each ($168/yr on $6,000 spend)
  2. 2.Annual Bonus
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges
  5. 5.$5/yr Booking.com Travel Credits
VISACore Rate
2.8¢
per dollar on hotels
$95/yr
Annual rewards$168
− Annual fee$95
Net annual value$73
United Club Infinite Card
19

United Club Infinite 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 ($300/yr on $6,000 spend)
  2. 2.$100/yr JSX Flight Credits
  3. 3.United Club Membership
  4. 4.$100/yr Up to $200 in credits for Renowned Hotels and Resorts for United® Cardmembers
  5. 5.$75/yr Up to $150 in credits on rideshare purchases
VISACore Rate
5.0¢
per dollar on hotels
$695/yr($120 in credits)
Annual rewards$300
+ Credits$120
− Annual fee$695
Net annual value-$275
Bilt Obsidian Card
20

Bilt Obsidian 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.$20/yr $100 of Bilt Travel Hotel credit
  3. 3.$20/yr Lyft Credits
  4. 4.MasterRental Coverage
  5. 5.$15/yr Mastercard Transit Benefit
MASTERCARDCore Rate
4.4¢
per dollar on hotels
$95/yr
Annual rewards$264.00
− Annual fee$95
Net annual value$169.00
Citi Strata Elite℠ Card
21

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.American Airlines Admirals Club® Lounge Access Passes
  4. 4.$72/yr Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
  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
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

VISACore Rate
4.0¢
per dollar on hotels
No annual fee($10 in credits)
Annual rewards$240
+ Credits$10
Net annual value$250
Bank of America Customized Cash Rewards Credit Card
23

Bank of America Customized Cash Rewards Credit Card

Bank Of America

3% cash back on Hotels

Why this card

  1. 1.3% cash back 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.$5/yr Booking.com Travel Credits
  5. 5.Visa Signature Travel & Emergency Assistance
VISACore 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

24

TD Cash Credit Card

Td Bank

3% cash back on Hotels

Why this card

  1. 1.3% cash back 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.$5/yr Booking.com Travel Credits
  5. 5.Visa Signature Travel & Emergency Assistance
VISACore Rate
3.0¢
per dollar on hotels
No annual fee
Annual rewards$180
Net annual value$180
Chase Sapphire Preferred Card
25

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.Auto Rental Collision Damage Waiver
  3. 3.Auto Rental Coverage
  4. 4.Complimentary 4th night at Ennismore Hotel properties
  5. 5.$25/yr $100 Annual Hotel Credit
VISACore Rate
3.6¢
per dollar on hotels
$95/yr($84 in credits)
Annual rewards$216
+ Credits$84
− Annual fee$95
Net annual value$205
United Club℠ Business Card
26

United Club℠ Business 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 ($300/yr on $6,000 spend)
  2. 2.$100/yr Up to $200 in credits for Renowned Hotels and Resorts for United® Cardmembers
  3. 3.Free first and second checked bags
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Auto Rental Collision Damage Waiver
VISACore Rate
5.0¢
per dollar on hotels
$695/yr($130 in credits)
Annual rewards$300
+ Credits$130
− Annual fee$695
Net annual value-$265
IHG One Rewards Premier Credit Card
27

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.$72/yr Global Entry, TSA PreCheck or NEXUS Statement Credit
  3. 3.$20/yr Lyft Credits
  4. 4.$15/yr Mastercard Transit Benefit
  5. 5.Mastercard Hotels & Resorts Collection
MASTERCARDCore Rate
3.0¢
per dollar on hotels
$99/yr
Annual rewards$180
− Annual fee$99
Net annual value$81
28

PenFed Pathfinder Rewards Visa Signature Card

Penfed

3x Penfed Honors Advantage on Hotels
3x × 0.9¢/pt = 2.7¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 0.9¢ each ($160.20/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
VISACore Rate
2.7¢
per dollar on hotels
$95/yr($50 in credits)
Annual rewards$160.20
+ Credits$50
− Annual fee$95
Net annual value$115.20
Wells Fargo Autograph Visa Credit Card
29

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Hotels
3x × 1.3¢/pt = 3.8¢ per dollar
Up to 4.8¢/$ (1.6¢/pt)via Choice Privileges

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.3¢ each ($225/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Luxury Hotel Collection
  4. 4.Visa Signature Rental Car Privileges
  5. 5.$5/yr Booking.com Travel Credits
VISACore Rate
3.8¢
per dollar on hotels
No annual fee
Annual rewards$225
Net annual value$225
30

TD First Class℠  Visa Signature®

Td Bank

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.$5/yr Booking.com Travel Credits
  5. 5.Visa Signature Travel & Emergency Assistance
VISACore Rate
3.0¢
per dollar on hotels
$89/yr (Y1 waived)
Annual rewards$180
− Annual fee$89
Net annual value$91