Hotel Rewards Credit Cards Compared

Frequent travelers are always on the lookout for ways to make their journeys more cost-effective and enjoyable. Hotel rewards credit cards provide such an avenue by offering points or miles for every dollar spent. These points can translate into free nights, room upgrades, and a plethora of other enticing benefits. However, the myriad of hotel rewards credit cards available today can be a tad overwhelming for potential users. Which card is the best fit for you? This article aims to simplify that decision-making process by comparing some of the leading hotel rewards credit cards and their key features.

The Best Hotel Rewards Credit Cards for 2023

  • Chase Sapphire Preferred® Card:
    Famed as a versatile travel rewards card, the Chase Sapphire Preferred® Card is hard to beat. For every dollar you spend on travel and dining, you earn 2 points, and for all other purchases, you earn 1 point. Travel enthusiasts can redeem these points through Chase Ultimate Rewards® for various purposes like flights, hotel accommodations, and car rentals. Alternatively, if you’re in need of some quick cash, these points can be converted to cash back at a rate of 1 cent per point.
Hotel rewards credit cards compared
The Best Hotel Rewards Credit Cards for 2023
  • Marriott Bonvoy Boundless® Credit Card:
    Marriott loyalists, take note! The Marriott Bonvoy Boundless® Credit Card ensures you’re rewarded for your loyalty. Staying at Marriott hotels fetches you a whopping 6 points for every dollar spent. Furthermore, transactions at Marriott’s partners, as well as on dining and travel, grant you 2 points per dollar. These points can be redeemed for a relaxing night at a Marriott hotel or can be used for flights, car rentals, and other travel-related expenses.
  • Hilton Honors American Express Surpass® Card:
    If Hilton hotels are your preference, the Hilton Honors American Express Surpass® Card should be on your radar. Hilton hotel and resort stays earn you 6 points per dollar. In addition, the card offers 3 points for every dollar spent on dining, while the first $3,000 spent combined at U.S. and U.S. Territory supermarkets, drugstores, and gas stations each quarter fetches you 2 points per dollar. As with other cards, these points can be redeemed for complimentary nights at Hilton hotels or for flights, car rentals, and other travel necessities.
  • World of Hyatt Credit Card:
    World of Hyatt members are in for a treat with the World of Hyatt Credit Card. This card offers an impressive 9 points per dollar for stays at Hyatt hotels. Dining, fitness club memberships, and local commuting and transit expenses earn cardholders 2 points per dollar, and all other purchases give 1 point per dollar. Whether you’re looking to spend a night at a Hyatt hotel or need assistance with flights and car rentals, these points come in handy.
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Choosing the Right Hotel Rewards Credit Card for You

Hotel rewards credit cards compared
Choosing the Right Hotel Rewards Credit Card for You

Choosing the perfect hotel rewards credit card isn’t just about the points. Here are some pivotal factors to consider:

  • Your travel habits:
    Your preferred hotel chains and the frequency of your travels should heavily influence your card choice. Opt for a card that offers maximum rewards for the type of hotels you frequent and your travel habits.
  • Your budget:
    Annual fees are a staple with many hotel rewards credit cards. Thus, it’s crucial to ensure that the card’s benefits outweigh its cost. Consider your budget and how much you’re willing to spend on an annual fee.
  • Your credit score:
    A robust credit score might be a prerequisite for some of the premium hotel rewards credit cards. Always verify the credit score criteria for each card before you submit an application.

Other Factors to Consider

Beyond the aforementioned points, there are some additional elements to keep in mind when selecting a hotel rewards credit card:

  • Welcome offer:
    Introductory bonuses, in the form of points or miles post a specified expenditure within the initial months of account activation, are common offerings. These bonuses can be lucrative, but they shouldn’t be the sole factor driving your decision.
  • Benefits:
    Some cards stand out by providing additional benefits, like complimentary checked bags during flights, insurance coverage while traveling, or access to serene airport lounges. Such benefits can be quite attractive, but it’s vital to ensure that the core reward earning potential of the card remains substantial.
  • Transfer partners:
    Several hotel rewards credit cards allow you to convert your points or miles to affiliate airline and hotel partners. Such options can amplify the utility of your points, offering more avenues to use them for flights, hotel bookings, and other travel-related expenditures.
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Using Your Hotel Rewards Credit Card Wisely

Hotel rewards credit cards compared
Using Your Hotel Rewards Credit Card Wisely

Once you’ve made your choice and have your shiny new hotel rewards credit card in hand, it’s crucial to employ strategies to get the most out of it. Here are some essential tips to consider:

  • Optimal Usage:
    To amass the most rewards, use your card for every conceivable travel expense. This encompasses hotel reservations, flights, car rentals, and even dining. Essentially, the higher your expenditure on the card, the more bountiful your rewards.
  • Financial Discipline:
    While it’s tempting to spend generously to accrue rewards, it’s paramount to pay off your bill in its entirety and punctually every month. This avoids any interest charges and ensures your credit score remains healthy.
  • Leverage Sign-up Bonuses:
    Many hotel rewards cards come with tantalizing sign-up bonuses and periodic promotions. Keep an eye out for these and take full advantage when they arise to bolster your rewards at an accelerated rate.
  • Astute Redemption:
    Accruing points is only half the game; redeeming them wisely is equally, if not more, crucial. Always evaluate the value proposition of your points or miles before cashing them in. For instance, while cash backs are enticing, often, you’ll find that redeeming points for complimentary hotel nights provides a superior value.


Embarking on the journey to find the perfect hotel rewards credit card tailored to your needs can be daunting, given the plethora of options available. However, by considering your travel habits, budget, and credit score, you can narrow down the options significantly.

To summarize, here are a few golden rules to keep in mind:

  • Monitor Your Rewards:
    Most hotel rewards programs feature online dashboards where you can seamlessly monitor your accumulated points or miles. Regularly checking ensures you remain aware of your rewards and utilize them before any potential expiration.
  • Understanding the Fine Print:
    Before any redemption, pore over the terms and conditions diligently. Sometimes, hidden within are stipulations like blackout dates or minimum stay prerequisites that can affect your redemption strategy.
  • Embrace Flexibility:
    Flexibility in your travel plans can often lead to better redemption rates. Perhaps you can stay at a premium hotel during the off-peak season, maximizing the value of your points.
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By adhering to these guidelines and strategies, you can master the art of hotel rewards credit card usage. This not only ensures you save substantially on your travel endeavors but also indulges you with complimentary nights, room enhancements, and a host of other enticing perks. Safe travels and happy redeeming!

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