🏨 Best credit cards for hotel
Ranked by effective rewards rate — factoring in point values, caps, and annual fees.187 cards compared.
Strata Premier
Citi · $95.00/yr
Venture X
Capital One · $395.00/yr
Sapphire Reserve
Chase · $795.00/yr
VentureOne
Capital One · No annual fee
Venture
Capital One · $95.00/yr
Hilton Honors Aspire
American Express · $550.00/yr
World of Hyatt
Chase · $95.00/yr
Hilton Honors Surpass
American Express · $150.00/yr
Amazon Prime Store Card
Synchrony · No annual fee
Autograph Journey
Wells Fargo · $95.00/yr
IHG One Rewards Premier
Chase · $99.00/yr
Hilton Honors Business
American Express · $175.00/yr
Showing top 12 of 187 cards
How to choose
The best card for hotel depends on how much you spend in this category each year, whether you prefer cash back or transferable points, and whether the annual fee is worth the extra rewards.
Look at the effective rate — not just the headline multiplier. A 3x points card with 1¢ per point earns the same as a 3% cash-back card. Cards with caps earn the bonus rate only up to a spending threshold, then drop to the base rate.
Add your cards to PerkPro to see which one in your wallet actually earns the most on each hotel purchase, with caps and bonus deadlines tracked automatically.