When it’s time to book a hotel room, using the right credit card can make a big difference in how many rewards you earn. Most hotel chains offer their own credit cards, which can offer a huge number of points on hotel stays.

But if you don’t frequently stay at the same hotel brand, or prefer more flexibility in your rewards points, a credit card that earns flexible rewards points and offers bonus points on travel purchases might be a better bet. Certain credit cards also unlock access to special booking websites, which can earn you both bonus points and special perks for your hotel stay.

A curved outdoor pool with clear blue water is surrounded by palm trees and tropical plants, overlooking a turquoise ocean under a bright, partly cloudy sky. A table and chairs sit on a wooden deck by the pool—perfect for travel relaxation or planning your next miles adventure.
Two lounge chairs with towels face an infinity pool overlooking the ocean, with two tropical drinks on a small table between them. Palm trees, lush greenery, and a blue sky create the perfect travel escape.

Best Credit Cards to Earn Transferable Points

If you don’t find yourself consistently staying at one hotel chain or you’re looking for maximum flexibility with the points you earn, a credit card that earns flexible rewards points may be the best option.

Chase Sapphire Reserve®

The Chase Sapphire Reserve® earns 8x points on all purchases through Chase TravelSM, including The EditSM. Hotel purchases also count toward the card’s $300 annual travel credit, though to avoid double-dipping benefits, you won’t earn points on your first $300 in travel purchases each anniversary year.

Chase Sapphire Preferred

The Chase Sapphire Preferred® Card credit card earns 5x on travel purchased through Chase TravelSM.

Palm trees frame a tropical beach with turquoise water, people swimming and using jet skis, and tall hotels lining the shore under a bright blue sky—perfect for travel and earning points on your next getaway.

Chase Ink Business Preferred® Credit Card

The Chase Ink Business Preferred credit card earns 3x Ultimate Rewards points on travel purchases, including hotels.

A tranquil swimming pool surrounded by palm trees at sunset, with lounge chairs lining the pool and distant mountains visible under a colorful sky—the perfect spot to relax after a day of travel.

Citi Premier Card

The Citi Premier Card (unavailable to new applicants) earns 3x ThankYou Points on travel purchases, including hotels. You also get $100 off a $500 hotel purchase through the ThankYou travel website every year.

Citi Prestige Card

The Citi Prestige Card offers 3x ThankYou Points on hotel purchases. You can also get the 4th night free on stays of 4 nights or more when booking through the Citi ThankYou travel website, up to 2 free nights per year.

Note that travel bookings through the ThankYou travel website do not earn points in hotel rewards programs.

What About Hotel Credit Cards?

The value of hotel points varies quite a bit by hotel chain Often, it makes more sense to use a credit card that earns transferable points such as Chase Ultimate Rewards or Amex Membership Rewards points instead of hotel points.

However, there are times when using a co-branded hotel credit card can make sense. Here are the options you’ll have with some of the major hotel chains.

A tall beige hotel with red roofs and many windows sits near the beach, overlooking the ocean at dusk. The Marriott logo is visible on the building, inviting travelers to earn points while enjoying views surrounded by trees and streetlights below.

Marriott

Marriott has a dizzying array of credit cards, but only four are currently available: the Marriott Bonvoy Boundless® Credit Card ($95) and Marriott Bonvoy Bold® Credit Card ($0) from Chase, and the Marriott Bonvoy Brilliant® American Express® Card ($650, rates and fees) and Marriott Bonvoy Business® American Express® Card ($125, rates and fees).

Each card earns 6x Marriott Bonvoy points on Marriott purchases and offers an annual free night certificate, except for the no-annual-fee Bonvoy Bold which only earns 3x points (and does not come with a certificate).

In addition, all cards come with automatic elite status – Gold Elite for Bonvoy Brilliant and Ritz-Carlton cardholders, and Silver Elite for everyone else.

A modern hotel room with a large bed, two nightstands, a flat-screen TV, and a balcony with a table and chairs overlooking palm trees and the ocean—perfect for your next travel adventure or redeeming points for a relaxing stay.

Hilton Waikaloa Village in Hawaii

Hilton

Hilton offers four different American Express cards, and each earns a different number of points for Hilton stays. The  Hilton Honors Card earns 7x points; the $95 Hilton Honors Business Card earns 12x points; and the $95 Hilton Honors American Express Surpass Card and the $550 Hilton Honors American Express Aspire Card both earn 14x points.

Each card also comes with Hilton Honors elite status: Silver for the no-annual-fee card, Gold for the Surpass and Business cards, and top-tier Diamond status for the Aspire card.

A vibrant cityscape at dusk with illuminated skyscrapers, boats on a river, and a tall tower dominating the skyline under a clear blue sky—an inviting scene for travel enthusiasts to explore and earn miles.

IHG

There are two IHG Rewards Club credit cards from Chase. The $95 IHG One Rewards Premier Credit Card earns 10x points on IHG hotel stays, and comes with automatic Platinum elite status and an annual free night certificate.

The no-annual-fee IHG Rewards Traveler Credit Card earns 5x points on IHG stays and comes with automatic Gold status. Both cards also offer a 4th-night free benefit on award stays of 4 nights or more.

There is also a $49 IHG Rewards Club Select Credit Card, which is no longer available to new applicants. That card earns 5x points on IHG stays, comes with automatic Platinum status and an annual free night certificate, and an automatic 10% rebate on points bookings, up to 100,000 points per year.

A large resort with multiple lit-up buildings, surrounded by palm trees and lounge chairs, faces a spacious, clear blue swimming pool at dusk under a cloudless sky—perfect for relaxing after earning miles or points on your travels.

Hyatt

Hyatt offers just one credit card, The World of Hyatt Credit Card from Chase, which earns 4x World of Hyatt points for purchases at Hyatt hotels. You’ll also receive automatic Discoverist status, and a free night certificate valid for Category 1-4 hotels every year on your card anniversary.

Best Western

Best Western offers two credit cards through First Bankcard. The $59 Best Western Rewards Premium MasterCard earns 10x points on Best Western stays and offers automatic Platinum status, plus 20,000 bonus points when you spend $5,000 on the card during your account anniversary year. The no-annual-fee Best Western Rewards Mastercard earns just 3x points on Best Western stays and offers automatic Gold status.

A Best Western Rewards Premium Mastercard credit card featuring a world map background, card number, chip, logos for Best Western Rewards and Mastercard, and a placeholder for cardholder information—perfect for earning points on travel.
A blue Best Western Rewards Mastercard credit card with a world map in the background, featuring a card chip and number. Earn points on every purchase with the Mastercard logo displayed in the bottom right corner.

Best Western Rewards Premium Master Card

Bes Western Rewards® Mastercard No Annual Fee

Choice

The Choice Privileges Visa Signature Card from Barclays earns 15x Choice Privileges points on stays at Choice hotels, as well as 5x when purchasing Choice points or gift cards. It also comes with automatic Gold status and 8,000 bonus points when you spend $10,000 on the card during your account anniversary year.

Radisson

Radisson offers two credit cards from US Bank. The $75 Radisson Rewards Premier Visa Signature Card offers 10x points at Radisson hotels and automatic Gold status, while the no-annual-fee Radisson Rewards Visa offers a measly 3x points at Radisson hotels.

Three Radisson Rewards credit cards are shown overlapping: gold, silver, and black. Each card displays a chip, card number, cardholder name Alex Martin, the Visa Signature logo—perfect for earning points on your travel.

US Bank also previously offered a $60 business Radisson Rewards card, but it has not been available for new customers since May 2019. Like the Premier card, it earns 10x points at Radisson hotels and automatic Gold status.

With any of these cards, you can also earn a free night certificate for every $10,000 spent on the card, up to 3 free nights per anniversary year.

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Wyndham

Wyndham offers two credit cards from Barclays. Confusingly, both cards are called the Wyndham Rewards Visa Card. The version with a $75 annual fee will earn you 5 points per dollar spent at Wyndham hotels, and comes with automatic Platinum status and a 6,000 annual point bonus on your card anniversary.

A large hospital building labeled “Windspirit” stands in front of a sprawling cityscape with mountains in the background, inviting travelers from miles around on a clear day.

The Wyndham Hotel in Las Vegas, Nevada 

The no-annual-fee version earns 3 points per dollar spent at Wyndham hotels, and comes with automatic Gold status. While neither card is particularly exciting, they offer one of the only ways to earn Wyndham Rewards points outside of hotel stays.

Specialty Hotel Programs

American Express and Chase both offer access to specialty hotel programs, which offer extra perks and discounts at participating hotels, and in some cases, you’ll also earn bonus points when you pay with your card.

When booking through third-party websites, always check pricing directly with the hotel to make sure that the perks you’re getting are worth more than any price difference compared to booking directly.

American Express Hotel Collection

If you have a Platinum Card from American Express, American Express Gold Card, or Centurion® Card from American Express (personal or business), you have access to The Hotel Collection, which offers room upgrades and a $100 credit toward dining, spa, and resort activities on stays of two nights or more.

A spacious hotel room with a large bed, decorative headboard, two bedside tables with lamps, a bench at the foot of the bed, wooden floors, and an open balcony with chairs overlooking greenery—perfect for relaxing after earning miles on your travels.

A shot of guest room in tropical paradise

While you generally won’t earn credit with hotel loyalty programs when you book through The Hotel Collection, the $100 credit is likely worth more than the points you’d earn, especially for short stays. You’ll also earn 5x Membership Rewards points when paying for prepaid hotels with a Platinum card or 2x Membership Rewards points with a Gold card.

American Express Fine Hotels and Resorts

Exclusive for Platinum, Business Platinum, and Centurion cardmembers, American Express Fine Hotels and Resorts (FHR) offers a slew of benefits at over 1,000 properties across the globe.

You’ll receive perks like early check-in and room upgrades (both subject to availability), guaranteed late check-out, complimentary Wifi, daily breakfast for two people, and a $100 property-specific amenity like a spa or resort credit. Sometimes there are even 3rd and 4th night free rates available exclusively through FHR.

On top of these perks, you’ll generally earn points in hotel loyalty programs, and you’ll earn 5x Membership Rewards points when paying for prepaid hotels.

Chase Luxury Hotels & Resorts Collection

Certain Chase cardholders have access to the Chase Luxury Hotels & Resorts Collection (LHRC). When booking through LHRC, you’ll enjoy benefits like daily breakfast for two people, complimentary Wifi, room upgrades (subject to availability), early check-in and/or late checkout (subject to availability), and a unique property-specific benefit (typically a credit worth between $25 and $100).

 

Modern outdoor patio with cushioned wicker sofas and tables, lit by candle lanterns, next to a wooden house with large windows; mountain and forest view in the background at dusk—perfect for relaxing after a day of travel or earning miles.

Access to LHRC is an advertised benefit of the Chase Sapphire Reserve®, United℠ Explorer Card, and the United Club℠ Card, but in practice many other Chase cardholders also have access. You’ll earn the same number of points for LHRC bookings as you would for any other travel purchase, depending on the card that you use. Bookings made through LHRC also generally earn points with hotel loyalty programs.

Bottom Line

Using different credit cards to book at hotels will earn different numbers of points and may even be able to help you score extra perks. It’s worth considering how you like to travel and with which hotel brands you prefer to stay before deciding on a credit card to use at hotels.