Best Credit Cards With Hotel Elite Status of 2023

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Two people can book the same exact hotel room for the same exact price but have totally different experiences. One person may end up in an upgraded room on a high floor in a corner, with extra space and a couch, all while enjoying free breakfast and premium internet, earning a ton of extra points, checking in early, and checking out late.

The other person might get a fine standard room, maybe on a lower floor next to the elevator. Basic internet might be included, but if that person plans to use it heavily for work or streaming, they may want to pay a few dollars a day to upgrade to premium. The breakfast buffet is $20 per person, and late checkout isn’t available, even for a fee — although the hotel is happy to hold their bags until their late flight.

These two people booked the same exact room using identical booking methods (directly with the hotel). So what gets the first person here such better treatment?

The answer: elite status. And you don’t need to spend dozens of nights on the road each year to earn it; some credit cards will grant you status just for having an account in good standing. Read on to see which of the best hotel credit cards offer these free benefits, as well as what you can get when you hold one. And make sure to check out our guide to the best credit cards for more top picks.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Compare the Best Credit Cards With Hotel Elite Status

The Platinum Card® from American Express

4.4/5

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Intro offer

80,000 Membership Rewards® Points after spending $6,000 on purchases on the card in the first six months of card membership


Rewards

Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.

The Platinum Card® from American Express

4.4/5

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Intro offer

80,000 Membership Rewards® Points after spending $6,000 on purchases on the card in the first six months of card membership


Rewards

Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.

On American Express’s website


The Platinum Card® from American Express

Details


Rewards

Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.


Annual Fee

$695

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Intro offer

80,000 Membership Rewards® Points after spending $6,000 on purchases on the card in the first six months of card membership


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

See Pay Over Time APR


Intro Annual Percentage Rate (APR)

N/A

Editor’s Rating

4.4/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Pros & Cons
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Chase Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless® Credit Card

4.4/5

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Intro offer

75,000 bonus points after you spend $3,000 on eligible purchases in the first six months of account opening plus 50,000 bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy® through 1/31/24


Rewards

Earn up to 17X points on purchases at over 7,000 hotels participating in Marriott Bonvoy®. Earn 3X points on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points on all other purchases.

Chase Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless® Credit Card

4.4/5

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Intro offer

75,000 bonus points after you spend $3,000 on eligible purchases in the first six months of account opening plus 50,000 bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy® through 1/31/24


Rewards

Earn up to 17X points on purchases at over 7,000 hotels participating in Marriott Bonvoy®. Earn 3X points on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points on all other purchases.

Read our complete card review


Marriott Bonvoy Boundless® Credit Card

If you want to earn Marriott points on your everyday spending, the Marriott Bonvoy Boundless® Credit Card is a great option with a reasonable annual fee and a generous welcome bonus offer. It comes with good benefits, including a free night award each card anniversary and elite status credits for meeting spending thresholds.

Details


Rewards

Earn up to 17X points on purchases at over 7,000 hotels participating in Marriott Bonvoy®. Earn 3X points on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points on all other purchases.


Intro offer

75,000 bonus points after you spend $3,000 on eligible purchases in the first six months of account opening plus 50,000 bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy® through 1/31/24


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

20.99% – 27.99% Variable

Editor’s Rating

4.4/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Pros & Cons
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Marriott Bonvoy Business® American Express® Card

4.25/5

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Intro offer

75,000 bonus Marriott Bonvoy Points after making $3,000 in purchases within the first three months of card membership


Rewards

Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. Earn 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. Earn 2x points on all other eligible purchases.

Marriott Bonvoy Business® American Express® Card

4.25/5

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Intro offer

75,000 bonus Marriott Bonvoy Points after making $3,000 in purchases within the first three months of card membership


Rewards

Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. Earn 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. Earn 2x points on all other eligible purchases.

On American Express’s website


Marriott Bonvoy Business® American Express® Card

Details


Rewards

Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. Earn 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. Earn 2x points on all other eligible purchases.


Intro offer

75,000 bonus Marriott Bonvoy Points after making $3,000 in purchases within the first three months of card membership


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

20.74% – 29.74% Variable

Pros & Cons
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Marriott Bonvoy Brilliant® American Express® Card

4.3/5

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Intro offer

150,000 Marriott Bonvoy bonus points after spending $6,000 in purchases on the card within the first six months and earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24 (offer ends 8/9/23)


Rewards

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.

Marriott Bonvoy Brilliant® American Express® Card

4.3/5

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Intro offer

150,000 Marriott Bonvoy bonus points after spending $6,000 in purchases on the card within the first six months and earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24 (offer ends 8/9/23)


Rewards

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.

On American Express’s website


Marriott Bonvoy Brilliant® American Express® Card

Details


Rewards

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.


Intro offer

150,000 Marriott Bonvoy bonus points after spending $6,000 in purchases on the card within the first six months and earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24 (offer ends 8/9/23)


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

20.74% – 29.74% Variable

Pros & Cons
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Marriott Bonvoy Bevy™ American Express® Card

3.4/5

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Intro offer

125,000 Marriott Bonvoy points after spending $5,000 in purchases on your new card within the first six months and earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24 (offer ends 8/9/2023)


Rewards

Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.

Marriott Bonvoy Bevy™ American Express® Card

3.4/5

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Intro offer

125,000 Marriott Bonvoy points after spending $5,000 in purchases on your new card within the first six months and earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24 (offer ends 8/9/2023)


Rewards

Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.

On American Express’s website


Marriott Bonvoy Bevy™ American Express® Card

Details


Rewards

Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.


Intro offer

125,000 Marriott Bonvoy points after spending $5,000 in purchases on your new card within the first six months and earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24 (offer ends 8/9/2023)


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

20.74% – 29.74% Variable

Pros & Cons
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Highlights
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Chase Marriott Bonvoy Bountiful™ Card

Marriott Bonvoy Bountiful™ Card

3.4/5

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Intro offer

85,000 bonus points after you spend $4,000 in purchases in your first three months from your account opening


Rewards

Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.

Chase Marriott Bonvoy Bountiful™ Card

Marriott Bonvoy Bountiful™ Card

3.4/5

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Intro offer

85,000 bonus points after you spend $4,000 in purchases in your first three months from your account opening


Rewards

Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.

On Personal Finance Insider


Marriott Bonvoy Bountiful™ Card

Details


Rewards

Earn 6X Marriott Bonvoy Points on purchases at hotels participating in Marriott Bonvoy. Earn 4X Marriott Bonvoy Points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets. Earn 2X Marriott Bonvoy Points on all other eligible purchases.


Intro offer

85,000 bonus points after you spend $4,000 in purchases in your first three months from your account opening


Regular Annual Percentage Rate (APR)

18.24% – 25.24% Variable

Pros & Cons
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Hilton Honors American Express Card

4/5

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Intro offer

70,000 Hilton Honors bonus points and a Free Night Reward after you spend $1,000 in purchases in the first three months of card membership


Rewards

Earn 7x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 5x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 5x Points on groceries at U.S. supermarkets. Earn 5x on gas at U.S. gas stations. Earn 3X Points on all other purchases.

Hilton Honors American Express Card

4/5

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Intro offer

70,000 Hilton Honors bonus points and a Free Night Reward after you spend $1,000 in purchases in the first three months of card membership


Rewards

Earn 7x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 5x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 5x Points on groceries at U.S. supermarkets. Earn 5x on gas at U.S. gas stations. Earn 3X Points on all other purchases.

On American Express’s website


Hilton Honors American Express Card

Details


Rewards

Earn 7x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 5x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 5x Points on groceries at U.S. supermarkets. Earn 5x on gas at U.S. gas stations. Earn 3X Points on all other purchases.


Intro offer

70,000 Hilton Honors bonus points and a Free Night Reward after you spend $1,000 in purchases in the first three months of card membership


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

20.74% – 29.74% Variable


Intro Annual Percentage Rate (APR)

N/A

Pros & Cons
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Hilton Honors American Express Surpass® Card

4.45/5

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Intro offer

130,000 Hilton Honors bonus points and one Free Night Reward after you spend $2,000 in purchases in your first three months of card membership


Rewards

Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 6x Points on groceries at U.S. supermarkets. Earn 6x Points on gas at U.S. gas stations. Earn 3X Points on all other purchases

Hilton Honors American Express Surpass® Card

4.45/5

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Intro offer

130,000 Hilton Honors bonus points and one Free Night Reward after you spend $2,000 in purchases in your first three months of card membership


Rewards

Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 6x Points on groceries at U.S. supermarkets. Earn 6x Points on gas at U.S. gas stations. Earn 3X Points on all other purchases

On American Express’s website


Hilton Honors American Express Surpass® Card

This card is a terrific choice if you stay with Hilton, even occasionally. It balances excellent benefits, including Gold elite status and 10 airport lounge visits per year, with a modest annual fee. And while it doesn’t come with an automatic free night certificate on your account anniversary, you can earn one by spending $15,000 on the card in a year.

Details


Rewards

Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 6x Points on groceries at U.S. supermarkets. Earn 6x Points on gas at U.S. gas stations. Earn 3X Points on all other purchases


Intro offer

130,000 Hilton Honors bonus points and one Free Night Reward after you spend $2,000 in purchases in your first three months of card membership


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

20.74% – 29.74% Variable

Pros & Cons
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The Hilton Honors American Express Business Card

4.5/5

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Intro offer

150,000 Hilton Honors bonus points plus a Free Night Reward after you spend $4,000 in purchases within the first three months of card membership (offer ends 7/19/23)


Rewards

Earn 12x Hilton Honors Points at Hilton per dollar for purchases made directly with hotels and resorts in the Hilton portfolio. Earn 6x Hilton Honors Points on business purchases at U.S. gas stations, shipping providers, and wireless phone services purchased directly from service providers. Earn 6x Hilton Honors Points on select travel purchases at U.S. restaurants, flights, and car rentals. Earn 3X Hilton Honors Points on all other purchases.

The Hilton Honors American Express Business Card

4.5/5

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Intro offer

150,000 Hilton Honors bonus points plus a Free Night Reward after you spend $4,000 in purchases within the first three months of card membership (offer ends 7/19/23)


Rewards

Earn 12x Hilton Honors Points at Hilton per dollar for purchases made directly with hotels and resorts in the Hilton portfolio. Earn 6x Hilton Honors Points on business purchases at U.S. gas stations, shipping providers, and wireless phone services purchased directly from service providers. Earn 6x Hilton Honors Points on select travel purchases at U.S. restaurants, flights, and car rentals. Earn 3X Hilton Honors Points on all other purchases.

On American Express’s website


The Hilton Honors American Express Business Card

If you’re a small-business owner and like staying with Hilton, this card is an excellent value. For a modest annual fee, cardholders receive automatic Hilton Gold status and 10 airport lounge visits annually, as well as great bonus categories for business purchases. Plus, big spenders can take advantage of the ability to earn up to two weekend night certificates for meeting spending thresholds each year.

Details


Rewards

Earn 12x Hilton Honors Points at Hilton per dollar for purchases made directly with hotels and resorts in the Hilton portfolio. Earn 6x Hilton Honors Points on business purchases at U.S. gas stations, shipping providers, and wireless phone services purchased directly from service providers. Earn 6x Hilton Honors Points on select travel purchases at U.S. restaurants, flights, and car rentals. Earn 3X Hilton Honors Points on all other purchases.


Intro offer

150,000 Hilton Honors bonus points plus a Free Night Reward after you spend $4,000 in purchases within the first three months of card membership (offer ends 7/19/23)


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

20.74% – 29.74% Variable

Pros & Cons
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Hilton Honors American Express Aspire Card

4.8/5

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Intro offer

150,000 points after spending at least $4,000 in the first three months of account opening


Rewards

Earn 14x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 7x Points on select travel including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies. Earn 7x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 3X Points on all other purchases.

Hilton Honors American Express Aspire Card

4.8/5

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Intro offer

150,000 points after spending at least $4,000 in the first three months of account opening


Rewards

Earn 14x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 7x Points on select travel including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies. Earn 7x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 3X Points on all other purchases.

On American Express’s website


Hilton Honors American Express Aspire Card

Details


Rewards

Earn 14x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 7x Points on select travel including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies. Earn 7x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 3X Points on all other purchases.


Intro offer

150,000 points after spending at least $4,000 in the first three months of account opening


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

15.74% to 24.74% variable APR on purchases

Pros & Cons
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The World Of Hyatt Credit Card

4.3/5

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Intro offer

30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar, up to $15,000, on purchases that normally earn 1 point in the first six months of account opening


Rewards

Earn up to 9 points total for Hyatt stays (4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships. Earn 1 point per $1 spent on other purchases.

The World Of Hyatt Credit Card

4.3/5

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Intro offer

30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar, up to $15,000, on purchases that normally earn 1 point in the first six months of account opening


Rewards

Earn up to 9 points total for Hyatt stays (4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships. Earn 1 point per $1 spent on other purchases.


The World Of Hyatt Credit Card

Details


Rewards

Earn up to 9 points total for Hyatt stays (4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships. Earn 1 point per $1 spent on other purchases.


Intro offer

30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar, up to $15,000, on purchases that normally earn 1 point in the first six months of account opening


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

21.24% – 28.24% Variable

Pros & Cons
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World of Hyatt Business Credit Card

4/5

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Intro offer

60,000 bonus points after you spend $5,000 on purchases in your first 3 months from account opening


Rewards

9 points total per $1 spent at Hyatt (4 Bonus Points per $1 when you use your card at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter. 2 Bonus Points per $1 spent on fitness club and gym memberships. 1 Bonus Point per $1 spent on all other purchases.

World of Hyatt Business Credit Card

4/5

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Intro offer

60,000 bonus points after you spend $5,000 on purchases in your first 3 months from account opening


Rewards

9 points total per $1 spent at Hyatt (4 Bonus Points per $1 when you use your card at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter. 2 Bonus Points per $1 spent on fitness club and gym memberships. 1 Bonus Point per $1 spent on all other purchases.


World of Hyatt Business Credit Card

Small-business owners who stay with Hyatt frequently could get great value from this card, especially if they take advantage of perks like automatic elite status for the primary cardholder and up to five employees. However, it’s got a higher annual fee than most hotel cards, so be sure your spending and travel habits line up with the card’s benefits before you apply.

Details


Rewards

9 points total per $1 spent at Hyatt (4 Bonus Points per $1 when you use your card at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter. 2 Bonus Points per $1 spent on fitness club and gym memberships. 1 Bonus Point per $1 spent on all other purchases.


Intro offer

60,000 bonus points after you spend $5,000 on purchases in your first 3 months from account opening


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

21.24% – 28.24% Variable

Pros & Cons
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IHG One Rewards Premier Credit Card

4.3/5

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Intro offer

140,000 bonus miles after you spend $3,000 on purchases in the first three months from account opening and earn up to $100 in IHG® statement credits on purchases at IHG® Hotels and Resorts during the first 12 months from account opening


Rewards

Earn up to 26 points total per $1 spent when you stay at an IHG Hotel & Resorts. Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.

IHG One Rewards Premier Credit Card

4.3/5

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Intro offer

140,000 bonus miles after you spend $3,000 on purchases in the first three months from account opening and earn up to $100 in IHG® statement credits on purchases at IHG® Hotels and Resorts during the first 12 months from account opening


Rewards

Earn up to 26 points total per $1 spent when you stay at an IHG Hotel & Resorts. Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.


IHG One Rewards Premier Credit Card

If you stay with IHG with any regularity, this card is an excellent choice for earning IHG points. It comes with valuable benefits like a free night after each account anniversary and automatic elite status, along with generous travel and purchase protections, for a modest annual fee. However, if you’re not interested in IHG-specific benefits, a card that earns transferable Chase Ultimate Rewards points (which transfer to IHG at a 1:1 ratio) may be a better bet.

Details


Rewards

Earn up to 26 points total per $1 spent when you stay at an IHG Hotel & Resorts. Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.


Intro offer

140,000 bonus miles after you spend $3,000 on purchases in the first three months from account opening and earn up to $100 in IHG® statement credits on purchases at IHG® Hotels and Resorts during the first 12 months from account opening


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

21.24% – 28.24% Variable

Pros & Cons
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IHG One Rewards Premier Business Credit Card

4.3/5

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Intro offer

140,000 bonus points after spending $3,000 on purchases in the first three months from account opening


Rewards

Earn up to 26 total points per $1 spent when you stay at an IHG hotel. Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases.

IHG One Rewards Premier Business Credit Card

4.3/5

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Intro offer

140,000 bonus points after spending $3,000 on purchases in the first three months from account opening


Rewards

Earn up to 26 total points per $1 spent when you stay at an IHG hotel. Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases.


IHG One Rewards Premier Business Credit Card

With valuable benefits for small-business owners who stay at IHG hotels, this card can be well worth the annual fee for frequent travelers. It’s got the most benefits of any IHG card, and the anniversary free night alone can be worth hundreds of dollars.

Details


Rewards

Earn up to 26 total points per $1 spent when you stay at an IHG hotel. Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases.


Intro offer

140,000 bonus points after spending $3,000 on purchases in the first three months from account opening


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

21.24% – 28.24% Variable

Editor’s Rating

4.3/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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Pros & Cons
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Choice Privileges® Select Mastercard®

4.2/5

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Annual Fee

$95 (waived the first year)


Intro offer

90,000 points after spending $3,000 in qualifying purchases in the first three months from account opening


Rewards

Earn 10X points on stays at participating Choice® hotels. Earn 5X points on qualifying purchases at gas stations, grocery stores, home improvement stores, and phone plans. Earn 1X points on other purchases.

Choice Privileges® Select Mastercard®

4.2/5

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Annual Fee

$95 (waived the first year)


Intro offer

90,000 points after spending $3,000 in qualifying purchases in the first three months from account opening


Rewards

Earn 10X points on stays at participating Choice® hotels. Earn 5X points on qualifying purchases at gas stations, grocery stores, home improvement stores, and phone plans. Earn 1X points on other purchases.


Choice Privileges® Select Mastercard®

Details


Rewards

Earn 10X points on stays at participating Choice® hotels. Earn 5X points on qualifying purchases at gas stations, grocery stores, home improvement stores, and phone plans. Earn 1X points on other purchases.


Annual Fee

$95 (waived the first year)


Intro offer

90,000 points after spending $3,000 in qualifying purchases in the first three months from account opening


Recommended Credit

Excellent


Regular Annual Percentage Rate (APR)

20.49%, 24.74%, or 29.74% Variable

Pros & Cons
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Choice Privileges® Mastercard®

3.8/5

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Intro offer

60,000 points after spending $1,000 in qualifying purchases during the first three months from account opening


Rewards

Earn 5x points on stays at participating Choice® hotels. Earn 3x points on purchases at gas stations, grocery stores, home improvement stores, and phone plans. Earn 1x points on other purchases.

Choice Privileges® Mastercard®

3.8/5

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Intro offer

60,000 points after spending $1,000 in qualifying purchases during the first three months from account opening


Rewards

Earn 5x points on stays at participating Choice® hotels. Earn 3x points on purchases at gas stations, grocery stores, home improvement stores, and phone plans. Earn 1x points on other purchases.


Choice Privileges® Mastercard®

Details


Rewards

Earn 5x points on stays at participating Choice® hotels. Earn 3x points on purchases at gas stations, grocery stores, home improvement stores, and phone plans. Earn 1x points on other purchases.


Intro offer

60,000 points after spending $1,000 in qualifying purchases during the first three months from account opening


Recommended Credit

Excellent


Regular Annual Percentage Rate (APR)

20.49%, 24.74%, or 29.74% Variable

Pros & Cons
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Wyndham Rewards® Earner Card

3.6/5

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Intro offer

45,000 bonus points after spending $1,000 on purchases in the first 90 days from account opening


Rewards

Earn 5 points per dollar on eligible purchases made at Hotels by Wyndham and on qualifying gas purchases. Earn 2 points per dollar on eligible dining and grocery store purchases (excluding Target® and Walmart®). Earn 1 point per dollar on all other purchases (excluding Wyndham Vacation Club down payments).

Wyndham Rewards® Earner Card

3.6/5

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Intro offer

45,000 bonus points after spending $1,000 on purchases in the first 90 days from account opening


Rewards

Earn 5 points per dollar on eligible purchases made at Hotels by Wyndham and on qualifying gas purchases. Earn 2 points per dollar on eligible dining and grocery store purchases (excluding Target® and Walmart®). Earn 1 point per dollar on all other purchases (excluding Wyndham Vacation Club down payments).


Wyndham Rewards® Earner Card

Details


Rewards

Earn 5 points per dollar on eligible purchases made at Hotels by Wyndham and on qualifying gas purchases. Earn 2 points per dollar on eligible dining and grocery store purchases (excluding Target® and Walmart®). Earn 1 point per dollar on all other purchases (excluding Wyndham Vacation Club down payments).


Intro offer

45,000 bonus points after spending $1,000 on purchases in the first 90 days from account opening


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

20.49%, 24.74% or 29.74% Variable


Intro Annual Percentage Rate (APR)

0% intro APR for 15 months on balance transfers made within 45 days of account opening

Pros & Cons
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Barclays Wyndham Rewards® Earner Plus Card

Wyndham Rewards® Earner Plus Card

3.75/5

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Intro offer

75,000 points after spending $1,000 on purchases in the first 90 days of account opening


Rewards

Earn 6 points per dollar on eligible purchases made at Hotels by Wyndham. Earn 6 points per dollar on gas purchases. Earn 4 points per dollar on eligible dining and grocery store purchases (excluding Target and Walmart). Earn 1 point per dollar on all other purchases.

Barclays Wyndham Rewards® Earner Plus Card

Wyndham Rewards® Earner Plus Card

3.75/5

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Intro offer

75,000 points after spending $1,000 on purchases in the first 90 days of account opening


Rewards

Earn 6 points per dollar on eligible purchases made at Hotels by Wyndham. Earn 6 points per dollar on gas purchases. Earn 4 points per dollar on eligible dining and grocery store purchases (excluding Target and Walmart). Earn 1 point per dollar on all other purchases.


Wyndham Rewards® Earner Plus Card

Details


Rewards

Earn 6 points per dollar on eligible purchases made at Hotels by Wyndham. Earn 6 points per dollar on gas purchases. Earn 4 points per dollar on eligible dining and grocery store purchases (excluding Target and Walmart). Earn 1 point per dollar on all other purchases.


Intro offer

75,000 points after spending $1,000 on purchases in the first 90 days of account opening


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

20.49%, 24.74% or 29.74% Variable


Intro Annual Percentage Rate (APR)

0% promo APR for 6 billing cycles on all Wyndham Timeshare purchases and 0% intro APR for 15 months on balance transfers made within 45 days of account opening

Pros & Cons
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Wyndham Rewards® Earner Business Card

4.05/5

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Intro offer

50,000 bonus points after spending $3,000 in the first 90 days, and 25,000 bonus points after spending $10,000 within the first 12 months


Rewards

Earn 8 points per dollar on eligible purchases made at Hotels by Wyndham. Earn 8 points per dollar on gas purchases. Earn 5 points per dollar on eligible marketing, advertising, and utilities purchases. Earn 1 point per dollar on all other purchases.

Wyndham Rewards® Earner Business Card

4.05/5

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Intro offer

50,000 bonus points after spending $3,000 in the first 90 days, and 25,000 bonus points after spending $10,000 within the first 12 months


Rewards

Earn 8 points per dollar on eligible purchases made at Hotels by Wyndham. Earn 8 points per dollar on gas purchases. Earn 5 points per dollar on eligible marketing, advertising, and utilities purchases. Earn 1 point per dollar on all other purchases.


Wyndham Rewards® Earner Business Card

Details


Rewards

Earn 8 points per dollar on eligible purchases made at Hotels by Wyndham. Earn 8 points per dollar on gas purchases. Earn 5 points per dollar on eligible marketing, advertising, and utilities purchases. Earn 1 point per dollar on all other purchases.


Intro offer

50,000 bonus points after spending $3,000 in the first 90 days, and 25,000 bonus points after spending $10,000 within the first 12 months


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

20.24%, 24.24% or 29.24% variable


Intro Annual Percentage Rate (APR)

0% promo APR for 6 billing cycles on all Wyndham Timeshare Purchases

Pros & Cons
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Best Credit Cards With Hotel Elite Status of 2023

Methodology: How We Chose the Best Credit Cards for Hotel Elite Status

Insider’s cards team examined all hotel credit cards that provided automatic free nights annually and weighed their benefits against each other. Also evaluated were each card’s benefits, annual fee, and other factors such as:

  • Ease of use — Does the card have a straightforward rewards program, and are rewards easy to earn and redeem? Are there any restrictions?
  • Rewards earning potential — How valuable is each card’s welcome bonus? Is each card’s earning rates competitive with similar cards? Are there any spending limits?
  • Options for different types of customers — We chose credit cards that are targeted to a variety of demographics, such as small-business owners and those with less-than-perfect credit.

Here’s a deep dive into how we rate credit cards at Insider that explains our full methodology.

Credit Cards With Hotel Elite Status Frequently Asked Questions

Opening a credit card that offers automatic hotel elite status is worth it because it can immediately elevate the comfort level of your stay. If you stay at a specific hotel chain regularly — or even if you don’t — the fact that you can acquire its status simply by holding a credit card can be a steal.

Elite status can be incredibly valuable, offering benefits such as free breakfast, upgrades to suites (when available), early check-in, late checkout, a welcome gift, scads of bonus points, and even free nights. That means even the casual traveler could quite easily receive hundreds of dollars in value each year from elite status.

With hotel credit cards, you’ll receive elite status automatically once you apply and are approved. However, with non-hotel cards like The Platinum Card® from American Express, you’ll have to manually enroll to get your status.

Hotel elite status does expire each year unless you re-earn it. But if a credit card offers elite status, you’ll maintain that status as long as you keep the card open.

Best Card for Marriott and Hilton Elite Status

The Platinum Card® from American Express

If you’re not too particular about which hotel brand you stay at, The Platinum Card® from American Express could be the perfect option. That’s because it offers complimentary elite status at two major chains** — Hilton and Marriott — that together offer more properties than any other brand.

At Hilton, Amex Platinum Card cardholders who enroll their accounts get complimentary Gold level status. This mid-tier status is particularly valuable at Hilton, including free breakfast or a food and beverage credit at most hotels, room upgrades and late checkout subject to availability, a fifth reward night for free any time you stay for four nights using points, an 80% bonus on points earned during paid stays, free water bottles in-room, and more.

Amex Platinum Card members also get Gold status at Marriott when they enroll, although Gold perks at this brand are slightly different. You’ll get a room upgrade at check-in when it’s available, as well as check-out time as late as 2 p.m., complimentary premium internet, a 25% bonus on earned points, and a small welcome gift of bonus points.

Finally, for independent hotels, Platinum cardholders can book through the Amex Fine Hotels and Resorts program to get perks at a ton of different properties. In addition, cardholders receive up to $200 per calendar year in credits toward prepaid hotels that are part of Fine Hotels and Resorts or The Hotel Collection (with a minimum of a two-night stay).

The Amex Platinum Card comes with plenty of other perks too, including access to airport lounges, up to $200 a year in Uber Cash credits**, up to an annual $200 airline fee credit**, up to $100 annually in Saks Fifth Avenue credits**, concierge services, access to exclusive events, and more.

Review: American Express Platinum card review

Best Credit Card for Marriott Silver Status

Marriott Bonvoy Boundless® Credit Card

The Marriott Bonvoy Boundless® Credit Card currently offers an elevated welcome bonus of 75,000 bonus points after you spend $3,000 on eligible purchases in the first six months of account opening plus 50,000 bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy® through 1/31/24. The card has a $95 annual fee.

This card also gives you Silver elite status with Marriott.

While Silver status doesn’t get you much, it’s still something — you’ll get a 10% bonus on Marriott Bonvoy points earned, priority late checkout, access to a dedicated customer service line, free Wi-Fi, and more. While it’s not a published benefit, you may also be given preferential rooms. When you spend $35,000 on the card in a given year, you’ll earn Gold status instead.

The card offers 6 points on every dollar spent at Marriott hotels (in addition to the points you’d normally earn for the stay), 3x points at grocery stores, gas stations, and on dining (on up to $6,000 in combined purchases per year), and 2x points on everything else. After your first year, you’ll get a free night certificate every year on your account anniversary, good for any property that costs 35,000 nights or fewer.

Review: Marriott Bonvoy Boundless credit card review

Best Small Business Credit Card for Marriott Gold Status

Marriott Bonvoy Business® American Express® Card

If you can qualify for a small-business card, the Marriott Bonvoy Business® American Express® Card is a great value. Cardholders receive automatic Marriott Gold elite status, a free night certificate worth up to 35,000 points after each card anniversary, and a 7% discount on standard room rates.

The card currently offers a welcome bonus of 75,000 bonus Marriott Bonvoy Points after making $3,000 in purchases within the first three months of card membership. You’ll earn 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program, 4x points on eligible purchases at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. shipping purchases, and 2 points per dollar on all other eligible purchases.

Review: Marriott Bonvoy Business Amex card review

Best Credit Card for Marriott Platinum Status

Marriott Bonvoy Brilliant® American Express® Card

The Marriott Bonvoy Brilliant® American Express® Card comes with automatic Marriott Platinum elite status, and cardholders receive up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide, an annual free night certificate after your card renewal month good for hotels that cost up to 85,000 Marriott Bonvoy points, access to Priority Pass airport lounges**, and plenty more to make up for the $650 annual fee, which isn’t waived the first year.

The Marriott Bonvoy Brilliant® American Express® Card is also offering a limited-time increased welcome bonus: 150,000 Marriott Bonvoy bonus points after spending $6,000 in purchases on the card within the first six months and earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24 (offer ends 8/9/23). Cardholders earn 6x points on purchases at hotels in the Marriott Bonvoy® program (on top of what they’d normally earn for a stay), 3x points at US restaurants and flights booked directly with the airline, and 2x points on everything else.

Review: Marriott Bonvoy Brilliant Amex card review

Best Personal Credit Cards for Marriott Gold Status

Marriott Bonvoy Bevy™ American Express® Card and Marriott Bonvoy Bountiful™ Card

The Marriott Bonvoy Bevy™ American Express® Card and Marriott Bonvoy Bountiful™ Card are Marriott’s newest credit cards, and both charge a $250 annual fee. These cards come with automatic Marriott Gold elite status.

With the Marriott Bonvoy Bevy™ American Express® Card there’s an elevated welcome bonus offer of 125,000 Marriott Bonvoy points after spending $5,000 in purchases on your new card within the first six months and earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24 (offer ends 8/9/2023). Marriott Bonvoy Bevy™ American Express® Card cardholders earn 6x points on hotel purchases at participating Marriott Bonvoy locations, 4x points at restaurants globally and at U.S. supermarkets on the first $15,000 in combined purchases per year (then 2x), and 2 points per dollar on all other purchases.

The Marriott Bonvoy Bountiful™ Card comes with a welcome bonus of 85,000 bonus points after you spend $4,000 in purchases in your first three months from your account opening and has similar earning rates and caps, except it earns 4x points on dining and groceries (worldwide) on up to $15,000 in combined annual spending (then 2x).

One unique feature of these cards is the ability to earn 1,000 bonus points for every stay booked directly with Marriott when you pay with your card. If you stay with Marriott frequently, this could translate into a substantial number of points.

Reviews: Marriott Bonvoy Bevy credit card review and Marriott Bonvoy Bountiful credit card review

Best Credit Card for Hilton Silver Status

Hilton Honors American Express Card

The entry-level Amex Hilton Honors Card comes with an elevated welcome bonus offer of 70,000 Hilton Honors bonus points and a Free Night Reward after you spend $1,000 in purchases in the first three months of card membership. For a no-annual-fee travel credit card, this is a great deal, but you can do better with other currently elevated Hilton options.

This card has a decent set of benefits for a no-annual-fee card, including Silver elite status in the Hilton Honors program.

At Hilton, holding Silver status doesn’t get you a ton, but you’ll still be eligible for things like late checkout, free water bottles in your room during stays, a free fifth night on award stays, and bonus points. When you spend $20,000 on eligible purchases on the card in a calendar year, you’ll get upgraded to Gold status, which includes the same perks as Silver, plus free breakfast, room upgrades, and more bonus points.

The card offers 7 points per dollar spent on eligible Hilton purchases, 5 points per dollar spent on eligible purchases at US restaurants, US gas stations, and US supermarkets, and 3x points on every other eligible purchase.

Review: Hilton Honors American Express card review

Best Personal Credit Card for Hilton Gold Status

Hilton Honors American Express Surpass® Card

With a $95 annual fee, the Hilton Honors Surpass® Card is the best mid-range option in Hilton’s line-up. This card also comes with an increased limited-time bonus of 130,000 Hilton Honors bonus points and one Free Night Reward after you spend $2,000 in purchases in your first three months of card membership.

The Hilton Honors Surpass® Card offers complimentary Gold status, which is potentially an incredible deal. The free breakfast or food and beverage credit alone can make up for the annual fee in just a few stays. 

If you spend $40,000 on eligible purchases on the Hilton Honors Surpass® Card within a calendar year, you’ll be upgraded to Diamond status. In addition to the same benefits you’d get from Gold status, Diamond gets you a higher priority for room upgrades, executive lounge access, and more. The card also comes with 10 free day passes to Priority Pass airport lounges.

You’ll also get a free reward night certificate if you spend $15,000 on eligible purchases on the card within a calendar year.

The card has a better-earning rate than the regular Hilton card. It earns 12x points on eligible Hilton purchases, 6x points on eligible purchases at US restaurants, US gas stations, and US supermarkets, and 3x points on every other eligible purchase.

Review: Hilton Honors American Express Surpass card review

Best Small Business Credit Card for Hilton Gold Status

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card is a great deal if you’re a small-business owner who stays with Hilton frequently. Cardholders receive automatic Hilton Gold status, which opens the door to perks like free breakfast (food and beverage credit at US hotels), bonus points, and room upgrades.

The card has an impressive elevated welcome bonus: 150,000 Hilton Honors bonus points plus a Free Night Reward after you spend $4,000 in purchases within the first three months of card membership (offer ends 7/19/23). You’ll also earn 12x points on purchases made directly with hotels and resorts in the Hilton portfolio, 6x points on select business purchases (U.S. gas stations, wireless telephone services purchases directly from U.S. service providers, and on U.S purchases for shipping), 6x points on select travel purchases (U.S. restaurants, flights booked directly with airlines or Amex Travel and car rentals booked with select car rental companies), and 3x points on all other eligible purchases.

Cardholders can also receive a free reward night certificate after spending $15,000 in a calendar year, and another if they spend a total of $60,000 with their card in a calendar year. The card comes with 10 free Priority Pass visits annually as well. There’s a $95 annual fee. 

Review: Amex Hilton Honors Business card review

Best Credit Card for Hilton Diamond Status

Hilton Honors American Express Aspire Card

The Hilton Honors Aspire Card is the premium Hilton card, and even though it has a $450 annual fee, it offers an absurd amount of potential value to blow that away.

Along with a welcome bonus offer of 150,000 points after spending at least $4,000 in the first three months of account opening, the card comes with complimentary top-tier Diamond status without any spending requirement, getting you those room upgrades, executive lounge access, and more, in addition to all the benefits of lower tiers such as free breakfast.

It features up to a $250 airline fee credit per calendar year, and up to a $250 Hilton resort statement credit each card member year — right away that’s $500 in value. The Hilton Honors Aspire Card also offers a $100 Hilton on-property credit every time you book a stay of two nights or longer at a participating Waldorf Astoria or Conrad property — you just need to book through a specific website for cardholders.

Cardholders also get a free night reward each year — regardless of how much they spend — and a second if they spend $60,000 on the card in a calendar year.

The Hilton Honors Aspire Card, naturally, has the highest rewards earning rate of the Hilton cards: 14 points per eligible dollar spent with Hilton, 7x points on eligible flights booked with the airline, car rentals, and at U.S. restaurants, and 3x points on every other eligible purchase.

Review: Hilton Honors Aspire card review

Best Personal Credit Card for Hyatt Discoverist Status

The World Of Hyatt Credit Card

The World Of Hyatt Credit Card offers complimentary Discoverist status — Discoverist is the first of three Hyatt elite tiers, followed by Explorist and Globalist. Discoverists are entitled to bonus points during stays, complimentary premium internet, free water bottles, late checkout on request, preferred rooms (though not upgrades), and more.

You’ll also receive five qualifying night credits each year toward the next elite tier, and you’ll earn additional two-night credit every time you spend $5,000, making it easier to earn enough stays for Explorist or Globalist.

The World Of Hyatt Credit Card earns 4 Hyatt points per dollar spent on Hyatt purchases, 2x points at restaurants, on flights purchased directly from the airline, local transit, and gyms, and 1 point per dollar on everything else.

The card offers an intro bonus of 30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar, up to $15,000, on purchases that normally earn 1 point in the first six months of account opening. It has an annual fee of $95. 

Review: World of Hyatt credit card review

Best Small Business Credit Card for Hyatt Discoverist Status

World of Hyatt Business Credit Card

The World of Hyatt Business Card comes with automatic Discoverist status for you and up to five employees (includes additional cards). 

You’ll earn five annual qualifying night credits for every $10,000 spent in a calendar year towards reaching the next tier elite status. Plus, you can get 10% of your redeemed points back (up to 200,000 points) when you spend $50,000 in a calendar year. 

The World of Hyatt Business Card earns 9 points per dollar spent for Hyatt stays and experiences, and 2x points in your top three spending categories (dining, airlines tickets, car rental agencies, local transit and commuting, gas stations, internet/cable/phone services, social media/search engine advertising, or shipping). After December 31, 2023, this will change to your top two categories. You’ll also earn 2x points with fitness clubs and gym memberships (1x on everything else). 

New cardholders can earn 60,000 bonus points after you spend $5,000 on purchases in your first 3 months from account opening.

Review: World of Hyatt Business credit card review

Best Personal Credit Card for IHG Platinum Status

IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card offers free Platinum elite status to cardholders for as long as they keep the account open. Platinum elites are entitled to room upgrades (where available), late checkout, complimentary internet, a welcome gift, bonus points, free drinks in some hotels, and more.

The card comes with plenty of other benefits, including a free night certificate — good for any property that costs up to 40,000 points — on your card anniversary, a fourth award night for free on award stays of three or more consecutive nights, and up to a $100 credit for Global Entry, TSA PreCheck, or NEXUS.

The IHG One Rewards Premier Credit Card earns 10 points per dollar spent at IHG hotels (on top of what you’d normally earn for a stay), 5 points per dollar spent at gas stations, grocery stores, and restaurants, and 3 points per dollar on everything else. 

The card is currently offering an elevated welcome bonus of 140,000 bonus miles after you spend $3,000 on purchases in the first three months from account opening and earn up to $100 in IHG® statement credits on purchases at IHG® Hotels and Resorts during the first 12 months from account opening. It has an annual fee of $99.

Review: IHG One Rewards Premier credit card review

Best Small Business Credit Card for IHG Platinum Status

IHG One Rewards Premier Business Credit Card

The IHG One Rewards Premier Business Credit Card automatically gets you IHG Platinum elite status, which includes benefits like room upgrades, late checkout, complimentary internet, and 60% bonus points on paid bookings. Other benefits that come with the card are free anniversary nights, a fourth reward night free on IHG points stays, and application fee credit for Global Entry, TSA PreCheck, and NEXUS up to $100 every four years. 

The IHG One Rewards Premier Business Credit Card can earn you 10,000 bonus points and $100 statement credit after you spend $20,000 on purchases and make one additional purchase each calendar year, up to $50 per year in United TravelBank Cash, and a 20% discount when you purchase points with your card (you can’t use this benefit with other IHG point promotions). 

You’ll earn 10 points per dollar at IHG Hotels and Resorts, 5x points on travel, 5x at gas stations, dining, social media, search engine advertising, and office supply stores (3x on all other eligible purchases). 

The IHG One Rewards Premier Business Credit Card is currently offering a welcome bonus of 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening, for a $99 annual fee. 

Review: IHG One Rewards Premier Business credit card review

Best Credit Card for Choice Platinum Status

Choice Privileges® Select Mastercard®

The Choice Privileges® Select Mastercard® comes with 20 elite night credits per year which automatically qualifies you for Platinum elite status. Platinum status gets you early check-in and late checkout, an elite welcome gift, 25% bonus points on Choice stays, Avis elite status, and more.

The card charges an annual fee of $95 (waived the first year). But with perks such as 30,000 bonus points after each account anniversary (worth an average of $210, per Insider’s points and miles valuations), cell phone protection, and a Global Entry/TSA PreCheck application fee credit, the card pays for itself.

You’ll earn 10 points per dollar on stays at participating Choice hotels, 5 points per dollar at gas stations, grocery stores, home improvement stores and on phone plans, and 1 point per dollar on all other purchases. Additionally, you’ll receive a welcome bonus of 90,000 points after spending $3,000 in qualifying purchases in the first three months from account opening. That’s enough for potentially more than 10 free nights at Choice hotels.

Review: Choice Privileges Select Mastercard review

Best Credit Card for Choice Gold Status

Choice Privileges® Mastercard®

The Choice Privileges® Mastercard® offers 10 elite nights per year, qualifying you for Choice Gold status. This comes with 10% bonus points on Choice stays, elite reserved parking, an elite welcome gift, and more.

This card charges a $0 annual fee, but its benefits aren’t as robust as its more expensive sibling outlined above. You can expect basic perks such as cell phone protection and no foreign transaction fees, but you won’t get things like anniversary bonus points.

The card’s earning rates are also not as impressive. You’ll earn 5 points per dollar for Choice hotel stays, 3 points per dollar at gas stations, grocery stores, home improvement stores, and phone plans, and 1 point per dollar on everything else. The card’s welcome bonus is 60,000 points after spending $1,000 in qualifying purchases during the first three months from account opening.

Review: Choice Privileges Mastercard review

Best Credit Card for Wyndham Gold Status

Wyndham Rewards® Earner Card

The no-annual-fee Wyndham Rewards® Earner Card comes with entry-level Wyndham Gold elite status. With Gold status, you’ll get perks like a 10% points bonus on paid stays, late checkout when available, and access to preferred rooms.

The Wyndham Rewards® Earner Card has a welcome bonus offer of 45,000 bonus points after spending $1,000 on purchases in the first 90 days from account opening. 

Cardholders also earn 7,500 bonus points each year on their cardmember anniversary if they spend $15,000 throughout the year, and get access to discounts on award and paid stays.

Best Credit Card for Wyndham Platinum Status

Wyndham Rewards® Earner Plus Card

The Wyndham Rewards® Earner Plus Card charges a $75 annual fee and comes with a higher level of elite status — Wyndham Rewards Platinum. Platinum members get all the same perks Gold elites do, plus a 15% points bonus on paid stays, early check-in, Avis and Budget rental car upgrades, and the opportunity to status match with the Caesars Rewards loyalty program.

You can earn 75,000 points after spending $1,000 on purchases in the first 90 days of account opening. Plus, the card offers a 0% promo APR for 6 billing cycles on all Wyndham Timeshare purchases and 0% intro APR for 15 months on balance transfers made within 45 days of account opening (then a 20.49%, 24.74% or 29.74% Variable APR).  

Review: Wyndham Rewards Earner Plus credit card review

Best Credit Card for Wyndham Diamond Status

Wyndham Rewards® Earner Business Card

The Wyndham Rewards® Earner Business Card has a $95 annual fee and comes with automatic Diamond member status (the highest tier level), which includes perks like preferred room choice, late checkout, early check-in, Caesars Rewards status match, Avis and Budget car rental upgrades, suite upgrades, and more. 

Additional card benefits include no foreign transaction fees, cell phone protection, complimentary employee cards, and a card member booking discount. 

The Wyndham Rewards® Earner Business Card earns 8x points on eligible Hotels by Wyndham and qualifying gas purchases. It also earns 5x points on marketing, advertising, and utility purchases (1x on all other eligible purchases). Plus, you can earn 50,000 bonus points after spending $3,000 in the first 90 days, and 25,000 bonus points after spending $10,000 within the first 12 months. 

Review: Wyndham Rewards Earner Business card review

Which Hotel Card With Elite Status Is Right for You?

Ultimately, the best card for you depends on which hotel brand you tend to stay with, how often you stay, and which elite perks you value. If you’re a Hyatt or IHG fan, there are only a couple of cards — if you stay with Hilton or Marriott, there are more choices.

Unless you’re an absolute loyalist, the Amex Platinum Card may be the best pick. It comes with mid-level status at two of the biggest chains, includes free breakfast or a food and beverage credit at Hilton properties, and offers excellent non-hotel perks, like airline lounge access.