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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Best Hotel Credit Cards for Points & Free Nights

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Best Hotel Credit Cards for Points & Free Nights

Joseph HostetlerBest Hotel Credit Cards for Points & Free NightsMillion Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

Update: The Hilton American Express Ascend Card is now the Hilton Surpass Card from American Express and is offering a limited-time bonus of 130,000 bonus points + a free weekend night through August 28, 2019.

 

INSIDER SECRET: While it may sound counterintuitive, a co-branded hotel credit card may not be your best bet when it comes to getting free stays.

There are two principal expenses when you travel: airfare and hotels. Fortunately, both are laughably easy to get for free.

The glamorous hotel stay is often the more costly item. Many of the best credit cards for travel come with welcome bonuses and ongoing benefits that can unlock free nights in 5-star resorts (or regular ol’ hotels, if that’s your choice). But which card is right for you?

It depends mostly on your travel goals. I’ll tell you everything you need to know about the best hotel credit card offers, so you can be sure you open the one that will best fulfill your travel dreams.

Many of the best hotel credit cards can give you amazing hotel experiences! Let’s find the perfect one for you

Looking for the Best Hotel Credit Card? We’ve Got Answers

To have a cheap (or free) hotel stay, be willing to look past “hotel” credit cards. Some of the best options are flexible rewards cards for general travel, which you can redeem for other things like airlines and car rentals, too. Essentially, just because your favorite hotel chain is Hyatt doesn’t mean the Hyatt card is your best bet.

Don’t stop short on your earnings for paid hotel stays!  You should absolutely use one of the best hotel credit cards to earn the most points for your booking, but don’t forget to start by navigating through an online shopping portal first.

Check a shopping portal aggregator site like CashBackMonitor or Evreward to see which portals are offering the most cash back, bank points, or airline miles for a particular hotel chain or brand.  Once you click through the shopping portal you like, you’ll be redirected to the hotel website to complete your reservation.  So you’re still booking direct with the hotel and will earn points, stay credits, and have your elite status perks honored.

Here are the best credit cards you can get for free hotel stays right now.

Best Hotel Credit Cards

Here’s a quick breakdown of each card’s bonus offer, best perk, and annual fee.

 Intro Bonus OfferBest PerkAnnual Fee
Capital One® Venture® Rewards Credit Card50,000 bonus miles after you spend $3,000 on purchases within the first 3 months from account openingUnlimited 2X miles on all purchases$95, waived the first year
Marriott Bonvoy Brilliant™ American Express® CardEarn 75,000 bonus Marriott Bonvoy points after spending $3,000 in the first 3 months. Terms Apply.Up to $300 annual statement credit for eligible purchases at participating Marriott Bonvoy hotels, including room rates! Terms Apply.$450 (see rates and fees)
Hilton Honors Aspire Card from American Express150,000 Hilton points after spending $4,000 on purchases within the first 3 months of account opening. Terms Apply.Up to $250 Hilton resort credit each card-member year and up to $250 airline fee credit with your selected airline each calendar year. Terms Apply.$450 (see rates and fees)
Hilton Honors American Express Ascend Card125,000 Hilton points after spending $2,000 on purchases within the first 3 months of account opening. Terms Apply.Complimentary Hilton Gold status and one weekend night after spending $15,000 on purchases each calendar year. Terms Apply.$95 (see rates and fees)
The World of Hyatt Credit CardUp to 50,000 Hyatt points after meeting tiered minimum spending requirements.
One free night each anniversary year at a category 1 to 4 Hyatt hotel or resort.$95
Marriott Bonvoy Bold Credit Card50,000 Marriott points after spending $2,000 on purchases in the first three months of account openingNo annual fee$0

1. Capital One Venture Card

Apply Here: Capital One® Venture® Rewards Credit Card

Read our review of the Capital One Venture

The Capital One Venture card comes with 50,000 Venture miles (worth $500 in travel) after spending $3,000 on purchases within the first three months. What does that mean for you?

Capital One Venture miles are worth one cent each. You can use Capital One miles for nearly any travel purchase, including hotels, without having to worry about searching for available award nights. It might just be the simplest card for getting any free travel, let alone hotel nights.

Best Hotel Credit Card
You can use Capital One Venture miles for nearly any travel purchase, including hotels that don’t have a loyalty program, like Evdokia Boutique Hotel in Rhodes, Greece

When you spend with this card, you’ll earn 2 Venture miles per $1 you spend on all purchases. That’s effectively 2% back. You’ll also earn 10 Venture miles per $1 you spend on hotel stays booked and paid for through this Hotels.com link (through January 31, 2020).

To redeem your miles for travel, just buy travel like you normally would with your card. Then, you have 90 days to sign-in to your online account, find the travel purchase and “erase” it with your miles.

This card is particularly good if you want to stay at a hotel that doesn’t have a loyalty program, like boutique hotels or a hotel off the beaten path.

During a visit to South Africa, I stayed at an amazing hotel called The Residence Johannesburg. The hotel doesn’t have a loyalty program or a co-branded credit card. But if you have the Capital One Venture, you can book into any hotel. Just buy your night and erase the purchase with your Venture miles later!

Best Hotel Credit Card
We stayed in the very elegant and spacious1,600 square foot Madiba Suite. You could use the Capital One Venture welcome bonus to stay in this room for absolutely free!

With the Capital One Venture, there are also plenty of perks.

Global Entry and TSA PreCheck are trusted-traveler programs designed to help folks spend less time (and experience fewer headaches) at security checkpoints. For example, with TSA PreCheck, you can pass through security without taking off your shoes, belt, or light jacket. You also won’t need to remove your laptop and liquids from your bag. This helps a PreCheck security line to progress much faster.

When you pay for your Global Entry or TSA PreCheck application with the Capital One Venture, you’ll get a statement credit waiving the fee (between $85 and $100!).

Some cards charge fees for swiping outside of the US. This card has NO foreign transaction fees.

The card’s $95 annual fee is waived the first year. With the great welcome bonus, it’s a definite no-brainer for the first year.

2. Marriott Bonvoy Brilliant Amex

Apply Here: Marriott Bonvoy Brilliant™ American Express® Card

Read our Marriott Bonvoy Brilliant Amex Review

Marriott Bonvoy Brilliant™ American Express® Card

With the Marriott Bonvoy Brilliant™ American Express® Card, you can earn 75,000 Marriott points after meeting minimum spending requirements. That’s enough for multiple nights at family-friendly hotels like Springhill Suites, or for a splurge night at luxury brands like Ritz Carlton.

You’ll also get:

  • 6 Marriott points per $1 at Marriott hotels
  • 3 Marriott points per $1 at US restaurants and flights booked directly with airlines
  • 2 Marriott points per $1 on everything else
Best Credit Card For Restaurants
You can use the annual statement credit from the Marriott Bonvoy Brilliant Amex to splurge on a fancy meal at a restaurant like Angel Oak, the steakhouse at the Ritz Carlton Bacara, Santa Barbara

The welcome offer isn’t the only reason to get the card. Cardholders also have access to a whole host of other perks that can save you money and make your travel easier, like up to $300 annual statement credit to use each cardmembership year at participating Marriott hotels (including room charges!), an annual free night (at participating Marriott hotels worth up to 50,000 points) after you renew your card, and more.

Check out this guide for an in-depth look at the Marriott Bonvoy Brilliant Amex benefits.

The card comes with a $450 annual fee (See Rates & Fees), but the card’s money-saving benefits that can more than offset the annual fee. Meghan has this card and already used her Marriott Bonvoy Brilliant Amex annual statement credit for a meal at the Ritz Carlton Bacara in Santa Barbara.

If you stay at a Marriott hotel at least ONCE a year, this card is worth it for the annual free night and up to $300 in annual statement credit. If you use the free night at an otherwise expensive hotel and add in the value you’ll get from the annual statement credit, the annual fee is well worth it.

You can redeem Marriott points for award stays at these hotel brands:

3. Hilton Honors American Express Aspire Card

Apply Here: Hilton Honors Aspire Card from American Express

Read our review of the Hilton Aspire

Hilton Honors Aspire Card from American Express

I know annual fees can be scary, but what’s even scarier is losing money because you neglected to crunch a few numbers.

The Amex Hilton Aspire Card has an annual fee of $450 that’s not waived the first year (See Rates & Fees), but it comes with a mountain of benefits that make it worth the extra cost.

You’ll earn 150,000 Hilton points after spending $4,000 in purchases on the card within your first three months of card membership. That’s a lot of points.

This card also comes with one weekend night each year, which you can use at most Hilton hotels. And you’ll get an additional weekend night if you spend $60,000 on your card in a calendar year. So you could end up with a whole weekend at the London Hilton on Park Lane, which costs $450+ per night!

The Hilton London Park Lane has a Michelin Star restaurant inside!

The weekend nights alone can easily make it worth paying the annual fee.

The card also comes with:

  • 14 Hilton points per $1 spent at a Hilton hotel or resort (highest earning rate of any Hilton card!)
  • 7 Hilton points per $1 of eligible purchases at US restaurants, flights booked directly with airlines or amextravel.com, and car rentals booked directly from select car rental companies
  • 3 Hilton points for all other eligible purchases on your card

If you like staying with Hilton, this card is truly a no-brainer. You’ll get automatic Hilton Diamond status, which is insane because usually takes 30 stays or 60 nights to achieve. With Diamond Status, you’ll rack up Hilton points way faster and you’ll get upgrades and free breakfast.

The card also comes with $250 in airline incidental credits and $250 in statement credits at participating Hilton resorts every year! If you max out those benefits alone, you’ll get a value $50 greater than the annual fee ($250 airline credit + $250 Hilton resort credit – $450 annual fee).

100000 Points American Express Hilton Card 2017
You’ll get a $250 credit to use at Hilton resorts

I probably wouldn’t take full advantage of the incidental fee credit, which reimburses for things like checked baggage, seat upgrades, etc. But the other benefits of the card DO make it worth the fee, especially if you don’t have a card that grants you airport lounge access.

You can also get $100 in credits on qualifying charges (room rates & fees do NOT qualify) for every stay of two or more nights at a Waldorf Astoria or Conrad hotel. But you’ll need to book through the Amex Hilton Aspire card website to verify you’re eligible for the credit.

You’ll even get unlimited free Priority Pass lounge visits as long as you hold the card. And it charges NO foreign transaction fees (See Rates & Fees).

As you can see, Hilton is showering Amex Hilton Aspire cardmembers with credits, bonuses, and benefits. If you frequently stay at Hilton hotels, this is an excellent card for you!

4. Hilton Honors American Express Ascend Card

Apply Here: Hilton Honors American Express Ascend Card

Read our review of the Hilton Ascend

 

If you’re a Hilton fan, you need to take the Amex Hilton Ascend card seriously. You can earn 125,000 Hilton points after you spend $2,000 in purchases with your new card within the first three months of opening your account.

That’s a lot of points, although they aren’t as valuable as many other hotel points because top-end Hilton hotels can cost 95,000 points per night.

You can definitely find ways to get a lot of free travel with Hilton points, though. I use them exclusively for very low-category hotels because that’s where I find the best value.

For example, the gorgeous Conrad Tokyo costs upwards of $350 per night but you’ll have to pay 95,000 Hilton points for the same room. That means you’ll get a value of just ~0.37 cents per point ($350 per night/95,000 points)

But if you use your points on a lower-cost hotel, you’ll often get a better value. You can book six nights at the Hampton Inn Dayton/Dayton Mall, and hang out with me for a week! The hotel can sell for $200 per night, depending on the season. And it costs 20,000 points per night, giving you a value of 1 cent per point ($200 per night/20,000 points).

Best Hotel Credit Card
The Hampton Inn Dayton/Dayton Mall isn’t fancy, but a free stay is a free stay!

The card also comes with:

  • 12 Hilton points per $1 spent at a Hilton hotel or resort
  • 6 Hilton points per $1 of eligible purchases at US restaurants, US supermarkets, and US gas stations
  • 3 Hilton points for all other eligible purchases on your card

You’ll receive complimentary Hilton Gold status, which comes with bonus points for hotel stays, room upgrades when available, free breakfast and lots more. And because the card has NO foreign transaction fees (See Rates & Fees), it’s good to use for hotels abroad.

If you’re a big spender who likes staying with Hilton, this card is up your alley.

You’ll earn one weekend night after spending $15,000 on purchases each calendar year. That alone can easily make it worth paying the annual fee. You could use it at a super-fancy hotel, like the London Hilton on Park Lane, which costs $450 per night!

And if you spend $40,000 in a calendar year, you’ll earn Hilton Diamond Status. That will help you rack up Hilton points way faster (100% bonus on base points), and the upgrades and free breakfast you’ll receive can revolutionize your hotel experience.

Another unique feature of the card is that you’ll get 10 free airport lounge visits each year once enrolled in complimentary Priority Pass Select membership.

But just remember, if Hilton doesn’t make a frequent appearance within your travel goals, this is NOT a good card for you. Hilton hotels include:

Don’t forget to check out our full Hilton Honors review.

5. The World of Hyatt Credit Card

Apply Here: The World of Hyatt Credit Card

Read our review of the Hyatt Credit Card

Hyatt is a Million Mile Secrets favorite. They have great hotels with a balance of value and comfort.

With The World of Hyatt Credit Card, you can earn up to 50,000 Hyatt points after meeting tiered spending requirements. You’ll earn:

  • 25,000 bonus Hyatt points after you spend $3,000 on purchases in the first three months of opening your account
  • Another 25,000 bonus Hyatt points after you spend an additional $3,000 on purchases within the first six months of opening your account

That’s a great bonus, considering you can reserve astronomically expensive hotels, like the 5-star Park Hyatt Paris Vendome, for 30,000 Hyatt points per night. Rooms at that hotel can go for $900+ per night.

Best Hotel Credit Card
I loved the dreamy view from the balcony of the Hyatt Regency Waikiki

You’ll also earn:

  • 9 Hyatt points per $1 spent at Hyatt – four bonus points per $1 when you use your card at Hyatt hotels and five base points per $1 you can earn as a World of Hyatt member
  • 2 Hyatt points per $1 on restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • 1 Hyatt point per $1 on everything else

This card has a $95 annual fee, which is not waived the first year. But you’ll receive one free night each anniversary year at a category 1 to 4 Hyatt hotel or resort that can easily offset the annual fee! Million Mile Secrets team member Scott has held onto his Hyatt card for years because of this annual free night.

You’ll also get an additional free night at a category 1 to 4 Hyatt hotel or resort after spending $15,000 in an anniversary year.

A unique perk of using Hyatt points is that you don’t have to worry about blackout dates. If Hyatt is selling a standard-level room, you can reserve it with points.

That said, there are some quirks and exceptions at certain hotels where you’ll inexplicably have difficulty finding available rooms (sod off, Andaz Maui!). But I’ve found this benefit to be EXTREMELY valuable.

I spent a night at the Hyatt House Charleston Historic District during the “Great American” solar eclipse. The hotel was packed, and rooms were selling for $500+ per night. But I was able to reserve a room for just 12,000 Hyatt points. That’s a value of ~4.1 cents per point ($500 per night/12,000 Hyatt points).

Or, because this is a Category 3 hotel, he could have used the annual free night that comes with The World of Hyatt Credit Card. That would have offset the annual fee many times over!

Best Hotel Credit Card
You can use the annual free night that comes with the Chase Hyatt Card for a stay at the Hyatt House Charleston Historic District

This card comes with automatic Hyatt Discoverist Status, which gives you more bonus points per stay, upgrades to a preferred room based on availability at check-in, late check-out upon request and more. Plus, you’ll be able to climb the elite status ladder quickly because you’ll receive five qualifying night credits every year and two qualifying night credits after every $5,000 you spend on the card.

This card also has no foreign transaction fees.

Note: If you see a base hotel room available on the Hyatt website, but it’s not showing any available reward nights, you can call Hyatt and they’ll book the room for you.

Hyatt hotels include:

6. Marriott Bonvoy Bold Credit Card

Apply Here: Marriott Bonvoy Bold Credit Card

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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This yr I got the Hilton AmEx for 100K points I booked for 2 nights at Hampton Inn 8th Ave. 1st night the door lock was not working(latch was). I was tired. (A woman would not have stayed there; the hotel agreed). In the morning I notified them about the lock.

That evening the lock had not been fixed. Bad maintenance

This is the big complaint: on the 2nd morning there was NO WATER in the hotel. I had a meeting. I called a friend, asked for a favor, hustled to her place, showered and dressed. I asked Hilton to redeposit my 116,000 points; they did deposit 40,000 (I have no idea how they arrived at that).

I was not looking for money, or for anything more than reimbursement of miles for a very substandard stay ( with NO WATER). They never spoke to me; all correspondence was done by email

I reminded them that one very unhappy client negates thousands of dollars in promotional advertising. For the foreseeable future I will retell friends, family and business assocites this story.

Hi, I applied for the HH Ascend and got a response that said, essentially, that ‘based on my history with AmEx they probably wouldn’t approve me for a card… Did I want to continue with my application?’ I’ve always paid on time and in full. I’m guessing this has to do with a Delta Skymiles card and then an SPG (business), both AmEx and both opened within the last 2 years, that I’ve used little after the initial spend as they don’t offer me the same return on usage that my Citi Costco and Cap One Spark do. I know that they have a right to refuse me. It’s their business. But is there anything else I ought to be considering as I’d really like the Priority Pass access? I know I could do Chase Sapphire Reserve. Credit score is no issue. I just really thought that HH Ascend fit some of my needs well. Only 3 new card applications over the last 24 months. Thanks much. I appreciate your site a bunch.

Hi Terry – Sorry to hear that!

You can check out this post which includes cards that offer Priority Pass Select membership:

https://millionmilesecrets.com/guides/priority-pass-membership/

Hey,

Is there a way around applying for credit cards where you can only input a US address? Any links for Canadian customers? Thks!

The article does not include that Citi has an extensive list of exceptions for the fourth night free including but not limited to experience hotels which are very loosely defined but include safari lodges. The process is not as straightforward as the article makes it seem. Three times I tried to use the perk, and all three times there was an issue. Two times I was reimbursed, and the most recent time, Citi Concierge deemed the hotel an “experience” hotel for including a useless tour.

The article also omits US Bank’s Radisson card which is fantastic. I just stayed two nights for free at the Radisson Kigali. The hotel included my breakfast, and the rooms were fabulous.

Do I need to cancel my current Hilton card to get the new bonus? Whenever I click the link, it just says “upgrade” to the new card.

Hi Camilla – Which Hilton card do you have? If it’s the old AMEX Hilton Surpass you won’t be eligible for a new welcome bonus on Hilton Honors Ascend card (the Ascend was the replacement for the Surpass). Same idea if you have the AMEX Hilton Honors – the new version is considered the same card product as the old.

But you should be eligible to apply and earn a welcome bonus on the Hilton Honors AMEX Aspire card or Hilton Honors AMEX Business card because these are brand new products.

Hope that helps!

I have the no fee card so that would be the same as the Ascend. I don’t use Hilton enough to justify a $450 annual fee. Thanks for your reply!

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