Hotel Credit Cards

Hotel credit cards are usually co-branded cards (but not always). This means they are issued by banks such as Chase or American Express and work with specific hotel brands. As you can imagine, the hotel card will reward you with loyalty to the brand and reward your loyalty to airlines and car rental partners. In some cases, you can use this card for general shopping, such as grocery stores, gas stations, and restaurants.

Save money at your favorite brands

Co-branded hotel credit cards have different rewards programs which are great ways to save money, especially you are a frequent customer of one brand.

Sign-up bonus

Many hotel credit cards offer a huge bonus after you meet a minimum spending requirement within a period.

Rewards benefits

The big advantage of hotel credit cards is the rewards program. You can earn points from your purchases depending on credit card terms and redeem points to free nights and room upgrades.

Additional perks

Some hotel credit cards offer benefits such as early check-in, late check-out, free breakfast and more.

Credit score

Hotel credit cards require your credit score in great shape first. Most of the top travel credit cards are offered to those with “excellent” or “very good” credit. Don’t be discouraged if you find that you don’t qualify for a travel credit card yet. There are also many good rewards or cash back credit cards which are worth applying for and can help you to build credit. 

Credit card application

You can apply for a hotel credit card in hotels or through the issuer depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness. 

Read your credit card terms and conditions. 

You need to have an understanding of the terms of your credit card in order to use it better and avoid paying extra fees.

Maximize your rewards

Hotel credit cards offer many ways to help you to save money during your stay at hotels or making purchases elsewhere. Keep an eye out for earning double or triple miles rewards opportunities.

Know when your rewards points expire 

Remember to check the fine print in your credit card agreement carefully and note when your rewards points will expire. 

Pay your bill in full on time

Hotel credit cards provide rewards programs, but tend to have higher interest rates. If you carry a balance, your interest charge may be more than your rewards. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.