Hotel Reward Cards
Everything You Need to Know About Hotel Credit Cards
Frequently Asked Questions
How do hotel credit cards work?
Co-branded hotel cards (cards with a partnership between a hotel brand such as Marriott and a card issuer such as Chase) will ask you to link your credit card account to their hotel loyalty program. As you make purchases with your card, you'll earn points that are automatically transferred to your loyalty account. You can then use those points to book rooms, experiences, and more depending on the hotel program.
How do you pick the best hotel card?
Which hotel card is best for you depends on several factors. Some travelers like to pick hotel cards based on their favorite hotel chain. Others may make their decision based on which card rewards their spending habits the most. You can also choose a card based on how many complimentary stays you can get every year, or the value that a hotel card's points offer.
Do hotel cards have an annual fee?
Yes, many hotel cards have an annual fee that typically falls between $59 and $95. However, there are numerous hotel cards that do not charge an annual fee, such as the Marriott Bonvoy Bold and Wyndham Rewards Earner cards.
Are hotel cards better than general travel cards?
It depends on your travel preferences. A general travel card allows you to redeem your points or miles with multiple hotel partners, whereas a hotel card limits your redemption to one brand. However, hotel cards tend to have better additional perks and lower annual fees.
World of Hyatt
World of Hyatt is the rewards program for Hyatt Hotels & Resorts. The hotel initially called its loyalty program "Hyatt Gold Passport." In 2017, the company renamed the program “World of Hyatt." Members can earn and redeem points for free hotel stays, on-property perks, other forms of travel, and more.
Marriott Bonvoy is the hotel loyalty program for Marriott International. In 2019, Marriott consolidated three of its loyalty programs—Marriott Rewards, the Ritz-Carlton Rewards, and Starwood Preferred Guest—into the Marriott Bonvoy program. Bonvoy members can use points for hotel stays, to book travel, and more.
"Work-From-Hotel" refers to offers hotels provide to people who can work remotely. Programs are available for one-day stays to extended stays. And, if you’re a loyalty member who has a hotel credit card, work-from-hotel stays are a good way to earn points and stay credits, too.
An annual percentage rate (APR) is the interest rate you pay each year on a loan, credit card, or other line of credit. It’s represented as a percentage of the total balance you have to pay.
The purchase annual percentage rate is the rate applied to a purchase balance to calculate the finance charge for the billing period, when it applies. When you charge a purchase to your credit card and carry the balance to the next billing cycle, for example, there will be a purchase APR applied to the unpaid portion of the balance.
Mastercard is one of four major U.S. processing networks, providing technology to facilitate electronic payments between consumers, businesses, and organizations.
A credit card issuer is a bank or credit union that offers credit cards and extends credit limits to cardholders who qualify. When consumers make credit card purchases, the credit card issuer is responsible for sending payments to merchants for purchases made with credit cards from that bank.
Co-branded credit cards are credit cards backed by a credit card network, card issuer, and a consumer brand such as Delta, Target, or Marriott.
Capital One Venture Rewards
The Capital One Venture Rewards program offers rewards in the form of miles, but they’re not like frequent flyer miles that have the most value when you redeem them for award flights. Rather, you can use your Venture miles to cover just about any travel-related expense or redeem them for statement credits, gift cards, and other options.
Chase Ultimate Rewards
Chase Ultimate Rewards is a point-based credit card rewards program that allows holders of certain Chase-branded credit cards to earn rewards on travel and everyday purchases. You can then redeem those awards for cash back, or use them to pay for past purchases.