5 good reasons for a hotel credit card


Although there are many reward credit cards on the market that you can use to collect points for your next hotel stay, Hotel brand credit cards offer additional advantages that can also be worthwhile. If you’re still on the fence about applying for a hotel card, here are some of the best hotel credit card perks available today.

1. Annual free nights

One of the easiest ways to secure a free night in your favorite hotel is to mark the anniversary of your hotel card. Some hotel credit cards celebrate your membership by giving you a free night as a cardholder each year.

2. Access to great welcome bonuses

The best hotel credit cards offer cardholders the opportunity to collect points quickly. This includes welcome bonuses and bonus points in certain categories. For example the IHG® Rewards Club Premier Credit Card offers 10 points for every $ 1 spent at IHG hotels and 2 points for every $ 1 spent at gas stations, grocery stores, and restaurants.

Alternatively, the Marriott Bonvoy Boundless ™ Credit Card currently offers a pretty nice welcome bonus: Limited time offer! Earn 100,000 Bonus Points after spending $ 3,000 on purchases in the first 3 months after opening your account.

3. Credits for hotel stays or other travel discounts

Premium credit cards offer generous travel credit that can be tempting if you are always on the go. Selected hotel credit cards offer impressive travel credit that gives you added value before you reach your hotel and during your stay.

Whether through an airline for incidental expenses, a TSA pre-check, or credit for hotel credit, a hotel card like the Hilton Honors American Express Aspire Card can cover those expenses and help reduce the cost of your travel.

4. Free WiFi in the room

Free WiFi access in public places – like a coffee shop or your local public library – can make internet access feel like a standard expectation. However, some hotels still charge an additional fee for in-room Wi-Fi.

If you’re on a business trip or just want to stream a movie after a long day of adventure, having access to a reliable Wi-Fi connection in your comfortable room is essential. Some hotel cards offer the practical advantage of free internet access in the room during your stay, such as Marriott Bonvoy Boundless ™ Credit Card.

5. Automatic elite status

Once you’ve found a hotel chain that feels like home (or even better than home), elite status can open doors to perks that will enhance your stay. Many hotel credit cards give you an automatic status that would otherwise have cost a lot of time, money, and effort. Some hotel credit cards with automatic elite status are:

  • American Express Hilton Honors Aspire Card: Hilton Honors Diamond status (terms apply).

  • IHG® Rewards Club Premier Credit Card: IHG Rewards Platinum Elite status.

Depending on your hotel loyalty program, you may have access to elite benefits such as room upgrades (subject to availability), free breakfast, waived resort fees, and more. As an Elite member, you may also get access to exclusive plans.

Is a hotel credit card right for you?

A hotel credit card can make sense for you if you are already a fan of a particular hotel chain or property. A hotel branded card can be especially valuable if you typically spend at least a few nights a year with your preferred hotel chain. If you enjoy the privilege of added convenience, this type of card can unlock some of the hotel’s best credit card benefits.

However, there may also be restrictions to access these card benefits.

Many cards that offer high quality perks also have an annual fee, sometimes up to $ 450 per year. Before applying for a hotel credit card, check whether the card is worthwhile for you based on your personal travel habits. If you’re not a frequent traveler, these perks may not be worth the annual fee.

All American Express Hilton Honors Aspire Card information was independently collected by NerdWallet. The American Express Hilton Honors Aspire Card is no longer available through NerdWallet.

How to Maximize Your Rewards

You want a travel credit card that prioritizes what is important to you. Here are our tips for that The best travel credit cards 2021including the best for:

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