In 2025, hotel credit cards continue to offer some of the most rewarding benefits for travelers who enjoy staying at premium hotels and resorts. Whether you’re a frequent business traveler, a family on vacation, or simply someone who loves to enjoy luxury accommodations, a good hotel credit card can help you earn valuable rewards like free stays, upgrades, and exclusive perks. In this article, we’ll review the 10 best hotel credit cards in the USA for 2025, so you can find the one that fits your travel needs.
1. Chase Sapphire Preferred Card
While not exclusively a hotel card, the Chase Sapphire Preferred® Card is one of the best travel rewards cards available. With a strong sign-up bonus and the ability to transfer points to a variety of hotel partners like Marriott Bonvoy, Hyatt, and IHG, this card is perfect for flexible travelers.
Key Features:
- 2x points on travel and dining
- 5x points on travel booked through Chase Ultimate Rewards
- 60,000-point sign-up bonus (worth $750 in travel)
- No foreign transaction fees
- Annual Fee: $95
Why it’s great for hotel stays: You can transfer points to leading hotel loyalty programs, earning free nights and upgrades with minimal effort.
2. Marriott Bonvoy Brilliant® American Express® Card
The Marriott Bonvoy Brilliant® card offers exceptional benefits for Marriott loyalists, including free night awards, elite status, and access to luxury perks.
Key Features:
- 6x points on Marriott purchases
- 3x points on dining and flights
- Free night award every year after your card anniversary (up to 50,000 points)
- $300 annual statement credit for Marriott purchases
- Annual Fee: $650
Why it’s great for hotel stays: Perfect for those who frequently stay at Marriott properties, offering a host of benefits like elite status and free night certificates.
3. The Platinum Card® from American Express
The Platinum Card® from American Express is ideal for luxury travelers who want to access high-end hotel perks. It’s not limited to a single brand but offers extensive travel benefits, including exclusive hotel offers through Amex Fine Hotels & Resorts.
Key Features:
- 5x points on flights and prepaid hotels
- Access to Amex Fine Hotels & Resorts, including room upgrades, daily breakfast for two, and late check-out
- $200 airline fee credit and $200 hotel credit
- Access to airport lounges worldwide
- Annual Fee: $695
Why it’s great for hotel stays: Enjoy luxury perks like room upgrades, free breakfast, and early check-in, as well as flexible points transfer to hotel partners.
4. Hilton Honors American Express Aspire Card
Hilton’s top-tier credit card provides premium benefits for those who prefer staying in Hilton properties, including automatic Diamond status, the highest tier in the Hilton Honors program.
Key Features:
- 14x points on Hilton purchases
- 7x points on flights, car rentals, and restaurants
- Free weekend night reward each year (and an additional one after spending $60,000)
- $250 Hilton resort credit
- Annual Fee: $450
Why it’s great for hotel stays: Hilton Honors Diamond status guarantees perks like room upgrades and guaranteed late check-out, making it a top choice for Hilton regulars.
5. World of Hyatt Credit Card
For Hyatt loyalists, the World of Hyatt Credit Card offers excellent rewards, including bonus points on Hyatt purchases and an automatic upgrade to Discoverist status, which brings some great hotel perks.
Key Features:
- 4x points at Hyatt hotels and resorts
- 2x points on local transit, restaurants, and airfare
- 1 free night after spending $15,000 each year
- 25% back on Hyatt points redemptions
- Annual Fee: $95
Why it’s great for hotel stays: Hyatt’s high-quality hotels and resorts provide exceptional value for those who love the brand, with additional perks such as free night rewards and bonus points.
6. IHG® Rewards Premier Credit Card
Ideal for frequent travelers to IHG hotels (including InterContinental, Holiday Inn, and Crowne Plaza), the IHG® Rewards Premier Credit Card provides great benefits, including automatic Platinum Elite status and a free night award.
Key Features:
- 10x points at IHG hotels
- 2x points on gas stations, groceries, and restaurants
- Free night award each year after your account anniversary (up to 40,000 points)
- $100 anniversary hotel credit
- Annual Fee: $99
Why it’s great for hotel stays: Offers a free night award, automatic Platinum Elite status, and a large earning rate on IHG properties.
7. Wells Fargo Autograph℠ Card
For those who want a card that offers great rewards on travel and dining but aren’t necessarily loyal to a single hotel brand, the Wells Fargo Autograph℠ Card provides versatile points that can be transferred to multiple hotel programs.
Key Features:
- 3x points on dining, travel, and streaming services
- 1.5x points on all other purchases
- $200 cash rewards bonus after spending $1,000 in the first 3 months
- No annual fee
Why it’s great for hotel stays: Use points for free nights or transfer to your favorite hotel loyalty programs, making it perfect for those who want flexibility.
8. Chase Sapphire Reserve®
For luxury travelers, the Chase Sapphire Reserve® offers high-end travel rewards and the ability to transfer points to hotel partners like Hyatt, Marriott, and IHG. It’s a versatile card with excellent travel benefits.
Key Features:
- 3x points on travel and dining
- 50% more value when you redeem points through Chase Ultimate Rewards
- $300 annual travel credit
- Access to Priority Pass airport lounges
- Annual Fee: $550
Why it’s great for hotel stays: Earn valuable points that can be transferred to top hotel programs for free stays, upgrades, and exclusive perks.
9. Capital One Venture X Rewards Credit Card
The Capital One Venture X card provides a simple way to earn rewards on every purchase while allowing flexible points transfers to top hotel partners like Wyndham Rewards and Marriott.
Key Features:
- 2x miles on all purchases
- 10x miles on hotels and rental cars booked through Capital One Travel
- 5x miles on flights booked through Capital One Travel
- $300 annual travel credit
- Annual Fee: $395
Why it’s great for hotel stays: With a high earning rate on hotels and the ability to transfer miles to hotel loyalty programs, this card is perfect for frequent travelers.
10. Citi Premier® Card
Although not a hotel-specific card, the Citi Premier® Card offers great flexibility with its point transfer options. You can transfer points to various hotel partners, including Hilton, IHG, and Marriott, making it an excellent choice for savvy travelers.
Key Features:
- 3x points on travel (including hotels, airfare, and restaurants)
- 2x points on dining and entertainment
- 1 point on all other purchases
- Annual Fee: $95
Why it’s great for hotel stays: With its versatile point transfer options and low annual fee, it’s an excellent choice for travelers who want to maximize rewards across various hotel chains.
Conclusion
Choosing the best hotel credit card in 2025 largely depends on your travel habits and brand loyalty. Whether you’re looking for a card that offers luxurious hotel perks, automatic status upgrades, or flexible points that can be transferred to multiple hotel programs, there’s a card that fits your needs. By selecting one of the cards from this list, you’ll unlock incredible rewards, making your hotel stays more rewarding than ever before. Always compare the benefits and annual fees to ensure you’re choosing the card that offers the best value for your lifestyle and travel preferences.