1.Hilton Honors American Express Surpass® Card
American Express
- 12%Points on Hilton purchases
- 6%Points on U.S. dining, gas, and groceries
- 3%Points on all other purchases
Earn 130,000 Hilton Honors Bonus Points after spending $3,000 in purchases on the Card within the first 6 months.
Earn 12X points on Hilton purchases, 6X points on U.S. dining, gas, and groceries, and 3X points on all other purchases.
19.49%-28.49% Variable APR
The Hilton Honors American Express Surpass® Card earns the #1 spot due to its exceptional rewards structure for Hilton loyalists, offering 12X points on Hilton stays and valuable perks like automatic Gold status and annual statement credits that can easily offset the annual fee.
Pros:
- Automatic Hilton Honors Gold status
- Up to $200 in annual Hilton statement credits
Cons:
- Annual fee of $150
- Limited to Hilton properties for maximum rewards
- 6%Points at Marriott hotels
- 3%Points on gas, groceries, dining (first $6k/year)
- 2%Points on all other purchases
Earn 5 Free Night Awards (up to 50,000 points each) after spending $3,000 in the first 3 months.
Earn 6X points at Marriott hotels, 3X points on the first $6k/year at gas, groceries, dining, and 2X on all other purchases.
What sets the Marriott Bonvoy Boundless® Credit Card apart is its generous welcome bonus of 5 Free Night Awards, making it an excellent choice for frequent travelers who can maximize their stays at Marriott properties.
Pros:
- Automatic Silver Elite status
- Annual Free Night Award
Cons:
- Annual fee of $95
- Limited to Marriott properties for maximum rewards
- 10%Points at IHG properties
- 5%Points on travel, dining, and gas
- 3%Points on all other purchases
Earn 140,000 bonus points after spending $4,000 in the first 3 months, with limited-time offers reaching 175,000 points after $5,000.
Earn 10X points at IHG properties, 5X on travel/dining/gas, and 3X on general spending.
19.24%-27.74% Variable APR
The standout feature of the IHG One Rewards Premier Credit Card is its high-value welcome bonus, which can reach up to 175,000 points, making it a top choice for IHG loyalists looking to maximize their rewards.
Pros:
- Automatic Platinum Elite status
- Annual anniversary free night
Cons:
- Annual fee of $99
- Requires significant spending to maximize rewards
4.Hilton Honors American Express Aspire Card
American Express
- 14%Points on Hilton stays
- 7%Points on select travel and dining
- 3%Points on all other purchases
Earn 150,000 Hilton Honors Bonus Points after spending $6,000 in purchases within the first 6 months.
Earn 14X points on Hilton stays, 7X on select travel/dining, and 3X on all other purchases.
19.49%-28.49% Variable APR
This card shines for its premium benefits, including automatic Diamond status and substantial annual credits, making it the best option for frequent Hilton guests who can fully utilize its offerings.
Pros:
- Automatic Hilton Honors Diamond status
- Up to $400 in annual Hilton resort credits
Cons:
- High annual fee of $550
- Requires significant spending to maximize benefits
5.Marriott Bonvoy Brilliant® American Express® Card
American Express
- 6%Points on Marriott stays
- 3%Points at restaurants worldwide
Earn 100,000 Marriott Bonvoy bonus points after spending $6,000 in purchases within the first 6 months.
Earn 6X points on Marriott stays, 3X points at restaurants worldwide.
19.49%-28.49% Variable APR
The Marriott Bonvoy Brilliant® American Express® Card is designed for frequent travelers seeking luxury experiences, offering significant rewards and benefits that can offset its high annual fee.
Pros:
- Automatic Platinum Elite status
- Annual Free Night Award
Cons:
- High annual fee of $650
- Requires frequent Marriott stays to justify the cost
Final Words
As you consider the best hotel credit cards this February, remember that the right choice hinges on your travel habits and spending patterns. Take time to compare the options available, focusing on benefits that align with your needs, to make informed decisions that maximize your rewards and enhance your travel experiences.
Frequently Asked Questions
The Hilton Honors American Express Surpass® Card offers a welcome bonus of 130,000 Hilton Honors Bonus Points after spending $3,000 in purchases on the Card within the first 6 months. It also earns 12X points on Hilton purchases, 6X points on U.S. dining, gas, and groceries, and 3X points on all other purchases.
The Marriott Bonvoy Boundless® Credit Card provides a welcome bonus of 5 Free Night Awards (up to 50,000 points each) after spending $3,000 in the first 3 months. This can be a great way to enjoy multiple stays at Marriott properties.
The IHG One Rewards Premier Credit Card allows users to earn 140,000 bonus points after spending $4,000 in the first 3 months, with limited-time offers reaching 175,000 points after $5,000. Additionally, it provides 10X points at IHG properties, 5X on travel, dining, and gas, and 3X on all other purchases.
Hotel credit cards often come with annual fees, but the rewards and benefits they offer can outweigh these costs, especially for frequent travelers. Assess your travel habits and the value of the perks offered to determine if the card is worth it for you.
When selecting a hotel credit card, consider factors such as the welcome bonus, reward rates for hotel stays and everyday purchases, annual fees, and any additional perks like free night awards or status upgrades. Evaluate how well the card aligns with your travel habits and spending patterns.
Yes, hotel credit cards, like many rewards cards, may have variable APRs that can range from moderate to high. It's crucial to pay off your balance in full each month to avoid interest charges and maximize your rewards.
To maximize rewards with your hotel credit card, use it for hotel bookings, dining, and other eligible category purchases that earn higher points. Additionally, take advantage of any promotional offers or bonuses, and ensure you meet spending thresholds to receive welcome bonuses.
