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Hotel cards or
rewards credit cards?
When it comes to travel credit cards, the choice between a hotel co-branded credit card and a general travel rewards credit card is not always a no-brainer. And what about such booking services like Airbnb? Your first move might be to check out for an Airbnb credit card, but there's no Airbnb-specific credit card like there are hotel credit cards. Luckily, it is still possible to earn rewards on your Airbnb bookings with rewards credit cards. Here you can see some best rewards credit cards from our partners below.
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top credit card WITH HOTEL
GREAT BONUS OFFER
UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
” Expert's opinion
This travel rewards credit card is great for travel and everyday shopping. The Discover it® Miles will automatically reward you with 1.5 miles for every dollar spent on purchases, everywhere. It's even easier to earn a bonus offer from Discover. All you need to get it is to shop and earn miles, when the first year of your cardmembership is over, Discover will simply match all miles you've earned. Earned miles can be redeemed as travel statement credits or cash, whichever you prefer.
Why travel cards are
more flexible THAN HOTEL
It is no secret that hotel credit cards can offer more rewards for hotel deals. But this generosity results into tiny bonuses for other purchases. The Hyatt Credit Card from Chase is no exception. The card allows to earn extra bonus points on Hyatt Hotels rooms and on a small category of other purchases. While for all major purchases, including rooms at any other hotels, you will earn the minimum 1 bonus point per $1. This means that you will have to stay at Hyatt really frequently in order to accumulate enough rewards for a free night. Speaking about travel rewards credit cards, they do not limit you to the particular issuing hotel. You can get miles for any travel purchases that typically include airline tickets, hotel rooms, car rentals, cruises, gasoline, etc.
As a rule, hotel co-branded cards allow to redeem bonuses only for a free night, a room upgrade or something similar in relation to participating hotels. Note that hotel chains often set specific room categories you can book using points as well as strict amounts of points you can redeem. Travel rewards credit cards are quite another story, as they are not bound by one hotel. The only thing you are required to do is to pay for the chosen hotel room with your travel rewards credit card. No other restrictions: no scopes in locations for rewards spending, no minimum and maximum amounts to redeem, no blackout dates. In addition, some of such cards give you an option to transfer miles to any of their travel partners loyalty programs or even redeem bonuses for cash back. In the latter case, you can let yourself go and spend the redeemed amount on whatever your heart desires.
For sure, hotel credit cards can attract with their numerous perks like a free one-night stay, trip cancellation insurance, or purchase protection. Nevertheless, you should not forget that such cards rarely presuppose a low annual fee. Here you are to decide whether you really need all those additional privileges. If you are not ready to pay a fortune for them, then a travel rewards credit card is your option. Yes, general travel cards may lack for a baggage delay insurance, but they can offer some different but not less worthwhile benefits and a better sign-up bonus. For example, the Capital One Venture Rewards Credit Card comes with up to $100 application fee credit for Global Entry or TSA Pre✓® and allows you to earn 75,000 miles equal to $750 in travel once you spend $4,000 on purchases within first 3 months.
HOTEL CREDIT CARDS
How to apply for Airbnb credit card. Can you help?
I often stay at Four Seasons but it seems it doesn't have rewards credit card. Are there any offers with hotels rewards?
Which is the best travel card to use?
It depends on how often you fly, your spending habits, and whether you are loyal to one particular airline. Thus, when you do not fly a lot, having an airline branded or travel tailored credit card won't have sense. You...Read more
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HOTEL CREDIT CARDS🜂
† With current restrictions and uncertainty about future travel, co-branded hotel credit cards with perks like tier-qualifying nights, room upgrades, rewards for hotel stays, and other travel benefits won't be of great use to you now. General-purpose travel cards that are not tied to any airline & any hotel and offer rewards on all purchases, including elevated rewards in select categories, are a better choice in the age of social distancing.