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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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Compare rewards credit cards for hotel stays

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Compare travel credit cards to find the best

VIEWING 1 - 4 of 12

our choice

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

Rating 4.4
on Capital One's secure website

Excellent, Good Credit 

Rating 5.0
on Citi's secure website

Excellent, Good Credit 

Rating 4.4
on Citi's secure website

Excellent, Good Credit 

Rating 4.4
on Capital One's secure website

Excellent Credit 

Rating 4.5
on Citi's secure website

Excellent, Good Credit 

Rating 5.0
on Discover's secure website

Excellent/Good Credit 

Rating 4.2
on Citi's secure website

Excellent, Good Credit 

Excellent, Good Credit 

REWARDS
Rewards bonus
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.
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
No
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases in the first 3 months of account opening
Rewards on hotel purchases
1.5x Miles per dollar on all purchases
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Earn 1X ThankYou® Points on All Purchases
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
10X Miles on hotels and rental cars booked through Capital One Travel
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
1% unlimited cash back on all other purchases - automatically
Earn 1 AAdvantage® mile for every $1 spent on other purchases
See website for details
Rewards on everyday purchases
1.5x Miles per dollar on all purchases
2X Miles per dollar on every purchase, every day
Earn 1X ThankYou® Points on All Purchases
Earn 1 Point per $1 spent on all other purchases
2X Miles per dollar on every purchase, every day
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
1% unlimited cash back on all other purchases - automatically
Earn 1 AAdvantage® mile for every $1 spent on other purchases
See website for details
Rewards expiration
Rewards never expire.µ
Miles won't expire for the life of the account and there's no limit to how many you can earn
Points do not expire provided your account is active and in good standingµ
Points do not expire provided your account is active and in good standingµ
Miles won't expire for the life of the account and there's no limit to how many you can earnµ
Your points will never expire as long as your account remains open.µ
Cash rewards never expire.µ
Miles will not expire if you earn or redeem miles once every 24 monthsµ
Miles will not expire if you earn or redeem miles once every 24 monthsµ
Available hotels
Any Hotel
Any Hotel
Any Hotel
Any Hotel
Any Hotel
Any Hotel
Any Hotel
Any Hotel
Any Hotel
RATES AND FEES
Intro APR on purchases
0% Intro APR (15 months)
N/A
0% (15 months)
N/A
N/A
N/A
0% Intro APR (15 months)
N/A
N/A
Regular APR
15.74% - 26.74% Variable APR
18.99% - 26.99% (Variable)
17.24% - 27.24% (Variable)
19.74% - 27.74% (Variable)
19.99% - 26.99% (Variable)
17.74% - 27.74% (Variable)
15.74% - 26.74% Variable APR
19.74% - 28.74% (Variable)
19.74% - 28.74% (Variable)
Annual fee
$0
$95
$0
$95
$395
$0
$0
$0
$450
Foreign transaction fee
None
None
3%
0%
None
3%
None
3%
0%
U.S. Availability
Available to the U.S. residents
Available to the U.S. residents
Available to the U.S. residents
Available to the U.S. residents
Available to the U.S. residents
Available to the U.S. residents
Available to the U.S. residents
Available to the U.S. residents
Available to the U.S. residents

More about
top credit card WITH HOTEL
REWARDS 2022

Discover it® Miles apply
on Discover's secure website
Rating 5.0

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.

GOOD REWARDS

  • 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.

Excellent/Good Credit

Why travel cards are
more flexible THAN HOTEL
CREDIT CARDS?

Earn Rewards
Rewards earning

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.

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apply on Discover's secure website
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
Redeem Rewards for Travel
No redemption limitations

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.

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apply on Citi's secure website

Redeem ThankYou® Points for gift cards, travel rewards, shop with points and moreµ

Low Fees Credit Cards
Special perks

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.

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apply on Capital One's secure website

Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options

Annual Fee: $95

Updated: Dec 07, 2022

questions ABOUT
HOTEL CREDIT CARDS

How to apply for Airbnb credit card. Can you help?

Unfortunately, Airbnb doesn't offer any credit card. So, you may choose from travel rewards credit cards. For example, you may like the Discover it® Miles credit card. Using this card,...

Read more
I often stay at Four Seasons but it seems it doesn't have rewards credit card. Are there any offers with hotels rewards?

You may choose from travel rewards credit cards. Such cards will give you rewards on all purchases and flexible redemption options. You may redeem rewards for any hotel you want and for other travel...

Read more
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
See all questions

NEED HELP TO CHOOSE A CARD?

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comments ABOUT
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.

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