A free hotel credit card finder that shows the status, night credits and free nights each card includes, from each issuer's own page.
5.0(1 rating)Find the hotel credit cards you can get from where you live, with the status, night credits and free nights each one includes.
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This free finder shows the best hotel credit cards: the cards that include hotel status, night credits toward the next tier, free nights and welcome bonuses, for Marriott Bonvoy, Hilton Honors, World of Hyatt and IHG One Rewards.
Pick where you live, and the finder puts the cards you can get first, with what each one asks for.
Here's what a hotel card gives you, every card by program, and how to pick one for the way you travel.
What is a hotel credit card?
It's a credit card made with a hotel program, and most give you some of these:
- Elite status – the program's tier while you hold the card, like Marriott Bonvoy Gold Elite or Hilton Honors Diamond
- Night credits – a head start each year toward the next tier
- A free night – every year, or after a spending target
- Points – extra points at the program's hotels, and a welcome bonus
Which of these is worth the annual fee depends on the hotels you stay at.
How to use the hotel credit card finder
Your choices stay in this browser, so the list is ready when you come back.
The best hotel credit cards, by program
Here's the status each card includes, the night credits it adds each year, and its annual fee:
Marriott Bonvoy
Bonvoy Brilliant (US)- Status it includes
- Platinum Elite
- Night credits a year
- 25
- Annual fee
- $650 a year
Bonvoy Boundless (US)- Status it includes
- Silver Elite
- Night credits a year
- 15
- Annual fee
- $95 a year
Bonvoy Bevy (US)- Status it includes
- Gold Elite
- Night credits a year
- 15
- Annual fee
- $250 a year
Bonvoy Bold (US)- Status it includes
- Silver Elite
- Night credits a year
- 5
- Annual fee
- No annual fee
Amex Platinum (US)- Status it includes
- Gold Elite
- Night credits a year
- None listed
- Annual fee
- $895 a year
Bonvoy Business (US)- Status it includes
- Gold Elite
- Night credits a year
- 15
- Annual fee
- $125 a year
Marriott Bonvoy (UK)- Status it includes
- Silver Elite
- Night credits a year
- 15
- Annual fee
- £95 a year
Marriott Bonvoy (UAE)- Status it includes
- Gold Elite
- Night credits a year
- 15
- Annual fee
- AED 1,575 a year, AED 1,575 to join
Hilton Honors
Amex Platinum (US)- Status it includes
- Gold
- Night credits a year
- None listed
- Annual fee
- $895 a year
Hilton Honors (US)- Status it includes
- Silver
- Night credits a year
- None listed
- Annual fee
- No annual fee
Hilton Surpass (US)- Status it includes
- Gold
- Night credits a year
- None listed
- Annual fee
- Free in year 1, then $150 a year
Hilton Aspire (US)- Status it includes
- Diamond
- Night credits a year
- None listed
- Annual fee
- $550 a year
Hilton Business (US)- Status it includes
- Gold
- Night credits a year
- None listed
- Annual fee
- $195 a year
World of Hyatt
World of Hyatt (US)- Status it includes
- Discoverist
- Night credits a year
- 5
- Annual fee
- $95 a year
IHG One Rewards
IHG Premier (US)- Status it includes
- Platinum Elite
- Night credits a year
- None listed
- Annual fee
- $99 a year
IHG Traveler (US)- Status it includes
- Silver Elite
- Night credits a year
- None listed
- Annual fee
- No annual fee
American Express says its Marriott card night credits are limited per Marriott Bonvoy member account, so two Marriott cards don't add up.
The Marriott Bonvoy status calculator counts only the largest.
How to choose a hotel credit card
Start with the program you already stay with most, then weigh three things:
- The status you'd use – a tier's benefits only matter at the hotels you book
- The free night against the fee – compare what a yearly free night is worth at the hotels you'd pick with what the card costs
- Where you live – every card here comes from a US issuer except the UK Marriott Bonvoy American Express Card and Emirates NBD's Marriott Bonvoy card in the UAE, and each issuer asks where you live
If status is the goal, the Marriott Bonvoy status calculator shows how many nights you'd still need on top of a card's night credits.
Credit history and hotel credit card approval
Being able to apply isn't the same as being approved.
Card issuers look at your credit history, and it's kept country by country, so a history built in one country usually doesn't show up in another.
A few official lines show how this works:
- Chase – sets each card's interest rate "based on your creditworthiness and other factors", and says it requires a Social Security number for its business cards
- American Express UK – asks for no history of bad debt, a permanent UK home address and a UK bank account
- American Express Global Card Relationship – lets Card Members who move apply for a card in their new country, in select countries, using their existing Amex relationship
That's why the finder counts a local credit history as something you may not have yet, and marks those cards medium for you.
The hotel credit cards, one by one
Marriott Bonvoy Boundless Credit Card
Chase · Credit cardA free Marriott night every year, for $95- Annual fee
- $95 a year
- Welcome bonus
- 3 Free Night Awards after $3,000 in 3 months
- Foreign fee
- None
- Rewards
- Up to 17x at Marriott
- Lounges
- Not listed
- Interest
- 19.49% to 27.99%
It gives a Free Night Award every anniversary, automatic Silver Elite status and 15 Elite Night Credits a year, with no foreign transaction fees.
- No foreign transaction fees
- A Free Night Award every anniversary
- Silver Elite status and 15 Elite Night Credits a year
- $95 a year
What you need to apply: A Social Security number or an ITIN; a physical US address (generally required); 18 or over
Visit ChaseMarriott Bonvoy Bold Credit Card
Chase · Credit cardMarriott points with no annual fee- Annual fee
- No annual fee
- Welcome bonus
- 45,000 Marriott Bonvoy points after $1,000 in 3 months
- Foreign fee
- None
- Rewards
- Up to 14x at Marriott
- Lounges
- Not listed
- Interest
- 19.49% to 27.99%
It has no annual fee and no foreign transaction fees, with automatic Silver Elite status and 5 Elite Night Credits a year.
- No annual fee
- No foreign transaction fees
- Silver Elite status
- Up to 14x at Marriott, fewer than the Boundless
What you need to apply: A Social Security number or an ITIN; a physical US address (generally required); 18 or over
Visit ChaseAmerican Express Platinum Card
American Express · Charge cardLounges and travel credits- Annual fee
- $895 a year
- Welcome bonus
- As high as 175,000 Membership Rewards points after $12,000 in 6 months
- Foreign fee
- None
- Rewards
- 5x on flights and hotels
- Lounges
- Global Lounge Collection
- Interest
- 19.74% to 28.74%
It opens the Global Lounge Collection, earns 5x points on flights and prepaid hotels, and adds statement credits such as Uber Cash and CLEAR+.
- No foreign transaction fees
- The Global Lounge Collection
- Marriott Bonvoy Gold Elite and Hilton Honors Gold status
- Carries your Amex history to cards in other countries (Global Card Relationship)
- $895 a year
Visit American ExpressMarriott Bonvoy Brilliant American Express Card
American Express · Credit cardMarriott Platinum Elite status and unlimited lounges- Annual fee
- $650 a year
- Welcome bonus
- 150,000 Marriott Bonvoy points + $250 credit after $6,000 in 6 months
- Foreign fee
- None
- Rewards
- 6x at Marriott hotels
- Lounges
- Priority Pass, unlimited
- Interest
- Not listed
It includes Marriott Bonvoy Platinum Elite status, 25 Elite Night Credits a year, a Free Night Award every year, and unlimited Priority Pass visits.
- Marriott Bonvoy Platinum Elite status
- Unlimited Priority Pass lounge visits
- No foreign transaction fees
- A Free Night Award every year
- $650 a year
Visit American ExpressMarriott Bonvoy Bevy American Express Card
American Express · Credit cardMarriott Gold Elite status- Annual fee
- $250 a year
- Welcome bonus
- 125,000 Marriott Bonvoy points + $150 credit after $5,000 in 6 months
- Foreign fee
- None
- Rewards
- 6x at Marriott hotels
- Lounges
- Not listed
- Interest
- Not listed
It includes Marriott Bonvoy Gold Elite status, 15 Elite Night Credits a year, and 1,000 bonus points for each paid stay booked with Marriott.
- Marriott Bonvoy Gold Elite status
- No foreign transaction fees
- 1,000 bonus points per paid stay
- $250 a year
Visit American ExpressHilton Honors American Express Card
American Express · Credit cardHilton points with no annual fee- Annual fee
- No annual fee
- Welcome bonus
- 70,000 Hilton Honors points + a free night after $2,000 in 6 months
- Foreign fee
- None
- Rewards
- 7x at Hilton hotels
- Lounges
- Not listed
- Interest
- 19.74% to 28.74%
It has no annual fee, includes Hilton Honors Silver status, earns 7x points at Hilton hotels, and charges no foreign transaction fees.
- No annual fee
- Hilton Honors Silver status
- No foreign transaction fees
- Gold status needs $20,000 of spending in a year
Visit American ExpressHilton Honors American Express Surpass Card
American Express · Credit cardHilton Gold status and yearly Hilton credits- Annual fee
- Free in year 1, then $150 a year
- Welcome bonus
- 130,000 Hilton Honors points + a free night after $3,000 in 6 months
- Foreign fee
- None
- Rewards
- 12x at Hilton hotels
- Lounges
- Not listed
- Interest
- 19.74% to 28.74%
It includes Hilton Honors Gold status, up to $200 a year in Hilton credits, and a Free Night Reward after $15,000 of spending in a calendar year, with no foreign transaction fees.
- Hilton Honors Gold status
- Up to $200 a year in Hilton credits
- No foreign transaction fees
- $150 a year after the first year
Visit American ExpressHilton Honors American Express Aspire Card
American Express · Credit cardHilton Diamond status and a free night every year- Annual fee
- $550 a year
- Welcome bonus
- 200,000 Hilton Honors points after $6,000 in 6 months
- Foreign fee
- None
- Rewards
- 14x at Hilton hotels
- Lounges
- Not listed
- Interest
- 19.74% to 28.74%
It includes Hilton Honors Diamond status, a Free Night Reward every year, up to $400 a year in Hilton Resort credits and up to $200 in flight credits, with no foreign transaction fees.
- Hilton Honors Diamond status
- A Free Night Reward every year
- Up to $400 a year in Hilton Resort credits
- $550 a year
Visit American ExpressWorld of Hyatt Credit Card
Chase · Credit cardA Hyatt free night every year, for $95- Annual fee
- $95 a year
- Welcome bonus
- 30,000 World of Hyatt points + up to 30,000 more after $3,000 in 3 months
- Foreign fee
- None
- Rewards
- Up to 9x at Hyatt
- Lounges
- Not listed
- Interest
- Not listed
It gives a free night at a Category 1-4 Hyatt every year, Discoverist status, and 5 tier-qualifying night credits a year plus 2 more for every $5,000 you spend, with no foreign transaction fees.
- A free night every year
- Discoverist status and 5 night credits a year
- No foreign transaction fees
- $95 a year
What you need to apply: A Social Security number or an ITIN; a physical US address (generally required); 18 or over
Visit ChaseIHG One Rewards Premier Credit Card
Chase · Credit cardIHG Platinum Elite and an anniversary free night- Annual fee
- $99 a year
- Welcome bonus
- 140,000 IHG One Rewards points after $3,000 in 3 months
- Foreign fee
- None
- Rewards
- Up to 26x at IHG
- Lounges
- Not listed
- Interest
- Not listed
It includes IHG Platinum Elite status, an Anniversary Free Night every year, and the 4th night free on 4-night reward stays, with no foreign transaction fees.
- IHG Platinum Elite status
- An Anniversary Free Night every year
- No foreign transaction fees
- $99 a year
What you need to apply: A Social Security number or an ITIN; a physical US address (generally required); 18 or over
Visit ChaseIHG One Rewards Traveler Credit Card
Chase · Credit cardIHG points with no annual fee- Annual fee
- No annual fee
- Welcome bonus
- 80,000 IHG One Rewards points after $2,000 in 3 months
- Foreign fee
- None
- Rewards
- Up to 17x at IHG
- Lounges
- Not listed
- Interest
- Not listed
It has no annual fee, includes IHG Silver Elite status, and gives the 4th night free on 4-night reward stays, with no foreign transaction fees.
- No annual fee
- IHG Silver Elite status
- No foreign transaction fees
- No yearly free night
What you need to apply: A Social Security number or an ITIN; a physical US address (generally required); 18 or over
Visit ChaseMarriott Bonvoy American Express Card
American Express · Credit cardMarriott status and night credits in the UK- Annual fee
- £95 a year
- Welcome bonus
- 20,000 Marriott Bonvoy points after £3,000 in 3 months
- Foreign fee
- 2.99%
- Rewards
- 6x at Marriott hotels
- Lounges
- Not listed
- Interest
- 29.1% p.a.
It includes Marriott Bonvoy Silver Elite status and 15 Elite Night Credits a year, with Gold Elite once you spend £15,000 a year. It charges 2.99% on spending in other currencies.
- Silver Elite status and 15 Elite Night Credits a year
- Gold Elite at 15,000 GBP of spending a year
- 2.99% on spending in other currencies
- Needs a permanent UK address and 20,000 GBP a year in income
What you need to apply: Residence in the UK; £20,000 a year; 18 or over; a current UK bank or building society account; a permanent UK home address; no history of bad debt
Visit American ExpressEmirates NBD Marriott Bonvoy World Elite Mastercard
Emirates NBD · Credit cardMarriott Gold Elite and points in the UAE- Annual fee
- AED 1,575 a year, AED 1,575 to join
- Welcome bonus
- Up to 200,000 Marriott Bonvoy points, 100,000 on joining, 100,000 after US$15,000
- Foreign fee
- 1.99% + about 1.15%
- Rewards
- Up to 6 points per US$1
- Lounges
- Mastercard Travel Pass
- Interest
- 3.25%
It gives automatic Marriott Bonvoy Gold Elite status, 15 Elite Night Credits a year toward Platinum, a Free Night Award every year, and lounges through Mastercard Travel Pass.
- Automatic Marriott Bonvoy Gold Elite status
- An annual Free Night Award
- Up to 6 Marriott Bonvoy points per US$1
- Airport lounges with Mastercard Travel Pass
- AED 1,575 to join and AED 1,575 a year
- Minimum salary AED 25,000
- Needs an Emirates ID and a security cheque
What you need to apply: Residence in the UAE; aED 25,000 salary, period not stated; original Emirates ID and copy with passport copy; latest salary certificate (salaried) or trade license (non-individuals); latest 3-month original bank statements; a security cheque
Visit Emirates NBDHilton Honors American Express Business Card
American Express · Credit cardHilton Gold status for business travel- Annual fee
- $195 a year
- Welcome bonus
- 150,000 Hilton Honors points + a free night after $8,000 in 6 months
- Foreign fee
- None
- Rewards
- 12x at Hilton hotels
- Lounges
- Not listed
- Interest
- 19.74% to 28.74%
It includes Hilton Honors Gold status, earns 12x points at Hilton, and gives up to $240 a year in statement credits, with no foreign transaction fees.
- Hilton Honors Gold status
- Up to $240 a year in statement credits
- No foreign transaction fees
- $195 a year
Visit American ExpressMarriott Bonvoy Business American Express Card
American Express · Credit cardMarriott Gold Elite and night credits for business- Annual fee
- $125 a year
- Welcome bonus
- 100,000 Marriott Bonvoy points + a free night after $8,000 in 6 months
- Foreign fee
- None
- Rewards
- 6x at Marriott hotels
- Lounges
- Not listed
- Interest
- 19.74% to 28.74%
It includes Marriott Bonvoy Gold Elite status and 15 Elite Night Credits a year, earns 6x at Marriott hotels, and charges no foreign transaction fees.
- Marriott Bonvoy Gold Elite status
- 15 Elite Night Credits a year
- No foreign transaction fees
- $125 a year
Visit American ExpressThe bank accounts and cards I use
I'm not a US citizen, and I bank with Chase: I have Chase Private Client and Chase Business Complete Checking. Private Client has no foreign exchange fees and no ATM fees worldwide, and Chase waives its $35 monthly fee when you keep $150,000 or more with it.
Private Client is great if you qualify, but it's harder to get. You need proof of a US address, which you can get without living in the US, by staying there for a while or getting a short contract there. After that it's usually easy, especially with a good relationship with your banker. It depends on the banker and what they think: one turned me down, and another in the same city said yes.
Most people start with a regular account like Chase Total Checking, and I think it's still better than most other US banks. For a US company, I also like Mercury.
I keep a big bank on purpose. A neobank like Wise or Mercury can shut an account down, and with Chase that's very hard. And if JPMorgan Chase ever went under, I think we'd have bigger problems to worry about: it would be the end of the American economy, and in many ways the world's.
I use Wise to hold and convert other currencies, and I bank with HSBC in the UK. I've had American Express cards in the US and in the UK, where I had the Platinum, personal and business. I'm Marriott Bonvoy Titanium Elite.
In Dubai, I banked with Emirates NBD and Mashreq, and had Emirates NBD's Marriott and Emirates cards. I'd recommend Wio Personal and Wio Business there, because they have by far the best UI, but I'd still try to get an Emirates NBD account too.
That's my own mix, not a ranking. I haven't lived everywhere, so the hotel credit card finder stays objective: the order comes from the rules above, never from what I use.
The Wise link is an affiliate link, so I may earn a commission at no extra cost to you.
Where the facts on these hotel credit cards come from
Every fee, rule and requirement comes from the provider's own pages: its product page, fee schedule, pricing and terms, or eligibility page.
Deposit protection comes from each scheme's own site, and each hotel credit card lists its sources with the date I read them.
When a provider doesn't publish something, the finder leaves it empty and says so, rather than filling it in from a comparison site.
Fees change, so check the provider before you apply.
It's information, not financial advice.
Who is the hotel credit card finder for?
It's for anyone who stays at the same hotel brands often, and each of them has a next step:
- Marriott Bonvoy status calculator – what a Marriott card's status and night credits do for your year
- Travel credit card finder – cards compared by foreign fees and lounges
- Card finder – every card you can get from where you live
- Card fees abroad calculator – what a card costs when you pay abroad
Check each issuer's page before you apply, since offers and benefits change.
Hotel Credit Card Finder FAQs
Questions about banks and cards abroad? Here's what to know.
It depends on the program you stay with most.
For Marriott Bonvoy, the US Marriott Bonvoy Brilliant includes Platinum Elite status; for Hilton Honors, the Aspire includes Diamond status.
Every card in the finder includes a tier, from Marriott Bonvoy Silver Elite on the Boundless to Hilton Honors Diamond on the Aspire.
The US American Express Platinum Card includes Marriott Bonvoy Gold Elite and Hilton Honors Gold too.
The Marriott Bonvoy Boundless and Brilliant, the Hilton Honors Aspire, the World of Hyatt Credit Card and the IHG One Rewards Premier each give one every year.
Some others give one after a spending target, like the Hilton Honors Surpass after $15,000 in a calendar year.
Yes, in some countries: the Marriott Bonvoy American Express Card in the UK, and Emirates NBD's Marriott Bonvoy card in the UAE, each for residents.
Marriott lists its co-brand cards in more countries in its program terms.
Not for Marriott: American Express says card night credits are limited per Marriott Bonvoy member account.
So two Marriott cards give the credits of one.
I did. I'm Navid Moazzez, and the hotel credit card finder is one of my free tools on navid.me.
Read about me, or see my creator profile.
Navid Moazzez
AI business strategist & AI OS builder
Navid Moazzez helps creators and founders master AI and build their own AI Operating System (AI OS) to automate their business and life.
Navid.me is reader-supported. When you buy through links on this site, I may earn an affiliate commission. Learn more.
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