Best Credit Cards for Hotels (March 2026)
Ranked by actual rewards rates at hotels merchants. 15 cards tested.
Updated March 11, 2026·PointsPick Data Team
Data verified March 2026 · Methodology
Quick Answer
The best credit card for hotels in 2026 is the Sapphire Reserve Business ($795/yr annual fee). We compared 15 cards across rewards rates, fees, and benefits to find the top picks.
Top 15 Cards Compared
#1
Top Pick
10x Hotels & car re$795/yrNo FTF
Sapphire Reserve Business earns 10X on hotels & car rentals, no foreign transaction fee.
Rewards Rate
10xHotels & car rentals
5xFlights
4xDining
3xAll Other Travel
1.0xAll other purchases
Why we picked it: Sapphire Reserve Business earns 10X on hotels & car rentals, no foreign transaction fee.
Pros
- 10X on hotels & car rentals
- No foreign transaction fee
Cons
- High $795 annual fee
- No point transfer partners
#2
Runner Up
10x Hotels/car rent$95/yrNo FTF60,000 points
Strata Premier earns 10X on hotels/car rentals, for just $95/yr, no foreign transaction fee, plus a 60,000 points signup bonus.
Rewards Rate
10xHotels/car rentals
10xHotels/Car Rentals Via Citi Travel
3xDining
3xSupermarkets
1.0xAll other purchases
Why we picked it: Strata Premier earns 10X on hotels/car rentals, for just $95/yr, no foreign transaction fee, plus a 60,000 points signup bonus.
Pros
- 10X on hotels/car rentals
- Low $95/yr annual fee
- No foreign transaction fee
Cons
- $95/yr annual fee
#3
Best Bonus
10x Hotels and rent$395/yrNo FTF75,000 miles
Venture X earns 10X on hotels and rental cars, no foreign transaction fee, plus a 75,000 miles signup bonus.
Rewards Rate
10xHotels and rental cars
10xHotels And Rental Cars Via Capital One Travel
5xFlights And Vacation Rentals Via Capital One Travel
5xCapital One Entertainment
1.0xAll other purchases
Why we picked it: Venture X earns 10X on hotels and rental cars, no foreign transaction fee, plus a 75,000 miles signup bonus.
Pros
- 10X on hotels and rental cars
- No foreign transaction fee
- Transferable points to travel partners
Cons
- High $395 annual fee
#4
10x Hotels & rental$395/yrNo FTF
Venture X Business earns 10X on hotels & rental cars, no foreign transaction fee.
Rewards Rate
10xHotels & rental cars
5xFlights
2xEverything Else
1.0xAll other purchases
Why we picked it: Venture X Business earns 10X on hotels & rental cars, no foreign transaction fee.
Pros
- 10X on hotels & rental cars
- No foreign transaction fee
Cons
- High $395 annual fee
- No point transfer partners
#5
9x Hyatt propertie$95/yrNo FTF
World of Hyatt earns 9X on hyatt properties, for just $95/yr, no foreign transaction fee.
Rewards Rate
9xHyatt properties
2xDining
2xAirline Tickets
2xLocal Transit & Commuting
1.0xAll other purchases
Why we picked it: World of Hyatt earns 9X on hyatt properties, for just $95/yr, no foreign transaction fee.
Pros
- 9X on hyatt properties
- Low $95/yr annual fee
- No foreign transaction fee
Cons
- $95/yr annual fee
- No point transfer partners
#6
9x Hyatt hotels$199/yrNo FTF
World of Hyatt Business earns 9X on hyatt hotels, no foreign transaction fee.
Rewards Rate
9xHyatt hotels
2xDining
2xAirline Tickets
2xLocal Transit & Commuting
1.0xAll other purchases
Why we picked it: World of Hyatt Business earns 9X on hyatt hotels, no foreign transaction fee.
Pros
- 9X on hyatt hotels
- No foreign transaction fee
Cons
- $199/yr annual fee
- No point transfer partners
#7
17x Marriott proper$95/yrNo FTF
Marriott Bonvoy Boundless earns 17X on marriott properties, for just $95/yr, no foreign transaction fee.
Rewards Rate
17xMarriott properties
3xGas Stations, Dining, Groceries
2xEverything Else
1.0xAll other purchases
Why we picked it: Marriott Bonvoy Boundless earns 17X on marriott properties, for just $95/yr, no foreign transaction fee.
Pros
- 17X on marriott properties
- Low $95/yr annual fee
- No foreign transaction fee
Cons
- $95/yr annual fee
- No signup bonus
#8
10x Best Western pr$89/yrNo FTF
Best Western Rewards Premium earns 10X on best western properties, for just $89/yr, no foreign transaction fee.
#9
5x Flights & hotel$695/yrNo FTF
Business Platinum earns 5X on flights & hotels, no foreign transaction fee.
Rewards Rate
5xFlights & hotels
2xEligible Purchases $5,000+
2xUs Construction Material & Hardware
2xUs Electronic Goods Retailers
1.0xAll other purchases
Why we picked it: Business Platinum earns 5X on flights & hotels, no foreign transaction fee.
Pros
- 5X on flights & hotels
- No foreign transaction fee
Cons
- High $695 annual fee
- No point transfer partners
#10
5x Hotels$895/yrNo FTF
Platinum (Schwab) earns 5X on hotels, no foreign transaction fee.
Rewards Rate
5xHotels
5xFlights
1xEverything Else
1.0xAll other purchases
Why we picked it: Platinum (Schwab) earns 5X on hotels, no foreign transaction fee.
Pros
- 5X on hotels
- No foreign transaction fee
Cons
- High $895 annual fee
- No point transfer partners
#11
5x Hotels via Amex$895/yrNo FTFUp to 175,000 points
Platinum earns 5X on hotels, no foreign transaction fee, plus a Up to 175,000 points signup bonus.
Rewards Rate
5xHotels
5xFlights Booked Directly Or Via Amex Travel
5xHotels Via Amex Travel
1xEverything Else
1.0xAll other purchases
Why we picked it: Platinum earns 5X on hotels, no foreign transaction fee, plus a Up to 175,000 points signup bonus.
Pros
- 5X on hotels
- No foreign transaction fee
- Transferable points to travel partners
Cons
- High $895 annual fee
#12
5x Hotels$895/yrNo FTF
Platinum (Morgan Stanley) earns 5X on hotels, no foreign transaction fee.
Rewards Rate
5xHotels
5xFlights
1xEverything Else
1.0xAll other purchases
Why we picked it: Platinum (Morgan Stanley) earns 5X on hotels, no foreign transaction fee.
Pros
- 5X on hotels
- No foreign transaction fee
Cons
- High $895 annual fee
- No point transfer partners
#13
5x Hotels & rental$0/yr feeNo FTF
VentureOne earns 5X on hotels & rental cars, with no annual fee, no foreign transaction fee.
Rewards Rate
5xHotels & rental cars
1xEverything Else
1.0xAll other purchases
Why we picked it: VentureOne earns 5X on hotels & rental cars, with no annual fee, no foreign transaction fee.
Pros
- 5X on hotels & rental cars
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
#14
5x Hotels via Capi$95/yrNo FTF75,000 miles
Venture Rewards earns 5X on hotels, for just $95/yr, no foreign transaction fee, plus a 75,000 miles signup bonus.
Rewards Rate
5xHotels
5xHotels Via Capital One Travel
2xEverything Else
1.0xAll other purchases
Why we picked it: Venture Rewards earns 5X on hotels, for just $95/yr, no foreign transaction fee, plus a 75,000 miles signup bonus.
Pros
- 5X on hotels
- Low $95/yr annual fee
- No foreign transaction fee
Cons
- $95/yr annual fee
#15
5x Hotels & rental$99/yrNo FTF
Spark 2x Miles earns 5X on hotels & rental cars, no foreign transaction fee.
Rewards Rate
5xHotels & rental cars
2xEverything
1.0xAll other purchases
Why we picked it: Spark 2x Miles earns 5X on hotels & rental cars, no foreign transaction fee.
Pros
- 5X on hotels & rental cars
- No foreign transaction fee
Cons
- $99/yr annual fee
- No point transfer partners
RelatedSapphire Reserve Business vs Strata Premier·Sapphire Reserve Business Review·Strata Premier Review·Venture X Review·Venture X Business Review·World of Hyatt Review
Top 5 Picks in Detail
#1. Sapphire Reserve Business
The Sapphire Reserve Business from Chase earns 10x on hotels & car rentals for a $795/yr annual fee.
#2. Strata Premier
The Strata Premier from Citi earns 10x on hotels/car rentals via citi travel with a $95/yr fee that nets ~$505/yr on $500/mo hotels spend, plus a 60,000 points welcome bonus worth ~$600.
#3. Venture X
The Venture X from Capital One earns 10x on hotels and rental cars via capital one travel with a $395/yr fee that nets ~$205/yr on $500/mo hotels spend, plus a 75,000 miles welcome bonus worth ~$750.
#4. Venture X Business
The Venture X Business from Capital One earns 10x on hotels & rental cars with a $395/yr fee that nets ~$205/yr on $500/mo hotels spend.
#5. World of Hyatt
The World of Hyatt from Chase earns 9x on hyatt properties with a $95/yr fee that nets ~$445/yr on $500/mo hotels spend.
Our Methodology
Our hotels rankings are based on 15 data points across reward rates, annual fees, signup bonuses, and cardholder benefits. We pull data from 35+ independent verified sources including official card terms, issuer disclosures, and industry databases. Rankings are computed algorithmically with no affiliate influence on card placement or scoring. Cards are re-evaluated monthly as terms change. For the full breakdown of our scoring model, see our methodology page.
Frequently Asked Questions
What is the best credit card for hotels in 2026?
The Sapphire Reserve Business is our top-ranked card for hotels in 2026, earning 10X rewards with a $795/yr annual fee. We compared 15 qualifying cards based on category-specific bonus rates, annual fees, and cardholder benefits.
How did you rank these hotels credit cards?
We ranked 15 cards by their actual category-specific bonus rate using data from 35+ verified sources. Cards earning higher rewards in hotels rank higher. We also factor in annual fees, signup bonuses, and cardholder benefits.
Is there a no-annual-fee card for hotels?
Yes — the VentureOne is the top no-annual-fee option for hotels in our rankings.
How often are these rankings updated?
Rankings update automatically when card terms change. Data last verified: March 11, 2026.
PointsPick may earn a commission when you apply through our links. Full disclosure
This ranking draws on data from 35+ independent sources.
Rankings are data-driven with no affiliate influence on placement.
Last verified on March 11, 2026.
Full methodology: www.pointspick.com/methodology.