Best Cards with Hotel Credit 2026

Annual hotel credits and property credits that reduce accommodation costs. 3 cards with $2,610+ in total sign-up bonus value.

Chase

Chase Sapphire Preferred

70,000 points
~$1,050 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
3x dining3x streaming2x travel+1 more
Apply NowDetails
American Express

The Platinum Card from American Express

80,000 points
~$960 value
Spend Required$8,000 in 6 months
Annual Fee$695
Base Rewards1x on all purchases
5x flights booked directly5x hotels via Amex Travel
Apply NowDetails
Citi

Citi Premier Card

60,000 points
~$600 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
3x restaurants3x supermarkets3x gas+2 more
Apply NowDetails

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Frequently Asked Questions

How do hotel credits work?

Hotel credits apply as statement credits when you book qualifying stays. Some cards like the Amex Platinum offer $200 in hotel credits at specific booking portals, while co-branded hotel cards may offer on-property credits.

Are hotel credits easy to use?

It depends on the card. Some credits apply broadly to any hotel booking, while others are restricted to specific hotel chains or booking channels. Check your card terms for eligible purchases.