Wayloft Picks · 2026
Best Credit Cards for Hotels
Free nights, elite status, and more.
Whether you're loyal to one chain or want flexibility, these hotel cards deliver the best value for frequent (and occasional) travelers.
At a Glance
| # | Card | Annual Fee | Signup Bonus | Best For |
|---|---|---|---|---|
| 1 | Wells Fargo Autograph Journey Wells Fargo | $95 | 60,000 pts | hotel & airline earningWells Fargo customers |
| 2 | Chase Sapphire Reserve Chase | $795 | 125,000 pts | premium travelersflights & hotels direct |
| 3 | Citi Strata Premier Citi | $95 | 60,000 pts | all-around travel cardgas & groceries combo |
| 4 | Hilton Honors American Express Aspire Amex | $550 | 175,000 pts | Hilton Diamond statuspremium Hilton loyalists |
| 5 | IHG One Rewards Premier Chase | $99 | 140,000 pts | IHG loyalistsfree annual night |
| 6 | Hilton Honors American Express Surpass Amex | $150 | 130,000 pts | Hilton loyalistsgrocery & gas earning |
Wells Fargo Autograph Journey
$95/year · 60,000 pts after $4,000 in 3mo
hotels
5x
flights
4x
car rentals
3x
dining
3x
Chase Sapphire Reserve
$795/year · 125,000 pts after $6,000 in 3mo
flights
4x
hotels
4x
dining
3x
travel
1x
Citi Strata Premier
$95/year · 60,000 pts after $4,000 in 3mo
travel
3x
dining
3x
groceries
3x
gas
3x
Hilton Honors American Express Aspire
$550/year · 175,000 pts after $6,000 in 6mo
brand property
14x
flights
7x
dining
7x
IHG One Rewards Premier
$99/year · 140,000 pts after $3,000 in 3mo
brand property
26x
travel
5x
dining
5x
gas
5x
Hilton Honors American Express Surpass
$150/year · 130,000 pts after $3,000 in 6mo
brand property
12x
dining
6x
groceries
6x
gas
6x
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