Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Hotel business credit cards come with serious perks, like free stays, elite status, room upgrades and massive sign-up bonuses. If your work requires frequent out-of-town trips, a hotel card can be a great complement to your main business credit card.
Hotel cards are tied to a specific chain, like Hilton, Marriott or Wyndham. You earn the most when you spend at its properties — as much as double-digit points for each dollar with some options — and rewards carry the most weight when redeemed for nights with that brand. That means the right hotel business credit card for you depends almost entirely on where you like to stay.
Don’t want to be tied to a specific hotel brand? Consider a general business travel card with rewards that can be redeemed on a wide variety of travel expenses.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Hotel business credit cards come with serious perks, like free stays, elite status, room upgrades and massive sign-up bonuses. If your work requires frequent out-of-town trips, a hotel card can be a great complement to your main business credit card.
Hotel cards are tied to a specific chain, like Hilton, Marriott or Wyndham. You earn the most when you spend at its properties — as much as double-digit points for each dollar with some options — and rewards carry the most weight when redeemed for nights with that brand. That means the right hotel business credit card for you depends almost entirely on where you like to stay.
Don’t want to be tied to a specific hotel brand? Consider a general business travel card with rewards that can be redeemed on a wide variety of travel expenses.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Here are the best hotel business credit cards
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Welcome bonus The Hilton Honors American Express Business Card Apply now on American Express' website Rates & Fees | 4.8/5 | $195 | 3x-12x Points | 175,000 Points | Apply now on American Express' website Rates & Fees |
Elite status World of Hyatt Business Credit Card Apply now on Chase's website | 4.9/5 | $199 | 1x-9x Points | 60,000 Points | Apply now on Chase's website |
Overall hotel business card Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees | 4.9/5 | $125 | 2x-6x Points | 50,000 Points | Apply now on American Express' website Rates & Fees |
Bonus category rewards IHG One Rewards Premier Business Credit Card Apply now on Chase's website | 5.0/5 | $99 | 3x-26x Points | 140,000 Points | Apply now on Chase's website |
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Welcome bonus The Hilton Honors American Express Business Card Apply now on American Express' website Rates & Fees | 4.8/5 | $195 | 3x-12x Points | 175,000 Points | Apply now on American Express' website Rates & Fees |
Elite status World of Hyatt Business Credit Card Apply now on Chase's website | 4.9/5 | $199 | 1x-9x Points | 60,000 Points | Apply now on Chase's website |
Overall hotel business card Marriott Bonvoy Business® American Express® Card Apply now on American Express' website Rates & Fees | 4.9/5 | $125 | 2x-6x Points | 50,000 Points | Apply now on American Express' website Rates & Fees |
Bonus category rewards IHG One Rewards Premier Business Credit Card Apply now on Chase's website | 5.0/5 | $99 | 3x-26x Points | 140,000 Points | Apply now on Chase's website |
I'M INTERESTED IN:
Our pick for
Welcome bonus
Annual fee
$195
Rewards rate
3x-12x Points
Intro offer
175,000 Points
Pros
- High rewards rate
- Automatic elite status
- Luxury perks
Cons
- Has annual fee
- No free anniversary night
This card has one of the best welcome offers around and cardholders get automatic Hilton Honors Gold status, which comes with perks like room upgrades at select hotels and complimentary breakfast or daily food and beverage credits.
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 1/8/2025.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- Terms apply.
View Rates & Fees
Our pick for
Elite status
World of Hyatt Business Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$199
Rewards rate
1x-9x Points
Intro offer
60,000 Points
Pros
- New cardholder bonus offer
- High rewards rate
- No foreign transaction fees
- Automatic elite status
Cons
- Requires good/excellent credit
- Has annual fee
- No intro APR
- No free anniversary night
Annual fee
$199
Rewards rate
1x-9x Points
Intro offer
60,000 Points
Pros
- New cardholder bonus offer
- High rewards rate
- No foreign transaction fees
- Automatic elite status
Cons
- Requires good/excellent credit
- Has annual fee
- No intro APR
- No free anniversary night
This card doesn't give you Hyatt's top-tier status by default (if only). You start at Discoverist, but get a head start to climbing to the next tier with 5 Tier-Qualifying night credits. Plus, as an added status perk, up to five of your employees can also receive Discoverist status.
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
- Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
Our pick for
Overall hotel business card
Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
50,000 Points
Pros
- Anniversary perk
- High rewards rate
- Automatic elite status
Cons
- Has annual fee
- Rewards have limited flexibility
- Lower acceptance abroad
If you're not already loyal to a specific chain, Marriott's card is tough to beat. Cardholders get a great welcome offer, a free night each year and automatic Gold Elite status, which comes with perks like late checkout and complimentary room upgrades (when available).
- WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
View Rates & Fees
Our pick for
Bonus category rewards
IHG One Rewards Premier Business Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$99
Rewards rate
3x-26x Points
Intro offer
140,000 Points
Pros
- High rewards rate
- Automatic elite status
- Anniversary perks
- No foreign transaction fee
Cons
- Has annual fee
- Rewards have limited flexibility
Annual fee
$99
Rewards rate
3x-26x Points
Intro offer
140,000 Points
Pros
- High rewards rate
- Automatic elite status
- Anniversary perks
- No foreign transaction fee
Cons
- Has annual fee
- Rewards have limited flexibility
You can earn up to 26 total points per dollar spent at IHG properties: 10 points through your card, 10 points as an IHG rewards member and 6 points with IHG Platinum Elite status. Beyond that, this card also offers an excellent 5 points per $1 spent on travel and gas.
- Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier Business cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
NerdWallet's editorial picks: Best hotel business credit cards
Marriott Bonvoy Business® American Express® Card
Our pick for: Overall hotel business card
NerdWallet rating:
4.9
The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic Free Night Award every year. Add in the included elite status, generous rewards, a dandy welcome offer and more, and it's hard to go wrong. Terms apply. Learn more and apply.World of Hyatt Business Credit Card
Our pick for: Elite status
NerdWallet rating:
4.9
Hyatt isn't as big as its competitors, but the
World of Hyatt Business Credit Card
is worth a look for business owners who spend a lot of time on the road. You can earn a lot of points on Hyatt spending, and those points have a high value compared with rival programs, plus you'll earn bonus points on your top three non-Hyatt spending categories each quarter. There's also a sign-up bonus, automatic elite status and more. Learn more and apply.IHG® One Rewards Premier Business Credit Card
Our pick for: Bonus category rewards
NerdWallet rating:
5
The
IHG One Rewards Premier Business Credit Card
is a must-have if you frequent hotels under the InterContinental Hotel Group umbrella (Holiday Inn, Crowne Plaza, Kimpton and Intercontinental, to name a few). This card has a killer welcome bonus, a free anniversary night, automatic elite status and a slew of other travel-friendly perks. Learn more and apply.The Hilton Honors American Express Business Card
Our pick for: Welcome bonus
NerdWallet rating:
4.8
The Hilton Honors American Express Business Card
is an outstanding small-business hotel credit card — if you frequent Hilton properties. The card features rich ongoing rewards, automatic elite status with Hilton and an annual statement credit for purchases at Hilton properties. But there's no free night award (a standard perk of hotel cards with annual fees) and AmEx scrapped the card's complimentary Priority Pass perk. Terms apply. Learn more and apply.Wyndham Rewards® Earner℠ Business Credit Card
Our pick for: Low-fee hotel business card
NerdWallet rating:
4
The
Wyndham Rewards® Earner℠ Business Credit Card
doesn't quite stack up versus our other picks in terms of welcome offer or ongoing rewards. However, it does charge a lower fee ($95
) than the other business hotel cards on this list and comes with automatic Wyndham Rewards Diamond status (which includes perks like suite upgrades and late checkout). Considering Wyndham's wide selection of hotels — more than 9,000 across its portfolio — this card still provides solid utility. Learn more. Hotel business cards vs. business travel cards
Hotel business cards offer some eye-popping rewards rates — as much as 10 to 12 points per dollar — with added points for holding elite status with the brand (another perk included with hotel cards). But the biggest rewards, and best value for redemption, are within that specific hotel brand’s network of properties.
A general business travel card, on the other hand, typically earns bonus points on all travel, as well as restaurants, gas and other business expenses. You won’t earn 10x points, but you will have the flexibility to redeem your points on any travel expense — flights, rental cars, hotels, etc. — and can often transfer points to airline and hotel partners.
Which should you choose? If you have the freedom to pick and choose which hotel you stay at on business travel, a branded hotel business card can pay off in a big way. But if you want or need more flexibility, a business travel card is often the best choice.
Alternatively, you can also carry both a hotel card and a travel card in your business wallet. Use your branded card for hotel stays and your general travel card for all other expenses to maximize your rewards and redemption options.
🤓 Nerdy Tip
Compare business hotel cards to personal hotel credit cards. You may find a lower annual fee or a higher sign-up bonus. Consumer cards will lack business features like free employee cards, though, and have bonus categories aligned with personal spending rather than business spending.To view rates and fees of the
Marriott Bonvoy Business® American Express® Card
, see this page.To view rates and fees of
The Hilton Honors American Express Business Card
, see this page.Last updated on November 8, 2024
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more how NerdWallet rates credit cards.
