The best hotel business credit cards will make your business travels easier by offering complimentary status upgrades or the ability to more quickly earn rewards for things like free or discounted bookings at a specific hotel chain. It could also offer perks, like late checkouts, early check-ins, and room upgrades, and protections you might occasionally need as a traveler, such as lost baggage insurance or trip delay insurance.
If you ever have to travel for business and are looking to get easier and more comfortable stays by way of things like room upgrades and less costly stays, here are the following hotel business credit cards I highly recommend considering:
Overview of the best hotel business credit cards
Hilton Honors American Express Business Card: Best for Hilton loyalists and everyday purchases
The Hilton Honors American Express Business Card
Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.
Maximizing rewards on Hilton-related purchases
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20.24% – 29.24% Variable
Excellent, Good
- Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- 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.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next 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.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
20.24% – 29.24% Variable
Excellent, Good
- Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- 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.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next 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.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Why I like it
If you frequently stay at Hilton hotels and want a card that earns rewards on your daily purchases, The Hilton Honors American Express Business Card is an excellent option. In addition to having a high earnings rate for purchases made directly with hotels and resorts in the Hilton portfolio, you can also earn 5x Hilton Honors bonus points on other eligible purchases on the first $100,000 in purchases per calendar year, after which you’ll earn 3x points. I personally like this because you won’t have to worry about keeping track of which card to use for specific purchase categories.
It will also allow you to enjoy complimentary Gold status with Hilton Honors. You’ll get an 80% bonus on base points you earn, as well as room upgrades based on availability at select properties. Complimentary National Car Rental® Emerald Club Executive® status also comes baked into this card, giving you access to more vehicle options, reduced fees, and priority service.
Ongoing rewards
- 12x Hilton Honors bonus points per dollar for purchases made directly with hotels and resorts in the Hilton portfolio
- 5x Hilton Honors bonus points on eligible purchases on the first $100,000 in purchases per calendar year, 3x points thereafter
- Earn 150,000 Hilton Honors bonus points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership
- Earn an extra 25,000 Hilton Honors bonus points after you spend an additional $2,000 in purchases on the Card in your first 6 months of Card Membership (offer expires 8/13/2025)
- $0 foreign transaction fees
- Baggage insurance plan
- Car rental loss and damage insurance
Marriott Bonvoy Business® American Express® Card: Best for Marriott hotels and select bonus category rewards
Marriott Bonvoy Business® American Express® Card
Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.
Owners who choose to stay at Marriott Bonvoy hotels
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20.24% – 29.24% Variable
Excellent, Good
- 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. Award 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.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- $0 foreign transaction fee
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren’t allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 90 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on United States manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
20.24% – 29.24% Variable
Excellent, Good
- 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. Award 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.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- $0 foreign transaction fee
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren’t allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 90 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on United States manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Why I like it
The Marriott Bonvoy Business® American Express® Card is a great choice for anyone who stays at a lot of Marriott hotels. It’s also great for those who want to earn additional bonus points on specific categories, as you have the potential to earn more rewards in comparison to other cards that may only offer a single rewards rate for purchases in general. These bonus categories include restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and U.S. purchases for shipping.
Other hotel-specific perks of being a cardmember include room rate discounts, free nights every year, and even complimentary Gold Elite status, allowing you additional benefits like late checkout and complimentary premium internet access at participating Marriott Bonvoy® hotels. That’s a lot of value packed into this card and is a big reason why it also landed on our list of the best business credit cards for travel.
Ongoing rewards
- 6x Marriott Bonvoy points per dollar on eligible purchases at hotels participating in Marriott Bonvoy®
- 4x Marriott Bonvoy points on purchases 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 Marriott Bonvoy points on other purchases made using the Marriott Bonvoy Business® American Express® Card
- Earn 3 Free Night Awards after you spend $6,000 on 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 at hotels participating in Marriott Bonvoy®. Resort fees & terms apply.
- $0 foreign transaction fees
- Receive a 7% discount on eligible bookings at hotels that participate in the Marriott Bonvoy® program when you book directly through an eligible Marriott channel under the Amex Business Card rate
- Receive 1 Free Night Award every year after your Card renewal month, and earn an additional Free Night Award after you spend $60,000 in purchases on your Card in a calendar year (redemption level at or under 35,000 Marriott Bonvoy® points)
- Complimentary Marriott Bonvoy® Gold Elite status
World of Hyatt Business Credit Card: Best for Hyatt hotels and flexible bonus category rewards
Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.
Those who primarily stay at Hyatt hotels
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intro_apr_rate,intro_apr_duration
reg_apr,reg_apr_type
credit_score_needed
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
- 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 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 through 12/31/24, then your top two 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
Pros
- Welcome offer
- Doesn’t charge foreign transaction fees
- Premium features and rewards
Cons
- Charges annual fee
- Doesn’t have 0% introductory APR
- Discoverist status: You and up to five employees can enjoy Discoverist status with World of Hyatt Business Credit Card. This includes 10% Bonus Points when choosing to earn points on eligible purchases in Hyatt, access to premium in-room internet, 2 p.m. late checkout upon request and when available, and earn 5 tier-qualifying night credits after spending $10,000 within a calendar year.
- Hyatt leverage membership: Hyatt leverage program offers an average savings of up to $350 a year due to discounts on standard rate rooms at all participating Hyatt hotels.
- 10% redemption bonus: Get 10% of your points back for the rest of the year after spending $50,000 every calendar year — up to 200,000 points can be redeemed.
- Faster way of improving status and rewards: Earn 5 tier-qualifying points after spending $10,000 every calendar year.
- Up to $100 in Hyatt statement credits: Spend $50 or more at any Hyatt property and earn $50 statement credits twice each anniversary year.
intro_apr_rate,intro_apr_duration
reg_apr,reg_apr_type
credit_score_needed
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
- 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 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 through 12/31/24, then your top two 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
Pros
- Welcome offer
- Doesn’t charge foreign transaction fees
- Premium features and rewards
Cons
- Charges annual fee
- Doesn’t have 0% introductory APR
- Discoverist status: You and up to five employees can enjoy Discoverist status with World of Hyatt Business Credit Card. This includes 10% Bonus Points when choosing to earn points on eligible purchases in Hyatt, access to premium in-room internet, 2 p.m. late checkout upon request and when available, and earn 5 tier-qualifying night credits after spending $10,000 within a calendar year.
- Hyatt leverage membership: Hyatt leverage program offers an average savings of up to $350 a year due to discounts on standard rate rooms at all participating Hyatt hotels.
- 10% redemption bonus: Get 10% of your points back for the rest of the year after spending $50,000 every calendar year — up to 200,000 points can be redeemed.
- Faster way of improving status and rewards: Earn 5 tier-qualifying points after spending $10,000 every calendar year.
- Up to $100 in Hyatt statement credits: Spend $50 or more at any Hyatt property and earn $50 statement credits twice each anniversary year.
Why I like it
If you stay at a lot of Hyatt hotels and also don’t like having to keep track of which card to use to maximize your rewards on purchases, the World of Hyatt Business Credit Card could be perfect for you. With it, you’ll earn additional bonus points in your top three eligible spend categories each quarter, which include dining, shipping, airline tickets purchased directly with the airline, gas stations, car rental agencies, and more. You’ll also earn additional bonus points for every $1 spent at Hyatt hotels, helping you more quickly earn points to redeem for hotel stays.
Other benefits of this card allow you to get discounts on standard room rates, redemption bonuses, and statement credits. You’ll also get coverage for travel-related issues such as auto rental coverage, travel and emergency assistance, trip cancellation and interruption insurance, extended warranty protection, and purchase protection on items you buy with your card.
Ongoing rewards
- Up to 9 total points per $1 spent at Hyatt hotels (4 bonus points per $1 spent on qualifying purchases at Hyatt hotels, plus up to 5 base points from Hyatt per eligible $1 spent for being a World of Hyatt member)
- Earn 2 bonus points per $1 spent in your top 3 spend categories each quarter (eligible categories include dining, shipping, airline ticket when purchased directly with the airline, local transit & commuting, social media & search engine advertising, car rental agencies, gas station, and internet, cable, & phone services)
- 2 bonus points per $1 spent on fitness club and gym memberships
- 1 bonus point per $1 spent on all other purchases
- Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months of account opening
- Earn up to $100 in Hyatt statement credits (spend $50 or more at any Hyatt property and earn $50 statement credits up to 2 times each anniversary year)
- 10% redemption bonus (spend $50,000 in a calendar year and get 10% of your redeemed points back for the rest of the year, on up to 200,000 points redeemed)
- $0 foreign transaction fee
- Auto rental coverage
- Travel and emergency assistance
- Trip cancellation and interruption insurance
- Purchase protection & extended warranty protection
IHG One Rewards Premier Business Credit Card: Best for IHG hotels and high spenders
Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.
Those who frequently stay at IHG® Hotels & Resorts
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intro_apr_rate,intro_apr_duration
reg_apr,reg_apr_type
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- Earn up to 200,000 Bonus Points: Get 140,000 points after spending $4,000 in the first 3 months, and an additional 60,000 points after reaching $9,000 in total spending within the first 6 months from account opening.
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive 4-night IHG® hotel stay.
- Earn up to 26× total points: Stay at IHG® Hotels & Resorts and get 10× points with the IHG One Rewards Premier Business Credit Card, up to 10×points from IHG® for being an IHG® Rewards member and up to 6× points from IHG® with Platinum Elite Status, which you get as a cardmember automatically
- 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
- $120 Global Entry, TSA PreCheck® or NEXUS Statement Credit 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
Pros
- Offers premium rewards
- With lucrative welcome offer and anniversary bonuses
- Charges $0 foreign transaction fees
Cons
- Has no 0% introductory APR
- Charges an annual fee
- Purchase protection: Ensures coverage for your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Trip cancellation/trip interruption insurance: Receive reimbursement of up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable travel expenses, including passenger fares, tours, and hotels, in the event your trip is canceled or cut short because of sickness, severe weather, and other covered situations.
- Fraud protection: Offers Zero Liability Protection, which ensures that you won’t be held responsible for unauthorized transactions.
intro_apr_rate,intro_apr_duration
reg_apr,reg_apr_type
credit_score_needed
- Earn up to 200,000 Bonus Points: Get 140,000 points after spending $4,000 in the first 3 months, and an additional 60,000 points after reaching $9,000 in total spending within the first 6 months from account opening.
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive 4-night IHG® hotel stay.
- Earn up to 26× total points: Stay at IHG® Hotels & Resorts and get 10× points with the IHG One Rewards Premier Business Credit Card, up to 10×points from IHG® for being an IHG® Rewards member and up to 6× points from IHG® with Platinum Elite Status, which you get as a cardmember automatically
- 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
- $120 Global Entry, TSA PreCheck® or NEXUS Statement Credit 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
Pros
- Offers premium rewards
- With lucrative welcome offer and anniversary bonuses
- Charges $0 foreign transaction fees
Cons
- Has no 0% introductory APR
- Charges an annual fee
- Purchase protection: Ensures coverage for your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Trip cancellation/trip interruption insurance: Receive reimbursement of up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable travel expenses, including passenger fares, tours, and hotels, in the event your trip is canceled or cut short because of sickness, severe weather, and other covered situations.
- Fraud protection: Offers Zero Liability Protection, which ensures that you won’t be held responsible for unauthorized transactions.
Why I like it
If you frequently stay at IHG hotels and are a high spender, you can save a significant amount of money with the IHG One Rewards Premier Business Credit Card. That’s because when you spend $20,000 in a calendar year, you’ll earn a $100 statement credit plus 10,000 bonus points. You can also earn as high as 26x total points at IHG® hotels and resorts, get a free anniversary night, and get a 4th night free when you redeem 3 nights. All that to say — you can get a lot of value from your spending.
As an IHG One Rewards credit card member, you’ll also be automatically upgraded to IHG One Rewards Platinum Elite status. This comes with extra perks such as 20% savings on reward points purchases, 72-hour guaranteed room availability, complimentary room upgrades, and a welcome amenity at check-in.
Ongoing rewards
- Up to 26x total points at IHG® hotels and resorts
- 5x points per dollar on travel, dining, select business purchases, and at gas stations
- 3x points per $1 spent on all other purchases
- Earn 140,000 bonus points after spending $4,000 in the first 3 months from account opening
- Anniversary free night earned each account anniversary year with a current point redemption cap of 40,000 points
- Redeem 3 nights, get 4th night free when you redeem points for a consecutive 4-night IHG® hotel stay
- Purchase protection
- Trip cancellation and interruption insurance
- $0 foreign transaction fees
Wyndham Rewards Earner® Business Card: Best for Wyndham hotels and low annual fee
Wyndham Rewards Earner® Business Card
Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.
Those who frequently stay at Wyndham hotels
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0% APR for six billing cycles on all Wyndham Timeshare purchases
20.74% to 29.74% variable
Good to Excellent
- Earn 75,000 bonus points after spending $3,000 on purchases in the first 90 days
- 8 points per dollar on eligible purchases made at Hotels by Wyndham and qualifying gas stations
- 5 points per dollar on eligible marketing, advertising, and utility purchases
- 15,000 annual bonus points each anniversary year
Pros
- Offers 0% introductory APR on qualifying Wyndham Timeshare Purchase
- With premium rewards and anniversary bonus
- Generous welcome offer
Cons
- Introductory APR does not apply to regular purchases and balance transfers
- Charges an annual fee
- Automatic Diamond level: Receive an automatic Wyndham Rewards Diamond level status with your Wyndham Rewards program membership, allowing you to enjoy perks like suite upgrades, welcome amenities at check-in, late checkout, and free Wi-Fi.
- go free® Faster: Use 10% less Wyndham Rewards points when you redeem for go free® awards.
- Cardmember booking discounts: Take advantage of exclusive cardmember discounts for stays at participating Hotels by Wyndham. For more information, visit www.WyndhamRewards.com/terms/cardmemberrate.
- Cellphone protection: This is supplemental coverage for damage to or theft of your cellphone. To be eligible, you must charge your monthly cellphone bill to this card. Note that restrictions, limitations, and exclusions will apply.
0% APR for six billing cycles on all Wyndham Timeshare purchases
20.74% to 29.74% variable
Good to Excellent
- Earn 75,000 bonus points after spending $3,000 on purchases in the first 90 days
- 8 points per dollar on eligible purchases made at Hotels by Wyndham and qualifying gas stations
- 5 points per dollar on eligible marketing, advertising, and utility purchases
- 15,000 annual bonus points each anniversary year
Pros
- Offers 0% introductory APR on qualifying Wyndham Timeshare Purchase
- With premium rewards and anniversary bonus
- Generous welcome offer
Cons
- Introductory APR does not apply to regular purchases and balance transfers
- Charges an annual fee
- Automatic Diamond level: Receive an automatic Wyndham Rewards Diamond level status with your Wyndham Rewards program membership, allowing you to enjoy perks like suite upgrades, welcome amenities at check-in, late checkout, and free Wi-Fi.
- go free® Faster: Use 10% less Wyndham Rewards points when you redeem for go free® awards.
- Cardmember booking discounts: Take advantage of exclusive cardmember discounts for stays at participating Hotels by Wyndham. For more information, visit www.WyndhamRewards.com/terms/cardmemberrate.
- Cellphone protection: This is supplemental coverage for damage to or theft of your cellphone. To be eligible, you must charge your monthly cellphone bill to this card. Note that restrictions, limitations, and exclusions will apply.
Why I like it
The Wyndham Rewards Earner® Business Card has the lowest annual fee in this guide, making it perfect if you’re unsure of whether you’ll travel enough to make the fee worthwhile. Despite the low annual fee, however, this card has a slew of benefits that can still be valuable for those who frequent Wyndham hotels, including an annual points bonus enough for two free nights at participating properties, suite upgrades, welcome amenities at check-in, and a welcome offer that can be worth up to 10 free nights.
Ongoing rewards
- Earn 8 points per $1 spent on eligible purchases made at Hotels by Wyndham, as well as on qualifying gas purchases
- Earn 5 points per $1 spent on eligible marketing, advertising, and utility purchases
- Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments)
- Earn 50,000 bonus points after spending $4,000 on purchases and paying the annual fee in full, both within the first 90 days
- Earn 25,000 bonus points after spending $12,000 on purchases within the first 365 days
- Annual bonus of 15,000 bonus points each anniversary year
- Automatic DIAMOND level benefits like suite upgrades, welcome amenity at check in, and more
- $0 foreign transaction fees
- Extended warranty protection
How I chose the best hotel business credit cards
When I made my picks for the best hotel business credit cards, I considered aspects that would have the biggest impact on a business owner’s overall experience. This included the cost of the card, the value of the benefits provided, and the type of perks offered.
- Annual fee
- Value of welcome offer and required minimum spending to be eligible
- Elite status, value, and types of perks offered (such as room upgrades, late check-out, etc.)
- Ability to earn rewards on purchases
- Consumer protections (such as extended warranty and trip delay insurance)
- Customer reviews, ratings, and reputation of the card issuer
How you can choose the best hotel business credit card
Choosing the best card will ensure that you get the most bang for your buck, so to speak. The right card will allow you to earn the most amount of rewards based on your spending habits and more easily and comfortably take advantage of everything your hotel has to offer.
Choose the right hotel brand
Think about what chain of hotels you typically book when you travel, and make sure that the card you get will earn rewards you can use at those properties. This is especially important, as many hotel business credit cards do not have flexible rewards that can be used at multiple hotel brands.
Consider the value of the card’s benefits
Many hotel business credit cards have some sort of annual fee, which can range from around $95 to as much as $500+. To make sure you get enough value to at least break even, consider what benefits the card offers, as well as which ones you’ll actually make use of.
Common benefits include:
- Annual free nights or bonus points
- Welcome offer for new cardmembers
- Rewards for purchases made with the card
- Elite status with hotels or car rental agencies
- Statement credits for purchases made at any of the hotel properties
Understand the fee structure of the card
In addition to understanding how much value you can get from the card, you’ll want to consider how much the card’s fees might take away from your earnings. At the very least, you’ll want to make sure the fees don’t leave you at a net negative after you’ve taken into consideration the benefits you’ll get from the card.
Common fees you should evaluate include:
- Annual fees
- Foreign transaction fees
- Late fees and interest rates
Frequently asked questions (FAQs)
Not particularly. If you have fair credit (a credit score of 660 or above), it’s possible to even get a hotel business credit card based solely on your personal credit history, or with very little time in business. However, this can vary depending on the credit card issuer, as well as other aspects of your credit and financial history.
Points are generally worth between 0.5 cents and 3 cents per point. However, this depends on the hotel chain and how and when you decide to redeem points. The best way to get a rough idea of how much they’re worth is to search for bookings on the hotel’s website and see how much it would cost in points versus dollars.
Hotel business credit cards commonly offer perks to make your stay more enjoyable. Common examples include early check-in, late checkout, check-in gifts, room upgrades, annual free nights, and discounted room rates. If you have other travel expenses, you can also combine them with one of the best small business credit cards to maximize your rewards-earning ability.
Bottom line
If you travel and stay at hotels frequently, a hotel business credit card can make your stays more enjoyable thanks to perks such as early check-in, late check-out, and room upgrades. You can also save money by earning points on your purchases, which you can then use to book hotel stays for free. Before applying for a hotel business credit card, just make sure that it aligns with your spending and travel habits, and that you’ll get a net positive value out of the card after any fees are taken into account.