Banking and Finance

Best Co-branded Hotel Credit Cards You Need to Know

剑圣
May 29, 2020

If a road warrior loyal to a particular hotel chain, a co-branded hotel credit card can be a no-brainer. Unlike airline credit cards that often don’t offer strong enough perks to justify paying an ongoing annual fee, most hotel cards offer extremely valuable benefit packages with perks like anniversary free night certificates, complimentary elite status, bonus points and potentially even on-property credits. Now, let’s take a look at the following best co-branded hotel credit cards.

Amex Hilton Aspire

Amex Hilton Aspire


How to Apply:

Amex Hilton Aspire Credit Card 


New Card Member Offer:

150,000 points after you spend $4,000 on purchases in the first three months (terms apply)


Featured Benefits:

  1. Earn 14x Hilton Honor Bonus Points when you make eligible purchases on your card at Hilton hotels or resorts.
  2. Earn 7x Hilton Honor Bonus Points on eligible purchases on your card for: Flights booked directly with airlines or amextravel.com; Car rentals booked directly from select car rental companies; U.S. restaurants.
  3. Earn 3x Hilton Honor Bonus Points on all other eligible purchases.
  4. Complimentary Hilton Honor Diamond Status
  5. Enjoy one weekend night reward with your new Hilton Honors American Express Aspire Card and every year after renewal.
  6. $250 Hilton Resort Statement Credit
  7. Priority Pass Select Membership
  8. No Foreign Transaction Fee


Annual Fee:

$450


To Sum Up:

While the AmEx Hilton Aspire card is a hotel card first and foremost, its benefits put it on par with several general travel rewards cards. For that reason, this card option could be a good one for any traveler – but especially for someone who travels anywhere but loves staying at Hilton resorts.


The fact that you get a $250 airline credit and $250 Hilton resort credit each year makes this card an ideal option if you can easily plan a vacation in a Hilton property each year. Better yet, it’s important to note that the resort credit can cover any expense charged to your room – and that includes your hotel’s nightly rate itself.


With that being said, the AmEx Hilton Aspire card is absolutely good for travelers who often stay at Hilton hotels. 


AmEx Hilton Surpass

AmEx Hilton Surpass


How to Apply:

The Hilton Honors American Express Surpass Card


New Card Member Offer:

150,000 points after you spend $3,000 on purchases in the first three months (terms apply)


Featured

Benefits:

  1. Earn 12x Hilton Honor Bonus Points when you make eligible purchases on your card at Hilton hotels or resorts.
  2. Earn 6x Hilton Honor Bonus Points on eligible purchases on your card for: Flights booked directly with airlines or amextravel.com; Car rentals booked directly from select car rental companies; U.S. restaurants.
  3. Earn 3x Hilton Honor Bonus Points on all other eligible purchases.
  4. Complimentary Hilton Honor Gold Status
  5. Earn a Free Weekend Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
  6. No Foreign Transaction Fees
  7. Priority Pass Select - 10 Free Visits


Annual Fee:

$95


To Sum Up:

This $95-annual-fee card comes with strong ongoing rewards, a robust welcome offer, incentives for big spenders, automatic elite status and 10 free visits to airport lounges in the Priority Pass Select network every year. For Hilton enthusiasts who can take advantage of these perks, it could be a worthwhile card.


Chase Marriott Bonvoy

Chase Marriott Bonvoy


How to Apply:

Chase Marriott Bonvoy 


New Card Member Offer:

100,000 Bonus Points after you spend $5,000 on purchases in the first three months (terms apply)


Featured Benefits:

  1. Earn 6X points for every $1 spent at over 7,000 participating Marriott Bonvoy™ hotels.
  2. Earn 2X points for every $1 you spend on all other purchases and your points don't expire as long as you make purchases on your credit card every 24 months.
  3. Free Night Award every anniversary
  4. No Foreign Transaction Fees


Annual Fee:

$95


To Sum Up:

The Marriott Bonvoy Boundless™ Credit Card from Chase features a big sign-up bonus and other opportunities to earn points. But you might end up getting the most value out of the free night award you get each account anniversary year with this card. This benefit alone could end up balancing out the $95 annual fee. Plus, you’ll also qualify for the Bonvoy rewards program’s Silver Elite status, which comes with priority late checkouts.


Chase World of Hyatt

Chase World of Hyatt


How to Apply:

Chase World of Hyatt Credit Card


New Card Member Offer:

Earn 25,000 Bonus Points after $3,000 in purchases within 3 months of account opening. Plus, earn an additional 25,000 Bonus Points after $6,000 total in purchases within 6 months of account opening.


Featured Benefits:

  1. 4 Bonus Points per $1 spent on purchases at all Hyatt hotels.
  2. 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships.
  3. 1 free night every year
  4. Earn an extra free night at any Category 1–4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year.
  5. No Foreign Transaction Fees


Annual Fee:

$95


To Sum Up:

The World of Hyatt Chase Credit Card is one of the best hotel credit cards. With it you earn four points per dollar on all Hyatt spending and you’ll get a Category 1-4 free-night award each year you keep the card. Part of what makes the card so valuable is the World of Hyatt program itself. Hyatt points are the most valuable hotel points, according to TPG’s valuations. Free nights start at only 5,000 points. In addition, Hyatt has all inclusive resorts, so it will be good to spend your points at their resorts.


Chase IHG Premier

Chase IHG Premier


How to Apply:

Chase IHG Premier 

 

New Card Member Offer:

140,000 IHG Bonus Points after you spend $3,000 on purchases in the first three months (terms apply)

 

Featured Benefits:

  1. Earn 25X total points at IHG Hotels and Resorts worldwide when you combine your IHG card benefits with existing IHG Rewards Club member benefits.
  2. Earn 2X points per $1 spent on purchases at gas stations, grocery stores and restaurants
  3. Earn 1 point per $1 spent on all other purchases
  4. Complementary IHG Platinum Status
  5. No Foreign Transaction Fee


Annual Fee:

$89


To Sum Up:

The IHG Rewards Club Premier Credit Card offers an all-time high 140,000-point sign-up bonus and beneficial perks for any frequent IHG traveler, but it may not be worth a Chase 5/24 slot unless you’re staying at IHG hotels consistently throughout the year.  


AmEx Marriott Bonvoy Brillant

AmEx Marriott Bonvoy Brillant


How to Apply:

AmEx Marriott Bonvoy Brillant Credit Card


New Card Member Offer:

75,000 Bonus Points after you spend $5,000 on purchases in the first three months (terms apply)


Featured Benefit:

  1. Earn 6 Marriott Bonvoy Points for each dollar of eligible purchases at participating Marriott Bonvoy hotels
  2. Earn 3 Marriott Bonvoy Points at U.S. restaurants and on flights booked directly with airlines.‡
  3. Earn 2 Marriott Bonvoy Points on all other eligible purchases.
  4. Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.
  5. Receive 1 Free Night Award every year after your Card account anniversary.
  6. Complimentary Marriott Gold Status
  7. Priority Pass Select Membership
  8. No Foreign Transaction Fees 


Annual Fee:

$450


To Sum Up:

If you’re a Marriott loyalist in need of a co-branded credit card or are looking to change from a different Marriott card, then the Marriott Bonvoy Brilliant is an ideal choice. Its earning rates are not as lucrative as those of some of its competitors, but the large welcome bonus coupled with impressive built-in perks — like an up to $300 annual Marriott property credit and up to 50,000-point free night certificate — make it easy for even an infrequent traveler to get tremendous value out of the card. Although you’ll never have trouble finding a hotel at which to redeem points, the program’s many airline transfer partners also make it a great choice for those looking to rack up points to redeem for free flights.


AmEx Platinum Card

AmEx Platinum Card


How to Apply:

Platinum Card from American Express

 

New Card Member Offer:

75,000 Membership Rewards after you spend $5,000 on purchases in the first three months (terms apply)



Featured Benefit:

  1. Earn 5x points on flights booked directly with airlines or with amextravel.com
  2. Earn 5x points on prepaid hotels (hotel booked and paid in advance) booked on amextravel.com
  3. Complimentary Hilton Honor Gold Status
  4. Complimentary Marriott Bonvoy Gold Status
  5. Platinum Travel Service
  6. Platinum Card Concierge Service
  7. Priority Pass Select Membership
  8. $200 Airline Credit
  9. $200 Uber Credit
  10. $100 Saks Credit
  11. No Foreign Transaction Fees 


To Sum Up:

If you can get value from the up to $200 airline fee credit, up to $200 Uber credits and up to $100 Saks Fifth avenue credit — and travel enough to take advantage of the hotel statuses and lounge benefits, or shop enough to get solid value out of the purchase protections — the Platinum Card from American Express is hard to beat.



Among various choices of credit cards, you can select any co-branded hotel cards that you are in favor of. If there is no special tendency, I strongly recommend the American Express Hilton Aspire Credit Card as it automatically gives you the Hilton Honor Diamond Status, which is the highest VIP level of Hilton Honor Program. Other co-branded hotel credit cards are just drewer cards and the annual fees are qualified for one night’s accommodation. 


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