Purchase optimizer
Find the best card for a purchase
Browse catalog rules for a category. Program currencies and eligibility differ, so these are not ranked by dollar value. Matching wallet cards are highlighted in your browser.
Cards with listed category rules
Why these cards appear
33 published cards match Hotels, the personal and business card filter, and the selected annual-fee limit.
- Results are alphabetical—not a dollar-value ranking.
- The $500 monthly-spend estimate is context only because different reward currencies cannot be compared safely without a value assumption.
- Cards without a reviewed matching rule are omitted, not treated as earning zero.
Listed rates may require a particular hotel brand, booking portal, merchant or enrollment. A larger number is not necessarily a better return. Legacy reward currencies still need review; no automatic dollar ranking is shown.
Calculate value using your reward currency and assumptions →
American Express
American Express Gold Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $325
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Bilt
Bilt Obsidian Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $95
Issuer portal required.
Earns 4 points per dollar on hotels booked through Bilt Travel.
BMO
BMO Escape Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $3,000 per quarterly.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
BMO
BMO Premium Rewards Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $2,000 per quarterly.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
Chase Sapphire Reserve
4.00 listed rate · reward currency requires confirmation
Annual fee: $795
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Wells Fargo
Choice Privileges Mastercard
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate; program currency, redemption restrictions, merchant coding, exclusions, and caps can affect realized value.
Wells Fargo
Choice Privileges Select Mastercard
10.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate; program currency, redemption restrictions, merchant coding, exclusions, and caps can affect realized value.
Citi
Citi Strata Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Issuer portal required.
Citi Travel and selectable-category terms apply. Merchant coding, account eligibility and issuer terms apply.
Citi
Citi Strata Premier Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
American Express
Delta SkyMiles Platinum American Express Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $350
Purchase channel and brand restrictions: confirm with issuer.
Eligible purchases directly with hotels.
American Express
Delta SkyMiles Platinum Business American Express Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $350
Purchase channel and brand restrictions: confirm with issuer.
Eligible purchases directly with hotels.
Barclays
Emirates Skywards Premium World Elite Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $499
Purchase channel and brand restrictions: confirm with issuer.
Emirates purchases earn the highest rate; eligible airfare, hotel and rental-car purchases earn 2X. Merchant coding, account eligibility and issuer terms apply.
Barclays
Emirates Skywards Rewards World Elite Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Emirates purchases earn the highest rate; eligible airfare, hotel and rental-car purchases earn 2X. Merchant coding, account eligibility and issuer terms apply.
Chase
IHG One Rewards Premier Business Credit Card
10.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
IHG One Rewards Premier Credit Card
10.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Earns 10 points per $1 on qualifying IHG hotel purchases.
Chase
IHG One Rewards Traveler Credit Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
Marriott Bonvoy Bold Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
Marriott Bonvoy Boundless Credit Card
6.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Earns 6 points per $1 at participating Marriott Bonvoy hotels; hotel-program points are separate.
Chase
Marriott Bonvoy Bountiful Credit Card
6.00 listed rate · reward currency requires confirmation
Annual fee: $250
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
FNBO
MGM Rewards Iconic World Elite Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $249
Purchase channel and brand restrictions: confirm with issuer.
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
Bank of America
Royal Caribbean Royal ONE Plus Visa Infinite
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Eligible hotel purchases.
Chase
Sapphire Reserve for Business Credit Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $795
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
Southwest Rapid Rewards Performance Business Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $299
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
American Express
The Platinum Card from American Express
5.00 listed rate · reward currency requires confirmation
Annual fee: $895
Issuer portal required.
Earns 5 points per dollar on eligible prepaid hotels booked through American Express Travel.
Chase
United Club Business Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $695
Issuer portal required.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
United Club Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $695
Issuer portal required.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
United Explorer Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
United Quest Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $350
Issuer portal required.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Wells Fargo
Wells Fargo Autograph Journey Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Earns 5 points per $1 on eligible hotel purchases.
Chase
World of Hyatt Business Credit Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $199
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
World of Hyatt Credit Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Earns 4 bonus points per $1 on qualifying Hyatt purchases; Hyatt member base points are separate.
Barclays
Wyndham Rewards Earner Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible Wyndham purchases earn the hotel rate. Merchant coding, account eligibility and issuer terms apply.
Barclays
Wyndham Rewards Earner Plus Card
10.00 listed rate · reward currency requires confirmation
Annual fee: $75
Purchase channel and brand restrictions: confirm with issuer.
Eligible Wyndham purchases earn the hotel rate. Merchant coding, account eligibility and issuer terms apply.
Estimates are subject to issuer terms, spending caps, enrollment requirements and merchant coding.