Businesses that frequently use one group of hotels might benefit by getting hotel business credit cards offered by that brand. These cards offer higher rewards rates when you spend at properties within the group and come with other hotel-specific benefits.
Best Business Credit Cards for Hotels in 2023
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It's common for the best business credit cards for hotels to offer higher-than-usual reward rates on bonus categories. These cards also tend to come with welcome offers that give you the ability to earn a substantial number of bonus points.
Depending on the card you get, you might qualify to get complimentary free night awards by meeting some spend-based requirements. This is the case with the Hilton Honors American Express Business Card and the Marriott Bonvoy Business® American Express® Card.
The top hotel business credit cards we’ve selected do not charge foreign transaction fees. The other aspects that need your consideration when making a selection include annual fees, APRs and added benefits.
>>MORE: CREDIT CARD ISSUER REWARDS PROGRAMS COMPARISON
MoneyGeek's Take: Top 2 Business Credit Cards for Hotels
Just how many reward points you earn per dollar varies based on the hotel business credit card you get. This also holds true for the bonus points you may earn through a card’s welcome offer. We have accounted for these factors as well as annual fees, APRs, foreign transaction fees and added benefits to select the top two cards from this segment.
- The Hilton Honors American Express Business Card
This business credit card is perfect for earning Hilton Honors points
- Good–ExcellentRecommended Credit
- $95Annual Fee
- 3–12 Points per $1*Rewards Rate
- 12xRewards Rate at Hotels
- 6xRewards Rate on Gas
- Marriott Bonvoy Business® American Express® Card
Excellent card for maximizing the rewards you earn while traveling
- Good–ExcellentRecommended Credit
- $125Annual Fee
- 2–6 Points per $1*Rewards Rate
- 6xRewards Rate at Hotels
- 4xRewards Rate on TV, Phone, Internet Services
Summary of the Best Business Cards for Hotels
Check this hotel business card comparison table to determine how the top cards match up based on parameters such as annual fees, rewards rates, welcome offers and foreign transaction fees.
- Credit CardBest ForAvg. Reward RateAnnual FeeCredit Needed
- This business credit card is perfect for earning Hilton Honors points3–12 Points per $1*$95
- Excellent card for maximizing the rewards you earn while traveling2–6 Points per $1*$125
With a hotel credit card for your business, your spending can help you earn elite status and free nights at your favorite hotels. Adding employee cards can accelerate your progress towards these goals. -- Lee Huffman, credit card expert at BaldThoughts.com.
How to Compare Business Credit Cards & Intro Offers
Given that the best business credit cards for hotels come with different features and benefits, it’s important that you compare your options based on your specific requirements.
Check whether the group of hotels you favor offers a co-branded business credit card. For example, businesses that frequently stay at properties within the Hilton portfolio might benefit by getting the Hilton Honors American Express Business Card, while businesses that tend to frequent Hyatt hotels may want to consider the World of Hyatt Credit Card Business Credit Card.
While the top hotel business credit cards offer a variety of benefits, they tend to come with annual fees. For instance, the Marriott Bonvoy Business® American Express® Card comes with a $125 annual fee, and you need to pay an annual fee of $95 if you get the Amex Hilton Honors Business Card.
Cards from this category commonly offer spend-based welcome bonuses. For example, the welcome offer that comes with the Amex Marriott Bonvoy Business Card lets you earn 75,000 bonus Marriott Bonvoy points if you spend $3,000 on purchases in the first three months.
Foreign transaction fees
If you get a card with foreign transaction fees, expect to pay up to 3% extra each time you make an international purchase, including when buying from vendors outside the U.S. Alternatively, look for a hotel business credit card that does not charge this fee. Cards that fit this bill include the Amex Hilton Honors Business Card, the Amex Marriott Bonvoy Business Card and the World of Hyatt Credit Card Business Credit Card.
Reward rates with cards from this segment typically vary based on bonus categories. For example, the Marriott Bonvoy Business Cards offers 6x points per dollar on eligible purchases at properties that are part of the Marriott Bonvoy program; 4x points on eligible purchases at U.S. restaurants, at U.S. gas stations, on U.S. shipping providers, and on wireless phone services purchased directly from U.S. service providers; and 2x points on all other eligible purchases.
The APRs that come with hotel business credit cards are typically higher than those charged by business cards with no rewards. If you plan to maintain revolving balances in your account from one month to the next, you might be better off getting a card with a low ongoing APR.
Depending on the card you get, you may expect added perks such as purchase protection, extended warranty, complimentary status upgrades in hotel loyalty programs, award nights, premium internet access at properties within the portfolio, priority pass visits, employee cards and access to various expense management tools.
About Rajiv Baniwal
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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