MoneyGeek's Take

Best Business Credit Cards for Hotels in 2022

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.

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This article is part of our larger series on Best Travel Credit Cards

Advertising & Editorial Disclosure

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

This article is part of our larger series on
Best Travel Credit Cards

MoneyGeek's Take: Top 2 Business Credit Cards for Hotels

Quick Summary

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

    Terms, rates and fees apply

  • 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

    Terms, rates and fees apply

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Methodology

MoneyGeek experts look for new hotel business credit cards and check for changes in offers of existing cards from this segment every month. Then, they compare all such cards to select the top ones after accounting for factors such as annual fees, reward rates at hotels, welcome offers, foreign transaction fees, APRs and added benefits.

20%

Hotel Rewards

 
10%

Welcome Bonus Offer

 
-5%

Average Annual Fee

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 Card
    Best For
    Avg. Reward Rate
    Annual Fee
    Credit Needed
  • The Hilton Honors American Express Business Card
    This business credit card is perfect for earning Hilton Honors points
    3–12 Points per $1*
    $95
  • Marriott Bonvoy Business® American Express® Card
    Excellent card for maximizing the rewards you earn while traveling
    2–6 Points per $1*
    $125
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MONEYGEEK EXPERT TIP

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.

1

The Brand

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.

2

Annual fees

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.

3

Welcome offer

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.

4

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.

5

Rewards rate

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.

6

APR

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.

7

Added features/benefits

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.

Further Reading

About the Author


expert-profile

Rajiv Baniwal has been writing about different financial topics for over 15 years. Meticulous in his research, he makes sure he provides accurate and up-to-date information. His areas of expertise include mortgages, personal loans, credit cards, insurance and international money transfers.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.