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hotel elite status

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About
  • Blog
  • Contact
Product
  • Documentation
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  • Terms of Service
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Results from

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1

Capital One Venture X Rewards Credit Card

Capital One

10x Venture Miles on Hotels via Portal
10x × 1.9¢/pt = 9.3¢ per dollar

Why this card

  1. 1.10x on Hotels & Lodging — points worth 1.9¢ each ($555/yr on $6,000 spend)
  2. 2.$240/yr $300 Annual Capital One Travel Credit
  3. 3.Priority Pass Lounge Access
  4. 4.Capital One Lounge Access
  5. 5.Partner Lounge Network
VISA
Core Rate
9.3¢
per dollar on hotels
$395/yr
Annual rewards$555
\u2212 Annual fee$395
Net annual value$160
Citi Strata Premier Card
2

Citi Strata Premier Card

Citi

10x ThankYou Points on Hotels via Portal
10x × 1.5¢/pt = 7.5¢ per dollar

Why this card

  1. 1.10x on Hotels & Lodging — points worth 1.5¢ each ($450/yr on $6,000 spend)
  2. 2.$60/yr Annual Hotel Savings Benefit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.$10/yr ThankYou Points Transfer Partners
MASTERCARD
Core Rate
7.5¢
per dollar on hotels
$95/yr
Annual rewards$450
\u2212 Annual fee$95
Net annual value$355
No image
3

The Platinum Card from American Express

Amex

5x Membership Rewards on Hotels via Portal
5x × 1.8¢/pt = 4.5¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.8¢ each ($270/yr on $6,000 spend)
  2. 2.$300/yr Fine Hotels + Resorts / Hotel Collection Credit
  3. 3.$120/yr Uber Credit
  4. 4.$100/yr Airline Fee Credit
  5. 5.Centurion Lounge Access
AMEX
Core Rate
4.5¢
per dollar on hotels
$895/yr($697.50 in credits)
Annual rewards$270
+ Credits$697.50
\u2212 Annual fee$895
Net annual value$72.50
Capital One Venture Rewards Credit Card
4

Capital One Venture Rewards Credit Card

Capital One

5x Venture Miles on Hotels via Portal
5x × 1.9¢/pt = 4.6¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.9¢ each ($277.50/yr on $6,000 spend)
  2. 2.$150/yr $250 Capital One Travel Credit (First Year)
  3. 3.$72/yr Global Entry or TSA PreCheck Credit
  4. 4.$20/yr Lyft Credits
  5. 5.Hertz Five Star Status
MASTERCARD
Core Rate
4.6¢
per dollar on hotels
$95/yr
Annual rewards$277.50
\u2212 Annual fee$95
Net annual value$182.50
Chase Sapphire Reserve
5

Chase Sapphire Reserve

Chase

4x Ultimate Rewards on Hotels via Direct
4x × 1.8¢/pt = 3.6¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 1.8¢ each ($216/yr on $6,000 spend)
  2. 2.$240/yr Annual Travel Credit
  3. 3.$125/yr Select Hotels Credit (2026)
  4. 4.$60/yr Lyft Monthly Credit
  5. 5.Priority Pass Select Membership
VISA
Core Rate
3.6¢
per dollar on hotels
$795/yr($668 in credits)
Annual rewards$216
+ Credits$668
\u2212 Annual fee$795
Net annual value$89
Wells Fargo Autograph Journey Visa Credit Card
6

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

5x Wells Fargo Rewards on Hotels via Direct
5x × 1.5¢/pt = 3.8¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.5¢ each ($225/yr on $6,000 spend)
  2. 2.$25/yr $50 annual statement credit
  3. 3.Travel and Emergency Services Assistance
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Visa Signature Rental Car Privileges
VISA
Core Rate
3.8¢
per dollar on hotels
$95/yr($7.20 in credits)
Annual rewards$225
+ Credits$7.20
\u2212 Annual fee$95
Net annual value$137.20
Capital One VentureOne Rewards Credit Card
7

Capital One VentureOne Rewards Credit Card

Capital One

5x Venture Miles on Hotels via Portal
5x × 1.9¢/pt = 4.6¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.9¢ each ($277.50/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
4.6¢
per dollar on hotels
No annual fee
Annual rewards$277.50
Net annual value$277.50
U.S. Bank Altitude Connect Visa Signature Card
8

U.S. Bank Altitude Connect Visa Signature Card

Usbank

4x Usbank Altitude Rewards on Hotels
4x × 1.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 1.0¢ each ($120/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$60/yr TSA PreCheck or Global Entry Credit
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Airport lounge access
VISA
Core Rate
2.0¢
per dollar on hotels
No annual fee($7.20 in credits)
Annual rewards$120
+ Credits$7.20
Net annual value$127.20
Savor Rewards from Capital One
9

Savor Rewards from Capital One

Capital One

5% cash back on Hotels via Portal

Why this card

  1. 1.5% cash back on Hotels & Lodging ($150/yr on $6,000 spend)
  2. 2.$144/yr Complimentary Uber One Membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.Hertz Five Star Status

No annual fee

MASTERCARD
Core Rate
2.5¢
per dollar on hotels
No annual fee
Annual rewards$150
Net annual value$150
Chase Freedom Flex
10

Chase Freedom Flex

Chase

5x Ultimate Rewards on Hotels via Portal
5x × 1.8¢/pt = 2.7¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.8¢ each ($162.00/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits
  3. 3.World Elite Concierge Service
  4. 4.Mastercard Global Emergency Services

No annual fee

MASTERCARD
Core Rate
2.7¢
per dollar on hotels
No annual fee($30 in credits)
Annual rewards$162.00
+ Credits$30
Net annual value$192.00
Citi Custom Cash Card
11

Citi Custom Cash Card

Citi

5% cash back on Hotels

Why this card

  1. 1.5% cash back on Hotels & Lodging ($150/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Lyft Credits
  4. 4.$20/yr Lyft Credits
  5. 5.World Elite Concierge Service
MASTERCARD
Core Rate
2.5¢
per dollar on hotels
No annual fee
Annual rewards$150
Net annual value$150

Bonus rate on first $500/monthly, then base rate

American Express Green Card
12

American Express Green Card

Amex

3x Membership Rewards on Hotels
3x × 1.8¢/pt = 2.7¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.8¢ each ($162.00/yr on $6,000 spend)
  2. 2.$60/yr LoungeBuddy Credit
  3. 3.$105/yr CLEAR Plus Credit
AMEX
Core Rate
2.7¢
per dollar on hotels
$150/yr
Annual rewards$162.00
\u2212 Annual fee$150
Net annual value$12.00
Citi Strata Elite℠ Card
13

Citi Strata Elite℠ Card

Citi

1.5x ThankYou Points on Hotels
1.5x × 1.5¢/pt = 1.9¢ per dollar

Why this card

  1. 1.$150/yr Up to $300 Annual Hotel Benefit
  2. 2.Priority Pass™ Select membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.American Airlines Admirals Club® Lounge Access Passes

$597.50 in credits fully offsets the $595 fee

MASTERCARD
1.9¢
per dollar on hotels
$595/yr($597.50 in credits)
Annual rewards$114.75
+ Credits$597.50
\u2212 Annual fee$595
Net annual value$117.25
No image
14

Bilt Palladium Card

Cardless

2x Bilt Rewards on Hotels
2x × 2.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 2.0¢ each ($120/yr on $6,000 spend)
  2. 2.$200/yr $400 Bilt Travel Hotel credit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.MasterRental Coverage
MASTERCARD
Core Rate
2.0¢
per dollar on hotels
$495/yr($100 in credits)
Annual rewards$120
+ Credits$100
\u2212 Annual fee$495
Net annual value-$275
No image
15

PenFed Pathfinder Rewards Visa Signature Card

Penfed

4x Penfed Honors Advantage on Hotels
4x × 0.9¢/pt = 1.9¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 0.9¢ each ($111/yr on $6,000 spend)
  2. 2.Priority Pass Select Membership
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.$25/yr Global Entry or TSA PreCheck Credit
  5. 5.Visa Signature Rental Car Privileges
VISA
Core Rate
1.9¢
per dollar on hotels
$95/yr($50 in credits)
Annual rewards$111
+ Credits$50
\u2212 Annual fee$95
Net annual value$66
Quicksilver Secured Rewards
16

Quicksilver Secured Rewards

Capital One

5% cash back on Hotels

Why this card

  1. 1.5% cash back on Hotels & Lodging ($150/yr on $6,000 spend)
  2. 2.Emergency Card Replacement
  3. 3.Mastercard Global Emergency Services

No annual fee

MASTERCARD
Core Rate
2.5¢
per dollar on hotels
No annual fee
Annual rewards$150
Net annual value$150
Wells Fargo Autograph Visa Credit Card
17

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Hotels
3x × 1.5¢/pt = 2.3¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.5¢ each ($135/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.Concierge service, 24/7
  5. 5.Visa Signature Concierge Services
VISA
Core Rate
2.3¢
per dollar on hotels
No annual fee($7.20 in credits)
Annual rewards$135
+ Credits$7.20
Net annual value$142.20
No image
18

One Key+ Card

Wells Fargo

3x One Key on Hotels
3x × 1.0¢/pt = 1.5¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($90/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.World Elite Concierge Service
MASTERCARD
Core Rate
1.5¢
per dollar on hotels
No annual fee
Annual rewards$90
Net annual value$90
Chase Sapphire Preferred Card
19

Chase Sapphire Preferred Card

Chase

2x Ultimate Rewards on Hotels via Direct
2x × 1.8¢/pt = 1.8¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 1.8¢ each ($108/yr on $6,000 spend)
  2. 2.$25/yr $50 Annual Hotel Credit
  3. 3.Auto Rental Coverage
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Complimentary 4th night at Ennismore Hotel properties
VISA
Core Rate
1.8¢
per dollar on hotels
$95/yr($60 in credits)
Annual rewards$108
+ Credits$60
\u2212 Annual fee$95
Net annual value$73
Bank of America® Unlimited Cash Rewards for Students
20

Bank of America® Unlimited Cash Rewards for Students

Bank Of America

2% cash back on Hotels

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.Visa Signature Concierge
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
1.7¢
per dollar on hotels
No annual fee
Annual rewards$102
Net annual value$102
Citi Strata Credit Card
21

Citi Strata Credit Card

Citi

5x ThankYou Points on Hotels via Portal
5x × 1.5¢/pt = 2.3¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.5¢ each ($135/yr on $6,000 spend)
  2. 2.Airport Lounge Access
  3. 3.$50/yr $300 Annual Travel Credit
  4. 4.$50/yr Global Entry or TSA PreCheck Credit
  5. 5.Mastercard Global Emergency Services

No annual fee

MASTERCARD
Core Rate
2.3¢
per dollar on hotels
No annual fee
Annual rewards$135
Net annual value$135
IHG One Rewards Premier Credit Card
22

IHG One Rewards Premier Credit Card

Chase

5x Ihg One Rewards on Hotels
5x × 0.6¢/pt = 1.5¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 0.6¢ each ($90/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.Automatic Platinum Elite Status
  4. 4.$72/yr Global Entry, TSA PreCheck or NEXUS Statement Credit
  5. 5.$20/yr Lyft Credits
MASTERCARD
Core Rate
1.5¢
per dollar on hotels
$99/yr
Annual rewards$90
\u2212 Annual fee$99
Net annual value-$9
Bilt Obsidian Card
23

Bilt Obsidian Card

Cardless

2x Bilt Rewards on Hotels
2x × 2.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 2.0¢ each ($120/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits
  3. 3.MasterRental Coverage
  4. 4.World Elite Concierge Service

$40 in credits offset the $95 fee

MASTERCARD
Core Rate
2.0¢
per dollar on hotels
$95/yr($40 in credits)
Annual rewards$120
+ Credits$40
\u2212 Annual fee$95
Net annual value$65
Business Advantage Travel Rewards World Mastercard®
24

Business Advantage Travel Rewards World Mastercard®

Bank Of America

3x Bank Of America Points on Hotels
3x × 1.0¢/pt = 1.5¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($90/yr on $6,000 spend)
  2. 2.Free Employee Cards
  3. 3.$30/yr No Foreign Transaction Fees
  4. 4.QuickBooks Integration
  5. 5.Digital Wallet

No annual fee

MASTERCARD
Core Rate
1.5¢
per dollar on hotels
No annual fee
Annual rewards$90
Net annual value$90
Fidelity Rewards Visa Signature Card
25

Fidelity Rewards Visa Signature Card

Elan Financial

2% cash back on Hotels

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.Visa Signature Concierge
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
1.7¢
per dollar on hotels
No annual fee
Annual rewards$102
Net annual value$102
No image
26

TD Double Up Credit Card

Td Bank

2% cash back on Hotels

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.Visa Signature Concierge
  4. 4.$5/yr Booking.com Travel Credits

No annual fee

VISA
1.7¢
per dollar on hotels
No annual fee
Annual rewards$102
Net annual value$102
No image
27

Verizon Visa Card

Synchrony

2% cash back on Hotels

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.Visa Signature Concierge

No annual fee

VISA
1.7¢
per dollar on hotels
No annual fee($7.20 in credits)
Annual rewards$102
+ Credits$7.20
Net annual value$109.20
Quicksilver Rewards for Good Credit
28

Quicksilver Rewards for Good Credit

Capital One

5x points on Hotels

Why this card

  1. 1.5x on Hotels & Lodging ($150/yr on $6,000 spend)
  2. 2.Complimentary Concierge Service
  3. 3.Mastercard Global Emergency Services
  4. 4.Roadside Assistance

No annual fee

MASTERCARD
Core Rate
2.5¢
per dollar on hotels
No annual fee
Annual rewards$150
Net annual value$150
U.S. Bank Shield Visa Card
29

U.S. Bank Shield Visa Card

Usbank

4% cash back on Hotels via Portal

Why this card

  1. 1.4% cash back on Hotels & Lodging ($120/yr on $6,000 spend)
  2. 2.Visa Emergency Services

No annual fee

VISA
Core Rate
2.0¢
per dollar on hotels
No annual fee($10 in credits)
Annual rewards$120
+ Credits$10
Net annual value$130
No image
30

BMO Escape

Bmo

3x points on Hotels

Why this card

  1. 1.3x on Hotels & Lodging ($90/yr on $6,000 spend)
  2. 2.PriorityPass Airport Lounge Access
  3. 3.$25/yr Unwind with a $240 hotel credit
  4. 4.MasterRental Car Rental Coverage

$12.50 in credits offset the $150 fee

MASTERCARD
Core Rate
1.5¢
per dollar on hotels
$150/yr($12.50 in credits)
Annual rewards$90
+ Credits$12.50
\u2212 Annual fee$150
Net annual value-$47.50

Bonus rate on first $3,000/quarterly, then base rate

Results from

$6,000

Scoring mode

Options

Point valuation

Booking

Rewards

Programs

Networks

Refine results

Domestic or international travel?

No annual fee only?

Avoid Amex network?

Already have a premium card?

Resolved as:Hotels+1 more
Cached
70%
Not right? Try:
50 matches880ms
No image
1

Capital One Venture X Rewards Credit Card

Capital One

10x Venture Miles on Hotels via Portal
10x × 1.9¢/pt = 9.3¢ per dollar

Why this card

  1. 1.10x on Hotels & Lodging — points worth 1.9¢ each ($555/yr on $6,000 spend)
  2. 2.$240/yr $300 Annual Capital One Travel Credit
  3. 3.Priority Pass Lounge Access
  4. 4.Capital One Lounge Access
  5. 5.Partner Lounge Network
VISA
Core Rate
9.3¢
per dollar on hotels
$395/yr
Annual rewards$555
\u2212 Annual fee$395
Net annual value$160
Citi Strata Premier Card
2

Citi Strata Premier Card

Citi

10x ThankYou Points on Hotels via Portal
10x × 1.5¢/pt = 7.5¢ per dollar

Why this card

  1. 1.10x on Hotels & Lodging — points worth 1.5¢ each ($450/yr on $6,000 spend)
  2. 2.$60/yr Annual Hotel Savings Benefit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.$10/yr ThankYou Points Transfer Partners
MASTERCARD
Core Rate
7.5¢
per dollar on hotels
$95/yr
Annual rewards$450
\u2212 Annual fee$95
Net annual value$355
No image
3

The Platinum Card from American Express

Amex

5x Membership Rewards on Hotels via Portal
5x × 1.8¢/pt = 4.5¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.8¢ each ($270/yr on $6,000 spend)
  2. 2.$300/yr Fine Hotels + Resorts / Hotel Collection Credit
  3. 3.$120/yr Uber Credit
  4. 4.$100/yr Airline Fee Credit
  5. 5.Centurion Lounge Access
AMEX
Core Rate
4.5¢
per dollar on hotels
$895/yr($697.50 in credits)
Annual rewards$270
+ Credits$697.50
\u2212 Annual fee$895
Net annual value$72.50
Capital One Venture Rewards Credit Card
4

Capital One Venture Rewards Credit Card

Capital One

5x Venture Miles on Hotels via Portal
5x × 1.9¢/pt = 4.6¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.9¢ each ($277.50/yr on $6,000 spend)
  2. 2.$150/yr $250 Capital One Travel Credit (First Year)
  3. 3.$72/yr Global Entry or TSA PreCheck Credit
  4. 4.$20/yr Lyft Credits
  5. 5.Hertz Five Star Status
MASTERCARD
Core Rate
4.6¢
per dollar on hotels
$95/yr
Annual rewards$277.50
\u2212 Annual fee$95
Net annual value$182.50
Chase Sapphire Reserve
5

Chase Sapphire Reserve

Chase

4x Ultimate Rewards on Hotels via Direct
4x × 1.8¢/pt = 3.6¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 1.8¢ each ($216/yr on $6,000 spend)
  2. 2.$240/yr Annual Travel Credit
  3. 3.$125/yr Select Hotels Credit (2026)
  4. 4.$60/yr Lyft Monthly Credit
  5. 5.Priority Pass Select Membership
VISA
Core Rate
3.6¢
per dollar on hotels
$795/yr($668 in credits)
Annual rewards$216
+ Credits$668
\u2212 Annual fee$795
Net annual value$89
Wells Fargo Autograph Journey Visa Credit Card
6

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

5x Wells Fargo Rewards on Hotels via Direct
5x × 1.5¢/pt = 3.8¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.5¢ each ($225/yr on $6,000 spend)
  2. 2.$25/yr $50 annual statement credit
  3. 3.Travel and Emergency Services Assistance
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Visa Signature Rental Car Privileges
VISA
Core Rate
3.8¢
per dollar on hotels
$95/yr($7.20 in credits)
Annual rewards$225
+ Credits$7.20
\u2212 Annual fee$95
Net annual value$137.20
Capital One VentureOne Rewards Credit Card
7

Capital One VentureOne Rewards Credit Card

Capital One

5x Venture Miles on Hotels via Portal
5x × 1.9¢/pt = 4.6¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.9¢ each ($277.50/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
4.6¢
per dollar on hotels
No annual fee
Annual rewards$277.50
Net annual value$277.50
U.S. Bank Altitude Connect Visa Signature Card
8

U.S. Bank Altitude Connect Visa Signature Card

Usbank

4x Usbank Altitude Rewards on Hotels
4x × 1.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 1.0¢ each ($120/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$60/yr TSA PreCheck or Global Entry Credit
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Airport lounge access
VISA
Core Rate
2.0¢
per dollar on hotels
No annual fee($7.20 in credits)
Annual rewards$120
+ Credits$7.20
Net annual value$127.20
Savor Rewards from Capital One
9

Savor Rewards from Capital One

Capital One

5% cash back on Hotels via Portal

Why this card

  1. 1.5% cash back on Hotels & Lodging ($150/yr on $6,000 spend)
  2. 2.$144/yr Complimentary Uber One Membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.Hertz Five Star Status

No annual fee

MASTERCARD
Core Rate
2.5¢
per dollar on hotels
No annual fee
Annual rewards$150
Net annual value$150
Chase Freedom Flex
10

Chase Freedom Flex

Chase

5x Ultimate Rewards on Hotels via Portal
5x × 1.8¢/pt = 2.7¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.8¢ each ($162.00/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits
  3. 3.World Elite Concierge Service
  4. 4.Mastercard Global Emergency Services

No annual fee

MASTERCARD
Core Rate
2.7¢
per dollar on hotels
No annual fee($30 in credits)
Annual rewards$162.00
+ Credits$30
Net annual value$192.00
Citi Custom Cash Card
11

Citi Custom Cash Card

Citi

5% cash back on Hotels

Why this card

  1. 1.5% cash back on Hotels & Lodging ($150/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Lyft Credits
  4. 4.$20/yr Lyft Credits
  5. 5.World Elite Concierge Service
MASTERCARD
Core Rate
2.5¢
per dollar on hotels
No annual fee
Annual rewards$150
Net annual value$150

Bonus rate on first $500/monthly, then base rate

American Express Green Card
12

American Express Green Card

Amex

3x Membership Rewards on Hotels
3x × 1.8¢/pt = 2.7¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.8¢ each ($162.00/yr on $6,000 spend)
  2. 2.$60/yr LoungeBuddy Credit
  3. 3.$105/yr CLEAR Plus Credit
AMEX
Core Rate
2.7¢
per dollar on hotels
$150/yr
Annual rewards$162.00
\u2212 Annual fee$150
Net annual value$12.00
Citi Strata Elite℠ Card
13

Citi Strata Elite℠ Card

Citi

1.5x ThankYou Points on Hotels
1.5x × 1.5¢/pt = 1.9¢ per dollar

Why this card

  1. 1.$150/yr Up to $300 Annual Hotel Benefit
  2. 2.Priority Pass™ Select membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.American Airlines Admirals Club® Lounge Access Passes

$597.50 in credits fully offsets the $595 fee

MASTERCARD
1.9¢
per dollar on hotels
$595/yr($597.50 in credits)
Annual rewards$114.75
+ Credits$597.50
\u2212 Annual fee$595
Net annual value$117.25
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14

Bilt Palladium Card

Cardless

2x Bilt Rewards on Hotels
2x × 2.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 2.0¢ each ($120/yr on $6,000 spend)
  2. 2.$200/yr $400 Bilt Travel Hotel credit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.MasterRental Coverage
MASTERCARD
Core Rate
2.0¢
per dollar on hotels
$495/yr($100 in credits)
Annual rewards$120
+ Credits$100
\u2212 Annual fee$495
Net annual value-$275
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15

PenFed Pathfinder Rewards Visa Signature Card

Penfed

4x Penfed Honors Advantage on Hotels
4x × 0.9¢/pt = 1.9¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 0.9¢ each ($111/yr on $6,000 spend)
  2. 2.Priority Pass Select Membership
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.$25/yr Global Entry or TSA PreCheck Credit
  5. 5.Visa Signature Rental Car Privileges
VISA
Core Rate
1.9¢
per dollar on hotels
$95/yr($50 in credits)
Annual rewards$111
+ Credits$50
\u2212 Annual fee$95
Net annual value$66
Quicksilver Secured Rewards
16

Quicksilver Secured Rewards

Capital One

5% cash back on Hotels

Why this card

  1. 1.5% cash back on Hotels & Lodging ($150/yr on $6,000 spend)
  2. 2.Emergency Card Replacement
  3. 3.Mastercard Global Emergency Services

No annual fee

MASTERCARD
Core Rate
2.5¢
per dollar on hotels
No annual fee
Annual rewards$150
Net annual value$150
Wells Fargo Autograph Visa Credit Card
17

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Hotels
3x × 1.5¢/pt = 2.3¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.5¢ each ($135/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.Concierge service, 24/7
  5. 5.Visa Signature Concierge Services
VISA
Core Rate
2.3¢
per dollar on hotels
No annual fee($7.20 in credits)
Annual rewards$135
+ Credits$7.20
Net annual value$142.20
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18

One Key+ Card

Wells Fargo

3x One Key on Hotels
3x × 1.0¢/pt = 1.5¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($90/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.World Elite Concierge Service
MASTERCARD
Core Rate
1.5¢
per dollar on hotels
No annual fee
Annual rewards$90
Net annual value$90
Chase Sapphire Preferred Card
19

Chase Sapphire Preferred Card

Chase

2x Ultimate Rewards on Hotels via Direct
2x × 1.8¢/pt = 1.8¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 1.8¢ each ($108/yr on $6,000 spend)
  2. 2.$25/yr $50 Annual Hotel Credit
  3. 3.Auto Rental Coverage
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Complimentary 4th night at Ennismore Hotel properties
VISA
Core Rate
1.8¢
per dollar on hotels
$95/yr($60 in credits)
Annual rewards$108
+ Credits$60
\u2212 Annual fee$95
Net annual value$73
Bank of America® Unlimited Cash Rewards for Students
20

Bank of America® Unlimited Cash Rewards for Students

Bank Of America

2% cash back on Hotels

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.Visa Signature Concierge
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
1.7¢
per dollar on hotels
No annual fee
Annual rewards$102
Net annual value$102
Citi Strata Credit Card
21

Citi Strata Credit Card

Citi

5x ThankYou Points on Hotels via Portal
5x × 1.5¢/pt = 2.3¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.5¢ each ($135/yr on $6,000 spend)
  2. 2.Airport Lounge Access
  3. 3.$50/yr $300 Annual Travel Credit
  4. 4.$50/yr Global Entry or TSA PreCheck Credit
  5. 5.Mastercard Global Emergency Services

No annual fee

MASTERCARD
Core Rate
2.3¢
per dollar on hotels
No annual fee
Annual rewards$135
Net annual value$135
IHG One Rewards Premier Credit Card
22

IHG One Rewards Premier Credit Card

Chase

5x Ihg One Rewards on Hotels
5x × 0.6¢/pt = 1.5¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 0.6¢ each ($90/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.Automatic Platinum Elite Status
  4. 4.$72/yr Global Entry, TSA PreCheck or NEXUS Statement Credit
  5. 5.$20/yr Lyft Credits
MASTERCARD
Core Rate
1.5¢
per dollar on hotels
$99/yr
Annual rewards$90
\u2212 Annual fee$99
Net annual value-$9
Bilt Obsidian Card
23

Bilt Obsidian Card

Cardless

2x Bilt Rewards on Hotels
2x × 2.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 2.0¢ each ($120/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits
  3. 3.MasterRental Coverage
  4. 4.World Elite Concierge Service

$40 in credits offset the $95 fee

MASTERCARD
Core Rate
2.0¢
per dollar on hotels
$95/yr($40 in credits)
Annual rewards$120
+ Credits$40
\u2212 Annual fee$95
Net annual value$65
Business Advantage Travel Rewards World Mastercard®
24

Business Advantage Travel Rewards World Mastercard®

Bank Of America

3x Bank Of America Points on Hotels
3x × 1.0¢/pt = 1.5¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($90/yr on $6,000 spend)
  2. 2.Free Employee Cards
  3. 3.$30/yr No Foreign Transaction Fees
  4. 4.QuickBooks Integration
  5. 5.Digital Wallet

No annual fee

MASTERCARD
Core Rate
1.5¢
per dollar on hotels
No annual fee
Annual rewards$90
Net annual value$90
Fidelity Rewards Visa Signature Card
25

Fidelity Rewards Visa Signature Card

Elan Financial

2% cash back on Hotels

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.Visa Signature Concierge
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
1.7¢
per dollar on hotels
No annual fee
Annual rewards$102
Net annual value$102
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26

TD Double Up Credit Card

Td Bank

2% cash back on Hotels

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.Visa Signature Concierge
  4. 4.$5/yr Booking.com Travel Credits

No annual fee

VISA
1.7¢
per dollar on hotels
No annual fee
Annual rewards$102
Net annual value$102
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27

Verizon Visa Card

Synchrony

2% cash back on Hotels

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.Visa Signature Concierge

No annual fee

VISA
1.7¢
per dollar on hotels
No annual fee($7.20 in credits)
Annual rewards$102
+ Credits$7.20
Net annual value$109.20
Quicksilver Rewards for Good Credit
28

Quicksilver Rewards for Good Credit

Capital One

5x points on Hotels

Why this card

  1. 1.5x on Hotels & Lodging ($150/yr on $6,000 spend)
  2. 2.Complimentary Concierge Service
  3. 3.Mastercard Global Emergency Services
  4. 4.Roadside Assistance

No annual fee

MASTERCARD
Core Rate
2.5¢
per dollar on hotels
No annual fee
Annual rewards$150
Net annual value$150
U.S. Bank Shield Visa Card
29

U.S. Bank Shield Visa Card

Usbank

4% cash back on Hotels via Portal

Why this card

  1. 1.4% cash back on Hotels & Lodging ($120/yr on $6,000 spend)
  2. 2.Visa Emergency Services

No annual fee

VISA
Core Rate
2.0¢
per dollar on hotels
No annual fee($10 in credits)
Annual rewards$120
+ Credits$10
Net annual value$130
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30

BMO Escape

Bmo

3x points on Hotels

Why this card

  1. 1.3x on Hotels & Lodging ($90/yr on $6,000 spend)
  2. 2.PriorityPass Airport Lounge Access
  3. 3.$25/yr Unwind with a $240 hotel credit
  4. 4.MasterRental Car Rental Coverage

$12.50 in credits offset the $150 fee

MASTERCARD
Core Rate
1.5¢
per dollar on hotels
$150/yr($12.50 in credits)
Annual rewards$90
+ Credits$12.50
\u2212 Annual fee$150
Net annual value-$47.50

Bonus rate on first $3,000/quarterly, then base rate

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1

Capital One Venture X Rewards Credit Card

Capital One

10x Venture Miles on Hotels via Portal
10x × 1.9¢/pt = 9.3¢ per dollar

Why this card

  1. 1.10x on Hotels & Lodging — points worth 1.9¢ each ($555/yr on $6,000 spend)
  2. 2.$240/yr $300 Annual Capital One Travel Credit
  3. 3.Priority Pass Lounge Access
  4. 4.Capital One Lounge Access
  5. 5.Partner Lounge Network
VISA
Core Rate
9.3¢
per dollar on hotels
$395/yr
Annual rewards$555
\u2212 Annual fee$395
Net annual value$160
Citi Strata Premier Card
2

Citi Strata Premier Card

Citi

10x ThankYou Points on Hotels via Portal
10x × 1.5¢/pt = 7.5¢ per dollar

Why this card

  1. 1.10x on Hotels & Lodging — points worth 1.5¢ each ($450/yr on $6,000 spend)
  2. 2.$60/yr Annual Hotel Savings Benefit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.$10/yr ThankYou Points Transfer Partners
MASTERCARD
Core Rate
7.5¢
per dollar on hotels
$95/yr
Annual rewards$450
\u2212 Annual fee$95
Net annual value$355
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3

The Platinum Card from American Express

Amex

5x Membership Rewards on Hotels via Portal
5x × 1.8¢/pt = 4.5¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.8¢ each ($270/yr on $6,000 spend)
  2. 2.$300/yr Fine Hotels + Resorts / Hotel Collection Credit
  3. 3.$120/yr Uber Credit
  4. 4.$100/yr Airline Fee Credit
  5. 5.Centurion Lounge Access
AMEX
Core Rate
4.5¢
per dollar on hotels
$895/yr($697.50 in credits)
Annual rewards$270
+ Credits$697.50
\u2212 Annual fee$895
Net annual value$72.50
Capital One Venture Rewards Credit Card
4

Capital One Venture Rewards Credit Card

Capital One

5x Venture Miles on Hotels via Portal
5x × 1.9¢/pt = 4.6¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.9¢ each ($277.50/yr on $6,000 spend)
  2. 2.$150/yr $250 Capital One Travel Credit (First Year)
  3. 3.$72/yr Global Entry or TSA PreCheck Credit
  4. 4.$20/yr Lyft Credits
  5. 5.Hertz Five Star Status
MASTERCARD
Core Rate
4.6¢
per dollar on hotels
$95/yr
Annual rewards$277.50
\u2212 Annual fee$95
Net annual value$182.50
Chase Sapphire Reserve
5

Chase Sapphire Reserve

Chase

4x Ultimate Rewards on Hotels via Direct
4x × 1.8¢/pt = 3.6¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 1.8¢ each ($216/yr on $6,000 spend)
  2. 2.$240/yr Annual Travel Credit
  3. 3.$125/yr Select Hotels Credit (2026)
  4. 4.$60/yr Lyft Monthly Credit
  5. 5.Priority Pass Select Membership
VISA
Core Rate
3.6¢
per dollar on hotels
$795/yr($668 in credits)
Annual rewards$216
+ Credits$668
\u2212 Annual fee$795
Net annual value$89
Wells Fargo Autograph Journey Visa Credit Card
6

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

5x Wells Fargo Rewards on Hotels via Direct
5x × 1.5¢/pt = 3.8¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.5¢ each ($225/yr on $6,000 spend)
  2. 2.$25/yr $50 annual statement credit
  3. 3.Travel and Emergency Services Assistance
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Visa Signature Rental Car Privileges
VISA
Core Rate
3.8¢
per dollar on hotels
$95/yr($7.20 in credits)
Annual rewards$225
+ Credits$7.20
\u2212 Annual fee$95
Net annual value$137.20
Capital One VentureOne Rewards Credit Card
7

Capital One VentureOne Rewards Credit Card

Capital One

5x Venture Miles on Hotels via Portal
5x × 1.9¢/pt = 4.6¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.9¢ each ($277.50/yr on $6,000 spend)

No annual fee

MASTERCARD
Core Rate
4.6¢
per dollar on hotels
No annual fee
Annual rewards$277.50
Net annual value$277.50
U.S. Bank Altitude Connect Visa Signature Card
8

U.S. Bank Altitude Connect Visa Signature Card

Usbank

4x Usbank Altitude Rewards on Hotels
4x × 1.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 1.0¢ each ($120/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$60/yr TSA PreCheck or Global Entry Credit
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Airport lounge access
VISA
Core Rate
2.0¢
per dollar on hotels
No annual fee($7.20 in credits)
Annual rewards$120
+ Credits$7.20
Net annual value$127.20
Savor Rewards from Capital One
9

Savor Rewards from Capital One

Capital One

5% cash back on Hotels via Portal

Why this card

  1. 1.5% cash back on Hotels & Lodging ($150/yr on $6,000 spend)
  2. 2.$144/yr Complimentary Uber One Membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.Hertz Five Star Status

No annual fee

MASTERCARD
Core Rate
2.5¢
per dollar on hotels
No annual fee
Annual rewards$150
Net annual value$150
Chase Freedom Flex
10

Chase Freedom Flex

Chase

5x Ultimate Rewards on Hotels via Portal
5x × 1.8¢/pt = 2.7¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.8¢ each ($162.00/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits
  3. 3.World Elite Concierge Service
  4. 4.Mastercard Global Emergency Services

No annual fee

MASTERCARD
Core Rate
2.7¢
per dollar on hotels
No annual fee($30 in credits)
Annual rewards$162.00
+ Credits$30
Net annual value$192.00
Citi Custom Cash Card
11

Citi Custom Cash Card

Citi

5% cash back on Hotels

Why this card

  1. 1.5% cash back on Hotels & Lodging ($150/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Lyft Credits
  4. 4.$20/yr Lyft Credits
  5. 5.World Elite Concierge Service
MASTERCARD
Core Rate
2.5¢
per dollar on hotels
No annual fee
Annual rewards$150
Net annual value$150

Bonus rate on first $500/monthly, then base rate

American Express Green Card
12

American Express Green Card

Amex

3x Membership Rewards on Hotels
3x × 1.8¢/pt = 2.7¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.8¢ each ($162.00/yr on $6,000 spend)
  2. 2.$60/yr LoungeBuddy Credit
  3. 3.$105/yr CLEAR Plus Credit
AMEX
Core Rate
2.7¢
per dollar on hotels
$150/yr
Annual rewards$162.00
\u2212 Annual fee$150
Net annual value$12.00
Citi Strata Elite℠ Card
13

Citi Strata Elite℠ Card

Citi

1.5x ThankYou Points on Hotels
1.5x × 1.5¢/pt = 1.9¢ per dollar

Why this card

  1. 1.$150/yr Up to $300 Annual Hotel Benefit
  2. 2.Priority Pass™ Select membership
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.American Airlines Admirals Club® Lounge Access Passes

$597.50 in credits fully offsets the $595 fee

MASTERCARD
1.9¢
per dollar on hotels
$595/yr($597.50 in credits)
Annual rewards$114.75
+ Credits$597.50
\u2212 Annual fee$595
Net annual value$117.25
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14

Bilt Palladium Card

Cardless

2x Bilt Rewards on Hotels
2x × 2.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 2.0¢ each ($120/yr on $6,000 spend)
  2. 2.$200/yr $400 Bilt Travel Hotel credit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$20/yr Lyft Credits
  5. 5.MasterRental Coverage
MASTERCARD
Core Rate
2.0¢
per dollar on hotels
$495/yr($100 in credits)
Annual rewards$120
+ Credits$100
\u2212 Annual fee$495
Net annual value-$275
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15

PenFed Pathfinder Rewards Visa Signature Card

Penfed

4x Penfed Honors Advantage on Hotels
4x × 0.9¢/pt = 1.9¢ per dollar

Why this card

  1. 1.4x on Hotels & Lodging — points worth 0.9¢ each ($111/yr on $6,000 spend)
  2. 2.Priority Pass Select Membership
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.$25/yr Global Entry or TSA PreCheck Credit
  5. 5.Visa Signature Rental Car Privileges
VISA
Core Rate
1.9¢
per dollar on hotels
$95/yr($50 in credits)
Annual rewards$111
+ Credits$50
\u2212 Annual fee$95
Net annual value$66
Quicksilver Secured Rewards
16

Quicksilver Secured Rewards

Capital One

5% cash back on Hotels

Why this card

  1. 1.5% cash back on Hotels & Lodging ($150/yr on $6,000 spend)
  2. 2.Emergency Card Replacement
  3. 3.Mastercard Global Emergency Services

No annual fee

MASTERCARD
Core Rate
2.5¢
per dollar on hotels
No annual fee
Annual rewards$150
Net annual value$150
Wells Fargo Autograph Visa Credit Card
17

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on Hotels
3x × 1.5¢/pt = 2.3¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.5¢ each ($135/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.Concierge service, 24/7
  5. 5.Visa Signature Concierge Services
VISA
Core Rate
2.3¢
per dollar on hotels
No annual fee($7.20 in credits)
Annual rewards$135
+ Credits$7.20
Net annual value$142.20
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18

One Key+ Card

Wells Fargo

3x One Key on Hotels
3x × 1.0¢/pt = 1.5¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($90/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.World Elite Concierge Service
MASTERCARD
Core Rate
1.5¢
per dollar on hotels
No annual fee
Annual rewards$90
Net annual value$90
Chase Sapphire Preferred Card
19

Chase Sapphire Preferred Card

Chase

2x Ultimate Rewards on Hotels via Direct
2x × 1.8¢/pt = 1.8¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 1.8¢ each ($108/yr on $6,000 spend)
  2. 2.$25/yr $50 Annual Hotel Credit
  3. 3.Auto Rental Coverage
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Complimentary 4th night at Ennismore Hotel properties
VISA
Core Rate
1.8¢
per dollar on hotels
$95/yr($60 in credits)
Annual rewards$108
+ Credits$60
\u2212 Annual fee$95
Net annual value$73
Bank of America® Unlimited Cash Rewards for Students
20

Bank of America® Unlimited Cash Rewards for Students

Bank Of America

2% cash back on Hotels

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.Visa Signature Concierge
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
1.7¢
per dollar on hotels
No annual fee
Annual rewards$102
Net annual value$102
Citi Strata Credit Card
21

Citi Strata Credit Card

Citi

5x ThankYou Points on Hotels via Portal
5x × 1.5¢/pt = 2.3¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 1.5¢ each ($135/yr on $6,000 spend)
  2. 2.Airport Lounge Access
  3. 3.$50/yr $300 Annual Travel Credit
  4. 4.$50/yr Global Entry or TSA PreCheck Credit
  5. 5.Mastercard Global Emergency Services

No annual fee

MASTERCARD
Core Rate
2.3¢
per dollar on hotels
No annual fee
Annual rewards$135
Net annual value$135
IHG One Rewards Premier Credit Card
22

IHG One Rewards Premier Credit Card

Chase

5x Ihg One Rewards on Hotels
5x × 0.6¢/pt = 1.5¢ per dollar

Why this card

  1. 1.5x on Hotels & Lodging — points worth 0.6¢ each ($90/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.Automatic Platinum Elite Status
  4. 4.$72/yr Global Entry, TSA PreCheck or NEXUS Statement Credit
  5. 5.$20/yr Lyft Credits
MASTERCARD
Core Rate
1.5¢
per dollar on hotels
$99/yr
Annual rewards$90
\u2212 Annual fee$99
Net annual value-$9
Bilt Obsidian Card
23

Bilt Obsidian Card

Cardless

2x Bilt Rewards on Hotels
2x × 2.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.2x on Hotels & Lodging — points worth 2.0¢ each ($120/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits
  3. 3.MasterRental Coverage
  4. 4.World Elite Concierge Service

$40 in credits offset the $95 fee

MASTERCARD
Core Rate
2.0¢
per dollar on hotels
$95/yr($40 in credits)
Annual rewards$120
+ Credits$40
\u2212 Annual fee$95
Net annual value$65
Business Advantage Travel Rewards World Mastercard®
24

Business Advantage Travel Rewards World Mastercard®

Bank Of America

3x Bank Of America Points on Hotels
3x × 1.0¢/pt = 1.5¢ per dollar

Why this card

  1. 1.3x on Hotels & Lodging — points worth 1.0¢ each ($90/yr on $6,000 spend)
  2. 2.Free Employee Cards
  3. 3.$30/yr No Foreign Transaction Fees
  4. 4.QuickBooks Integration
  5. 5.Digital Wallet

No annual fee

MASTERCARD
Core Rate
1.5¢
per dollar on hotels
No annual fee
Annual rewards$90
Net annual value$90
Fidelity Rewards Visa Signature Card
25

Fidelity Rewards Visa Signature Card

Elan Financial

2% cash back on Hotels

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.Visa Signature Concierge
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
1.7¢
per dollar on hotels
No annual fee
Annual rewards$102
Net annual value$102
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26

TD Double Up Credit Card

Td Bank

2% cash back on Hotels

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.Visa Signature Concierge
  4. 4.$5/yr Booking.com Travel Credits

No annual fee

VISA
1.7¢
per dollar on hotels
No annual fee
Annual rewards$102
Net annual value$102
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27

Verizon Visa Card

Synchrony

2% cash back on Hotels

Why this card

  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.Visa Signature Concierge

No annual fee

VISA
1.7¢
per dollar on hotels
No annual fee($7.20 in credits)
Annual rewards$102
+ Credits$7.20
Net annual value$109.20
Quicksilver Rewards for Good Credit
28

Quicksilver Rewards for Good Credit

Capital One

5x points on Hotels

Why this card

  1. 1.5x on Hotels & Lodging ($150/yr on $6,000 spend)
  2. 2.Complimentary Concierge Service
  3. 3.Mastercard Global Emergency Services
  4. 4.Roadside Assistance

No annual fee

MASTERCARD
Core Rate
2.5¢
per dollar on hotels
No annual fee
Annual rewards$150
Net annual value$150
U.S. Bank Shield Visa Card
29

U.S. Bank Shield Visa Card

Usbank

4% cash back on Hotels via Portal

Why this card

  1. 1.4% cash back on Hotels & Lodging ($120/yr on $6,000 spend)
  2. 2.Visa Emergency Services

No annual fee

VISA
Core Rate
2.0¢
per dollar on hotels
No annual fee($10 in credits)
Annual rewards$120
+ Credits$10
Net annual value$130
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30

BMO Escape

Bmo

3x points on Hotels

Why this card

  1. 1.3x on Hotels & Lodging ($90/yr on $6,000 spend)
  2. 2.PriorityPass Airport Lounge Access
  3. 3.$25/yr Unwind with a $240 hotel credit
  4. 4.MasterRental Car Rental Coverage

$12.50 in credits offset the $150 fee

MASTERCARD
Core Rate
1.5¢
per dollar on hotels
$150/yr($12.50 in credits)
Annual rewards$90
+ Credits$12.50
\u2212 Annual fee$150
Net annual value-$47.50

Bonus rate on first $3,000/quarterly, then base rate