Best Cards for Hotels & Lodging

Our assessment of cards ranked by effective return percentage. We calculate points × redemption value to show you the estimated earning potential.

Rankings and valuations reflect PayWithThis’s own editorial methodology. PayWithThis is independent and not affiliated with any issuer. Verify current terms with the issuer before applying.

1
Chase Sapphire Reserve®
$795/year•Chase Ultimate Rewards

4x on hotels booked direct

8.00%
effective return
DetailsLearn More
2
American Express® Green Card
$150/year•Membership Rewards
6.00%
effective return
DetailsLearn More
3
Citi Strata Premier℠ Card
$95/year•ThankYou Points
5.70%
effective return
DetailsLearn More
4
Wells Fargo Autograph Journey℠ Card
$95/year•Wells Fargo Rewards
5.00%
effective return
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5
Blue Business® Plus Credit Card from American Express
No Annual Fee•Membership Rewards
4.00%
effective return
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6
Capital One Spark Miles for Business
$95/year•Capital One Miles
3.70%
effective return
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7
Capital One Venture Rewards Credit Card
$95/year•Capital One Miles
3.70%
effective return
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8
Capital One Venture X Rewards Credit Card
$395/year•Capital One Miles
3.70%
effective return
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9
Delta SkyMiles® Platinum American Express Card
$350/year•Delta SkyMiles
3.30%
effective return
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10
Delta SkyMiles® Platinum Business American Express Card
$350/year•Delta SkyMiles
3.30%
effective return
DetailsLearn More

Our Methodology

We rank cards by effective return percentage, calculated as:

Effective Return = Category Multiplier × Base Point Valuation

This normalizes points, miles, and cash back into a single comparable metric.