Best credit card for Choice Hotels

Pay with Choice Privileges® Select Mastercard®. It earns about 7.5% back at Choice Hotels, the highest rate we found.

No annual fee? Wells Fargo Autograph℠ Card earns 4.3%.

Rank my cards insteadNo account or bank login
7.5%back at Choice Hotels

Every card, ranked for Choice Hotels

  1. 1
    Choice Privileges® Select Mastercard®Best
    $95 a year. Choice Hotels bonus. Stays at participating Choice Hotels.
    7.5%
    10x points
  2. 2
    Wells Fargo Autograph Journey℠ Card
    $95 a year. Counts as Hotels & Lodging.
    7.2%
    5x points
  3. 3
    Chase Sapphire Reserve®
    $795 a year. Counts as Hotels & Lodging. 4x on hotels booked direct.
    6.8%
    4x points
  4. 4
    American Express® Green Card
    $150 a year. Counts as Hotels & Lodging.
    5.1%
    3x points
  5. 5
    Citi Strata Premier℠ Card
    $95 a year. Counts as Hotels & Lodging.
    4.8%
    3x points
  6. 6
    Wells Fargo Autograph℠ Card
    No annual fee. Counts as Travel. 3x on travel (airfare, hotels, car rentals, cruises and more).
    4.3%
    3x points
  7. 7
    4.0%
    4x points
  8. 8
    Wells Fargo Choice Privileges Mastercard
    No annual fee. Choice Hotels bonus. Stays at participating Choice Hotels.
    3.8%
    5x points
  9. 9
    Delta SkyMiles® Platinum American Express Card
    $350 a year. Counts as Hotels & Lodging.
    3.6%
    3x points
  10. 10
    Bilt Obsidian Card
    $95 a year. Counts as Travel. 2X on airlines, hotels, cruise lines and car rentals booked directly.
    3.6%
    2x points
Show all 122 cards
  1. 11
    Bilt Palladium Card
    $495 a year. Base rate on everything.
    3.6%
    2x points
  2. 12
    IHG One Rewards Premier Select Credit Card
    $350 a year. Counts as Travel. All other travel, including rideshare.
    3.5%
    6x points
  3. 13
    Capital One Venture Rewards Credit Card
    $95 a year. Base rate on everything.
    3.4%
    2x points
  4. 14
    Capital One Venture X Rewards Credit Card
    $395 a year. Base rate on everything.
    3.4%
    2x points
  5. 15
    Chase Sapphire Preferred® Card
    $95 a year. Counts as Travel. 2x points on travel purchases.
    3.4%
    2x points
  6. 16
    Bank of America® Customized Cash Rewards Credit Card
    No annual fee. Counts as Travel. If you pick it as your bonus category. 3% in the category you choose (change monthly); $2,500 combined quarterly cap with the 2% categories.
    3.0%
    3% back
  7. 17
    Bank of America® Customized Cash Rewards Credit Card for Students
    No annual fee. Counts as Travel. 3% in the category you choose (change monthly); $2,500 combined quarterly cap with the 2% categories.
    3.0%
    3% back
  8. 18
    Costco Anywhere Visa® Card by Citi
    No annual fee. Counts as Travel.
    3.0%
    3% back
  9. 19
    GM Rewards Mastercard
    No annual fee. Base rate on everything.
    3.0%
    3x points
  10. 20
    Robinhood Gold Card
    $50 a year. Base rate on everything.
    3.0%
    3% back
  11. 21
    Truist Enjoy Beyond
    $95 a year. Counts as Hotels & Lodging.
    3.0%
    3x points
  12. 22
    Aer Lingus Visa Signature® Credit Card
    $95 a year. Counts as Hotels & Lodging. Hotel stays booked directly with the hotel.
    2.4%
    2x points
  13. 23
    British Airways Visa Signature® Credit Card
    $95 a year. Counts as Hotels & Lodging. Hotel stays booked directly with the hotel.
    2.4%
    2x points
  14. 24
    Iberia Visa Signature® Credit Card
    $95 a year. Counts as Hotels & Lodging. Hotel stays booked directly with the hotel.
    2.4%
    2x points
  15. 25
    United Club℠ Card
    $695 a year. Counts as Travel.
    2.4%
    2x points
  16. 26
    United Quest℠ Card
    $350 a year. Counts as Travel.
    2.4%
    2x points
  17. 27
    United℠ Explorer Card
    $150 a year. Counts as Hotels & Lodging.
    2.4%
    2x points
  18. 28
    Wyndham Rewards Earner® Plus Card
    $95 a year. Counts as Travel.
    2.4%
    4x points
  19. 29
    Citi Strata Elite℠ Card
    $595 a year. Base rate on everything.
    2.4%
    1.5x points
  20. 30
    Capital One VentureOne Rewards Credit Card
    No annual fee. Base rate on everything.
    2.1%
    1.25x points
  21. 31
    Apple Card
    No annual fee. Base rate on everything.
    2.0%
    2% back
  22. 32
    2.0%
    2x points
  23. 33
    2.0%
    2x points
  24. 34
    Bread Cashback® American Express® Credit Card
    No annual fee. Base rate on everything.
    2.0%
    2% back
  25. 35
    Citi Double Cash® Card
    No annual fee. Base rate on everything.
    2.0%
    2% back
  26. 36
    RCI Elite Rewards World Mastercard
    No annual fee. Counts as Travel. Includes rideshare, gas and EV charging.
    2.0%
    2x points
  27. 37
    SoFi Unlimited 2% Credit Card
    No annual fee. Base rate on everything.
    2.0%
    2% back
  28. 38
    Synchrony Premier World Mastercard
    No annual fee. Base rate on everything.
    2.0%
    2% back
  29. 39
    T-Mobile Visa®
    No annual fee. Base rate on everything.
    2.0%
    2x points
  30. 40
    Truist Enjoy Travel
    No annual fee. Counts as Hotels & Lodging.
    2.0%
    2x points
  31. 41
    Wells Fargo Active Cash® Card
    No annual fee. Base rate on everything.
    2.0%
    2% back
  32. 42
    Bilt Blue Card
    No annual fee. Base rate on everything.
    1.8%
    1x points
  33. 43
    IHG One Rewards Premier Credit Card
    $150 a year. Base rate on everything.
    1.8%
    3x points
  34. 44
    American Express® Gold Card
    $325 a year. Base rate on everything.
    1.7%
    1x points
  35. 45
    The Platinum Card® from American Express
    $895 a year. Base rate on everything.
    1.7%
    1x points
  36. 46
    World of Hyatt Credit Card
    $95 a year. Base rate on everything.
    1.6%
    1x points
  37. 47
    Atmos™ Rewards Ascent Visa Signature®
    $95 a year. Base rate on everything.
    1.5%
    1x points
  38. 48
    BJ’s One® Mastercard®
    No annual fee. Base rate on everything.
    1.5%
    1.5x points
  39. 49
    Bank of America Travel Rewards Credit Card for Students
    No annual fee. Base rate on everything.
    1.5%
    1.5x points
  40. 50
    1.5%
    1.5% back
  41. 51
    Bank of America® Travel Rewards Credit Card
    No annual fee. Base rate on everything.
    1.5%
    1.5x points
  42. 52
    Bank of America® Unlimited Cash Rewards Credit Card
    No annual fee. Base rate on everything.
    1.5%
    1.5% back
  43. 53
    Capital One Quicksilver Cash Rewards Credit Card
    No annual fee. Base rate on everything.
    1.5%
    1.5% back
  44. 54
    Capital One Quicksilver Secured Cash Rewards Credit Card
    No annual fee. Base rate on everything.
    1.5%
    1.5% back
  45. 55
    Chase Freedom Rise® Credit Card
    No annual fee. Base rate on everything.
    1.5%
    1.5x points
  46. 56
    Chase Freedom Unlimited®
    No annual fee. Base rate on everything.
    1.5%
    1.5x points
  47. 57
    Discover it® Miles
    No annual fee. Base rate on everything.
    1.5%
    1.5x points
  48. 58
    OnePay CashRewards Card
    No annual fee. Base rate on everything.
    1.5%
    1.5% back
  49. 59
    QuicksilverOne Rewards
    $39 a year. Base rate on everything.
    1.5%
    1.5% back
  50. 60
    REI Co-op® Mastercard®
    No annual fee. Base rate on everything.
    1.5%
    1.5x points
  51. 61
    Regions Cash Rewards Visa Signature Credit Card
    No annual fee. Base rate on everything.
    1.5%
    1.5% back
  52. 62
    The One Key® Card
    No annual fee. Base rate on everything.
    1.5%
    1.5x points
  53. 63
    Marriott Bonvoy Bevy™ American Express® Card
    $250 a year. Base rate on everything.
    1.5%
    2x points
  54. 64
    Marriott Bonvoy Boundless® Credit Card
    $95 a year. Base rate on everything.
    1.5%
    2x points
  55. 65
    Marriott Bonvoy Bountiful™ Card
    $250 a year. Base rate on everything.
    1.5%
    2x points
  56. 66
    Marriott Bonvoy Brilliant® American Express® Card
    $650 a year. Base rate on everything.
    1.5%
    2x points
  57. 67
    1.4%
    1x points
  58. 68
    Citi® / AAdvantage® Globe™ Mastercard®
    $350 a year. Base rate on everything.
    1.4%
    1x points
  59. 69
    Citi® / AAdvantage® MileUp® Card
    No annual fee. Base rate on everything.
    1.4%
    1x points
  60. 70
    1.4%
    1x points
  61. 71
    JetBlue Plus Card
    $99 a year. Base rate on everything.
    1.3%
    1x points
  62. 72
    Southwest Rapid Rewards® Plus Credit Card
    $99 a year. Base rate on everything.
    1.3%
    1x points
  63. 73
    Southwest Rapid Rewards® Premier Credit Card
    $149 a year. Base rate on everything.
    1.3%
    1x points
  64. 74
    Southwest Rapid Rewards® Priority Card
    $229 a year. Base rate on everything.
    1.3%
    1x points
  65. 75
    Delta SkyMiles® Blue American Express Card
    No annual fee. Base rate on everything.
    1.2%
    1x points
  66. 76
    Delta SkyMiles® Gold American Express Card
    $150 a year. Base rate on everything.
    1.2%
    1x points
  67. 77
    Delta SkyMiles® Reserve American Express Card
    $650 a year. Base rate on everything.
    1.2%
    1x points
  68. 78
    Hilton Honors American Express Aspire Card
    $550 a year. Base rate on everything.
    1.2%
    3x points
  69. 79
    Hilton Honors American Express Card
    No annual fee. Base rate on everything.
    1.2%
    3x points
  70. 80
    Hilton Honors American Express Surpass® Card
    $150 a year. Base rate on everything.
    1.2%
    3x points
  71. 81
    United Gateway Card
    No annual fee. Base rate on everything.
    1.2%
    1x points
  72. 82
    IHG One Rewards Credit Card
    No annual fee. Base rate on everything.
    1.2%
    2x points
  73. 83
    AARP Essential Rewards Mastercard from Barclays
    No annual fee. Base rate on everything.
    1.0%
    1% back
  74. 84
    AT&T Points Plus® Card from Citi
    No annual fee. Base rate on everything.
    1.0%
    1x points
  75. 85
    Amazon Prime Visa
    No annual fee. Base rate on everything.
    1.0%
    1% back
  76. 86
    American Express® Blue Cash Preferred® Card
    $95 a year. Base rate on everything.
    1.0%
    1% back
  77. 87
    Barclays View™ Mastercard®
    No annual fee. Base rate on everything.
    1.0%
    1% back
  78. 88
    Bass Pro Shops CLUB Card
    No annual fee. Base rate on everything.
    1.0%
    1x points
  79. 89
    Blue Cash Everyday® Card from American Express
    No annual fee. Base rate on everything.
    1.0%
    1% back
  80. 90
    Capital One Savor Cash Rewards Credit Card
    No annual fee. Base rate on everything.
    1.0%
    1% back
  81. 91
    Capital One Savor Student Cash Rewards Credit Card
    No annual fee. Base rate on everything.
    1.0%
    1% back
  82. 92
    Capital One SavorOne Cash Rewards Credit Card
    $39 a year. Base rate on everything.
    1.0%
    1% back
  83. 93
    Cashback Rewards Plus American Express® Card
    No annual fee. Base rate on everything.
    1.0%
    1% back
  84. 94
    Chase Freedom Flex®
    No annual fee. Base rate on everything.
    1.0%
    1x points
  85. 95
    Citi Strata℠ Card
    No annual fee. Base rate on everything.
    1.0%
    1x points
  86. 96
    Discover it® Cash Back
    No annual fee. Base rate on everything.
    1.0%
    1% back
  87. 97
    Discover it® Chrome Gas & Restaurants Credit Card
    No annual fee. Base rate on everything.
    1.0%
    1% back
  88. 98
    Discover it® Secured Cash Back
    No annual fee. Base rate on everything.
    1.0%
    1% back
  89. 99
    Discover it® Student Cash Back
    No annual fee. Base rate on everything.
    1.0%
    1% back
  90. 100
    Discover it® Student Chrome
    No annual fee. Base rate on everything.
    1.0%
    1% back
  91. 101
    Disney® Inspire Visa® Card
    $149 a year. Base rate on everything.
    1.0%
    1x points
  92. 102
    Disney® Premier Visa® Card
    $49 a year. Base rate on everything.
    1.0%
    1x points
  93. 103
    Disney® Visa® Card
    No annual fee. Base rate on everything.
    1.0%
    1x points
  94. 104
    DoorDash Rewards Mastercard®
    No annual fee. Base rate on everything.
    1.0%
    1% back
  95. 105
    Instacart Mastercard®
    No annual fee. Base rate on everything.
    1.0%
    1% back
  96. 106
    Kohl's Rewards® Visa
    No annual fee. Base rate on everything.
    1.0%
    1x points
  97. 107
    L.L.Bean® Mastercard®
    No annual fee. Base rate on everything.
    1.0%
    1x points
  98. 108
    Navy Federal More Rewards American Express® Card
    No annual fee. Base rate on everything.
    1.0%
    1x points
  99. 109
    Navy Federal cashRewards Secured
    No annual fee. Base rate on everything.
    1.0%
    1% back
  100. 110
    Regions Prestige Visa Signature Credit Card
    No annual fee. Base rate on everything.
    1.0%
    1% back
  101. 111
    Robinhood Platinum Card
    $695 a year. Base rate on everything.
    1.0%
    1% back
  102. 112
    Truist Enjoy Cash Secured
    No annual fee. Base rate on everything.
    1.0%
    1% back
  103. 113
    U.S. Bank Altitude® Go Secured Visa® Card
    No annual fee. Base rate on everything.
    1.0%
    1x points
  104. 114
    U.S. Bank Altitude® Go Visa Signature® Card
    No annual fee. Base rate on everything.
    1.0%
    1x points
  105. 115
    U.S. Bank Cash+ Secured Visa Card
    No annual fee. Base rate on everything.
    1.0%
    1% back
  106. 116
    U.S. Bank Cash+® Visa Signature® Card
    No annual fee. Base rate on everything.
    1.0%
    1% back
  107. 117
    Williams Sonoma Key Rewards® Visa
    No annual fee. Base rate on everything.
    1.0%
    1x points
  108. 118
    PenFed Platinum Rewards Visa Signature® Card
    No annual fee. Base rate on everything.
    0.9%
    1x points
  109. 119
    Marriott Bonvoy Bold® Credit Card
    No annual fee. Base rate on everything.
    0.7%
    1x points
  110. 120
    Bread Rewards® American Express® Credit Card
    No annual fee. Base rate on everything.
    0.5%
    1x points
  111. 121
    Citi Simplicity® Card
    No annual fee. No rewards. This card is built for its 0% intro APR.
    0.0%
    No rewards
  112. 122
    Wells Fargo Reflect® Card
    No annual fee. No rewards. This card is built for its 0% intro APR.
    0.0%
    No rewards

Percent back is the value of what you earn per dollar: points times what a point is worth to you. Rankings are our own, and issuers don’t pay for placement (how we rank). Confirm current terms with the issuer before applying.

Common questions

What's the best credit card to use at Choice Hotels?

The Choice Privileges® Select Mastercard® earns the most at Choice Hotels: about 7.5% back. The best card with no annual fee is the Wells Fargo Autograph℠ Card at 4.3%.

What do purchases at Choice Hotels count as for credit card rewards?

Purchases at Choice Hotels usually code as Hotels & Lodging. Hotels, motels and resorts booked directly; many cards also include vacation rentals like Airbnb.

Which of my cards should I use at Choice Hotels?

Add the cards you carry on PayWithThis — it takes about 30 seconds, with no account or bank login — and every page, including this one, will show which of your own cards earns the most at Choice Hotels.

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