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20 cards ranked

Best credit card to use at Choice Hotels.

HotelsTravel

Choice Hotels operates roughly 7,500 properties worldwide, dominated by mid-scale and economy brands — Comfort Inn, Quality Inn, Sleep Inn, Clarion — with the Cambria and Ascend Hotel Collection covering its upscale push. The 2022 acquisition of Radisson Americas folded Country Inn & Suites and Park Plaza into Choice Privileges, broadening the footprint considerably. Award nights start as low as 6,000 points, and the program is one of the better economy-tier values on a cents-per-point basis. The Wells Fargo Choice Privileges co-brand cards earn elevated points on Choice stays and gas, with the Select tier adding automatic Platinum elite status and an annual bonus night. Direct bookings earn points; OTA stays do not.

  1. #1
    Wells Fargo Choice Privileges Select Mastercard
    Wells Fargo
    Co-branded Choice Hotels card
    At participating Choice Hotels properties
    7.0%10x points
  2. #2
    Chase Sapphire Reserve
    Chase
    4x points on hotels
    Hotels booked directly
    5.0%4x points
  3. #3
    Chase Sapphire Reserve for Business
    Chase
    4x points on hotels
    Hotels booked directly
    5.0%4x points
  4. #4
    Complete Rewards Visa Signature
    FNBO
    5x points on travel
    Airlines, hotels, car rental, cruise lines, travel agencies, transit, taxis, tolls, and timeshares by merchant category code
    5.0%5x points
  5. #5
    Wells Fargo Autograph Journey
    Wells Fargo
    5x points on hotels
    5.0%5x points
  6. #6
    Navy Federal Flagship Premier Visa Signature
    Navy Federal
    4x points on travel
    4.0%4x points
  7. #7
    PenFed Pathfinder Rewards Visa Signature
    PenFed Credit Union
    4x points on travel
    4x with PenFed Honors Advantage (military or Access America checking); 3x otherwise
    4.0%4x points
  8. #8
    US Bank Altitude Connect
    U.S. Bank
    4x points on travel
    4.0%4x points
  9. #9
    Wyndham Rewards Earner Plus
    Barclays
    4x points on travel
    4.0%4x points
  10. #10
    Wyndham Rewards Earner Premier
    Barclays
    4x points on travel
    4.0%4x points
  11. #11
    Ink Business Preferred
    Chase
    3x points on travel (up to $150,000/year, then 1%)
    Travel, shipping, internet/cable/phone, advertising on search engines and social media (combined $150,000/yr cap)
    3.8%3x points
  12. #12
    Delta SkyMiles Platinum American Express
    American Express
    3x points on hotels
    Direct hotel purchases
    3.6%3x points
  13. #13
    Delta SkyMiles Platinum Business American Express
    American Express
    3x points on hotels
    Purchases made directly with hotels
    3.6%3x points
  14. #14
    Wells Fargo Choice Privileges Mastercard
    Wells Fargo
    Co-branded Choice Hotels card
    At participating Choice Hotels properties
    3.5%5x points
  15. #15
    AAA Travel Advantage Visa Signature
    Comenity Capital Bank
    3% on travel
    Includes AAA purchases
    3%
  16. #16
    Air Canada Aeroplan
    Chase
    3x points on travel
    Travel other than Air Canada direct purchases, which earn 3x under the airlines category
    3.0%3x points
  17. #17
    Citi Strata Premier
    Citi
    3x points on hotels
    On hotels booked directly
    3.0%3x points
  18. #18
    Costco Anywhere Visa Business by Citi
    Citi
    3% on travel
    Includes Costco Travel
    3%
  19. #19
    Costco Anywhere Visa by Citi
    Citi
    3% on travel
    Includes Costco Travel
    3%
  20. #20
    Navy Federal Visa Signature Flagship Travel Rewards
    Navy Federal
    3x points on travel
    Includes airlines, hotels, car rentals, ride-sharing, parking, tolls, museums, amusement parks, and golf courses
    3.0%3x points

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Last updated September 14, 2026

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