Skip to main content
20 cards ranked

Best credit card to use at Hotels.com.

TravelHotels

Hotels.com is one of the largest global online travel agencies, owned by Expedia Group. Bookings code as travel on every card we track. The honest catch: hotel chains typically do NOT credit Hotels.com stays toward elite-night or status counts, and many properties exclude OTA stays from earning their loyalty points — so a Hilton/Marriott/Hyatt loyalist almost always books direct. Hotels.com's own One Key Rewards (formerly Hotels.com Rewards) is now unified with Expedia's OneKeyCash and stacks across the Expedia family.

  1. #1
    Chase
    4x points on hotels
    Hotels booked directly
    5.0%4x points
  2. #2
    Wells Fargo
    5x points on hotels
    5.0%5x points
  3. #3
    U.S. Bank
    4x points on travel
    4.0%4x points
  4. #4
    Barclays
    4x points on travel
    4.0%4x points
  5. #5
    Barclays
    4x points on travel
    4.0%4x points
  6. #6
    American Express
    3x points on travel
    3.6%3x points
  7. #7
    American Express
    3x points on hotels
    Direct hotel purchases
    3.6%3x points
  8. #8
    Comenity Capital Bank
    3% on travel
    Includes AAA purchases
    3%
  9. #9
    Lead Bank
    3x points on hotels
    Hotels (also earns 3x on private charters and luxury car rentals — luxury rentals are merchant-gated, see Atlas terms)
    3.0%3x points
  10. #10
    Bilt
    2x points on travel
    3.0%2x points
  11. #11
    Bilt
    2x points on travel
    3.0%2x points
  12. #12
    Citi
    3x points on hotels
    On hotels booked directly
    3.0%3x points
  13. #13
    Citi
    3% on travel
    Includes Costco Travel
    3%
  14. #14
    Citi
    3% on travel
    Includes Costco Travel
    3%
  15. #15
    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)
    3.0%3x points
  16. #16
    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
  17. #17
    USAA
    3x points on travel
    3.0%3x points
  18. #18
    Venmo Credit Cardif it’s your top category
    Synchrony
    3% on travel if it's your top eligible spend category that cycle
    Automatically on your highest-spend eligible category each statement period (8 eligible: transportation, travel, groceries, entertainment, dining & nightlife, bills & utilities, health & beauty, gas). Drugstores here represents health & beauty; bills & utilities maps to utilities.
    3%
  19. #19
    Wells Fargo
    3x points on travel
    3.0%3x points
  20. #20
    Chase
    2x points on travel
    2.5%2x points

Last updated May 17, 2026