- Top hotel business credit cards for 2025
- Summary of the best hotel business credit cards
- What is a hotel branded credit card?
- How to choose between hotel credit cards
- How to maximize rewards with hotel business credit cards
- Why choose a Ramp Business Credit Card
Choosing the best hotel business credit card can feel like a daunting task. With so many options out there, it's crucial to understand what each card offers and how it aligns with your specific needs.
Whether you're after generous rewards, valuable perks, or low fees, finding the right card can significantly impact your travel expenses.
Let's break down the key factors to consider when selecting the best hotel business credit card.
Top hotel business credit cards for 2025
Ramp Business Credit Card
Ramp Business Credit Card
- Higher credit limits: Ramp offers credit limits up to 30 times higher than traditional business credit cards by evaluating factors like your company’s cash flow and bank balance, not your credit score.
- Expense controls: You can easily enforce company spending policies by setting limits on vendors, categories, or individual transactions. Ramp also flags out-of-policy spending automatically.
- Exclusive partner rewards: Ramp users can access over $350,000 in rewards and perks from major business partners, including discounts with companies like Amazon, UPS, and QuickBooks.
- Comprehensive financial platform: Beyond being a credit card, Ramp gives you access to a suite of tools, including expense management, financial reporting, and accounting integrations, all in one platform.
- Real-time spend visibility: Ramp gives you immediate insights into your company’s spending, allowing you to track and monitor expenses in real time, so you can make adjustments on the fly.
- Unlimited virtual cards: You can generate an unlimited number of virtual cards for your employees, each with custom spending controls, providing flexibility and added security for online purchases.
- Automated receipt matching: Ramp automatically matches receipts to transactions, reducing the manual workload for your team and helping ensure compliance with your company’s expense policies.
- Not available to sole proprietors: Only registered businesses are eligible to apply for Ramp.
- Requires cash-on-hand to qualify: Businesses must have at least $25,000 in a U.S. business bank to qualify.
Ramp stands out for its flexibility and comprehensive features. While not exclusively designed for hotels, it is one of the best travel cards out there. The card offers cashback that can be used for any expense, including hotel stays. The travel management and booking features allow cardholders to book hotels and flights at the lowest rates, simplifying travel planning.
The platform also provides real-time expense tracking and automated receipt matching, reducing administrative tasks for hotel owners, saving you precious time when booking. You can also customize guardrails to prevent out-of-policy spend, from per-diems to hotel rates. Additionally, Ramp integrates with various accounting software, ensuring seamless financial management.
Marriott Bonvoy Business American Express Card
Marriott Bonvoy Business American Express Card
- Elite status boost to Marriott Gold
- Annual Free Night Award
- Earn 4x points at Marriott and 2x points on travel booked through Amex
- Low earnings on non-Marriott purchases
- Limited utility for non-Marriott stays
- Modest annual fee
The Marriott Bonvoy Business American Express Card offers substantial rewards for hotel stays and travel expenses. Cardholders earn up to 6x points at Marriott properties and 4x points on U.S. restaurants, gas stations, wireless telephone services, and shipping. The card also provides complimentary Silver Elite status, which includes priority late checkout and room upgrades.
However, the $125 annual fee may be a drawback for some users. Customer reviews highlight issues with point redemption and limited availability of reward nights.
Hilton Honors American Express Business Card
Hilton Honors American Express Business Card
- 12x points at Hilton hotels
- Gold status with free breakfast
- 6x points on business categories
- No foreign transaction fees
- Free employee cards
- $195 annual fee
- No Free Night Reward
- Low point redemption value
- Best only for Hilton loyalists
- Limited travel protection benefits
The Hilton Honors American Express Business Card provides rewards for Hilton stays and other business expenses. Cardholders earn up to 12x points at Hilton properties and 6x points on select business and travel purchases. The card includes complimentary Gold status, offering benefits like free breakfast and room upgrades. However, the $195 annual fee and limited point redemption options may deter some users. As of recent, the Free Night Benefit has also been removed from the card, a dealbreaker for a lot of card holders.
Some business owners consider the Hilton Honors American Express Aspire Card, a premium personal card with a steep $550 fee. It includes top-tier Diamond status, an annual free night, and generous travel credits. While it lacks business-specific features like expense tracking and employee cards, it may offer better overall value for frequent Hilton travelers who can maximize the luxury travel benefits.
IHG Rewards Club Premier Business Credit Card
IHG Rewards Club Premier Business Credit Card
- Up to 10x points at IHG hotels (plus extra as an IHG One Rewards member)
- Automatic Platinum Elite status with benefits like room upgrades and late checkout
- Annual free night on account anniversary (worth up to 40,000 points)
- Fourth reward night free when redeeming points for 4+ nights
- No foreign transaction fees
- $99 annual fee
- IHG points often valued under 1 cent, reducing redemption value
- Limited luxury brand footprint compared to competitors like Marriott or Hilton
The IHG Rewards Club Premier Business Credit Card offers rewards for IHG hotel stays and other purchases. Cardholders earn up to 10x points at IHG properties and 5x points on travel, gas stations, and dining. The card includes a free night each year and Platinum Elite status, which provides room upgrades and late checkout.
The card's $99 annual fee and limited point transfer options may be concerns. There have been a lot of complaints about the IHG One Rewards being worth less than a penny a point on most redemption.
World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
- Up to 9x points at Hyatt hotels
- 2x points in top 3 spending categories each quarter
- Automatic Discoverist status, with benefits like late checkout and preferred room
- Up to $100 in Hyatt statement credits annually
- Elite night credits: Earn 5 tier-qualifying nights every $10K spent
- $199 annual fee—higher than many business hotel cards
- Smaller hotel footprint compared to Hilton or Marriott
- No automatic free night (must spend $50K/year to earn one)
The World of Hyatt Business Credit Card is ideal for frequent travelers who prefer Hyatt properties. Cardholders earn up to 9x points total at Hyatt hotels (4x from the card and 5x as a World of Hyatt member) and 2x points in your top three spend categories each quarter. The card includes automatic Discoverist status, an annual $100 Hyatt credit and accelerated paths to higher elite status levels.
Its annual fee may be a sticking point for some, and the Hyatt hotel footprint is more limited than competitors like Marriott or Hilton.
The Business Platinum Card from American Express
The Business Platinum Card from American Express
- Advanced travel perks
- Statement credits
- Up to 5x points back
- High annual fee
- You have to travel often to make the most use of this card
- 5x points back only applies for flights and prepaid hotels booked on AmexTravel.com
The Business Platinum Card from American Express offers travel benefits and rewards. Cardholders earn 5x points on flights and prepaid hotels booked through Amex Travel.
The card provides access to over 1,300 airport lounges worldwide and includes complimentary Gold status with Hilton and Marriott.
The major down is the cost. The card's $695 annual fee is significantly higher than other cards, which may be prohibitive for some users.
Summary of the best hotel business credit cards
Best hotel business credit cards
- Ramp's corporate business credit card includes built-in spend management and travel-specific features
- Ability to set and enforce your company's travel spending policy on employee cards
- Features a travel dashboard displaying complete trip itineraries and flight information for each employee
- Offers cashback on purchases, including those made through travel booking platforms
- Provides AI-powered finance automation and insights
- Real-time expense reporting, customizable spending controls, and card templates for efficient financial management
- Seamless integration with over 100 applications, including travel management platforms
APR
N/A
Fees
$0
Marriott Bonvoy Business American Express Card- Marriott Gold Elite status, which includes late checkout and free Wi-Fi
- Annual Free Night Award worth up to 35,000 Marriott Bonvoy points
- 4x points on Marriott purchases
- 2x points on other purchases
APR
19.99-28.99% (variable)
Fees
$125
Hilton Honors American Express Business Card- Earn up to 12x points at Hilton properties and 6x points on select business and travel categories (like gas stations, wireless services, and shipping)
- Often includes a generous point bonus after meeting minimum spend
- Comes with complimentary Gold status
- High annual fee of $195
APR
19.99-28.99% (variable)
Fees
$195
IHG Rewards Club Premier Business Credit Card- Earn 10x points at IHG hotels, 5x points on travel, gas stations, dining, and 3x on all other purchases
- Welcome offer typically includes a large point bonus good for multiple reward nights
- Includes automatic Platinum Elite status
- Low annual fee of $99
- Free night award is given each account anniversary
APR
19.99-28.49% (variable)
Fees
$99
World of Hyatt Business Credit Card- 9x points at Hyatt hotels, plus 2x points in top 3 spending categories each quarter
- Automatic Discoverist status
- Up to $100 in Hyatt credits annually
- Earn 5 elite night credits per $10K spent
APR
19.99-28.49% (variable)
Fees
$199
American Express Business Platinum Card- High annual fee
- 5x points on flights and prepaid hotels booked through AmexTravel.com
- Centurion Lounge and Priority Pass airport lounge access
- Elite status with Marriott Bonvoy and Hilton Honors
- Airline fee credits
APR
18.49-27.49% (variable)
Fees
$695
At Ramp, transparency and integrity are core values guiding our content. We believe in the exceptional value of our products, which may shape our perspective. Our methodical approach involves competitor analysis, comparison of credit cards, and frequent reviews to maintain reliability. Review our full methodology for choosing the best business credit cards.
What is a hotel branded credit card?
A hotel-branded credit card is a credit card issued in partnership between a hotel chain and a financial institution. It is designed to reward spending with points in that hotel’s loyalty program.
Cardholders typically earn bonus points on hotel stays and related purchases, and get access to perks like free nights, elite status, and room upgrades. These cards are ideal for frequent business travelers loyal to a specific hotel brand.
What credit score do you need for a hotel credit card?
Most hotel credit cards require a good to excellent credit score, typically 670 or higher. Premium cards with more perks may require scores in the 700+ range.
How to choose between hotel credit cards
How do you know which hotel credit card will give you the most bang for your buck?
Consider your business's travel habits
First, assess how often your business requires travel. Frequent travelers benefit more from cards offering higher rewards on hotel stays and travel-related expenses. If most business trips involve hotel stays, prioritize cards that offer substantial points or cashback for hotel bookings. Conversely, if travel is infrequent, a card with a broader range of benefits might be more suitable.
Compare reward earning potential
Next, evaluate the reward structures of different cards. Some cards offer points per dollar spent, while others provide cashback. Look for cards that maximize rewards on categories where your business spends the most. For example, if hotel stays are a significant expense, choose a card that offers higher points or cashback rates for hotel bookings. Also, consider whether the rewards can be easily redeemed for hotel stays or other travel-related expenses.
Evaluate annual fees vs. benefits
Annual fees can vary widely among hotel business credit cards. Some cards charge high fees but offer extensive benefits, while others have low or no fees with fewer perks. Weigh the annual fee against the benefits provided. If the perks and rewards outweigh the cost of the fee, it might be worth the investment. However, if the fee is too high relative to the benefits, consider a card with a lower fee.
Look for valuable travel perks and protections
Travel perks and protections can add significant value to a hotel business credit card. Look for features such as free nights, room upgrades, late check-out, and complimentary breakfast. Additionally, consider cards that offer travel insurance, trip cancellation coverage, and lost luggage reimbursement. These perks can enhance your travel experience and provide peace of mind. For those who travel internationally, exploring no foreign transaction fee business credit cards can be beneficial.
How do you get rewards for staying at a hotel?
You can earn rewards for staying at a hotel by joining the hotel's loyalty program and booking directly through their website or app. Using a co-branded hotel credit card can also earn you bonus points and unlock extra perks like free nights or elite status faster.
Check for introductory offers and bonuses
Introductory offers and bonuses can provide a substantial boost to your rewards balance. Many hotel business credit cards offer sign-up bonuses, such as a large number of points or cashback after meeting a minimum spending requirement within the first few months. Evaluate these offers carefully, as they can significantly enhance the value of the card in the initial period. However, ensure the spending requirement aligns with your business's budget and spending habits.
How to maximize rewards with hotel business credit cards
Maximizing your rewards isn't just about picking the right card—it's also about using it effectively. Here are some tips to help you get the most out of your card.
Use your card for all business expenses
Maximize rewards by using your hotel business credit card for all business-related expenses. This includes travel bookings, dining, office supplies, and even utility bills. Every purchase contributes to your rewards balance, allowing you to accumulate points or cashback faster. Consistent use of your card ensures you don't miss out on potential rewards from everyday business transactions.
Take advantage of bonus categories
Many hotel business credit cards offer higher rewards rates for specific spending categories such as travel, dining, or gas. Identify which categories earn bonus points that align your spending to take full advantage. For instance, if your card offers extra points for dining, make sure to use it for all business meals and client dinners. This strategy helps you earn rewards at an accelerated rate, maximizing the benefits of your card.
Use hotel loyalty program partnerships
Leverage partnerships between your credit card and hotel loyalty programs. These partnerships often provide additional perks like free nights, room upgrades, and exclusive discounts. Enroll in the loyalty programs of the hotels you frequently use and link them to your credit card. This not only boosts your rewards earnings but also enhances your overall travel experience with added benefits.
Redeem points strategically for maximum value
Redeem your points strategically to get the most value. Hotel stays often provide the best redemption rates, so prioritize using points for bookings. Look for opportunities to book during off-peak times when fewer points are required. Additionally, consider using points for upgrades or additional services that enhance your stay. Avoid redeeming points for lower-value items like merchandise or gift cards, as these options typically offer less value per point.
For more tips on managing travel expenses, check out this travel expense reimbursement guide.
Which credit card reward points are best?
While Chase Ultimate Rewards and Amex Membership Rewards are often considered the most valuable due to their flexible travel transfer partners, the true value of points depends on how you redeem them. For most businesses, cash back or direct savings is often the better strategy—it's simple, flexible, and guarantees value without the complexity of navigating travel portals or fluctuating point redemptions.
Why choose a Ramp Business Credit Card
Ramp offers cashback on purchases, making it an ideal choice for businesses that want to maximize their rewards across various spending categories, including hotel stays. Unlike traditional hotel-specific cards, Ramp's flexibility allows you to use your rewards for any expense, providing unparalleled versatility in how you manage your travel budget.
With Ramp, you gain access to powerful travel management tools that simplify booking and expense tracking. The platform enables you to book hotels and flights at the lowest rates while providing real-time expense tracking and automated receipt matching.
Ramp's customizable guardrails help prevent out-of-policy spending, ensuring that your team stays within budget. Whether it's setting per-diem limits or capping hotel rates, these features empower you to maintain control over your business expenses without sacrificing convenience.
Don’t miss out on the opportunity to improve your travel experience while maximizing rewards. Sign up now and unlock exclusive offers tailored for your business needs.
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