BEST CARDS · UPDATED MONTHLY

Best Credit Cards for Hotels (August 2026)

Hotel co-brands post some of the biggest multipliers in the database — but only at their own chain, and hotel points are worth less per point than transferable currencies. We convert everything to true cash-back value and flag chain-restricted rates so the comparison is honest.

By Frank · Updated Aug 18, 2026 · 31 cards ranked

1 4x → ≈ 8% back Hyatt stays only

Chase Hyatt

Chase

Hyatt

Annual fee

$95

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hyatt	4x	8%
Flights	2x	4%
Dining	2x	4%
Everything else	1x	2%
Transit	2x	0%
Gym	2x	0%

Benefits · $340/yr face value

Credits (2)

Tier Qualifying Nights $50 /yr
Complimentary DashPass $40 /quarterly

Status & Elite Perks (2)

Annual Free Night $150 /yr
Discoverist Status $100 /yr

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

2 4x → ≈ 8% back Hyatt stays only

Chase Hyatt Business

Chase

Hyatt

Annual fee

$199

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hyatt	4x	8%
Dining	2x	4%
Flights	2x	4%
Transit	2x	4%
Gas	2x	4%
Advertising	2x	4%
Shipping	2x	4%
Gym	2x	4%
Everything else	1x	2%

Benefits · $150/yr face value

Credits (1)

$100 Hyatt Credit $100 /semi-annual

Status & Elite Perks (1)

World of Hyatt Discoverist Status $50

Other (2)

5 Tier-Qualifying Night Credits per $10k
No Foreign Transaction Fees

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

3 14x → ≈ 6.4% back Hilton stays only

Full review →

Amex Hilton Aspire

American Express

Hilton

14x

Annual fee

$550

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hilton	14x	6.4%
Travel	7x	2.8%
Dining	7x	2.8%
Everything else	3x	1.2%

Benefits · $1,509/yr face value

Credits (6)

$200 Semi-Annual Hilton Resort Credit $400 /semi-annual
Hilton Honors Annual Free Night Reward $300 /yr
CLEAR Plus Credit $209 /yr
$200 Airline Fee Credit $200 /quarterly
TSA PreCheck/Global Entry Credit $100 /yr
$100 Waldorf/Conrad On-Property Credit $100 /yr

Status & Elite Perks (2)

Hilton Diamond Status $200 /yr
National Car Rental Emerald Club Executive

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

4 4x → ≈ 6% back

Full review →

Chase Sapphire Reserve

Chase

Hotels

Annual fee

$795

Welcome bonus

100,000 Ultimate Rewards Points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Flights	4x	6%
Hotels	4x	6%
Dining	3x	4.5%
Everything else	1x	1.5%

Benefits · $3,698/yr face value

Credits (13)

$500 Annual The Edit Credit (2+ nights) $500 /yr
$500 Southwest Airlines Chase Travel Credit $500 /yr
$300 Annual Travel Credit $300 /yr
$25 Monthly DoorDash Credit $300 /monthly
$150 Semi-Annual Dining Credit(Opentable Only) $300 /semi-annual
$150 Semi-Annual StubHub Credit $300 /semi-annual
$250 The Shops at Chase Credit $250 /yr
$250 Select Chase Travel Hotel Credit(2+ nights) $250 /yr
$12.99 Monthly Apple TV Subscription $155.88 /monthly
$10.99 Monthly Apple Music Subscription $131.88 /monthly
Global Entry/TSA PreCheck Credit $120 /yr
$10 Monthly Peloton Credit $120 /monthly
$10 Monthly Lyft Credit $120 /monthly

Status & Elite Perks (5)

Priority Pass Select $250 /yr
IHG One Rewards Platinum Elite Status $100 /yr
IHG One Rewards Diamond Elite Status
World of Hyatt Explorist Status
Southwest Airlines Rapid Rewards A-List Status

Protections (4)

Auto Rental Coverage
Trip Cancellation and Interruption Insurance
Purchase Protection
Extended Warranty Protection

Redemption progress, reset dates and expiry alerts for all 22 benefits — track them automatically in the MaxWorth app →

5 6% back

Chase Sapphire Reserve Business

Chase

Hotels

Annual fee

$795

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Lyft	5%	7.5%
Flights	4%	6%
Hotels	4%	6%
Advertising	3%	4.5%
Everything else	1%	1.5%

Benefits · $3,160/yr face value

Credits (10)

$500 Annual The Edit Credit (2+ nights) $500 /yr
$500 The Shops at Chase Credit $500 /yr
$500 Southwest Chase Travel Credit $500 /yr
$200 Semi-Annual ZipRecruiter Credit $400 /semi-annual
$300 Annual Travel Credit $300 /yr
$25 Monthly DoorDash Credit $300 /monthly
$200 Google Workspace Credit $200 /yr
Global Entry/TSA PreCheck Credit $120 /yr
$10 Monthly Lyft Credit $120 /monthly
$50 Semi-Annual Gift Card Credit $100 /semi-annual

Status & Elite Perks (6)

$120 DashPass Membership $120 /yr
Chase Sapphire Lounge Access
Priority Pass Select
IHG Platinum Elite Status
IHG Diamond Elite Status
Southwest A-List Status

Redemption progress, reset dates and expiry alerts for all 16 benefits — track them automatically in the MaxWorth app →

6 10x → ≈ 6% back Choice stays only

Choice Privileges Select Mastercard

Wells Fargo

Choice Hotels

10x

Annual fee

$95

Welcome bonus

60,000 bonus points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Choice Hotels	10x	6%
Gas	5x	3%
Groceries	5x	3%
Home Improvement	5x	3%
Internet / Cable / Phone	5x	3%
EV Charging	5x	3%
Everything else	1x	0.6%

Benefits · $300/yr face value

Credits (2)

30,000 Anniversary Bonus Points $180 /yr
$120 Global Entry or TSA PreCheck Fee Credit $120 /yr

Status & Elite Perks (1)

Choice Privileges Platinum Elite Status

Protections (1)

Cell Phone Protection

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

7 6x → ≈ 5.4% back Marriott stays only

Chase Ritz-Carlton

Chase

Marriott

Annual fee

$450

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	5.4%
Dining	3x	2.7%
Travel	3x	2.7%
Everything else	2x	1.8%

Benefits · $2,520/yr face value

Credits (4)

Annual Free Night Award $600 /yr
Annual Travel Credit $300 /yr
Global Entry/TSA PreCheck Credit $120 /yr
$100 Hotel Credit $100 /yr

Status & Elite Perks (2)

Marriott Gold Elite Status $1,000 /yr
Priority Pass Select $400 /yr

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

8 10x → ≈ 5% back IHG stays only

Chase IHG Business

Chase

IHG

10x

Annual fee

$99

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
IHG	10x	5%
Travel	5x	2.5%
Dining	5x	2.5%
Advertising	5x	2.5%
Office Supply	5x	2.5%
Gas	5x	2.5%
Everything else	3x	1.5%

Benefits · $620/yr face value

Credits (5)

Additional Free Night $200 /yr
Anniversary Free Night $200 /yr
Global Entry/TSA PreCheck Credit $120 /yr
Annual Spending Bonus $100 /yr
Fourth Night Free

Status & Elite Perks (2)

Automatic Platinum Elite Status
Diamond Elite Status Qualification

Protections (2)

Purchase Protection
Trip Cancellation Insurance

Other (1)

Points Purchase Discount

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

9 10x → ≈ 5% back IHG stays only

Chase IHG Premier

Chase

IHG

10x

Annual fee

$99

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
IHG	10x	5%
Travel	5x	2.5%
Dining	5x	2.5%
Gas	5x	2.5%
Everything else	3x	1.5%

Benefits · $820/yr face value

Status & Elite Perks (4)

Diamond Elite Status $200 /yr
Anniversary Free Night $200 /yr
Platinum Elite Status $150 /yr
4th Reward Night Free $100 /yr

Other (2)

Global Entry Credit $120 /yr
United TravelBank Cash $50 /yr

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

10 5% back

Wells Fargo Autograph Journey

Wells Fargo

Hotels

Annual fee

$95

Welcome bonus

60,000 bonus points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hotels	5%	5%
Flights	4%	4%
Travel	3%	3%
Dining	3%	3%
Everything else	1%	1%

Benefits · $50/yr face value

Credits (1)

$50 Annual Airline Credit $50 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

Show all 31 cards ranked for hotels · ranked #11–#31

11 12x → ≈ 4.8% back Hilton stays only

Amex Hilton Honors Business

American Express

Hilton

12x

Annual fee

$195

Welcome bonus

175,000 Hilton Points + 1 Free Night

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hilton	12x	4.8%
Everything else	5x	2%

Benefits · $240/yr face value

Credits (1)

$240 Hilton Credit $240 /quarterly

Status & Elite Perks (3)

Hilton Honors Gold Status
Hilton Diamond Status ($40k spend)
National Emerald Club Executive Status

Protections (1)

Baggage Insurance Plan

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

12 12x → ≈ 4.8% back Hilton stays only

Amex Hilton Surpass

American Express

Hilton

12x

Annual fee

$150

Welcome bonus

130,000 Hilton Points + 1 Free Night

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hilton	12x	4.8%
Dining	6x	2.4%
Groceries	6x	2.4%
Gas	6x	2.4%
Everything else	3x	1.2%
Retail Online	4x	0%

Benefits · $201/yr face value

Credits (1)

$200 Hilton Credit $200 /quarterly

Status & Elite Perks (4)

Free Night Reward after $15,000 spend $1 /yr
Hilton Honors Diamond Status after $40,000 spend
National Emerald Club Executive Status
Hilton Honors Gold Status

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

13 6x → ≈ 4.2% back Marriott stays only

Amex Marriott Bevy

American Express

Marriott

Annual fee

$250

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	4.2%
Groceries	4x	2.8%
Dining	4x	2.8%
Everything else	2x	1.4%

Benefits · $215/yr face value

Status & Elite Perks (5)

Free Night Award (up to 50,000 points) $200 /yr
15 Elite Night Credits $15 /yr
25% Bonus Points on Stays
Marriott Bonvoy Gold Elite Status
1,000 Bonus Points Per Stay

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

14 6x → ≈ 4.2% back Marriott stays only

Amex Marriott Brilliant

American Express

Marriott

Annual fee

$650

Welcome bonus

200,000 Marriott points (upcoming), currently 100k

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	4.2%
Travel	3x	2.1%
Dining	3x	2.1%
Everything else	2x	1.4%

Benefits · $2,720/yr face value

Credits (3)

$25 Monthly Dining Credit $300 /monthly
TSA PreCheck/Global Entry Credit $120 /yr
$100 Marriott Bonvoy Property Credit $100 /yr

Status & Elite Perks (4)

Marriott Platinum Elite Status $1,200 /yr
Annual Free Night Award $600 /yr
Priority Pass Select $400 /yr
25 Elite Night Credits

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

15 6x → ≈ 4.2% back Marriott stays only

Amex Marriott Business

American Express

Marriott

Annual fee

$125

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	4.2%
Dining	4x	2.8%
Gas	4x	2.8%
Internet / Cable / Phone	4x	2.8%
Shipping	4x	2.8%
Everything else	2x	1.4%

Benefits · $280/yr face value

Credits (3)

Free Night Award $140 /yr
Second Free Night Award ($60K Spend) $140 /yr
7% Room Rate Discount

Status & Elite Perks (2)

Elite Night Credits
Marriott Bonvoy Gold Elite Status

Other (1)

Employee Card Benefits

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

16 6x → ≈ 4.2% back Marriott stays only

Chase Marriott Bonvoy Boundless

Chase

Marriott

Annual fee

$95

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	4.2%
Dining	3x	2.1%
Groceries	3x	2.1%
Gas	3x	2.1%
Everything else	2x	1.4%

Benefits · $420/yr face value

Credits (2)

Annual Free Night Award $200 /yr
DoorDash Quarterly Credit $40 /quarterly

Status & Elite Perks (4)

15 Elite Night Credits $35 /yr
Automatic Silver Elite Status $25 /yr
Path to Gold Status
Elite Night Credits from Spending

Other (1)

Complimentary DashPass $120 /yr

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

17 6x → ≈ 4.2% back Marriott stays only

Chase Marriott Bonvoy Business

Chase

Marriott

Annual fee

$125

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	4.2%
Gas	4x	2.8%
Dining	4x	2.8%
Internet / Cable / Phone	4x	2.8%
Everything else	2x	1.4%

Benefits · $450/yr face value

Credits (3)

Second Free Night Award ($60K Spend) $200 /yr
Annual Free Night Award $200 /yr
7% Room Rate Discount

Status & Elite Perks (3)

Marriott Bonvoy Gold Elite Status $50 /yr
Elite Night Credits from Spending
15 Elite Night Credits

Protections (6)

Trip Delay Reimbursement
Auto Rental Coverage
Lost Luggage Reimbursement
Baggage Delay Insurance
Purchase Protection
Extended Warranty Protection

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

18 6x → ≈ 4.2% back Marriott stays only

Chase Marriott Bountiful

Chase

Marriott

Annual fee

$250

Welcome bonus

85,000 Bonus Points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	4.2%
Groceries	4x	2.8%
Dining	4x	2.8%
Everything else	2x	1.4%

Benefits · $695/yr face value

Credits (1)

Free Night Award (After $15K Spend) $300 /yr

Status & Elite Perks (2)

Automatic Gold Elite Status $100 /yr
15 Elite Night Credits

Protections (4)

Baggage Delay Reimbursement $50 /yr
Lost Luggage Coverage $50 /yr
Trip Delay Reimbursement $50 /yr
Purchase Protection $25 /yr

Other (1)

Complimentary DashPass $120 /yr

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

19 3x → ≈ 3.6% back

Amex Delta Platinum

American Express

Hotels

Annual fee

$350

Welcome bonus

100,000 Delta SkyMiles

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hotels	3x	3.6%
Flights	3x	3.6%
Dining	2x	2.4%
Groceries	2x	2.4%
Everything else	1x	1.2%

Benefits · $1,260/yr face value

Credits (6)

Annual Companion Certificate $400 /yr
$150 Delta Stays Credit $150 /yr
Free Checked Bag $140 /yr
$10 Monthly Rideshare Credit $120 /monthly
$10 Monthly Resy Credit $120 /monthly
Global Entry/TSA PreCheck Credit $30

Status & Elite Perks (2)

Priority Boarding $50 /yr
MQD Headstart

Protections (1)

Cell Phone Protection $50 /yr

Other (1)

Award Travel Discount $200 /yr

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

20 3x → ≈ 3.6% back

Amex Delta Platinum Business

American Express

Hotels

Annual fee

$350

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Flights	3x	3.6%
Hotels	3x	3.6%
Transit	1.5x	1.8%
Shipping	1.5x	1.8%
Everything else	1x	1.2%

Benefits · $1,310/yr face value

Credits (5)

Annual Companion Certificate $400 /yr
$200 Delta Stays Credit $200 /yr
$10 Monthly Resy Credit $120 /monthly
$10 Monthly Rideshare Credit $120 /monthly
Global Entry/TSA PreCheck Credit $30

Status & Elite Perks (3)

Free Checked Bag $140 /yr
Priority Boarding $50 /yr
MQD Headstart

Protections (1)

Cell Phone Protection $50 /yr

Other (1)

Award Travel Discount $200 /yr

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

21 2x → ≈ 3% back

Chase British Airways Visa Signature

Chase

Hotels

Annual fee

$95

Welcome bonus

Earn 75,000 Avios

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Flights	3x	4.5%
Hotels	2x	3%
Everything else	1x	1.5%

Benefits · $1,080/yr face value

Credits (2)

Travel Together Ticket $500 /yr
Reward Flight Statement Credit $300 /yr

Protections (6)

Auto Rental Collision Damage Waiver $75 /yr
Purchase Protection $30 /yr
Lost Luggage Insurance $25 /yr
Travel Accident Insurance $20 /yr
Extended Warranty $15 /yr
Baggage Delay Insurance $15 /yr

Other (1)

10% Off British Airways Flights $100 /yr

Redemption progress, reset dates and expiry alerts for all 9 benefits — track them automatically in the MaxWorth app →

22 5x → ≈ 3% back Choice stays only

Choice Privileges Mastercard

Wells Fargo

Choice Hotels

Annual fee

Welcome bonus

60,000 bonus points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Choice Hotels	5x	3%
Gas	3x	1.8%
Groceries	3x	1.8%
Home Improvement	3x	1.8%
Internet / Cable / Phone	3x	1.8%
Everything else	1x	0.6%

Benefits · $0/yr face value

Status & Elite Perks (1)

Choice Privileges Gold Status

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

23 3% back

Citi Prestige

Citi

Hotels

Annual fee

$495

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	5%	5%
Flights	5%	5%
Hotels	3%	3%
Cruise	3%	3%
Everything else	1%	1%

Benefits · $2,050/yr face value

Credits (3)

Fourth Night Free $800 /yr
$250 Annual Travel Credit $250 /yr
Global Entry/TSA PreCheck Credit $100 /yr

Status & Elite Perks (1)

Priority Pass Select $100 /yr

Protections (1)

Cell Phone Protection $800 /yr

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

24 3% back

Citi Strata Premier

Citi

Hotels

Annual fee

$95

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Flights	3%	3%
Hotels	3%	3%
Dining	3%	3%
Groceries	3%	3%
Gas	3%	3%
Everything else	1%	1%
EV Charging	3x	0%

Benefits · $2,600/yr face value

Credits (1)

Annual Hotel Benefit $100 /yr

Protections (4)

Trip Cancellation/Interruption Insurance $1,000 /yr
Lost or Damaged Luggage Insurance $1,000 /yr
Trip Delay Insurance $500 /yr
MasterRental Coverage

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

25 7x → ≈ 2.8% back Hilton stays only

Amex Hilton Express

American Express

Hilton

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hilton	7x	2.8%
Groceries	5x	2%
Dining	5x	2%
Gas	5x	2%
Everything else	3x	1.2%

Benefits · $10/yr face value

Status & Elite Perks (1)

Hilton Honors Silver Status $10 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

26 2x → ≈ 2.6% back

Chase Southwest Performance Business

Chase

Hotels

Annual fee

$299

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Southwest	4x	5.2%
Gas	2x	2.6%
Dining	2x	2.6%
Transit	2x	2.6%
Hotels	2x	2.6%
Everything else	1x	1.3%

Benefits · $677/yr face value

Credits (9)

10,000 Companion Pass Qualifying Points Boost $130 /yr
$120 Global Entry/TSA PreCheck Credit $120
$10 Monthly Instacart Credit $120 /monthly
$120 Complimentary DashPass $120 /yr
9,000 Anniversary Points $117 /yr
$10 DoorDash Quarterly Credit $40 /quarterly
$30 Complimentary Instacart+ Membership $30 /yr
Inflight Purchase Discount
Tier Qualifying Points

Status & Elite Perks (2)

Free First Checked Bag
Preferred Seating & Priority Boarding

Protections (5)

Auto Rental Coverage
Purchase Protection
Extended Warranty Protection
Lost Luggage Reimbursement
Baggage Delay Insurance

Redemption progress, reset dates and expiry alerts for all 16 benefits — track them automatically in the MaxWorth app →

27 2x → ≈ 2.6% back

Chase United Explorer

Chase

Hotels

Annual fee

$150

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
United	3x	3.9%
Dining	2x	2.6%
Hotels	2x	2.6%
Everything else	1x	1.3%

Benefits · $910/yr face value

Credits (7)

Global Entry/TSA PreCheck Credit $120
$10 Monthly Instacart Credit $120 /monthly
Up to $100 United Hotels Credits $100 /yr
$100 United Travel Credit $100 /yr
Up to $100 JSX Credits $100 /yr
$5 Monthly Rideshare Credit $60 /monthly
Up to $50 Avis/Budget Credits $50 /yr

Status & Elite Perks (3)

Free First Checked Bag $160 /yr
2 United Club One-Time Passes $100 /yr
United Priority Boarding

Other (2)

25% Back on United Purchases
10,000-Mile Award Flight Discount

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

28 5x → ≈ 2.5% back IHG stays only

Chase IHG Select

Chase

IHG

Annual fee

$49

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
IHG	5x	2.5%
Dining	2x	1%
Gas	2x	1%
Groceries	2x	1%
Everything else	1x	0.5%

Benefits · $400/yr face value

Credits (2)

Anniversary Free Night Certificate $200 /yr
10% Point Rebate on Redemptions $50 /yr

Status & Elite Perks (1)

Platinum Elite Status $150 /yr

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

29 5x → ≈ 2.5% back IHG stays only

Chase IHG Traveler

Chase

IHG

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
IHG	5x	2.5%
Dining	3x	1.5%
Gas	3x	1.5%
Internet / Cable / Phone	3x	1.5%
Streaming	3x	1.5%
Everything else	2x	1%

Benefits · $23,800/yr face value

Credits (2)

Annual Spend Bonus $10,000 /yr
Redeem 3 Nights Get 4th Free

Status & Elite Perks (2)

Automatic Silver Elite Status
Gold Elite Status Upgrade

Protections (4)

Trip Cancellation and Interruption Insurance $10,000 /yr
Lost Luggage Reimbursement $3,000 /yr
Purchase Protection $500 /yr
Baggage Delay Insurance $300 /yr

Other (2)

Points Purchase Discount
Early Access Reward Night Sales

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

30 3x → ≈ 2.1% back Marriott stays only

Chase Marriott Bonvoy Bold

Chase

Marriott

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	3x	2.1%
DoorDash	2x	1.4%
Groceries	2x	1.4%
Internet / Cable / Phone	2x	1.4%
Transit	2x	1.4%
Streaming	2x	1.4%
Everything else	1x	0.7%

Benefits · $910/yr face value

Credits (3)

Pay Yourself Back $750 /yr
Complimentary DashPass $120 /yr
Earn Up to $10 Off Quarterly on DoorDash Non-Restaurant Orders $40 /quarterly

Status & Elite Perks (2)

5 Elite Night Credits
Automatic Silver Elite Status

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

31 2% back

MGM Rewards Iconic World Elite

First National Bank of Omaha

Hotels

Annual fee

$249

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Mgm Resorts	6%	6%
Hotels	2%	2%
Dining	2%	2%
Gas	2%	2%
Groceries	2%	2%
Everything else	1%	1%

Benefits · $430/yr face value

Credits (2)

$200 Annual Resort Credit $200 /yr
Global Entry/TSA PreCheck Credit $30

Status & Elite Perks (2)

MGM Pearl Elite Status $50 /yr
Priority Pass Membership $50 /yr

Protections (1)

Trip Cancellation & Delay Insurance $100 /yr

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

How we rank

Rankings are generated from the MaxWorth database at build time. Point multipliers are converted to true cash-back value using program-level point valuations (a 4x rate in 1.4¢ points ranks as 5.6%). Issuer-portal-exclusive rates are excluded; single-brand rates are included but flagged. No card pays to be here. Content is not reviewed or endorsed by any issuer — full disclaimer.

FAQ

Are hotel points worth less than airline miles?

Generally yes — most hotel currencies run 0.4-0.9¢ per point versus 1-1.5¢ for transferable bank points. That’s why a 14x hotel rate can be worth less than a 4x bank-points rate.