Credit cards with hotel and resort credits
15 cards · 16 credits · about $4,300 a year combined
Hotel credits are the most commonly wasted perk on a premium card, because most of them only apply to a specific booking channel or a specific brand's properties. Below is every card in our catalog carrying a hotel or resort statement credit, ranked by what it's worth over a year, with a link to the page each figure was checked against.
Chase Sapphire Reserve$795 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| The Edit by Chase Travel hotel creditRequires prepaid Pay Now stays of 2+ nights booked through The Edit by Chase Travel. As of 1/1/2026 the credit is fully flexible across the calendar year. Credits can take 6-8 weeks to post. issuer page → | $500/yr | Posts automatically |
| Select hotel brands credit (IHG/Pendry/Omni/Montage/Virgin/Minor/Pan Pacific)One-time credit available through 12/31/2026 only. Requires prepaid 2+ night stay via Chase Travel at IHG, Montage, Pendry, Omni, Virgin, Minor, or Pan Pacific. issuer page → | $250/yr | Posts automatically |
$750 a year on this card.
Amex PlatinumThe Platinum Card from American Express · $895 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Hotel Credit (Fine Hotels + Resorts / The Hotel Collection)Refreshed for 2026. issuer page → | $600/yr | Posts automatically |
$600 a year on this card.
Amex Business PlatinumThe Business Platinum Card from American Express · $895 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Hotel Credit (FHR / THC)Statement credits on prepaid Fine Hotels + Resorts or The Hotel Collection bookings (2+ nights for THC) via Amex Travel; $300 each half of the calendar year since the Sept 2025 refresh. issuer page → | $600/yr | Posts automatically |
$600 a year on this card.
Bilt Palladium$495 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Bilt Travel Portal hotel creditMinimum 2-night stay. Toggle at booking. issuer page → | $400/yr | You have to use it |
$400 a year on this card.
Amex Hilton AspireHilton Honors American Express Aspire Card · $550 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Hilton Resort CreditParticipating Hilton Resorts. issuer page → | $400/yr | Posts automatically |
$400 a year on this card.
Citi Strata EliteCiti Strata Elite Credit Card · $495 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Annual Hotel BenefitRequires 2+ night stay booked via cititravel.com. issuer page → | $300/yr | You have to use it |
$300 a year on this card.
Chase Sapphire Reserve BusinessChase Sapphire Reserve for Business · $795 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Select Hotel Credit (Chase Travel)Statement credit on select hotel brand bookings via Chase Travel. issuer page → | $250/yr | Posts automatically |
$250 a year on this card.
Chase United ClubUnited Club Card · $695 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Renowned Hotels & Resorts CreditStatement credit on Renowned Hotels & Resorts bookings. issuer page → | $200/yr | Posts automatically |
$200 a year on this card.
Chase United Club BusinessUnited Club Business Card · $695 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Renowned Hotels & Resorts CreditStatement credit on prepaid Renowned Hotels & Resorts bookings. issuer page → | $200/yr | Posts automatically |
$200 a year on this card.
Chase United QuestUnited Quest Card · $350 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Renowned Hotels & Resorts CreditStatement credit on prepaid Renowned Hotels & Resorts bookings. issuer page → | $150/yr | Posts automatically |
$150 a year on this card.
Citi Strata Premier$95 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Annual hotel credit$100 off a single hotel stay of $500+ booked through Citi Travel. issuer page → | $100/yr | You have to use it |
$100 a year on this card.
Cardless Bilt ObsidianBilt Obsidian · $95 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Bilt Travel Hotel CreditMinimum 2-night stay. Booked via Bilt Travel Portal. issuer page → | $100/yr | You have to use it |
$100 a year on this card.
Chase United ExplorerUnited Explorer Card · $150 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| United Hotels CreditStatement credits on prepaid hotel stays booked directly through United Hotels. issuer page → | $100/yr | You have to use it |
$100 a year on this card.
Chase United BusinessUnited Business Card · $150 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| United Hotels Credit$50 back on the 1st and 2nd prepaid hotel stays booked directly through United Hotels each anniversary year. issuer page → | $100/yr | You have to use it |
$100 a year on this card.
Chase Sapphire Preferred$95 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| $50 anniversary hotel creditAuto-applied against the first $50 in hotel purchases booked through Chase Travel each cardmember year. issuer page → | $50/yr | Posts automatically |
$50 a year on this card.
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