How do I get the most value from hotel points?

Redeem for nights at higher-end properties where the cash rate is high relative to the points cost, and use perks like room upgrades, late checkout and property credits. Watch for foreign transaction fees on overseas bookings.

Hotel credit cards

Dreaming of staying in some of the world's most luxurious hotels? Make your everyday spending reward you. Compare hotel credit cards for stronger savings and rewards.

Earn points toward free nights and upgrades
Programs like Fine Hotels + Resorts and Visa Luxury Hotel Collection
Elite status and travel credits on premium cards

Written by Andrew BoydReviewed by Vidhu Bajaj and David Boyd

Featured

American Express Platinum Business Card

6 reviews

350,000 bonus Membership Rewards points
Complimentary international travel insurance

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How many points could you earn?

Enter your monthly spend to see estimated annual points for each card below.

Compare 10 hotel credit cards

Credit card comparison table with rates, fees, rewards and apply links.
Card	Name and rating	Rewards program	Earn rate	Sign-up bonus	Annual fee	Est. points / yr
	American Express Platinum Card 16 reviews	American Express Membership Rewards	2.25 pts per $1Uncapped	200,000 pts	$1,450	281,000 ptsWorth $2,810	60 second approval
	American Express Platinum Business Card 6 reviews	American Express Membership Rewards	2.25 pts per $1Uncapped	350,000 pts	$1,750	431,000 ptsWorth $4,310	60 second approval
	NAB Rewards Business Signature Card	NAB Rewards	1.25 pts per $1Uncapped	200,000 pts	$175	245,000 ptsWorth $2,450	60 second approval
	NAB Rewards Platinum Card	NAB Rewards	1 pt per $1Capped	100,000 pts	$195	136,000 ptsWorth $1,360	60 second approval
	NAB Rewards Signature Card	NAB Rewards	1.5 pts per $1Capped	110,000 pts	$420	164,000 ptsWorth $1,640	60 second approval
	American Express Explorer Credit Card 5 reviews	American Express Membership Rewards	2 pts per $1Uncapped	75,000 pts	$395	147,000 ptsWorth $1,470	60 second approval
Virgin MoneyPlatinum •••• •••• •••• •••• Credit Card CompareVisa	Virgin Money Anytime Rewards Credit Card	Virgin Money Rewards	1 pt per $1Uncapped	60,000 pts	$149	96,000 ptsWorth $960	Application
	American Express Business Gold Plus Card 2 reviews	American Express Membership Rewards	1.5 pts per $1Uncapped	200,000 pts	$395	254,000 ptsWorth $2,540	60 second approval
	American Express Essential Rewards Credit Card	American Express Membership Rewards	1 pt per $1Uncapped	30,000 pts	$108	66,000 ptsWorth $660	60 second approval
	American Express Platinum Edge Credit Card 18 reviews	American Express Membership Rewards	1 pt per $1Uncapped	—	$0	36,000 ptsWorth $360	60 second approval

Hotel by the numbers

Cards compared

2.25 pts per $1

Top earn rate

147,222 pts

Average sign-up bonus

$3,500

Highest-value sign-up bonus

American Express Platinum Business Card

$504

Average annual fee

What are hotel credit cards?

Hotel credit cards offer rewards and perks tailored to travellers who prefer hotels. They earn points or miles you can redeem for free nights, room upgrades and complimentary amenities, often within a chain like Marriott or Hilton.

An example

Say you're a frequent business traveller using a Hilton Honors American Express card. Your everyday expenses (flights, meals, even taxi rides) all earn points. By the time your annual conference rolls around, you've earned enough for a free five-night stay in an executive suite.

Hotel rewards options in Australia

Some American Express cards give a travel credit for hotel bookings. Platinum Card members can book through Fine Hotels + Resorts for benefits like room upgrades on arrival, daily breakfast for two, 4 PM checkout and a property credit.

Amex Membership Rewards points transfer to hotel programs like Marriott Bonvoy. Qantas Points and Velocity Points can both be used for hotel stays through their travel sites. And Visa Platinum and Signature cardholders can access the Visa Luxury Hotel Collection, with benefits like best-rate guarantees, room upgrades on arrival and complimentary Wi-Fi.

Hotel credit card FAQs

There's no direct co-branded hotel card like the US Marriott or Hilton cards. Instead, you earn points on a rewards card (such as Amex Membership Rewards) and transfer them to a hotel program like Marriott Bonvoy.

Questions and answers

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Related card types

Credit cards with airport lounge access Credit cards with free travel insurance Credit cards with no international fees Frequent flyer credit cards Priority Pass credit cards Qantas Points credit cards

Sources

Credit Card Compare: Australian credit card statistics
Programs: ALL – Accor Live LimitlessHilton HonorsIHG One RewardsMarriott Bonvoy