By Hotel credits are some of the biggest on any card, but most come with conditions: booking through the bank’s travel site, a prepaid rate, a minimum stay or a specific hotel brand.
| Card | Annual fee | Credits | Up to a year |
|---|---|---|---|
| Sapphire Reserve Chase | $795 | The Edit Hotel Credit $500/yr Select Chase Travel Hotels Credit (2026 only) $250/yr Ends Dec 2026 | $750 |
| Sapphire Reserve Business Chase | $795 | The Edit Hotel Credit $500/yr Select Chase Travel Hotels Credit (2026 only) $250/yr Ends Dec 2026 | $750 |
| Platinum American Express | $895 | Hotel Credit (FHR / The Hotel Collection) $300/6 mo | $600 |
| Platinum for Charles Schwab Charles Schwab · American Express | $895 | Hotel Credit (FHR / The Hotel Collection) $300/6 mo | $600 |
| Platinum for Morgan Stanley Morgan Stanley · American Express | $895 | Hotel Credit (FHR / The Hotel Collection) $300/6 mo | $600 |
| Business Platinum American Express | $895 | Hotel Credit (FHR / The Hotel Collection) $300/6 mo | $600 |
| Venture Capital One | $95 | Capital One Travel Stays Credit $100/yr Welcome Offer Stays Credit (limited time) $300/yr | $400 |
| Bilt Palladium Bilt · Cardless | $495 | Bilt Travel Hotel Credit $200/6 mo Activate | $400 |
| Hilton Honors Aspire Hilton · American Express | $550 | Hilton Resort Credit $200/6 mo | $400 |
| Strata Elite Citi | $595 | Annual Hotel Benefit (Citi Travel) $300/yr | $300 |
| Delta SkyMiles Reserve Business Delta · American Express | $650 | Delta Stays Credit $250/yr | $250 |
| Delta SkyMiles Platinum Business Delta · American Express | $350 | Delta Stays Credit $200/yr | $200 |
| Delta SkyMiles Reserve Delta · American Express | $650 | Delta Stays Credit $200/yr | $200 |
| United Club United · Chase | $695 | Renowned Hotels and Resorts Credit $200/yr | $200 |
| United Club Business United · Chase | $695 | Renowned Hotels and Resorts Credit $200/yr | $200 |
| Delta SkyMiles Gold Business Delta · American Express | $150 | Delta Stays Credit $150/yr | $150 |
| Delta SkyMiles Platinum Delta · American Express | $350 | Delta Stays Credit $150/yr | $150 |
| United Quest United · Chase | $350 | Renowned Hotels and Resorts Credit $150/yr | $150 |
| Sapphire Preferred Chase | $95 | Chase Travel Hotel Credit $100/yr | $100 |
| Strata Premier Citi | $95 | Annual Hotel Benefit (Citi Travel) $100/yr | $100 |
| Bilt Obsidian Bilt · Cardless | $95 | Bilt Travel Hotel Credit $50/6 mo Activate | $100 |
| Delta SkyMiles Gold Delta · American Express | $150 | Delta Stays Credit $100/yr | $100 |
| United Explorer United · Chase | $150 | United Hotels Credit $100/yr | $100 |
| United Business United · Chase | $150 | United Hotels Credit $100/yr | $100 |
| Wyndham Rewards Earner Premier Wyndham · Barclays | $395 | Wyndham Hotel Credit $100/yr | $100 |
| Disney Inspire Visa Disney · Chase | $149 | Resort & Cruise Bonus (200 Disney Rewards Dollars) value varies | — |
| AAdvantage Executive American Airlines · Citi | $695 | Omni Hotels Free Night Award value varies Activate | — |
“Up to a year” adds up the cash value of the listed credits if you use every one in full. Credits you unlock by spending aren’t counted.
Before you count on these
- Read the booking rule first: most only count prepaid stays booked through the bank’s own travel site.
- Compare the price with booking direct: a credit on a more expensive booking may not save you anything.
- Some reset every six months; the January–June half is gone on July 1.
Premium Finance, our free app, tracks these credits on the cards you hold and reminds you before each one runs out. Open the app.