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Hotel Reward Credit Cards

Page updated: 4th of March 2019

This page contains a comprehensive and regularly updated guide to the credit cards offering hotel rewards.

Cards featured here include:

If you wish to check your credit score before applying for any of the cards listed, Experian lets you view your credit score for free every month.

Top Tip

The Curve Card offers an excellent, cost effective way to spend on a Visa or Mastercard reward credit card abroad. Rather than the card being charge in the local currency resulting in a ~3% transaction fee, purchases made in foreign currencies using Curve are charge to your card in pound stirling at the Mastercard wholesale exchange rate with curve adding a lower 1% transaction fee (ie. 1p per £1 spend). Since some of the card listed have a points per pound spend value above 1p, spending abroad with curve can still result in a net gain. More information about the Curve Card can be found here.

It should be noted that by discussing credit and charge cards on this site, we are in effect, acting as a credit broker. Canis Media Ltd, trading as Expert with Points, is authorised and regulated by the Financial Conduct Authority (FCA FRN 792662) to act as a credit broker.

This is a journalistic website, as such, we merely describe different travel related credit card options available to you; it is your responsibility to determine whether these products are suitable for your financial circumstances. Nothing on Expert with Points should be seen as constituting financial advice. Recommendations given, for any financial products, are based on the benefits and perks they offer.


IHG Rewards Club Premium Credit Card

IHG Rewards Club Premium Credit Card

  • Impressive 20,000 points signup bonus
  • Earn 2 points for every £1 you spend in the UK
  • 4 points for every £1 you spend in an IHG location in the UK
  • Platinum Elite status when you open your account
  • A free night voucher which you can choose to use at one of over 5,000 IHG hotels worldwide if you spend at least £10,000 every year by your anniversary

Annual fee of £99 per year. Earn rate 2 points per £1 UK spend - Apply

The representative APR is 41.5% variable, based on an annual fee of £99 and assumed credit limit of £1,200. The purchase rate is 19.9% variable.

Sign-up bonus: 20,000 IHG Rewards points when you spend £200 in the first three months of opening your account.

On going perks include: Platinum Elite status, and a free night voucher each card membership year you spend £10,000.

Apply Here

Earning 2 IHG Rewards points per £1 of UK spend, makes this card one of the better non-AMEX issue reward credit cards. Currently IHG Rewards Points are valued at between 0.4 and 0.5p (based on a 50,000 – 60,000 point redemtion at an InterContinetal property in a major city. Spending at UK based IHG properties earns you 4 IHG Reward points per £1. This card also offers an increased rate of 4 points per £1 for foreign spending, however, with a foreign transaction (FX) fee of 3% you would be best using a specialist travel credit card (listed here)

The IHG Rewards Club Premium Credit Card also provides instant Platinum Elite status for as long as you hold the card. Although IHG is less rewarding to Elite status members than other hotel reward schemes, with very few perks guarenteed. Some hotels, most notable Crowne Plaza, do like to give recodnision to Platinum Elite members offering free breakfeast, room upgrades or lounge access amoungst other things.

Spending £10,000 during a card membership year will trigger a free nights voucher valid at any of the IHG Rewards Club properties. Using this voucher at an InterContinetal property can represent a value of £250+. Even when factoring in the £99 card fee this perk still represents a 1.5% return on a yearly spend of £10,000.

Conclusion

The IHG Rewards Club Premium Credit Card is an excellent card for anyone who frequently uses IHG properties. Although IHG hotel status is not typically woth much, when compared to other hotel reward schemes, brands such as Crowne Plaza do tend to reward Platinum Elite members.

All in all this is one of the best non-Amex credit cards currently on the market.

Apply Here

  • This card has a minium annual income of £10,000.
  • 2 points per £1 spend gives an equivelant of a 0.8-1% rebate on your spending (the best non-amex cashback cards only offer 0.5%).
  • Although IHG Rewards Points can be transferred to Avios points, the transfer rate is extremely poor; you would receive far better value exchanging the points for hotel stays.

Conclusion

The IHG Rewards Club Premium Credit Card is an excellent card for anyone who frequently uses IHG properties. Although IHG hotel status is not typically woth much, when compared to other hotel reward schemes, brands such as Crowne Plaza do tend to reward Platinum Elite members.

All in all this is one of the best non-Amex credit cards currently on the market.

Apply Here

IHG Rewards Club Credit Card

IHG Rewards Club Credit Card

  • Impressive 10,000 points signup bonus
  • Earn 1 points for every £1 you spend in the UK
  • 2 points for every £1 you spend in an IHG location in the UK
  • Gold Elite status when you open your account

No Annual Fee. Earn rate 1 points per £1 UK spend - Apply

The representative APR is 18.9% variable, based on an assumed credit limit of £1,200. The purchase rate is 18.9% variable.

Sign-up bonus: 10,000 IHG Rewards points when you spend £200 in the first three months of opening your account.

On going perks include: Gold Elite status

Apply Here

Earning 1 IHG Rewards points per £1 of UK spend, makes this card a standard non-AMEX issue reward credit cards. Currently IHG Rewards Points are valued at between 0.4 and 0.5p (based on a 50,000 – 60,000 point redemtion at an InterContinetal property in a major city. Spending at UK based IHG properties earns you 2 IHG Reward points per £1. This card also offers an increased rate of 2 points per £1 for foreign spending, however, with a foreign transaction (FX) fee of 3% you would be best using a specialist travel credit card (listed here)

The IHG Rewards Club Premium Credit Card also provides instant Gold Elite status for as long as you hold the card. Although IHG is less rewarding to Elite status members than other hotel reward schemes, with very few perks guarenteed. Some hotels, most notable Crowne Plaza, do like to give recodnision to Gold Elite members offering room upgrades amoungst other things.

Conclusion

The IHG Rewards Club Credit Card is an excellent card for anyone who uses IHG properties and does not want to pay for the premium card. Although IHG hotel status is not typically woth much, when compared to other hotel reward schemes, brands such as Crowne Plaza do tend to reward Gold Elite members, albeit bonus points and a potential room upgrade.

All in all this is a pretty standard non-Amex reward credit card.

Apply Here

  • This card has a minium annual income of £10,000.
  • 2 points per £1 spend gives an equivelant of a 0.8-1% rebate on your spending (the best non-amex cashback cards only offer 0.5%).
  • Although IHG Rewards Points can be transferred to Avios points, the transfer rate is extremely poor; you would receive far better value exchanging the points for hotel stays.

Conclusion

The IHG Rewards Club Credit Card is an excellent card for anyone who uses IHG properties and does not want to pay for the premium card. Although IHG hotel status is not typically woth much, when compared to other hotel reward schemes, brands such as Crowne Plaza do tend to reward Gold Elite members, albeit bonus points and a potential room upgrade.

All in all this is a pretty standard non-Amex reward credit card.

Apply Here

AMEX Starwood

The Starwood Preferred Guest® Credit Card from American Express

  • Impressive 33,000 points signup bonus when using the links on this page.
  • Earn 6 points for every £1 you spent of eligible purchases at participating SPG and Marriott properties, 3 points per £1 spend elsewhere.
  • Automatic upgrade to Gold Elite when you spend £15,000 on your Card within a Card anniversary year.
  • Travel Accident cover of up to £150,000 on public transport when tickets are purchased with the Card.
  • Travel inconvenience insurance covering flight cancellations, and delayed baggage when flights are purchased on your Card.

£75 Annual Fee. Earn rate 3 points per £1 spend - Apply

The representative APR is 39.7% variable, based on an assumed credit limit of £1,200 and the £75 annual fee. The purchase rate is 22.9% variable.

Sign-up bonus: 33,000 points points when you spend £1000 in the first three months of opening your account.

On going perks include: Gold Elite status when you spend £15,000 in a card year.

Apply Here

Earn 6 points for every £1 you spent of eligible purchases at participating SPG and Marriott properties, 3 points per £1 spend elsewhere, makes this card the highest earning hotel credit cards. Starwood Preferred Guest is now part of the Marriott Bonvoy loyalty scheme which covers 30 hotels brands including Marriott, Renaissance, Sheraton, Westin, W, Aloft, Luxury Collection etc. The points can be used for a free nights stay or transfered to a number of air mile schemes including Avios at a rate of 3 to 1. The signup bonus alone is worth about 10,300 Avios.

Spend £25,000 per year and you receive a voucher for a free hotel night. However, this can only be used at hotels costing up to 25,000 points

Conclusion

The signup bonus equates to about 10,300 airmiles if transfered or £165 worth of free hotel rooms. Whilst this sounds good, the £75 annual fee does reduce the value. Cancelling the card after earning the bonus for a pro-rata refund of the annual fee can help to reduce these costs. Cancelling after two months, for example, would mean a £62.50 fee refund and a net cost for your bonus miles of only £12.50.

The on going earning rate is good for anyone who frequents Marriott owned hotels.

Apply Here

  • You will receive the bonus even if you already have a British Airways Amex, Amex Gold, Amex Platinum or any other American Express card.
  • The only people who will not receive the bonus are those who have cancelled an SPG Amex in the last six months.
  • The foreign transaction (FX) fee of 3% you would be best using a specialist travel credit card (listed here)

    You will receive a pro-rata fee refund if you cancel.

Conclusion

The signup bonus equates to about 10,300 airmiles if transfered or £165 worth of free hotel rooms. Whilst this sounds good, the £75 annual fee does reduce the value. Cancelling the card after earning the bonus for a pro-rata refund of the annual fee can help to reduce these costs. Cancelling after two months, for example, would mean a £62.50 fee refund and a net cost for your bonus miles of only £12.50.

The on going earning rate is good for anyone who frequents Marriott owned hotels.

Apply Here


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It should be noted that by discussing credit and charge cards on this site, we are in effect, acting as a credit broker. Expert with Points Ltd is authorised and regulated by the Financial Conduct Authority (FCA FRN 792662) to act as a credit broker.

This is a journalistic website, as such, we merely describe different travel related credit card options available to you; it is your responsibility to determine whether these products are suitable for your financial circumstances. Nothing on Expert with Points should be seen as constituting financial advice. Recommendations given, for any financial products, are based on the benefits and perks they offer.

Ross Slater

Dr Ross Slater

Ross is Expert with Points' main contributor. Sharing his knowledge of various travel reward schemes, to help your travelling go further.

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