Credit card benefit guide
How to use credit card hotel credits
Updated July 13, 2026
Quick answer: To use a hotel credit, book through the exact portal, hotel collection, or participating property named in your card terms, meet any stay requirements, and pay with the eligible card. Compare the all-in price before booking. This guide covers 13 cards with a hotel or resort credit.
Hotel credits can look interchangeable while using very different rules. One may require an issuer travel portal, another a specific luxury collection, and another a participating resort. Compare the all-in booking price before treating the face value as savings.
How to use Hotel credits
- 1
Identify the eligible booking channel
Confirm whether the stay must be booked through an issuer portal, a named hotel collection, or directly with a participating property.
- 2
Check property and stay requirements
Review eligible brands, minimum stays, prepaid-rate rules, and whether the stay must be completed before the benefit deadline.
- 3
Compare the total price
Compare the required channel with the hotel’s direct price, taxes, cancellation policy, and loyalty earnings.
- 4
Pay with the eligible card
Use the card tied to the benefit and keep the booking confirmation and final folio.
- 5
Confirm the credit before the reset
Monitor the statement and track semiannual, calendar-year, or cardmember-year deadlines separately.
Which cards include Hotel credits?
This guide covers 13 cards with Hotel credits.
American Express
Business Platinum Card
$895 annual fee
Hotel Credit
Up to $300$300 semi-annually for Fine Hotels + Resorts or The Hotel Collection bookings ($600/year total).
American Express
Delta SkyMiles Gold Card
$150 annual fee
Delta Stays Credit
Up to $100Up to $100 per year in statement credits for Delta Stays bookings.
American Express
Delta SkyMiles Platinum Card
$350 annual fee
Delta Stays Credit
Up to $150Up to $150 per year in statement credits for Delta Stays bookings.
American Express
Delta SkyMiles Reserve Business Card
$650 annual fee
Delta Stays Credit
Up to $250Up to $250 per year in statement credits for Delta Stays bookings.
American Express
Delta SkyMiles Reserve Card
$650 annual fee
Delta Stays Credit
Up to $200Up to $200 per year in statement credits for Delta Stays bookings.
American Express
American Express Gold Card
$325 annual fee
Hotel Credit
Up to $100Up to $100 per year in statement credits for hotel bookings made through Amex Travel.
American Express
Hilton Honors Aspire Card
$550 annual fee
Hilton Resort Credit
Up to $200Up to $400 per year in statement credits at participating Hilton Resorts ($200 semi-annually).
American Express
Platinum Card
$895 annual fee
Hotel Credit
Up to $300$300 semi-annually for Fine Hotels + Resorts or The Hotel Collection bookings ($600/year total)
Cardless
Bilt Palladium Card
$495 annual fee
Hotel Travel Credit
Up to $200$200 semi-annually in statement credits for hotel bookings ($400/year).
Chase
Sapphire Preferred
$95 annual fee
Annual Hotel Credit
Up to $50$50 annual hotel credit for bookings made through Chase Travel.
Chase
Sapphire Reserve for Business
$795 annual fee
The Edit Hotel Credit
Up to $500Up to $500 per year in credits for luxury hotel stays through The Edit by Chase.
Citi
Strata Elite Card
$595 annual fee
Hotel Credit
Up to $300Up to $300 per year in statement credits for hotel bookings on cititravel.com (2+ nights).
Citi
Strata Premier Card
$95 annual fee
Annual Hotel Savings Benefit
Up to $100$100 annual hotel savings on bookings of $500 or more through the Citi ThankYou travel portal.
What should you watch for?
Face value is not always real savings
A portal rate can be higher than a direct rate. Compare the final cost after the credit with the booking you would otherwise make.
Booking and stay deadlines can differ
Some benefits care about the transaction date while others require the stay to occur within the benefit period.
Loyalty benefits may change by channel
Third-party or issuer-portal bookings may earn different hotel points, elite credit, or on-property benefits.
Frequently asked questions
How do credit card hotel credits work?
An eligible hotel charge triggers a statement credit up to the card’s limit. The required booking channel, property list, minimum stay, payment timing, and reset period vary by card.
Which cards have hotel or resort credits?
This guide covers 13 cards with a hotel or resort credit, including American Express Business Platinum Card, American Express Delta SkyMiles Gold Card, American Express Delta SkyMiles Platinum Card, American Express Delta SkyMiles Reserve Business Card, and 9 more. Check the issuer terms for the card you hold because enrollment, purchase, and reset rules differ.
Do hotel credits require portal bookings?
Many do, but not all. Some apply only through an issuer portal or luxury hotel collection, while resort credits may require direct charges at participating properties.
Is a hotel credit always worth its face value?
Compare the required booking price with the option you would otherwise choose. Taxes, cancellation rules, and lost loyalty earnings can reduce the value below the amount printed on the benefit.
Benefit information is educational and may change. Enrollment, merchant coding, purchase eligibility, and reset rules are controlled by the issuer. Verify current terms before relying on a credit.
Keep the next deadline visible
Add your cards and record benefit usage manually on Free. With Pro, the browser extension can import issuer-reported activity for supported cards after you sign in on the issuer website and remind you before eligible benefits reset.
More benefit guides
How to use Resy credits
Learn how Resy credits work, which cards include them, where to use them, and when each card resets.
How to use Global Entry, TSA PreCheck, and CLEAR credits
Compare credit cards with Global Entry, TSA PreCheck, NEXUS, or CLEAR credits, then follow the application and reimbursement steps.
How to use airline fee credits
Learn which cards include airline incidental credits, what purchases may qualify, and how to track selected-airline and calendar-year rules.
How to use Uber, Lyft, and rideshare credits
Learn how card-linked Uber, Lyft, and rideshare credits work, which cards include them, and how to avoid missing monthly value.