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Hotel Co-Branded Cards

Free-night certificate math and honest status-credit valuation for frequent guests of each chain.

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Add up to 4 cards, then open the side-by-side grid. Sorted by ClearValue Score — never by commission.

1
Chase
Worth considering
79
/100
Annual fee
$95
Ongoing APR
Variable*
Foreign txn fee
None
Best for

Hyatt guests who value per-point redemption — an annual Category 1–4 free-night certificate that often exceeds the $95 f

Fees sourced from issuer terms · 2026-07-08

ClearValue Score · how we rate →

Chase

The World of Hyatt Credit Card

Hyatt guests who value per-point redemption — an annual Category 1–4 free-night certificate that often exceeds the $95 f

Key specs

Annual fee
$95
Ongoing APR
Variable APR — verify current range at chase.com
Foreign transaction fee
None

Pros

  • Hyatt guests who value per-point redemption — an annual Category 1–4 free-night certificate that often exceeds the $95 fee at mid-tier properties, automatic Discoverist status, 5 elite-night credits, and 4x at Hyatt plus 2x on dining, flights, and local transit.

Trade-offs

  • Travelers loyal to larger chains (Marriott and Hilton have far more properties) and anyone subject to Chase's 5/24 rule who's opened five-plus cards in 24 months — Chase typically won't approve them.

The catch

Hyatt's footprint is smaller than Marriott's or Hilton's, so the free night is only valuable if a Category 1–4 Hyatt is where you actually stay. A second free night is available, but only after $15,000 of calendar-year spend.

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Reviewed by ClearValue Editorial Team ·
2
Chase
Worth considering
76
/100
Annual fee
$99
Ongoing APR
20.99–27.99%
Foreign txn fee
None
Best for

IHG loyalists (Holiday Inn, Crowne Plaza, Kimpton, InterContinental, Six Senses) who use the annual free-night certifica

Fees sourced from issuer terms · 2026-06-29

ClearValue Score · how we rate →

Chase

IHG One Rewards Premier

IHG loyalists (Holiday Inn, Crowne Plaza, Kimpton, InterContinental, Six Senses) who use the annual free-night certifica

Key specs

Annual fee
$99
Ongoing APR
20.99% – 27.99% variable
Foreign transaction fee
None
Balance transfer fee
$5 or 5%
Late payment fee
Up to $40

Pros

  • IHG loyalists (Holiday Inn, Crowne Plaza, Kimpton, InterContinental, Six Senses) who use the annual free-night certificate at a $200+/night property — single-handedly clears the AF + automatic Platinum Elite status.

Trade-offs

  • Hilton or Marriott loyalists (the IHG free-night is capped at 40k points, which limits redemption to mid-tier properties post-2025 award-chart shifts) and travelers who don't reliably use the free-night certificate within 12 months.

The catch

Like Marriott Bonvoy Boundless, IHG's free-night-cert math depends on which property you actually use it at. Run the cert against your last 12 months of stays before counting it as a $200 offset.

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3
American Express
Worth considering
75
/100
Annual fee
$150
Ongoing APR
20.74–29.99%
Foreign txn fee
None
Best for

Hilton loyalists who stay 8+ nights a year and value the automatic Hilton Gold status (mid-tier) + 12x earning on Hilton

Fees sourced from issuer terms · 2026-06-29

ClearValue Score · how we rate →

American Express

Hilton Honors Surpass

Hilton loyalists who stay 8+ nights a year and value the automatic Hilton Gold status (mid-tier) + 12x earning on Hilton

Key specs

Annual fee
$150
Ongoing APR
20.74% – 29.99% variable (Pay Over Time)
Foreign transaction fee
None
Late payment fee
Up to $40

Pros

  • Hilton loyalists who stay 8+ nights a year and value the automatic Hilton Gold status (mid-tier) + 12x earning on Hilton stays + annual free-night certificate after $15k of spend.

Trade-offs

  • Anyone whose Hilton stays don't hit 8 nights/yr at properties where Gold-status perks matter, and travelers who prefer Hyatt's stronger redemption-per-point ratio.

The catch

The $200/year quarterly Hilton resort credit ($50/qtr) and the $15k-spend free-night cert are the load-bearing AF math. If you can't reliably spend $15k on the card to unlock the cert, the $150 AF eats most of the value.

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4
Chase
Worth considering
75
/100
Annual fee
$95
Ongoing APR
20.99–27.99%
Foreign txn fee
None
Best for

Marriott guests who stay 5+ nights a year and want the annual free-night certificate (up to 35k points) — when redeemed

Fees sourced from issuer terms · 2026-06-29

ClearValue Score · how we rate →

Chase

Marriott Bonvoy Boundless

Marriott guests who stay 5+ nights a year and want the annual free-night certificate (up to 35k points) — when redeemed

Key specs

Annual fee
$95
Ongoing APR
20.99% – 27.99% variable
Foreign transaction fee
None
Balance transfer fee
$5 or 5%
Late payment fee
Up to $40

Pros

  • Marriott guests who stay 5+ nights a year and want the annual free-night certificate (up to 35k points) — when redeemed at a $200+/night Marriott property, the cert alone clears the $95 AF.

Trade-offs

  • Anyone who can't reliably use the free-night certificate within its 12-month window (most certificates expire unused, which is the data point honest reviewers skip) and travelers who prefer Hyatt's redemption math.

The catch

Marriott devalued its award chart in 2024 — properties that were 35k in 2023 are now 40-60k. The free-night cert is capped at 35k, which means it now redeems for fewer canonical sweet-spot stays than the marketing promises. Verify your target property's current rate before counting the cert toward AF math.

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5
American Express
Worth considering
74
/100
Annual fee
$550
Ongoing APR
Variable*
Foreign txn fee
None
Best for

Frequent Hilton guests who will fully use the credits — automatic top-tier Hilton Diamond status, up to $400 in annual H

Fees sourced from issuer terms · 2026-07-08

ClearValue Score · how we rate →

American Express

Hilton Honors American Express Aspire

Frequent Hilton guests who will fully use the credits — automatic top-tier Hilton Diamond status, up to $400 in annual H

Key specs

Annual fee
$550
Ongoing APR
Variable APR — verify current range at americanexpress.com
Foreign transaction fee
None

Pros

  • Frequent Hilton guests who will fully use the credits — automatic top-tier Hilton Diamond status, up to $400 in annual Hilton resort credits ($200 semi-annually), a $200 annual flight credit, an annual free-night certificate, and 14x points at Hilton properties.

Trade-offs

  • Occasional Hilton stayers and anyone who won't reliably capture the credits — at $550 a year, the card only pencils out if the resort credits, flight credit, and free night get used consistently.

The catch

This is a $550 coupon-book card. The value is real but conditional: you need to spend at Hilton resorts and on flights to unlock the $400 + $200 credits, and redeem the free night annually. Score it on realistic credit capture, not stated max value.

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6
American Express
Worth considering
74
/100
Annual fee
$250
Ongoing APR
Variable*
Foreign txn fee
None
Best for

Regular Marriott guests who want mid-tier elite perks — automatic Marriott Gold Elite status, 15 elite-night credits, a

Fees sourced from issuer terms · 2026-07-08

ClearValue Score · how we rate →

American Express

Marriott Bonvoy Bevy American Express

Regular Marriott guests who want mid-tier elite perks — automatic Marriott Gold Elite status, 15 elite-night credits, a

Key specs

Annual fee
$250
Ongoing APR
Variable APR — verify current range at americanexpress.com
Foreign transaction fee
None

Pros

  • Regular Marriott guests who want mid-tier elite perks — automatic Marriott Gold Elite status, 15 elite-night credits, a $25 quarterly dining credit, 6x at Marriott properties and 4x at restaurants, plus an annual free-night certificate worth up to 50,000 points.

Trade-offs

  • Light Marriott guests who won't hit the spend threshold — and cost-conscious travelers who'd rather take the Marriott Bonvoy Boundless at $95/yr, which grants a free night (up to 35K points) automatically without a spend requirement.

The catch

Unlike the Boundless, the Bevy's free-night certificate isn't automatic — it requires $15,000 of calendar-year spend to earn. Miss that threshold and you lose the single benefit most likely to justify the $250 fee.

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Reviewed by ClearValue Editorial Team ·

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