Which Credit Card Should You Use At Hotels?

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I’m often asked by readers which credit card they should be using to maximize points for a given hotel stay. Typically recommending which credit card is best for a particular bonus category (like dining) is easy. The added wrinkle with making this recommendation for hotel stays is that you don’t just have to consider which credit cards generally offers the best bonus categories for travel, but you also have to consider whether the hotel brand you’re staying at has a co-branded credit card that offers bonus points for stays at that specific brand.

In this post I wanted to look at the most rewarding credit cards for hotel spend in general (regardless of the brand you’re staying at), and then compare that to the bonuses on hotel spend offered by specific co-branded credit cards.