Card ranking

The best credit cards for Choice Hotels stays.

Top US credit cards ranked by effective return on Choice Privileges stays, multiplier × point value. Cards earning a baseline 1% return (or less) are excluded as uninteresting.

Top 30Updated Jul 20, 2026

1
Chase Sapphire Reserve
Chase · $795/yr · Chase Ultimate Rewards
Via Chase Travel portal · forfeits hotel loyalty points & elite status
Requires booking via issuer travel portal
Effective
20.00%
10x · 2.00¢/pt
Should I get this? Issuer page
2
Chase Sapphire Preferred
Chase · $95/yr · Chase Ultimate Rewards
Via Chase Travel portal · forfeits hotel loyalty points & elite status
Requires booking via issuer travel portal
Effective
10.00%
5x · 2.00¢/pt
Should I get this? Issuer page
3
The Platinum Card from American Express
American Express · $895/yr · Amex Membership Rewards
Via Amex Travel portal · forfeits hotel loyalty points
Requires booking via issuer travel portal
Effective
10.00%
5x · 2.00¢/pt
Should I get this? Issuer page
4
The Business Platinum Card from American Express
American Express · $895/yr · Amex Membership Rewards
Via Amex Travel
Requires booking via issuer travel portal
Effective
10.00%
5x · 2.00¢/pt
Should I get this? Issuer page
5
Capital One Venture X Rewards Credit Card
Capital One · $395/yr · Capital One Miles
Via Capital One Travel portal · forfeits loyalty
Requires booking via issuer travel portal
Effective
10.00%
10x · 1.00¢/pt
Should I get this? Issuer page
6
Capital One SavorOne Cash Rewards Credit Card
Capital One · $0/yr · Cash Back
Via Capital One Travel portal
Requires booking via issuer travel portal
Effective
8.00%
8x · 1.00¢/pt
Should I get this? Issuer page
7
Ink Business Preferred Credit Card
Chase · $95/yr · Chase Ultimate Rewards
First $150K/yr
Effective
6.00%
3x · 2.00¢/pt
Should I get this? Issuer page
8
American Express Business Gold Card
American Express · $375/yr · Amex Membership Rewards
Via Amex Travel
Requires booking via issuer travel portal
Effective
6.00%
3x · 2.00¢/pt
Should I get this? Issuer page
9
Capital One Venture Rewards Credit Card
Capital One · $95/yr · Capital One Miles
Via Capital One Travel portal
Requires booking via issuer travel portal
Effective
5.00%
5x · 1.00¢/pt
Should I get this? Issuer page
10
Capital One VentureOne Rewards Credit Card
Capital One · $0/yr · Capital One Miles
Via Capital One Travel portal
Requires booking via issuer travel portal
Effective
5.00%
5x · 1.00¢/pt
Should I get this? Issuer page
11
Citi Strata Premier Card
Citi · $95/yr · Citi ThankYou Points
Effective
4.80%
3x · 1.60¢/pt
Should I get this? Issuer page
12
U.S. Bank Altitude Reserve Visa Infinite Card
U.S. Bank · $400/yr · US Bank Altitude Points
Via mobile wallet
Effective
4.50%
3x · 1.50¢/pt
Should I get this? Issuer page
13
American Express Gold Card
American Express · $325/yr · Amex Membership Rewards
Via Amex Travel
Requires booking via issuer travel portal
Effective
4.00%
2x · 2.00¢/pt
Should I get this? Issuer page
14
Bilt Obsidian Card
Wells Fargo · $95/yr · Bilt Rewards
Effective
4.00%
2x · 2.00¢/pt
Should I get this? Issuer page
15
Bilt Palladium Card
Wells Fargo · $495/yr · Bilt Rewards
Effective
4.00%
2x · 2.00¢/pt
Should I get this? Issuer page
16
Wells Fargo Autograph Journey Card
Wells Fargo · $95/yr · Wells Fargo Rewards
Effective
4.00%
4x · 1.00¢/pt
Should I get this? Issuer page
17
U.S. Bank Altitude Connect Visa Signature Card
U.S. Bank · $95/yr · US Bank Altitude Points
Hotels and car rentals
Effective
4.00%
4x · 1.00¢/pt
Should I get this? Issuer page
18
Delta SkyMiles Platinum American Express Card
American Express · $350/yr · Delta SkyMiles
Hotels booked direct
Effective
3.60%
3x · 1.20¢/pt
Should I get this? Issuer page
19
Delta SkyMiles Platinum Business American Express Card
American Express · $350/yr · Delta SkyMiles
Hotels booked direct
Effective
3.60%
3x · 1.20¢/pt
Should I get this? Issuer page
20
World of Hyatt Credit Card
Chase · $95/yr · World of Hyatt
Effective
3.40%
2x · 1.70¢/pt
Should I get this? Issuer page
21
Wells Fargo Autograph Card
Wells Fargo · $0/yr · Wells Fargo Rewards
Effective
3.00%
3x · 1.00¢/pt
Should I get this? Issuer page
22
United Explorer Card
Chase · $150/yr · United MileagePlus
Effective
2.60%
2x · 1.30¢/pt
Should I get this? Issuer page
23
United Quest Card
Chase · $350/yr · United MileagePlus
Effective
2.60%
2x · 1.30¢/pt
Should I get this? Issuer page
24
United Club Infinite Card
Chase · $695/yr · United MileagePlus
Effective
2.60%
2x · 1.30¢/pt
Should I get this? Issuer page
25
British Airways Visa Signature Card
Chase · $95/yr · British Airways Avios
Hotels booked direct
Effective
2.60%
2x · 1.30¢/pt
Should I get this? Issuer page
26
Bank of America Premium Rewards Credit Card
Bank of America · $95/yr · BofA Points
Effective
2.00%
2x · 1.00¢/pt
Should I get this? Issuer page
27
Alaska Airlines Visa Signature Credit Card
Bank of America · $95/yr · Alaska Mileage Plan
Effective
1.80%
1x · 1.80¢/pt
Should I get this? Issuer page
28
Wyndham Rewards Earner Plus Card
Barclays · $75/yr · Wyndham Rewards
Effective
1.80%
2x · 0.90¢/pt
Should I get this? Issuer page
29
Marriott Bonvoy Bevy American Express Card
American Express · $250/yr · Marriott Bonvoy
Effective
1.60%
2x · 0.80¢/pt
Should I get this? Issuer page
30
Marriott Bonvoy Brilliant American Express Card
American Express · $650/yr · Marriott Bonvoy
Effective
1.60%
2x · 0.80¢/pt
Should I get this? Issuer page

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Chase Sapphire Reserve

Chase Sapphire Preferred

The Platinum Card from American Express

The Business Platinum Card from American Express

Capital One Venture X Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Ink Business Preferred Credit Card

American Express Business Gold Card

Capital One Venture Rewards Credit Card

Capital One VentureOne Rewards Credit Card

Citi Strata Premier Card

U.S. Bank Altitude Reserve Visa Infinite Card

American Express Gold Card

Bilt Obsidian Card

Bilt Palladium Card

Wells Fargo Autograph Journey Card

U.S. Bank Altitude Connect Visa Signature Card

Delta SkyMiles Platinum American Express Card

Delta SkyMiles Platinum Business American Express Card

World of Hyatt Credit Card

Wells Fargo Autograph Card

United Explorer Card

United Quest Card

United Club Infinite Card

British Airways Visa Signature Card

Bank of America Premium Rewards Credit Card

Alaska Airlines Visa Signature Credit Card

Wyndham Rewards Earner Plus Card

Marriott Bonvoy Bevy American Express Card

Marriott Bonvoy Brilliant American Express Card