Luxury hotels are perfect for those who desire special treatment when they travel. Large hotel chains can offer pristine grounds, exciting experiences, and loads of amenities at thousands of properties around the world.

Many luxury hotel chains have their own branded credit cards that let customers earn rewards, special benefits, or VIP status. These cards can take a stay at your favorite property to the next level.

Here are five hotel-branded credit cards for loyal guests who crave luxury.

1. Starwood Preferred Guest Credit Card from American Express

Rewards: Up to five points per dollar spent at participating Starwood hotels; two points per dollar spent at participating Marriott Rewards hotels; and one point per dollar spent on other purchases.
Sign-Up Bonus:25,000 bonus points if you spend $3,000 in the first three months.
Annual Fee:$0 the first year, then $95.
Annual Percentage Rate (APR):Variable 16.24% to 20.24% APR on purchases, as well as on balance transfers made within 60 days of opening your account.
Why We Picked It:Loyal Starwood and Marriott guests earn rewards for hotel stays and get many special perks.
Benefits:All eligible purchases earn points, with eligible Marriott purchases earning two points per dollar and eligible Starwood purchases earning up to five points on the dollar. Points are redeemable for flights, experiences, and more, including free nights at luxury Starwood properties such as St. Regis, The Luxury Collection, and W Hotels. Your eligible stays go toward earning Starwood Preferred Guest (SPG) elite status, which may grant point bonuses, late checkouts, room upgrades, and other perks. You'll also enjoy free internet access at participating hotels, and the card has foreign transaction fees.
Drawbacks: Although Starwood and Marriott have merged, their rewards programs are still separate. You can transfer points between them, but you'll have to maintain two accounts to earn full membership rewards at both hotels.

2. Ritz-Carlton Rewards Credit Card

Rewards: Five points per dollar spent at participating Ritz-Carlton Rewards and SPG hotels; two points per dollar spent on dining, car rentals, and flights purchased directly from the airline; and one point per dollar spent on other purchases.
Sign-Up Bonus:Two free nights at any eligible tier 1–4 Ritz-Carlton property if you spend $4,000 in the first three months.
Annual Fee:$450
APR:Variable 16.99% to 23.99% APR on purchases and balance transfers.
Why We Picked It:Cardholders can earn points in many ways and receive an annual travel credit.
Benefits:All qualifying purchases earn points, with extra points for eligible hotel stays, flights, car rentals, and dining. Points can be redeemed for travel expenses including Ritz-Carlton stays. An annual $300 travel credit can be used for baggage fees, flight upgrades, airport lounge access, and more. The card also offers $100 in savings on eligible airline tickets, a $100 credit toward Global Entry applications, and access to over 900 worldwide airport lounges. At Ritz-Carlton hotels, cardholders can enjoy Gold Elite status for the first year, a $100 hotel credit for stays of two nights or more, and three annual Ritz-Carlton Club Level upgrades for stays of seven nights or more. Additionally, there are no foreign transaction fees, making it easy to take your card abroad on your next vacation.
Drawbacks: There's a steep $450 annual fee.

3. Marriott Rewards Premier Credit Card

Rewards: Five points per dollar spent at participating SPG and Marriott Rewards hotels; two points per dollar spent on airline tickets purchased directly from the airline, car rentals, and dining; and one point per dollar spent on other purchases.
Sign-Up Bonus:80,000 bonus points if you spend $3,000 on purchases within three months.
Annual Fee:$85
APR:Variable 16.99% to 23.99% APR on purchases and balance transfers.
Why We Picked It: A free night's stay every year, a big sign-up bonus, and a variety of ways to earn points make this card valuable for Marriott loyalists.
Benefits:All purchases earn rewards, but eligible hotel stays, airline tickets, car rentals, and dining can earn you extra. Points can be redeemed for travel, merchandise, gift cards, and more. You'll get an annual free night's stay in a participating category 1–5 hotel after your account anniversary, and your card is guaranteed to earn you Silver Elite status every year. There are also no foreign transaction fees.
Drawbacks: The greatest value is reserved for frequent Marriott guests.

4. Hilton Honors Surpass Card from American Express

Rewards: 12 points per dollar spent at participating Hilton properties; six points per dollar spent at restaurants, supermarkets, and gas stations in the US; and three points per dollar spent on other purchases.
Sign-Up Bonus:100,000 bonus points if you spend $3,000 in the first three months.
Annual Fee:$75
APR:Variable 16.24% to 20.24% APR on purchases, as well as on balance transfers requested within the first 60 days of opening your account.
Why We Picked It: Hilton's credit card boasts a moderate annual fee and an impressive points program.
Benefits:Like other hotel cards, Hilton's card earns extra points for eligible hotel stays and select purchase categories. What's unique is that even everyday purchases at gas stations, grocery stores, and restaurants earn triple points on the dollar. Using your card to book online and pay for a Hilton stay will land you a 500-point bonus. You'll automatically earn Hilton Honors Gold status, and you'll be bumped up to Diamond status if you spend $40,000 in a calendar year.
Drawbacks: All foreign transactions are charged 2.7% of the purchase amount.

5. The Hyatt Credit Card

Rewards: Three points per dollar spent at participating Hyatt hotels; two points per dollar spent on dining, car rentals, and flights purchased directly with the airline; and one point per dollar spent on other purchases.
Sign-Up Bonus:40,000 bonus points if you spend $2,000 in the first three months.
Annual Fee:$75
APR:Variable 16.99% to 23.99% APR on purchases and balance transfers.
Why We Picked It:Cardholders earn points for a wide range of purchases and get an annual free night after their cardmember anniversary.
Benefits:You'll get triple points at Hyatt, double points on select purchase types, and one point elsewhere. Points can be redeemed for free stays and upgrades, room service, spa treatments, and other rewards. Plus, you'll receive an annual free night at any category 1–4 hotel or resort after your first account anniversary. There are no foreign transaction fees.
Drawbacks:The card's best value is limited to frequent Hyatt guests.

How to Choose a Hotel Rewards Credit Card

If you're fiercely loyal to one hotel chain, start by finding out if that chain offers a credit card. Hotel cards will likely offer perks like room upgrades, point rewards, and special benefits that you can use anytime you travel to an eligible property.

Don't jump on your favorite hotel's credit card without evaluating the competition, though. Hotel-branded credit cards reserve their best value for those who spend a lot of time at eligible properties. And with point-transfer programs, you might even have the ability to transfer points from other cards at a one-to-one value to your hotel or airline of choice.

If you're an agnostic traveler who stays at many different hotel chains, a general travel credit card may be a better choice. These cards offer a variety of ways to redeem points for travel and aren't tied down to any specific company.

Make sure to also check the fees and APR. Travel rewards are great, but fees and interest can cut into the value, so try to pick a card that makes good financial sense.

What Credit Is Required for a Hotel Rewards Credit Card?

Cards that offer epic hotel rewards often require excellent credit. You should be confident in your chances of approval before you apply, because a hard credit inquiry from a credit card application can lower your credit score a few points. You can check two of your credit reports for free at Credit.com.

Note: It's important to remember that interest rates, fees, and terms for credit cards, loans, and other financial products frequently change. As a result, rates, fees, and terms for credit cards, loans, and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees, and terms with credit card issuers, banks, or other financial institutions directly.