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Best Hotel Credit Cards In Canada For November 2024

Contributor

Updated: Nov 7, 2024, 7:21am

Courtney Reilly-Larke
editor

Fact Checked

Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations.

Even if you only travel on occasion, hotel credit cards can unlock benefits usually reserved for frequent flyers. These perks include generous welcome bonuses, travel discounts, complimentary hotel services and flexible redemption options. Though there aren’t as many hotel branded credit cards available in Canada when compared to the U.S., many airline and, more generally, travel credit cards also have many hotel perks along with their travel benefits, making these credit cards that much more flexible for the Canadian consumer. This is why with so many more choices as to what constitutes a hotel credit card, we’ve ranked the best hotel credit cards in Canada to help you get the most rewards value for every dollar you spend.

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Best Hotel Credit Cards in Canada for November 2024


Scotiabank Gold American Express® Card

Scotiabank Gold American Express® Card
4.9
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

Up to 45,000 Scene+ points

Annual Fee

$120 (waived in the first year)

Regular APR

20.99%

Credit Score:: 700+ Good to Excellent
A credit score isn’t a static number and there are several factors that go into calculating it. The credit bureaus use their own proprietary algorithms and calculate their own credit scores. Equifax uses the Equifax Risk Score, while TransUnion uses the CreditVision Scoring Model. They are provided as guidelines to the issuer, which may take different factors into account, and approval is not guaranteed.
Scotiabank Gold American Express® Card
Apply Now

On Scotiabank's Secure Website

Welcome Bonus

Up to 45,000 Scene+ points

Annual Fee

$120 (waived in the first year)

Regular APR

20.99%

Credit Score:: 700+ Good to Excellent
A credit score isn’t a static number and there are several factors that go into calculating it. The credit bureaus use their own proprietary algorithms and calculate their own credit scores. Equifax uses the Equifax Risk Score, while TransUnion uses the CreditVision Scoring Model. They are provided as guidelines to the issuer, which may take different factors into account, and approval is not guaranteed.
Why We Picked It

The Scotiabank Gold American Express® Card gets the top spot on our list for its accelerated earn rates, generous welcome bonus and flexible redemptions on hotels and travel. It also waives foreign transaction fees when you’re spending abroad (most cards charge 2.5%).

Pros & Cons
  • Earns Scene+ rewards on every purchase
  • No foreign transaction fees
  • Built-in travel insurance
  • American Express perks like Amex Front Of The Line
  • $120 annual fee
  • Amex is not accepted at all locations
Card Details
  • Earn up to $950* in value in the first 12 months, including up to 45,000 bonus Scene+ points
  • Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
  • Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
  • Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.
  • Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more
  • Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming sevices
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
  • No Foreign Transaction Fee
  • Comprehensive Travel Insurance coverage
  • AMEX Offers®
  • AMEX Front of the Line®
  • American Express Invites®
  • Complimentary Concierge Services
  • Rates, fees and other information are effective as of November 1,2024. Subject to change.

American Express Cobalt® Card

American Express Cobalt® Card
4.8
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

Up to 15,000 Membership Rewards Points

Annual Fee

$155.88 ($12.99 per month)

Regular APR

21.99%

American Express Cobalt® Card
Buy Now

On American Express’s Secure Website

Welcome Bonus

Up to 15,000 Membership Rewards Points

Annual Fee

$155.88 ($12.99 per month)

Regular APR

21.99%

Why We Picked It

The American Express Cobalt Card has earned the titles of both best grocery credit card  and best travel credit card,  so it’s no surprise it’s a top hotel card, too. Among its benefits are a large welcome bonus, points that are easily transferable to frequent flyer and hotel programs at a 1:1 ratio and substantial travel insurance coverage.

Pros & Cons
  • Exclusive benefits at over 600 hotels and resorts.
  • Transfer points to frequent flyer and hotel programs.
  • High annual fee of $155.88 ($12.99 per month)
  • No insurance for trip cancellations or interruptions.
Card Details
  • In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets
  • Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
  • Earn 3X the points on eligible streaming subscriptions in Canada
  • Earn 2X the points on eligible ride shares, transit & gas in Canada
  • Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
  • Earn 1X point for every $1 in Card purchases everywhere else
  • Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
  • Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex ExperiencesTM
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment

Marriott Bonvoy™ Business American Express® Card

Marriott Bonvoy™ Business American Express® Card
4.6
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

60,000 Marriott Bonvoy® points

Annual Fee

$150

Regular APR

21.99%

Marriott Bonvoy™ Business American Express® Card
Apply Now

On American Express's Secure Website

Welcome Bonus

60,000 Marriott Bonvoy® points

Annual Fee

$150

Regular APR

21.99%

Why We Picked It

If you travel frequently for business, the Marriott Bonvoy Business American Express cardcomes with automatic Gold Elite Status and extra bonus categories for fuel, dining and travel purchases.

Pros & Cons
  • Automatic Gold Elite Status
  • No blackout dates and points never expire
  • $150 annual fee (no first-year rebate)
  • Only options for travel-related point redemptions
Card Details
  • Earn 60,000 welcome bonus Marriott Bonvoy® points
  • Earn 60,000 Welcome Bonus Marriott Bonvoy® points after you spend $5,000 on your Card in your first three months of Cardmembership.
  • Earn Marriott Bonvoy points that you can redeem in a variety of ways:
    • Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy hotels
    • Earn 3 points for every $1 spent on eligible gas, dining and travel after your welcome offer ends, or the cap is reached.
    • Earn 2 points for every $1 spent on everything else
  • Redeem points for free nights with no blackout dates at over 7,000 of some of the world’s most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world’s leading airlines
  • Make the most out of a full suite of business management tools that give you more control over your business—anytime and anywhere
  • Leverage your cash flow with the option of carrying a balance or paying in full each month
  • Control employee expenses plus track and accumulate points on your account with Supplementary Cards, so you have an opportunity to maximize the points you earn
  • Experience the exclusive benefits of the Marriott Bonvoy® Business American Express®* Card
  • Receive an Annual Free Night Award automatically each year after your anniversary
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
  • Upgrade to Gold Elite status after you charge $30,000 in net purchases to your Card each year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment

The Marriott Bonvoy® American Express®* Card

The Marriott Bonvoy® American Express®* Card
4.4
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

50,000 Marriott Bonvoy® points

Annual Fee

$120

Regular APR (Purchases)

21.99%

The Marriott Bonvoy® American Express®* Card
Apply Now

On American Express’s Secure Website

Welcome Bonus

50,000 Marriott Bonvoy® points

Annual Fee

$120

Regular APR (Purchases)

21.99%

Why We Picked It

The Marriott Bonvoy American Express Cardoffers annual credits and no blackout dates. However, this card mostly stands out for hotel rewards that can be redeemed at over 7,000 Marriott Bonvoy locations.

Pros & Cons
  • 15 Elite Night credits each calendar year
  • Earn bonus points as a Marriott Bonvoy Member
  • Travel medical insurance is not included
  • No annual fee waiver for new cardholders
Card Details
  • New Marriott Bonvoy® American Express®* Cardmembers earn 50,000 Marriott Bonvoy® points after you charge $1,500 in purchases to your card in your first three months of Cardmembership. Subject to change at any time
  • Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®
  • Earn 2 points for every $1 in all other Card purchases
  • Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
  • No annual fee on Additional Cards
  • Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels
    Automatic Marriott Bonvoy Silver Elite status membership
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
  • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

Scotiabank Passport® Visa Infinite* Card 

Scotiabank Passport® Visa Infinite* Card 
4.3
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

Up to 35,000 Scene+ Points

Annual Fee

$150

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

Scotiabank Passport® Visa Infinite* Card 
Apply Now

Via Scotiabank's Secure Website

Welcome Bonus

Up to 35,000 Scene+ Points

Annual Fee

$150

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

Why We Picked It

The Scotiabank Passport Visa Infinite Card offers premium hotel perks and travel benefits in addition to no foreign transaction fees on purchases made online or outside of Canada.

Pros & Cons
  • Automatic room upgrades and free Wi-Fi.
  • No foreign transaction fees.
  • Lower earn rates compared to other cards.
  • $60,000 personal income requirement.
Card Details
  • Earn up to $1,100* in value in the first 12 months, including up to 35,000 bonus Scene+ points
  • Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
  • Earn 2x Scene+ points for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways taxis and more)
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
  • No Foreign Transaction Fee
  • 6 Complimentary Airport Lounge Access
  • Comprehensive Travel Insurance coverage
  • Visa Infinite* Concierge Services
  • Visa Infinite* Hotel Collection
  • Visa Infinite* Dining and Wine Country program

American Express® Gold Rewards Card

American Express® Gold Rewards Card
4.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

Up to 60,000 Membership Rewards points

Annual Fee

$250

Regular APR

21.99%

American Express® Gold Rewards Card
Apply Now

On American Express's Secure Website

Welcome Bonus

Up to 60,000 Membership Rewards points

Annual Fee

$250

Regular APR

21.99%

Why We Picked It

With a high earning potential and annual travel credits, the only thing holding American Express Gold Rewards Card back from ranking higher on this list is its hefty $250 annual fee.

Pros & Cons
  • $100 annual travel credit
  • Earn bonus points on eligible hotels and car rentals
  • $250 annual fee
  • Free lounge passes are limited
Card Details
  • Earn up to 60,000 Membership Rewards® points:
  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
  • This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation
  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
  • The Card is now available in your choice of Gold or Rose Gold metal options
  • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card
  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
  • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used
  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
  • Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details
  • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

CIBC Aventura Visa Infinite Privilege

CIBC Aventura Visa Infinite Privilege
4.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

80,000 Aventura Points

Annual Fee

$499

Regular APR

20.99%

CIBC Aventura Visa Infinite Privilege

Welcome Bonus

80,000 Aventura Points

Annual Fee

$499

Regular APR

20.99%

Why We Picked It

This card offers exceptional travel benefits, but the high income requirements and annual fees bring down the card’s overall earning potential. That said, it’s only good for those who spend and travel more than the average Canadian.

Learn more: Read our CIBC Aventura Visa Infinite Privilege Card Review

Pros & Cons
  • 80,000 Aventura Points as a sign-up bonus.
  • $200 annual travel credit.
  • High annual fee of $499.
  • $150,000 personal income requirement.
Card Details
  • Get 50,000 Aventure Points for spending $3,000 in the first four months and 30,000 points as an anniversary bonus.
  • Earn 3 points per dollar on travel purchases through the CIBC Rewards Centre.
  • Earn 2 points per dollar on dining, entertainment, transportation, gas and groceries.
  • Earn 1.25 points per dollar on everyday purchases.
  • Save up to 10 cents per litre with Journie Rewards.
  • Access benefits on luxury hotels, dining, transportation services and business class bookings.
  • 6 complimentary passes per year for over 1,200 airport lounges.
  • $200 annual travel credit.
  • Based on average Canadian spending, Forbes Advisor estimates this card could have $384.50 in annual hotel rewards value. When you factor in the $499 annual fee, that’s -$114.50 in value.
  • Travel insurance covers trip cancellations and interruptions, common carrier accidents, flight and baggage delays, auto collision loss and damage, emergency medical care and hotel burglary.

TD First Class Travel® Visa Infinite* Card

TD First Class Travel® Visa Infinite* Card
4.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

Up to $1,000 in value†, including up to 135,000 TD Rewards Points†

Annual Fee

$139 (rebated the first year)†

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

TD First Class Travel® Visa Infinite* Card
Apply Now

On TD's Secure Website

Welcome Bonus

Up to $1,000 in value†, including up to 135,000 TD Rewards Points†

Annual Fee

$139 (rebated the first year)†

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

Why We Picked It

Think of the TD First Class Travel Visa Infinite Card as a cheaper step down from its higher-flying cousins on this list. Packed with travel benefits, but lacking a heavyweight rewards program, this card is really aimed at frequent fliers rather than high spenders who also like to travel.

Pros & Cons
  • High earn rate for rewards with Expedia.
  • Exclusive travel benefits.
  • Expensive annual fee.
  • Low annual net rewards earnings for average spenders.
Card Details
  • Earn up to $1,000 in value†, including up to 135,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by January 6, 2025.
    • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
    • Earn 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
    • Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
    • Get an annual TD Travel Creditof $100 when you book at Expedia® For TD.
    • Get an Annual Fee Rebate for the first year†.
  • To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your first Additional Cardholders by January 6, 2025.
  • This offer is not available for residents of Quebec.
  • † Terms and conditions apply.

RBC Avion Visa Infinite

RBC Avion Visa Infinite
4.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

Up to 55,000 Avion points*

Annual Fee

$120

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

Credit Score: 680+ – Good to Excellent
A credit score isn’t a static number and there are several factors that go into calculating it. The credit bureaus use their own proprietary algorithms and calculate their own credit scores. Equifax uses the Equifax Risk Score, while TransUnion uses the CreditVision Scoring Model. They are provided as guidelines to the issuer, which may take different factors into account, and approval is not guaranteed.
RBC Avion Visa Infinite
Apply Now

On RBC's Secure Website

Welcome Bonus

Up to 55,000 Avion points*

Annual Fee

$120

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

Credit Score: 680+ – Good to Excellent
A credit score isn’t a static number and there are several factors that go into calculating it. The credit bureaus use their own proprietary algorithms and calculate their own credit scores. Equifax uses the Equifax Risk Score, while TransUnion uses the CreditVision Scoring Model. They are provided as guidelines to the issuer, which may take different factors into account, and approval is not guaranteed.
Why We Picked It

Even though the RBC Avion Visa Infinite has limited earning potential, it offers multiple redemption options on travel, merchandise and statement credits.

Pros & Cons
  • No blackout periods or seat restrictions.
  • Extensive travel insurance.
  • Limited earning potential.
  • Poor return outside of airline partners.
Card Details
  • Get up to 55,000 Avion points* (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean!
  • Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
  • Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
  • Avioners earn points that never expire so your points will be waiting for your next adventure.
  • Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and
  • Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
  • Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
  • Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
  • Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
  • Get access to RBC offers which provides access to earn points faster at specified brands
  • Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
  • Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
  • Avioners no longer need 14-days to book travel using the RBC grid
  •  Get $0 delivery fees for 12 months from DoorDash^
    Add your eligible RBC credit card to your DoorDash account to:

    • Get a 12-month complimentary DashPass subscription± – a value of almost $120
    • Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
  • Get $0 delivery fees for 12 months from DoorDash – Add your eligible RBC credit card to your DoorDash account to:
    • Get a 12-month complimentary DashPass subscription – a value of almost $120
    • Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
  • **, ^, ± Terms and conditions apply

The Platinum Card®

The Platinum Card®
3.5
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

Up to 140,000 bonus Membership Rewards points

Regular APR

30% due in full or 21.99% (flexible payment option)†

Credit Score Description (score range)

Good/Excellent

The Platinum Card®
Apply Now

On American Express's Secure Website

Welcome Bonus

Up to 140,000 bonus Membership Rewards points

Regular APR

30% due in full or 21.99% (flexible payment option)†

Credit Score Description (score range)

Good/Excellent

Why We Picked It

For a steep annual fee, the American Express Platinum Card offers exclusive access to hotel loyalty programs and benefits that offer an average value of $600 at over 1,500 participating hotels and resorts. However, for average spending, this card fee does cancel out its earning potential, so it’s best used only by big spenders and those who can seriously benefit from its travel perks.

Related: How the AMEX Platinum Card Improves My Travel Experience

Pros & Cons
  • Fast-tracked status with multiple hotel loyalty programs
  • No pre-set spending limit
  • $799 annual fee (no first-year rebate)
  • Must pay statements in full to get lower interest rates
Card Details
  • Unlock special experiences with the Platinum Card®
  • Earn up to 140,000 Membership Rewards® points – that’s up to $1,400 towards a weekend away. Offer ends Jan 28, 2025
  • New Platinum® Cardmembers, earn 100,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership. Offer ends Jan 28, 2025
  • Plus, earn 40,000 points when you make a purchase between 14 and 17 months of Cardmembership. Offer ends Jan 28, 2025
  • Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
  • Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service
  • Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
  • Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
  • Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
  • Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Enjoy complimentary benefits that offer an average value of $600 USD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts
  • Platinum Cardmembers can enjoy access to special events and unique opportunities
  • Enjoy premium benefits at the Toronto Pearson Airport
  • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
  • Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment

Here’s a Summary of The Best Hotel Cards


Credit Card Best for Credit Score Annual Fee Welcome Bonus
Scotiabank Gold American Express Card Flexible hotel rewards Very Good/Excellent $120 40,000 Scene+ Points
American Express Cobalt® Card Transferring points Fair/Good $155.88 ($12.99 per month) Up to 15,000 Membership Rewards points
Marriott Bonvoy® Business American Express®* Card Business travel Good/Excellent $150 60,000 Marriott Bonvoy Points
Marriott Bonvoy® American Express®* Card Hotel credits Good/Excellent $120 50,000 Marriott Bonvoy Points
Scotiabank Passport® Visa Infinite* Card Foreign transactions Good/Very Good $150 Up to 35,000 Scene+ Points
American Express® Gold Rewards Card Bonus points Fair/Good $250 Up to 60,000 Membership Points
CIBC Aventura Visa Infinite Privilege Travel credits Very Good/Exceptional $499 80,000 Aventura Points
TD First Class Travel® Visa Infinite* Card Earning potential Good/Excellent $139 (fee rebated in the first year) Up to $1,000 in value†, including up to 135,000 TD Rewards Points† (terms apply)
RBC Avion Visa Infinite Redemption options Poor/Okay $120 Up to 35,000 Avion Points
The Platinum Card® Luxury hotel benefits Very Good/Exceptional $799 Up to 140,000 Membership Points

Methodology

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With cash back, the scoring model used takes into account factors such as, but not limited to, cash back rates and categories, fees, welcome bonus, and other rewards and features. Keep in mind what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.


Best Hotel Credit Cards in Canada

Scotiabank Gold American Express Card

The Scotiabank Gold American Express Card offers high earn rates for those who spend a lot on groceries, dining, entertainment and fuel.

Rewards: Get 6 points per dollar at select grocery stores, 5 points per dollar on other groceries, dining, food delivery and entertainment purchases, 3 points per dollar on fuel, transportation and streaming services and 1 point per dollar on all other purchases.

Welcome Offer: 40,000 Scene+ points (Earn 20,000 points by making at least $1,000 in the first three months, get 20,000 points when you spend at least $7,500 in your first year). Must open card by Dec 31, 2023 to qualify.

Annual Fee: $120

Other Benefits and Drawbacks: This card includes flexible rewards on hotel and travel purchases with no blackout dates or foreign transaction fees. Accelerated earn rates will drop to 1 point per dollar for all bonus categories after reaching the $50,000 annual spending limit.

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American Express Cobalt® Card

The American Express Cobalt® Card can maximize the earning potential on everyday purchases to claim extra travel benefits and hotel credits.

Rewards: Earn 5 Membership Rewards per dollar spent on groceries (up to $30,000 annually), 3 Membership Rewards points per dollar spent on eligible streaming subscriptions in Canada, 2 Membership Rewards points per dollar spent on rideshares, transit and gas in Canada 1 Membership Rewards point per dollar spent on all other eligible purchases and 1 additional Membership Rewards point for every dollar spent on eligible hotel or car rental bookings made with American Express Travel.

Welcome Offer: Earn 1,250 Membership Rewards® points for each monthly billing period in which $750 in net purchases is spent on the card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets

Annual Fee: $155.88 ($12.99 per month)

Other Benefits and Drawbacks: Cardmembers will receive a one-category room upgrade and a hotel credit worth up to $100 for one room per stay. While the elevated earn rates help offset the high annual fee, they are only available on purchases in Canada.

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Marriott Bonvoy® Business American Express®* Card

The Marriott Bonvoy® Business American Express®* Card is a solid business card for travel rewards with versatile points and no blackout periods.

Rewards: Get 5 points per dollar at Marriott Bonvoy hotels, 3 points per dollar on gas, dining and travel and 2 point per dollar on everything else.

Welcome Offer: Earn 60,000 Welcome Bonus Marriott Bonvoy® points after you spend $5,000 on your card in your first 3 months of card membership.

Annual Fee: $150

Other Benefits and Drawbacks: This card’s annual free hotel stay and Elite Night credits can quickly recoup the annual fee. Some airlines even off a 3:1 ratio on point transfers. The value of points fluctuates with demand, so you may need more points to book trips during peak season.

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The Marriott Bonvoy® American Express®* Card

The Marriott Bonvoy® American Express®* Card is an excellent option for travellers who frequently stay at Marriott hotels and resorts.

Rewards: Collect 5 points per dollar on eligible purchases at Marriott Bonvoy Hotels and 2 points per dollar on everyday purchases.

Welcome Offer: Earn 50,000 Membership Rewards points after you charge $1,500 in purchases to your card in your first three months of cardmembership. Subject to change at any time.

Annual Fee: $120

Other Benefits and Drawbacks: Additional perks include complimentary Marriott Silver Elite Status, hotel credits and special events access. There is no coverage for medical care or flight cancellations, so you will need to pay extra for this while travelling.

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Scotiabank Passport® Visa Infinite* Card

The Scotiabank Passport® Visa Infinite* Card is a convenient way for international travellers to save on foreign currency exchange fees.

Rewards: Earn 3 points for every dollar at eligible grocery stores and 2 points for every dollar on dining, entertainment, daily transit and purchases at other grocery stores.

Welcome Offer: Claim 25,000 Scene+ Points on $1,000 in eligible purchases during the first three months and 10,000 bonus points for spending $40,000 during the first year.

Annual Fee: $150

Other Benefits and Drawbacks: Domestic travellers will likely earn better rewards with other premium hotel credit cards. For those who travel abroad, the money saved with no foreign transaction fees can cover the cost of the annual fee in just a couple of trips.

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American Express® Gold Rewards Card

The American Express® Gold Rewards Card makes it easy to earn rewards on everyday purchases and convert points for travel perks and credits.

Rewards: Collect 2 points per dollar on hotels, flights, car rentals, travel, fuel, groceries and drugstore purchases and 1 point per dollar on all other purchases.

Welcome Offer: Get up to 60,000 Membership Rewards® points; New cardmembers earn 5,000 Membership Rewards® points in each monthly billing period after spending $1,000 in net purchases on the card, this could add up to 60,000 points in a year. That’s up to $600 towards the next vacation.

Annual Fee: $250

Other Benefits and Drawbacks: Beyond the lucrative welcome offer, this card offers a $100 annual travel credit. Staying two consecutive nights at eligible hotels also earns a $100 credit for amenities and a room upgrade. The rewards value is high, but there are other hotel cards with better earn rates.

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CIBC Aventura Visa Infinite Privilege

The CIBC Aventura Visa Infinite Privilege Card is best suited for active Aventura points collectors who qualify for the income requirements.

Rewards: Earn 3 points per dollar on travel, 2 points per dollar on dining, entertainment, transportation, gas and groceries and 1.25 points per dollar on everyday purchases.

Welcome Offer: Collect 50,000 Aventure Points for $3,000 in eligible spending during the first four months and 30,000 points as an anniversary bonus.

Annual Fee: $499

Other Benefits and Drawbacks: The initial bonus is high for a premium card, in addition to offering free lounge passes and a $200 annual travel credit. Cardholders will have to use all of the available perks to make the annual fee and income requirements worth it.

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TD First Class Travel® Visa Infinite* Card

The TD First Class Travel Visa Infinite Card is ideal for those who want multiple redemption options for flights, hotels, gift cards and statement credits.

Rewards: Earn 8 TD Rewards Points † for every dollar you spend when you book travel through Expedia® For TD. Earn 6 TD Rewards Points†  for every dollar you spend on groceries and restaurants. Earn 4 TD Rewards Points† for every dollar you spend on regularly recurring bill payments set up on your account. Plus, earn 2 TD Rewards Points† For every dollar you spend on other purchases made using your card. Also earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.

Welcome Offer: Earn up to $1,000 in value†, including up to 135,000 TD Rewards Points, no annual fee for the first year† and additional travel benefits.
Conditions apply. Account must be approved by January 6, 2025. Not available for residents of Quebec.

Annual Fee: $139 (Get an annual fee rebate in the first year, account must be approved by January 6, 2025)

Other Benefits and Drawbacks: This card has extensive insurance and a strong return on travel purchases booked through Expedia. However, point values drop on other redemption options.

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RBC Avion Visa Infinite

The RBC Avion Visa Infinite Card is a low-maintenance card for casual travellers who prefer flexible redemption options.

Rewards: Collect 1 Avion point per dollar, plus an extra 25% on eligible travel purchases.

Welcome Offer:  Get 35,000 Welcome Points on approval. Apply by January 21, 2024.

Other Benefits and Drawbacks: This card earns points at a much lower rate than other hotel credit cards. However, members can convert points during a transfer bonus to get more value with loyalty programs, including WestJet dollars and Hudson’s Bay Rewards.

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The Platinum Card®

The Platinum Card® from American Express offers excellent value for frequent travellers with high spending.

Rewards: Earn 2 Membership Rewards Points per dollar spent on food delivery and dining in Canada, 2 Membership Rewards Points per dollar spent on eligible travel purchases, 1 Membership Rewards Point per dollar spent on all other eligible purchases; Earn 1 additional Membership Rewards Point per dollar spent on eligible car and hotel purchases made with American Express Travel.

Welcome Offer: New Platinum® cardmembers earn 100,000 welcome bonus points after charging $10,000 in net purchases to the card in the first 3 months of cardmembership. Plus, earn 40,000 points after making a purchase between 14 and 17 months of cardmembership. Offer ends Jan 28, 2025.

Annual Fee: $799

Other Benefits and Drawbacks: The bulk of this card’s value lies in its automatic upgrades, premium travel benefits and complimentary hotel services. Although, this card is only worth it if every dollar you spend makes its way back into your pocket, including the $799 annual fee.

Data research and analysis by Tia Duncombe and Debra Toews.


What are Hotel Rewards?

Simply put, many major hotel chains have loyalty programs to entice repeat customers. Most of those loyalty programs have an affiliated credit card—just like how you can have an Optimum Points card and a PC Financial Mastercard that earns them, too. By spending with your “hotel” card, some of which are broader travel reward programs that offer hotel perks, you can earn points and perks at that hotel chain or travel program.


How Do Hotel Credit Cards Work?

There is quite a bit of overlap between the best hotel credit cards in Canada and the best travel reward credit cards, simply because they both offer rewards pertaining to travel—and of course, a hotel stay is part of that experience. While every program is different, both rewards cards earn points that are redeemable for travel expenses, including hotel stays. Hotel credit cards often offer a favourable redemption rate for hotels, meaning that you can redeem your points for great value at a selection of hotels affiliated with the brand. For example, with a hypothetical reward program, 100 points could translate to $1 in gift card or airfare value, but $1.50 at a select hotel chain.


Main Benefits of Hotel Credit Cards

Every hotel credit card differs, but there are a few benefits that seem to be a throughline in the category. Often, the types of benefits hotel credit cards can offer include:

  • Increased points earnings: Hotel loyalty credit cards will often offer you more points per dollar when you spend at the associated hotel chain.
  • Status upgrades: Often, hotel loyalty programs will have a tiered structure indicating member status. Each tier usually brings a bump in perks that can range from room upgrades to free breakfast. Some hotel cards offer ways for you to quickly move up in tiers, while others offer an automatic bump in status for getting the card and/or spending a certain amount per year.
  • Annual free award night: Many hotel credit cards will offer you a free stay once per year as a reward.
  • Travel insurance coverage: Many hotel credit cards are tailored to travellers (or overlap with a travel rewards card). Naturally, travel insurance coverage is included in this, and can range from emergency medical and common carrier insurance, to hotel/motel burglary insurance, trip delay and cancellation, and lost or delayed baggage.
  • Airport lounge access: Many hotel credit cards offer airport lounge access, with a number of free or discounted visits per year.

What are Credit Card Hotel Points?

Credit card hotel points are similar to most credit card reward points—you’ll earn them on most (if not all) your purchases, and often at a higher rate per dollar spent in a particular category. They can be redeemed in a variety of ways. With hotel credit card points in particular, they can usually be earned at a more favourable rate when spending at that hotel chain in particular, and can be redeemed there too. Most can also be transferred to other loyalty or frequent flyer programs, some at a 1:1 ratio.


Major Hotel Loyalty Programs

Two well-known hotel loyalty programs are Marriott Bonvoy and Hilton Honours.

Marriott Bonvoy

Marriott Bonvoy is the loyalty program for Marriott Hotels, which include The Ritz Carlton, JW Marriott, Sheraton, Delta Hotels, Westin, Four Points and more. The program can be joined for free, but is also included with certain co-branded credit cards (including business cards) that earn even more Marriott points.

All members of this program get discounted rates on hotels, free Wi-Fi and points toward free nights. Those who stay at the hotels under this brand’s umbrella can eventually earn elite status, meaning they get even more benefits like late checkout, free breakfast and more.

You earn points either through hotel stays or credit card spending. Once you earn enough points, you can redeem them for free award nights, travel packages, flights, merchandise, gift cards and car rentals. You can also transfer points to airline partners.

Hilton Honours

Hilton Honors is the Hilton hotel chain’s loyalty program, which includes hotels like Hampton, Embassy Suites and Doubletree. Like Marriott Bonvoy, you can sign up for free or through a co-branded credit card to start earning points, though they don’t currently offer a credit card in Canada. You earn points by spending at Hilton hotels, with partners or by spending on your Hilton co-branded credit card.

Once you are a member, you can begin to level up to different tiers of membership, achieving Silver, Gold or Diamond status. With just a membership, you get perks like free Wi-Fi and a discounted rate. Even Silver members get their fifth hotel night free, and the perks increase with each tier of membership, eventually including things like executive lounge access and room upgrades.


How to Pick the Right Hotel Credit Card

Choosing a Hotel

The first step in choosing a hotel credit card is determining which hotel brand would work best with where you want to travel, or travel most often. Many hotel brands are chains that have thousands of locations worldwide, so if you tend to travel more broadly, those brands might be more beneficial to your needs.

What is a sign-up bonus?

Some cards offer sign-up bonuses for new cardholders. Often, these offers mean earning a number of points just for signing up or spending a certain amount within a period of time. Many often waive the annual fee as well.

What is an earning rate?

An earning rate is the number of points you earn per dollar spent on the card. These earning rates can vary by spending category. With hotel cards, they typically earn you more points at the specified hotel chain or partner brands.

Other Benefits

Other benefits, like award nights, travel insurance, lounge access and status upgrades are common among hotel cards.

Related: Best credit cards to have in Canada


Who Should Get a Hotel Credit Card?

If you’re a frequent traveller who has a preference for a particular hotel brand (or chain of hotels), you should consider a hotel credit card to meet your needs, earn points and offer perks.


How To Maximize Hotel Credit Cards

If you’re planning to do a lot of travelling, you might want to maximize your hotel credit card to get the most value. This would involve earning points at a solid rate, as well as getting as many free award nights and upgrades as possible.

If you want a card that gives you free nights faster, choose the Marriott Bonvoy® American Express®* Card, since you’ll get one free award night per year. You’ll also get 15 Elite Night Credits each calendar year that can help you achieve elite status faster. The business version of this card, Marriott Bonvoy™ Business American Express® Card, has the same offer, too.

That said, it might be better to pick a card that aligns well with your spending habits, as that will earn you the most points in the long run.


Frequently Asked Questions (FAQs)

Which American Express card is best for hotels?

The American Express Platinum Card is the best option for luxury hotel benefits like automatic room upgrades, late check-out and free amenities unique to each property.

Is it better to book a hotel with a credit card?

Most hotels require a credit card on file for cancellations and damages. Using a credit card to book a hotel can also earn rewards and discounts.

What credit score do you need for a hotel credit card?

Credit scores between 660 and 900 are generally considered good, very good or excellent. Some hotel credit cards will accept scores starting at 600, while others require scores over 740.

Which credit card gives discounts on hotels?

The Marriott Bonvoy® American Express®* Card automatically gives you Marriott Bonvoy Silver Elite status, giving you access to member rates, among other perks.


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