What are the Best Hotel Credit Cards for Poor Credit?

What are the Best Hotel Credit Cards for Poor Credit?

Having a poor credit score can be a significant obstacle when it comes to getting approved for credit cards. However, that doesn't mean you won't be able to enjoy the perks of hotel credit cards. There are a few hotel credit cards that are suitable for those with poor credit scores. In this article, we'll be discussing the best hotel credit cards for people with poor credit and how to choose the right one for you.

Best Hotel Credit Cards for Poor Credit

1. Hilton Honors American Express Card

The Hilton Honors American Express Card is a great option for those with poor credit. This credit card offers an introductory bonus of 75,000 Hilton Honors points, which can be used for hotel stays. The card also offers 7x points for every dollar spent at Hilton hotels and resorts.

2. IHG Rewards Club Traveler Credit Card

The IHG Rewards Club Traveler Credit Card is another excellent option for people with poor credit scores. This card offers a welcome bonus of 60,000 points, which can be used for hotel stays. The card also offers 15x points for every dollar spent at IHG hotels and resorts.

3. Marriott Bonvoy Bold Credit Card

The Marriott Bonvoy Bold Credit Card is an excellent choice for those with poor credit scores. This card offers a welcome bonus of 30,000 Marriott Bonvoy points, which can be used for hotel stays. The card also offers 3x points for every dollar spent at Marriott Bonvoy hotels and resorts.

How to Choose the Right Hotel Credit Card for You

Before applying for a hotel credit card, there are a few things you need to consider. Here are some tips to help you choose the right hotel credit card for you:

1. Annual Fee: Some hotel credit cards come with an annual fee. Make sure you choose a card with an annual fee that you can afford.

2. Interest Rates: Make sure you choose a card with interest rates that you can afford. If you plan to carry a balance, choose a card with a low-interest rate.

3. Rewards: Choose a card with rewards that match your spending habits. If you frequently stay at a particular hotel chain, choose a card that offers rewards for that chain.

4. Credit Score: Make sure you choose a card that matches your credit score. Applying for cards that require a high credit score can damage your credit score further.

Experience and Tips for Applying for Credit Cards

When applying for credit cards, it's essential to research the cards thoroughly. Make sure you understand the rewards, interest rates, and annual fees. It's also essential to keep track of your spending and pay your bills on time to avoid late fees and damage to your credit score.

One money-saving tip is to take advantage of introductory bonuses. These bonuses can save you money on hotel stays and other expenses.

It's also essential to be aware of the annual fees and rules of the credit card companies. Some cards may charge an annual fee, and some may have restrictions on how you can use your rewards. Make sure you understand these rules before applying for a credit card.

In conclusion, having a poor credit score doesn't mean you can't enjoy the perks of hotel credit cards. The Hilton Honors American Express Card, IHG Rewards Club Traveler Credit Card, and Marriott Bonvoy Bold Credit Card are excellent options for those with poor credit scores. Make sure you consider the annual fee, interest rates, rewards, and credit score before applying for a credit card. Keep track of your spending, pay your bills on time, and take advantage of introductory bonuses to save money.