Card Optimizer

Best credit card for Choice Hotels

We ranked all 106 cards in Card Optimizer's catalog for a $100 purchase at Choice Hotels on October 19, 2026, by the dollar value of what each earns.

See which of your cards wins at Choice Hotels

Top cards at Choice Hotels

Choice Hotels counts as hotels unless a card has a bonus for the store itself.

  1. Chase Sapphire Reserve

    Top pick6% back · $795 annual fee

    $6.00 on $100

    • 4x points on hotels.
    • 400 Chase Ultimate Rewards points valued at 1.5¢ each.

  2. Chase Sapphire Reserve for Business

    6% back · $795 annual fee

    $6.00 on $100

    • 4x points on hotels.
    • 400 Chase Ultimate Rewards points valued at 1.5¢ each.

  3. Wells Fargo Autograph Journey

    5% back · $95 annual fee

    $5.00 on $100

    • 5x points on hotels.
    • 500 Wells Fargo Rewards points valued at 1¢ each.

  4. Chase Aeroplan

    4.5% back · $195 annual fee

    $4.50 on $100

    • 3x points on travel (includes hotels).
    • 300 Aeroplan points valued at 1.5¢ each.

  5. Chase Ink Business Preferred

    4.5% back · $95 annual fee

    $4.50 on $100

    • 3x points on travel (includes hotels).
    • 300 Chase Ultimate Rewards points valued at 1.5¢ each.
    • The bonus rate covers up to $150,000 of spend a year.

  6. Citi Strata Premier

    4.2% back · $95 annual fee

    $4.20 on $100

    • 3x points on hotels.
    • 300 Citi ThankYou points valued at 1.4¢ each.

  7. Barclays Wyndham Rewards Earner Plus

    4% back · $95 annual fee

    $4.00 on $100

    • 4x points on travel (includes hotels).
    • 400 Wyndham Rewards points valued at 1¢ each.

  8. Navy Federal Visa Signature Flagship Rewards

    4% back · $95 annual fee

    $4.00 on $100

    • 4x points on travel (includes hotels).
    • 400 Navy Federal Rewards points valued at 1¢ each.

  9. American Express Delta SkyMiles Platinum

    3.6% back · $350 annual fee

    $3.60 on $100

    • 3x points on hotels.
    • 300 Delta SkyMiles points valued at 1.2¢ each.

  10. American Express Blue Business Plus

    3% back · $0 annual fee

    $3.00 on $100

    • 2x points base rate.
    • 200 Amex Membership Rewards points valued at 1.5¢ each.