Credit Cards with Hotel Benefits

$395 annual fee
OfferTargeted
100,000 American Express points
The Hotel Collection: up to US$100 hotel credit (on dining, spa and resort activities) and a one-category room upgrade when available on bookings of two consecutive nights at select hotels
Spend $4,000 in 90 days (~$1,333/mo)
Offer Expires 6 months ago (2025-12-02)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Excellent ongoing earn rate. $400 cashback covers the $395 fee.

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Image of MyCard Prestige Velocity credit card
Velocity points
$700 annual fee
Offer
150,000 Velocity points
4th Night on Us with Luxury Escapes (credit for one night on a four-consecutive-night booking, up to $1,000 per redemption, four times per calendar year, promo code PRESTIGE4N); up to 15% off Limited Time LUX Exclusive international Luxury Escapes hotels and 10% off Australian hotels (caps apply); 10% off selected Expedia hotels; 10% off selected Wotif hotels
Spend $12,000 in 90 days (~$4,000/mo)
Craig
Craig's Take

Tough spend — $133/day for 90 days. Average ongoing earn rate. High $700 fee — make sure you'll use the perks.

Est. profit $1,850
Read my analysis
Image of MyCard Premier Velocity credit card
Velocity points
$300 annual fee
Offer
110,000 Velocity points
Up to 15% off eligible Luxury Escapes hotels and 10% off selected Expedia and Wotif hotels; max discount $250 per transaction on Luxury Escapes, promo codes apply
Spend $8,000 in 90 days (~$2,667/mo)
Craig
Craig's Take

Moderate spend — $89/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Est. profit $1,642
Read my analysis
Image of MyCard Rewards credit card
MyCard points
$199 annual fee
Offer
100,000 MyCard points
Up to 15% off eligible Luxury Escapes hotels (max discount $250 per transaction), 10% off selected Expedia hotels, and 10% off selected Wotif hotels when booked and paid with the card
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Average ongoing earn rate.

Read my analysis
Image of MyCard Premier credit card
MyCard points
$300 annual fee
Offer
120,000 MyCard points
Up to 15% off eligible Luxury Escapes hotels and 10% off selected Expedia and Wotif hotels; max discount $250 per transaction on Luxury Escapes, promo codes apply
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Read my analysis
Image of MyCard Rewards Velocity credit card
Velocity points
$199 annual fee
Offer
60,000 Velocity points
Up to 15% off eligible Luxury Escapes hotels (max discount $250 per transaction), 10% off selected Expedia hotels, and 10% off selected Wotif hotels when booked and paid with the card
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Poor ongoing earn rate.

Est. profit $821
Read my analysis
Image of MyCard Premier Qantas credit card
Qantas points
$350 annual fee
Offer
70,000 Qantas points
Up to 15% off Limited Time LUX Exclusive Luxury Escapes hotels (10% domestic, 15% international) and 10% off international tours, max discount $250 per transaction; plus 10% off selected Expedia and Wotif hotels.
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $770
Read my analysis
$749 annual fee
Offer
125,000 Qantas points
4th Night on Us with Luxury Escapes: book four consecutive nights and receive a credit for one night (up to $1,000 per booking), capped at four redemptions per calendar year; promo code PRESTIGE4N at checkout. Plus up to 15% off Limited Time LUX Exclusive Luxury Escapes hotels and 10% off selected Expedia and Wotif hotels
Spend $10,000 in 90 days (~$3,333/mo)
Craig
Craig's Take

Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $749 fee.

Est. profit $1,351
Read my analysis
Image of MyCard Prestige credit card
MyCard points
$700 annual fee
Offer
250,000 MyCard points
4th Night on Us with Luxury Escapes (credit for one night on a four-consecutive-night booking, up to $1,000 per redemption, four times per calendar year, promo code PRESTIGE4N); up to 15% off Limited Time LUX Exclusive international Luxury Escapes hotels and 10% off Australian hotels (caps apply); 10% off selected Expedia hotels; 10% off selected Wotif hotels
Spend $10,000 in 90 days (~$3,333/mo)
Craig
Craig's Take

Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $700 fee.

Read my analysis
$175 annual fee
Offer
75,000 Bank of Melbourne points
Access to Visa Luxury Hotel Collection: best available rate guarantee, room upgrade when available and one daily breakfast per person at participating properties
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$175 annual fee
Offer
70,000 Qantas points
Access to Visa Luxury Hotel Collection at participating properties: best available rate guarantee, room upgrade when available and one daily breakfast per person
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $870
Read my analysis
$295 annual fee
Offer
90,000 Qantas points
Access to Visa Luxury Hotel Collection with best available rate guarantee, daily breakfast and room upgrades when available at participating properties
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,070
Read my analysis
St.George Amplify points
$175 annual fee
Offer
75,000 St.George Amplify points
Access to Visa Luxury Hotel Collection with best available rate guarantee, room upgrade when available and one daily breakfast per person; valid at participating properties when paying with the Visa card
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 St.George Amplify points
Access to Visa Luxury Hotel Collection with best available rate guarantee, room upgrade when available and one daily breakfast per person at participating properties
Spend $12,000 in 365 days (~$986/mo)
$149 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$1,450 annual fee
OfferTargeted
225,000 American Express points
Fine Hotels + Resorts: complimentary benefits averaging USD$550 total value at 1,800+ properties when booking via Fine Hotels + Resorts, including guaranteed 4pm late check-out, room upgrades (subject to availability), daily breakfast for two and a US$100 experience credit or amenity per stay.
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 3 months (2026-08-25)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.

Read my analysis
$1,450 annual fee
OfferTargeted
225,000 American Express points
Fine Hotels + Resorts program offering benefits valued at approximately USD$550 including guaranteed 4pm late checkout, room upgrades (subject to availability), daily breakfast for two, and a US$100 experience credit per stay at over 1,600 properties worldwide.
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 3 months (2026-08-25)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.

Read my analysis
$450 annual fee
Referral offerHow referrals work
Offer
50,000 Qantas points
Complimentary Qantas Wine Premium Membership with gourmet food, exceptional wines, exclusive access to food and wine events, and complimentary delivery within Australia
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 2 months (2026-07-28)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Est. profit $800
Read my analysis
$450 annual fee
Offer
50,000 Qantas points
Complimentary Qantas Wine Premium Membership with gourmet food, exceptional wines, exclusive access to food and wine events, and complimentary delivery within Australia
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 2 months (2026-07-28)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Est. profit $800
Read my analysis
Craig

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— Craig