Best Hotel Credit Cards For Bad Credit Of May 2024

If you’re looking for the best rewards on hotels but have credit issues, the SuperCash™ Mastercard®* is a good fit. There’s no credit check and a simple application process. The SuperCash™ Mastercard®* is a secured credit card that, in practice, behaves like a debit card. Instead of providing a cash deposit, the SuperCash card is funded by linking it to your bank account either directly or through your bank debit card. Despite its hybrid nature, SuperCash reports to the three major credit bureaus (Experian, Transunion and Equifax) so you are building a credit history by using the card. In contrast, using your bank debit card directly would not provide this reporting and would have no impact on your credit score.

Rewards: Earn 10% cash back on purchases with SuperTravel, 5% back on purchases of 500+ major brands in the SuperShop and 1% back on all other purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: The SuperCash™ Mastercard®* can only be used within the U.S., Canada and Mexico and charges no foreign transaction fees. There are limits on how much you can load and spend which directly limits the amount of cashback that can be earned. Since the card is linked to your bank debit card, there’s no chance of spending more money than you actually have. As it’s not possible to carry a balance, you cannot incur interest.

The no annual fee U.S. Bank Cash+® Secured Visa® Card* earns 5% on travel, including hotels, booked through the U.S. Bank Rewards Travel Center.  Additionally, the card has a generous earning structure that allows you to quickly accumulate cash rewards through everyday spending in categories that you select. Cash back is easily redeemed through a statement credit or by deposit to a U.S. Bank account.

Rewards: Earn 5% cash back on the first $2,000 in combined eligible purchases each quarter in two categories of choice, 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% cash back on eligible purchases in choice of one everyday category (like gas stations, grocery stores and restaurants) and 1% cash back on all other eligible purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: The card requires an initial deposit of $300 to $5,000 depending on the approved credit limit. U.S. Bank provides an upgrade path so that with responsible card use, cardholders can graduate to an unsecured card and get their security deposit refunded.

The Capital One Quicksilver Secured Cash Rewards Credit Card (rates & fees) earns 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel. Rewards can be redeemed by check, by statement credit or by applying them to bookings on Capital One Travel.

Rewards: Earn 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: The card has no annual fee or foreign transaction fee but does require a security deposit of $200 in order to receive an initial $200 credit limit upon approval. Cardholders can be considered for a higher line of credit within six months with no additional deposit and can, with responsible card use, graduate to an unsecured card.

A rare secured card that earns points instead of cash back, the U.S. Bank Altitude® Go Secured Visa® Card* rewards spending in everyday categories. While the card does not have elevated earnings on hotel bookings, the higher rewards rate on common purchases such as groceries, gas and restaurants makes it easy to accumulate points. Points can be redeemed for cash back or for travel, merchandise and gift cards.

Rewards: Earn 4 points per dollar spent on dining and takeout, 2 points per dollar spent at grocery stores (effect September 9, 2024 discount stores and wholesale clubs are excluded), gas stations and EV charging and on streaming services and 1 point per dollar on all other eligible purchases.

Welcome offer: This card does not have a welcome offer.

Annual fee: $0

Other benefits and drawbacks: A security deposit of $300 to $5,000 equivalent to the approved credit line is required. Cardholders have the opportunity to upgrade to an unsecured card over time with responsible card use. There is a minimum reward redemption of 2,500 points. An annual $15 streaming credit is provided after 11 months of streaming purchases on the card. The card does not charge a foreign transaction fee.

The Bank of America® Customized Cash Rewards Secured Credit Card* allows the cardholder to choose one category that earns 3% cash back and 2% cash back on grocery and warehouse club purchases up to a total of $2,500 in purchases each quarter. Sample categories include travel, home improvement stores and drugstores. This feature allows the cardholder to maximize cash back by choosing the category according to planned purchases.

Rewards: Earn 3% cash back in a category of choice: gas and EV charging, online shopping, dining, travel, drug stores or home improvement/furnishings; 2% cash back at grocery stores and wholesale clubs; unlimited cash back on all other purchases. Earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks:  A security deposit of $200 to $5,000 is required, depending on the credit line approved. Bank of America periodically reviews accounts for performance to assess whether the security deposit can be returned.

Although there’s no annual fee, the card does charge a foreign transaction fee of 3% of the U.S. dollar amount of each transaction. Rewards are easily redeemed through statement credits or by deposit into a Bank of America bank account, with no minimum redemption amount.

The Navy FCU nRewards® Secured Credit Card* is a straightforward flat-rate card that earns 1 point per dollar on all purchases. Points are worth one cent each, which equates to 1% cash back. Points can be redeemed for a statement credit which could offset hotel purchases made on the card.

Rewards: Earn 1 point per dollar on eligible net purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: The card requires a security deposit equal to the credit limit (minimum $200) as collateral for the credit line. Navy FCU provides a path to progress to an unsecured card, with account reviews at three and six months.

Note that a Navy Federal Credit Union membership is required to apply for this card, so only Members of the armed forces, Department of Defense and the National Guard and their family members are eligible. The card provides a collision damage waiver for auto rentals. However, the usefulness of this benefit is likely limited by the size of your credit limit since you are required to charge the entire amount of the auto rental to the card.

The card has no annual fee, no foreign exchange fees, no balance transfer fees and no cash advance fees. Although we don’t recommend carrying a balance, it’s worth noting that the 18.00% variable APR on this card is significantly lower than other cards in this category.

FutureCard Visa® Debit Card* is not a credit card—it’s a prepaid debit card that can be funded through various methods including direct link to your bank account, Venmo, Apple Pay and Google Pay. FutureCard does not extend credit nor does it report to any credit bureaus which means that using the card has no impact, positively or negatively, on your credit score. The card pays 5% cash back on eco-friendly purchases such as public transit, EV charging, scooter rentals, vintage and thrift shops and 6% back at selected eco-friendly partners.

Rewards: Earn 6% cash back on select partner brands, 5% cash back on the first $25,000 of purchases spent on public transport, electric charging, bikes and scooters, secondhand clothes and furniture and plant-based meat, dairy and eggs and 1% cash back on all other purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: The card doesn’t require a deposit. There is no credit check and therefore, no impact on your credit score. Only personal information, including your Social Security number is needed to apply. There’s a $5 welcome bonus when you fund a minimum of $10 with a linked bank account.

The flat-rate Bank of America® Unlimited Cash Rewards Secured Credit Card* earns 1.5% cash back on all purchases. There’s no annual fee and rewards are easily redeemed through a statement credit or deposit into a Bank of America bank account. Bank of America periodically reviews the cardholder’s credit history and may return the security deposit based on good performance.

Rewards: Earn 1.5% unlimited cash back on all purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: A security deposit of $200 to $5,000 equivalent to the approved credit line is required. The card charges a foreign transaction fee.