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UPDATE: The offer for The Hyatt Credit Card has expired and the Citi® Hilton Honors™ Reserve Card is no longer accepting applications. You can find the best current offers on the Hot Deals page.

There are plenty of great travel rewards cards out there, and each one offers something a little different, and a little special, for cardholders. The Citi® Hilton Honors™ Reserve Card and The Hyatt Credit Card each have some terrific perks, but maybe one fits your needs better than the other? Let’s compare & review the features and figure out which one is best for your unique needs when it comes to a hotel rewards credit card.

Citi® Hilton Honors™ Reserve Card

Citibank offers some great perks for Hilton lovers with the Hilton Reserve credit card. For example, you will receive two weekend night certificates after making only $2,500 in purchases during the first four months of having the card. This is a nice perk since most travel rewards credit cards give you the sign on bonus only if you meet the spending requirements in the first three months. If you need a little more time to meet the spending requirement, then this is a great option.

Two Hilton weekend night certificates can be extremely valuable if you redeem them for at an expensive hotel. Top end Hilton hotels run 50,000 – 80,000 Hilton points a night, or over $500 a night easily. It wouldn't be hard to get $1,000 in value from the sign on bonus on the Hilton Reserve.

Hilton Conrad in Maldives
Hilton Conrad in Maldives

When it comes to receiving points, the Hilton Reserve credit card earns 10 Honors points for each dollar spent on hotel stays at Hilton properties. Receive 5 Honors points on all flights and car rentals. Receive 3 Honors points for every dollar spent in all other categories.

This can add up to huge points in a short period of time, especially if you are traveling regularly. In addition to these points, cardholders will get an anniversary bonus each year for one weekend night certificate, as long as your account is in good standing, and you spend $10,000 in 12 months.

Cardholders will also automatically enjoy Honors Gold Status, which means extra benefits when redeeming points for hotel stays. This is the best perk on the Hilton Reserve since Gold status gets you free breakfast, wifi, possible room upgrade, and priority check-in and check out.

If you spend $40,000 or more in a calendar year, you will automatically be upgraded to their top tier Diamond Status, for even greater benefits.

The annual fee for the Hilton Reserve credit card is $95, which is not waived for the first year, but you certainly get your money’s worth with the weekend night certificates and the perks of the card. The Hilton Reserve also comes with smart chip technology and doesn't have foreign transaction fees.

There are no foreign transaction fees, making the Hilton Reserve card ideal for those enjoying international travel.

The Hyatt Credit Card

A contender for one of the top hotel rewards credit cards, The Hyatt Credit Card has plenty to offer to cardholders. The current bonus offer is 2 free nights at any Hyatt hotel or resort worldwide after you make $2,000 on purchases in the first 3 months after account opening. This is a pretty low spending threshold for a big bonus. And unlike the Citi Reserve, you can use the free night certificates on ANY day.

You could redeem your two-night certificates at the Park Hyatt Vendome in Paris. The Vendome is a great location, very posh, and can run up to $1,000 a night!

Park Hyatt Vendome in Paris
Park Hyatt Vendome in Paris

Cardholders receive 3 points for every dollar spent at Hyatt properties, 2 points for every dollar spent on flights, restaurants, and rental car purchases, and one point for every dollar spent in all other categories. Cardholders also enjoy World of Hyatt Discoverist membership as long as they are in good standing.

You'll also bag an additional 5,000 bonus points after you add an authorized user to your account and make a purchase with your card during the first 3 months as a cardmember.

The Hyatt Credit Card receives a free annual certificate good for a Hyatt category 1-4 property. That makes paying the $75 annual fee a no brainer.

Conclusion

Both the Hilton Reserve credit card and The Hyatt Credit Card are great hotel travel rewards credit cards. I have both of these cards in my wallet. For those who are Hilton devotees, the Hilton Reserve really packs on the benefits with weekend night certificates, Gold status, and huge points receiving potential. The Hyatt Credit Card‘s two-night certificates are more flexible, and the anniversary certificate is easier to achieve, but its Discoverist status isn't as nice of as a perk as Hilton Gold status.

Both cards offer no foreign transaction fees and high-security chip technology, as well as great customer service. You really can't go wrong with either the Citi® Hilton Honors™ Reserve Card or The Hyatt Credit Card.

How do you think they compare? Are there important features that stand out for either card that will help you decide?

Citi® Hilton Honors™ Reserve Card or The Hyatt Credit Card?
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