Best Hotel Credit Cards for Bad Credit in 2024 (2024)

The best hotel credit card for bad credit is the Bank of America® Customized Cash Rewards Secured Credit Card because it accepts people with bad credit scores and offers 3% cash back in your choice of categories, such as hotel purchases, in addition to 2% back on groceries (up to a total of $2,500 spent quarterly). It also has a $0 annual fee.

Keep in mind that hotel credit card options are limited for people with bad credit. For example, there are no co-branded hotel credit cards for bad credit available at the moment.

Best Credit Cards for Bad Credit & Hotel Bookings

Learn More About Hotel Credit Cards for Bad Credit

While there are unsecured cards for bad credit, they often come with high fees that reduce your initial spending power. And the credit limit will likely start at just $300 or so anyway. Having sufficient available credit is crucial when booking hotels. Hotels often place a "hold" of $50-$200 per day on your account for incidentals. If the hold exceeds your credit limit, the booking may not go through.

Secured cards are a better option because you can typically add to your deposit to increase your spending power. You should be able to get enough credit to cover a hotel reservation and the accompanying hold.

Just don’t forget that your primary objective should be to rebuild credit rather than earn hotel rewards.By using your secured card responsibly and making timely payments, you can eventually qualify for a better hotel credit card.