Credit Cards with Hotel Benefits

Ranked by estimated first-year value after fees. Uses each offer's best redemption, assumes the bonus is earned and the balance is paid in full.

1. The American Express Platinum Card Referral Offer

American Express points

$1,450 annual fee

Referral offerHow referrals work

Offer

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)

Craig's Take

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

Estimated value after fees $1,408

Velocity flights

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2. The American Express Platinum Card Referral Offer

American Express points

$1,450 annual fee

Referral offerHow referrals work

Offer

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)

Craig's Take

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

Estimated value after fees $1,408

Velocity flights

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3. The Qantas American Express Ultimate Card

Qantas points

$450 annual fee

Offer

70,000 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 a month (2026-11-17)

Craig's Take

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

Estimated value after fees $1,220

Qantas flights

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4. The Qantas American Express Ultimate Card Referral Offer

Qantas points

$450 annual fee

Referral offerHow referrals work

Offer

70,000 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 a month (2026-11-17)

Craig's Take

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

Estimated value after fees $1,220

Qantas flights

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5. MyCard Premier

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's Take

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

Estimated value after fees $881

Velocity flights

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6. MyCard Premier Velocity

Velocity points

$300 annual fee

Offer

60,000 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 $7,000 in 90 days (~$2,333/mo)

Craig's Take

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

Estimated value after fees $852

Velocity flights

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7. MyCard Rewards Velocity

Velocity points

$249 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's Take

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

Estimated value after fees $805

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8. MyCard Rewards

MyCard points

$249 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's Take

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

Estimated value after fees $482

Velocity flights

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9. MyCard Premier Qantas

Qantas points

$350 annual fee

Offer

40,000 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 $7,000 in 90 days (~$2,333/mo)

Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate.

Estimated value after fees $346

Qantas flights

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