If you often stay at hotels for business or personal trips, and you prefer to stay loyal to one hotel chain, then
a specialty hotel credit card can become an essential tool.
Typically, it may make better sense for the average traveler to use cash back
credit cards (perhaps like a Discover
credit card or American Express
card) to get rewarded in cash, rather than to use
specialty travel
cards to build up points for mileage,
hotel accommodations or other non-cash rewards.