Amex Travel curated collection of upscale hotels.
Technical Note: The Hotel Collection transactions typically report under MCC codes:
7011. This helps determine which card multiplier applies.
Ranked Card Rewards at The Hotel Collection
| Card | Rate | Cash / $100 | Credits/mo | Network Perk | Why it Wins |
|---|---|---|---|---|---|
| The World of Hyatt Credit Card | 4x Hyatt Points | $9.20 | — | — | Hyatt Hotels Category |
| Chase Sapphire Preferred | 5x Chase Points | $5.00 | — | — | Chase Travel Category |
| Citi Prestige Card | 5x Thankyou Points | $5.00 | — | — | Air Travel Category |
| Robinhood Gold Card | 3x Cash | $3.00 | — | — | Base Rate |
| Chase Ink Business Premier | 2x Cash | $2.00 | — | — | Base Rate |
| Chase Ink Business Unlimited | 2x Cash | $1.50 | — | — | Base Rate |
| American Express Gold Card | 1x Amex Points | $0.60 | — | — | Base Rate |
How we calculate this
We join merchant transaction data (MCCs) with card reward structures to find the highest effective yield. For points programs, we assume a live valuation (e.g., 1 cent per Chase point) to provide a comparable “Cash Value” metric.
Suggested Merchant Category Codes (MCC)
The following categories are typically used by payment networks (Visa, Mastercard, Amex) to classify this merchant. These codes determine the reward yield for specific credit cards.
● MCC-7011
ISO 18245
Lodging – Hotels, Motels, Resorts, Central Reservation Services
(Not Elsewhere Classified) Resorts, Central Reservation Systems (Not Elsewhere Classified) Merchants classified with this MCC are lodging establishments or central reservation services that do not have their own specific MCC. MCC 7011 may include bed and breakfast establishments, resorts, cabins, cottages, hostels, short-term property rentals less than 30 days in length, and local inns. Bed & Breakfast Establishments Central Reservation Services Hotels (Not Listed in T&E Section) Inns (Not Listed in T&E Section) Lodging Establishments (Not Listed in T&E Section) Motels (Not Listed in T&E Section) Resorts (Not Listed in T&E Section) Services – Central Reservation, Lodging