Hotel credit cards can deliver a host of great perks, from bonus points-earning opportunities to built-in benefits like late checkout. But given the number of cards available — not to mention the sometimes confusing inclusions and exclusions — there are several mistakes you could be making with your credit card.

Or shall we call them missed opportunities to earn better rewards?

The usual dangers of using hotel credit cards include taking on too much debt and spending money that you don't have. These major mistakes aside, you might be skipping other benefits that make traveling more convenient or affordable.

Whether you're new to travel credit cards, are a seasoned points and miles nerd or are gearing up to choose a hotel credit card, here are some hotel credit card mistakes that could be holding you back from experiencing their maximum potential.

No one likes to leave free perks on the table, especially if you’re paying off your card balance each month in full.

1. Using the wrong card for a purchase

Hotel credit cards, like others in your wallet, often have bonus spending categories which offer more points for specific types of purchases. For example, with the World of Hyatt Credit Card, you can earn 2x points on dining, local transit and gym memberships.

If you don’t have another card in your wallet with a higher earning rate, you should put these types of purchases on this card. Otherwise, you may end up using a card that only offers 1 point per dollar spent on these purchases.