Whether you just got your first stay under your belt or have been saving up for a bucket-list vacation, choosing the right hotel credit card can make all the difference.

There are a variety of hotel cards to choose from, with perks such as top-tier elite status, annual statement credits, easy-to-earn points and large welcome offers. So how do you decide? Take a look at these steps to choose a hotel credit card that’s right for you.

Questions for finding a hotel credit card for you

1. Do you stay at a particular hotel chain?

The most important aspect of the hotel credit card equation is the hotel chain that you prefer. Many different chains feature their own co-branded hotel credit cards, including Marriott, Hilton, Hyatt, Wyndham, Choice and IHG.

Before you commit to a credit card, consider the type of travel that you’ll be doing. For example, are you heading out into rural locations or on a variety of business trips? You’ll likely want to stick with a hotel chain that will have properties no matter where you travel. Or do you want to go all-out on a once-in-a-lifetime trip to the Maldives? Then you’ll want to pick a card that will help you earn your way to that dream property faster.

You can also acquire more than one hotel card. Although this won’t be right for all travelers, those who want to maximize their hotel stays at multiple brands may want to consider getting a few different cards and switching them out as they go.