But in general, most major hotel brands require either a credit or debit card in order to make a reservation. While most typically don't require that same card be used to fund the actual payment, most require a card on file in some capacity to ensure sufficient funds are available to settle your final bill.

In 2026, you generally do not need a credit card in your name to make the initial booking, but you almost always need one at the time of check-in. Most hotels allow a third party (like a parent or employer) to pay for the room in advance, though they may require a "Credit Card Authorization Form" to be submitted before you arrive. However, upon arrival, the hotel will require a physical credit or debit card that matches the photo ID of the person staying in the room. This card is used for a "security hold" (typically $50–$150 per night) to cover incidentals like the minibar or potential damages. If you do not have a card in your name, some hotels may accept a cash deposit, but this is increasingly rare and often limited to budget properties. For a "pro-trip," always ensure your card has a balance high enough to cover both the room and the temporary security hold to avoid check-in delays.