Hotels.com Financing & Splitting Rules: Affirm installment financing is limited to eligible "Pay Now" prepaid room bookings. You cannot use Affirm if you choose the "Pay at Property" option. Payment Restrictions: As a digital platform, web checkouts block you from splitting a single payment across two separate personal credit cards. However, you can stack OneKeyCash rewards alongside a primary card at checkout to cover the balance. Pay at Hotel Quirk: If you choose a "Pay Later / Pay at Hotel" reservation, your online card is only used as a booking guarantee. Hotels.com will not charge your card; you must settle the bill directly at the physical front desk using the property's locally accepted payment methods.