Can I book a hotel with a savings card? Or should I use a credit card?

It's best to use a credit card. Fees can be withheld (pre-authorization). I can't stay. I can get a refund if I haven't spent all the withheld money.

If you use a savings card, on the one hand, the hotel can't deduct money from your savings card (not in person), on the other hand, even if you deduct a refund, it will be very troublesome and even impossible to refund.

Basically, all hotels do not accept savings card reservations.