What are the best hotel credit cards with no annual fee?

Credit card companies will waive interest on a case-by-case basis, depending on both the credit card company’s policies and the cardholder’s relationship with the company. Cardholders with a long and positive account history have a better chance of getting interest charges waived, especially if the person doesn’t have a history of carrying a balance or asking for fee waivers. But even the best account history doesn’t guarantee that a card issuer will agree to take back an interest charge.… read full answer

The best way to go about asking your credit card company to waive interest charges is to call customer service and explain the situation that caused the interest. Being late on a payment or only paying the minimum amount due will trigger an interest charge, for example. And if you usually pay on-time and in full, the card issuer is likely to grant an interest waiver, as long as their policy allows it.

Credit card companies are in heavy competition for your business, and many will do what it takes to keep you on as a customer - including occasionally waiving interest and fees. For example, over 40% of people who have asked their card issuer to waive a fee have been successful, according to a WalletHub credit card survey, but 1 out of 3 people have never attempted it.

It’s also worth noting that some card issuers are temporarily more lenient about interest charges after major natural disasters or during global events, such as the COVID-19 pandemic. So if you’d rather not pay an interest charge on your credit card bill – especially if you’re in a period of economic hardship that’s out of your control – there’s no harm in asking your card issuer to remove it.

Hotel credit cards are definitely worth it if you travel frequently. I very much enjoy as many perks as I can when I travel. Knowing that I will receive a complimentary upgrade to a better level of a room, or some other extra amenity for using my hotel credit card, it makes those trips much more enjoyable.… read full answer

As a tip, I would suggest that if you use a hotel credit card that has a points-based reward system based on the number of dollars you have charged, wait until you have racked up a large number of points before you redeem them to get the best bang for your buck. Often times, the best rewards are those with the most points value and they can equal free stays of one or more nights.

The best credit card with no annual fee and cash back is the Citi® Double Cash Card, which gives unlimited 2% cash back on all purchases. But there are plenty of other great contenders. Some of them are the Capital One Quicksilver Cash Rewards Credit Card, the Wells Fargo Cash Wise Visa® card… read full answer, the Blue Cash Everyday® Card from American Express and the Discover it® Student Cash Back card.

The price you pay for no annual fee and cash back is a good or excellent credit score needed for high approval odds. The one exception is the Discover it® Secured Credit Card, which people with bad credit can get, as long as they’re willing to pony up a $200 refundable security deposit.

Here are the best credit cards with no annual fee and cash back:

• Citi® Double Cash Card: $0 annual fee, unlimited 2% cash back, no initial bonus. 0% for 18 months introductory APR for balance transfers.
• Capital One Quicksilver Cash Rewards Credit Card: $0 annual fee, unlimited 1.5% cash back, $200 cash bonus for spending $500 in 3 months. 0% for 15 months introductory APR for purchases.
• Discover it® Student Cash Back: $0 annual fee, up to 5% cash back in certain categories that change every three months, 1st year’s cash back doubled. 0% for 6 months intro APR for purchases and 10.99% for 6 months for balance transfers.
• Wells Fargo Cash Wise Visa® card: $0 annual fee, unlimited 1.5 - 1.8% cash back, $150 bonus for spending $500 in 3 months. Introductory APR of 0% for 15 months for purchases and 0% for 15 months on qualifying balance transfers.
• Discover it® Secured Credit Card: $0 annual fee, 1 - 2% cash back, 1st year’s cash back doubled.
• Blue Cash Everyday® Card from American Express: $0 annual fee, 3% cash back on first $6,000 spent on groceries per year, 2% cash back at gas stations and select department stores, and 1% cash back on all other purchases. $100 bonus for spending $1,000 in the first 6 months. 0% for 15 months intro APR for purchases.

Cash back gives flexibility and freedom when it comes to earning rewards. You’ll get a percentage back on every purchase, and you can spend your rewards however you like. Most of these cards offer great financing options as well. So, pick a card based on whatever secondary benefits work best for you.