The best hotel credit card with no annual fee is the Hilton Honors American Express Card because it offers 7 points / $1 spent at Hilton properties. The Hilton Honors Credit Card also offers an initial bonus of 80,000 points for spending $1,000 in the first 3 months, plus an additional 50,000 points for spending a total of $5,000 in the first 6 months. Plus, this hotel card has a 0% foreign transaction fee, in addition to its $0 annual fee.
Hotel credit cards with no annual fee can save you up to hundreds of dollars per year, depending on the alternative. When you’re charged an annual fee, you’re basically paying for any benefits and rewards built into the card. Generally, the higher the annual fee, the more benefits the card offers. However, many hotel cards with no annual fee do offer significant benefits.
The best hotel card with free nights is the IHG® Rewards Club Premier Credit Card because it offers a free night each account anniversary and gives a 4th night free every time you redeem your points to book a stay of 4 or more nights. Free nights are valid for any IHG booking with a redemption value of 40,000 points or less. The IHG Premier also offers 150,000 points for spending $3,000 within 3 months of account opening. The annual fee is $0 intro 1st yr, $89 after, but its perks more than cover this cost as long as you are able to take advantage of them.… read full answer
The IHG Premier is not the only card that offers free nights though.
Here are the best hotel credit cards with free nights:
Marriott Bonvoy Business™ American Express® Card: 125,000 points and 2 free night awards for spending $5,000 in the first 3 months (limited-time offer, ending 11/3/2021) - each bonus free night award has a redemption level of up to 50,000 points. Free night each account anniversary, redeemable at any Marriott Bonvoy property worth 35,000 points or less. $125 annual fee.
Marriott Bonvoy Boundless® Credit Card: 125,000 points and 1 free night award for spending $5,000 in the first 3 months (the free night award is valued up to 50,000 points). Free night each account anniversary, redeemable at any Marriott Bonvoy property, worth 35,000 points or less. $95 annual fee.
Marriott Bonvoy Brilliant™ American Express® Card: 150,000 points and 1 free night award for spending $5,000 in the first 3 months (limited-time offer, ending 11/3/2021). Free night each account anniversary. Redeemable at any Marriott Bonvoy property worth 50,000 points or less. $450 annual fee.
Hilton Honors Aspire Credit Card: Free weekend night after approval and on every account anniversary, plus an additional night after spending $60,000 in a year. $450 annual fee.
IHG Premier: Free night each account anniversary. 4th night free every time you redeem your points to book a stay of 4 or more nights. Redeemable at IHG properties worth 40,000 points or less. Annual fee: $0 intro 1st yr, $89 after.
The World of Hyatt Credit Card: Free night each account anniversary. Valid at Hyatt Category 1-4 properties. Second free night for spending $15,000 in any year. $95 annual fee.
The American Express Platinum card offers 5 points / $1 spent on prepaid hotel reservations and airfare (on up to $500,000 per year) booked through AmexTravel.com. In addition, you also get complimentary Gold status in Hilton’s and Marriott Bonvoy’s membership programs which will give you room upgrades and opportunities to accelerate your earning of free nights, once enrolled.
Unlike the American Express Platinum card’s $695 annual fee, the Capital One VentureOne comes with a $0 annual fee, while offering 20,000 bonus miles (worth $200 in travel) after you spend $500 within 3 months from account opening. Not only that, but it also earns you 1.25 miles / $1 spent on every purchase, every day.
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 cash back credit card with no annual fee is Chase Freedom Unlimited®. In addition to a $0 annual fee, Chase Freedom Unlimited offers an initial bonus of $200 for spending $500 in the first 3 months as well as 1.5 - 5% cash back on purchases. More specifically, cardholders earn 5% cash back on grocery store purchases for the first year (up to $12,000 spent), 5% cash back on travel through Chase, 3% cash back at restaurants and drugstores, and 1.5% back on all other purchases.… read full answer
Best Credit Cards with No Annual Fee and Cash Back
Cash back gives flexibility and freedom when it comes to earning and using rewards. You’ll get a percentage back on every purchase, and you can spend your rewards however you like. Below, you can get an even better sense of how much the top cash back credit cards with no annual fee could save you.
Best Cash Back Credit Cards with No Annual Fee Compared
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