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Compare hotel credit cards with no annual fee

Skip the annual fee and still reap the benefits of a hotel credit card.


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Our pick for a no-annual-fee hotel card: Marriott Bonvoy Bold™ credit card

Marriott Bonvoy Bold™ credit card logo


Signup bonus after spending $1,000 in first 3 months

  • 3x points at Marriott Bonvoy hotels
  • 2x points on travel
  • 15 Elite Night Credits every calendar year
  • No annual fee
See offer
Credit cards are the premier way of earning points and additional bonuses on your favorite hotel loyalty programs. However, annual fees can cut into your potential savings. Fortunately, there are some hotel credit cards with no annual fee that may offer the benefits you want.

Compare hotel credit cards with no annual fee

Here are some hotel loyalty program cobranded credit cards without annual fees

Name Product Filter values Rewards Purchase APR Annual fee
Hilton Honors American Express Card
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
15.74% to 24.74% variable
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees
IHG® Rewards Club Traveler Credit Card
15x total points at IHG hotels, 2x points at gas stations, grocery stores and restaurants and 1x points on all other purchases
15.99% to 22.99% variable
Earn 100,000 points after spending $2,000 in the first 3 months from account opening.
Costco Anywhere Visa® Card by Citi
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
15.24% variable
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
CardMatch™ from
See terms
See issuer's website
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Wyndham Rewards® Earner℠ Card
5x points at hotels, select Wyndham properties and timeshares, 5x on gas and 1x on all other purchases
0% intro for the first 6 billing cycles on Wyndham timeshares (then 15.74%, 19.99% or 24.99% variable)
Earn 30,000 points after spending $1,000 on purchases in the first 90 days

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What are the benefits of hotel credit cards?

Hotel credit cards offer a few benefits designed to help you make the most of your hotel loyalty membership. Like other types of credit cards, you’ll find a variety of hotel credit cards, including those with no annual fees as well as those cobranded by a particular hotel. Here are just a few perks you can expect:

  • Signup bonuses.
    Perhaps one of the bigger draws of hotel credit cards are the generous welcome offers. Completing welcome offer requirements within the allotted time could earn you a point bonus worth at least one reward night stay at an eligible hotel property. Both annual fee credit cards and no annual fee credit cards can come with signup bonuses, though you might find bigger bonuses on a card with an annual fee.
  • Increased earning rates.
    Hotel credit cards typically offer an increased point earning rate on purchases associated with that hotel loyalty program. These cards also tend to offer points on non-hotel purchases as well, albeit at a lower rate. Like signup bonuses, earning rates are often higher on cards with annual fees.
  • Elite status.
    Some hotel cards grant immediate elite status as soon as you open your account. For many hotel programs this is a huge boon as you can expect not only improved earning rates with higher tiers but even more complementary benefits. Credit cards with no annual fees rarely offer complimentary elite status.
  • Reward nights.
    Some hotel credit cards offer reward nights when you spend a minimum amount of money on purchases within a calendar year. Currently, you’ll only find free night rewards on a few hotel credit cards that carry an annual fee.
  • Concierge services and other perks.
    Some hotel credit cards come with additional travel perks such as concierge services or travel insurance. These benefits can prove useful for the frequent traveler and even potentially save you some money. You’ll typically only find concierge services and similar perks on cards sporting an annual fee.

How to compare hotel credit cards with no annual fee

Ask yourself a few questions to determine which no-annual-fee hotel credit card is right for you.

  • Are the point earnings worth the lack of annual fee?
    Cards with an annual fee generally have bigger earning rates and more substantial perks. Is it worth giving these things up for a cheaper card?
  • Do you want a particular travel perk?
    Similarly, hotel cards without annual fees tend to have fewer travel perks associated with the hotel loyalty program. In some cases, the value of these perks offset the annual fee entirely.
  • How important is elite status for the program? Some hotel programs benefit greatly from elite status. Check out whether your hotel credit card offers a free status level upon account opening. For a hotel program such as Hilton Honors, elite status might be worth the annual fee.

Is it worth paying an annual fee for a hotel credit card?

It depends what you want out of your credit card. Hotel credit cards with annual fees often come with more perks or better earning rates than those without. For example, you’re unlikely to find concierge services or travel insurance on a card without an annual fee.

However, if you only travel occasionally, you might not be able to take advantage of the full range of perks offered by an annual fee card. In this case, picking up a hotel credit card with no annual fee might make more sense in terms of value.

Bottom line

While not as numerous as hotel credit cards with annual fees, you’ll still find a fair selection of hotel cards without annual fees that can offer good value.

Compare your travel credit card options to find out which benefits matter most to you. And if you’re more interested in flexible rewards, check out some rewards cards that offer point transfers.

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