Opposite to in style perception, you needn’t pay an annual price topping virtually $800 to get one of the best journey bank card. For those who do not journey sufficient to make use of all the advantages that include a top-tier card — or just haven’t got room in your price range to justify these charges annually — there are nonetheless loads of no-annual-fee playing cards which may fit your wants.
In relation to lodge bank cards, the excellent news is {that a} no-annual-fee card can give you extra advantages than you may count on. Some playing cards include complimentary elite standing, whereas others arrange a pathway towards incomes it by spending.
Relying on the product you select, no-annual-fee cobranded lodge playing cards may also help you earn perks particular to sure lodge chains. That is thanks, partly, to the elevated incomes charges they function if you ebook a keep or make an on-property buy.
One of the best no-annual-fee lodge card will differ from individual to individual, however a few of the finest choices presently obtainable embrace the Marriott Bonvoy Daring® Credit score Card (see charges and charges) and the Hilton Honors American Categorical Card (see charges and charges).
Each lodge chains supply properties all around the world, that means you might have tons of alternatives to earn and redeem factors virtually anyplace.
One of the best no-annual-fee lodge bank cards
Listed below are our high picks for one of the best no-annual-fee lodge playing cards.
The data for the Wyndham Rewards Earner Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Evaluating one of the best no-annual-fee lodge bank cards
| Card | Incomes charges | Welcome bonus | Bonus worth* |
|---|---|---|---|
| Marriott Bonvoy Daring Credit score Card |
|
Earn 60,000 bonus factors plus one free evening award (valued at as much as 50,000 factors) after spending $2,000 on purchases within the first three months from account opening. Sure resorts have resort charges. | As much as $770 |
| Hilton Honors American Categorical Card |
|
Earn 100,000 bonus factors and a $100 assertion credit score after spending $2,000 on purchases within the first six months of card membership. This supply ends Aug. 13. | As much as $500 (plus the $100 assertion credit score) |
| IHG One Rewards Traveler Credit score Card |
|
Earn 120,000 bonus factors after spending $2,000 on purchases inside the first three months of account opening. | $600 |
| Alternative Privileges Mastercard |
|
For a restricted time, earn 60,000 bonus factors after spending $1,000 on purchases inside three months of card membership. | $360 |
| Wyndham Rewards Earner Card |
|
Earn 60,000 factors after spending $2,000 on purchases inside 90 days of account opening. Resort charges might apply and can’t be paid with factors. | $660 |
| Capital One VentureOne Rewards Credit score Card |
|
Earn a bonus of 20,000 miles when you spend $500 inside the first three months from account opening. | $370 |
*Bonus worth relies on TPG’s June 2025 valuations and never the cardboard issuer.
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One of the best no-annual-fee lodge bank cards
Marriott Bonvoy Daring Credit score Card
Present welcome bonus: Earn 60,000 bonus factors plus one free evening award (valued at as much as 50,000 factors) after spending $2,000 on purchases within the first three months from account opening. Sure resorts have resort charges.
Bonus worth: As much as $770.
Incomes charges:
- 3 factors per greenback spent at collaborating Marriott Bonvoy resorts
- 2 factors per greenback spent at grocery shops, on ride-hailing companies, on choose meals supply companies, on choose streaming companies and on web, cable and cellphone companies
- 1 level per greenback spent on all different purchases
Different advantages: You will turn into an automated Silver Elite member, which will get you perks similar to precedence late checkout and 10% bonus factors on stays, as a cardholder. Due to this fact, you will have the flexibility to earn as much as 14 factors per greenback spent on eligible Marriott stays (3 factors per greenback with this card, 10 factors per greenback for being a Marriott Bonvoy member and 1 level per greenback for having Silver Elite standing).
You will even have the chance to enhance your elite standing the extra you stick with Marriott. This card comes with a number of journey and buy protections, together with baggage loss and delay insurance coverage. To high all of it off, there is no annual price (and no overseas transaction charges).
Why we prefer it: As you construct up your bank card portfolio, you will finally need to have a card that earns transferable factors, together with an airline card and a lodge card. If Marriott is your lodge chain of selection (we do not blame you since there are greater than 9,000 properties worldwide), the Daring is the proper place to start out. With a complimentary jump-start to Silver Elite standing, the chances of reaching greater tiers of Marriott elite standing are limitless.
For extra particulars, take a look at our full evaluate of the Marriott Bonvoy Daring card.
Apply right here: Marriott Bonvoy Daring Credit score Card
Hilton Honors American Categorical Card
Present welcome bonus: Earn 100,000 Hilton Honors bonus factors and a $100 assertion credit score after spending $2,000 on purchases within the first six months of card membership.
Bonus worth: As much as $500 (plus the $100 assertion credit score).
Incomes charges:
- 7 factors per greenback spent on eligible purchases made immediately with resorts and resorts within the Hilton portfolio
- 5 factors per greenback spent at U.S. eating places (together with takeout and supply), U.S. supermarkets and U.S. gasoline stations
- 3 factors per greenback spent on different eligible purchases
Different advantages: It isn’t usually {that a} no-annual-fee card offers you with as many perks because the Hilton Honors Amex does. For starters, get pleasure from complimentary Silver standing to get 20% bonus factors on stays and a fifth-night-free profit. Along with a profitable rewards price on Hilton and on a regular basis purchases, you will have secondary rental automotive protection and no overseas transaction charges.
Why we prefer it: The Hilton Honors Amex proves you do not have to pay an annual price to get top-notch perks. The cardboard’s welcome bonus provides a wholesome stash of Hilton Honors factors and ample methods to proceed incomes in your on a regular basis spending. We advocate this card for individuals who get pleasure from staying at Hilton properties however need to maintain prices as little as potential.
For extra particulars, take a look at our full evaluate of the Hilton Honors Amex.
Apply right here: Hilton Honors American Categorical Card
IHG One Rewards Traveler Credit score Card
Present welcome bonus: Earn 120,000 bonus factors after spending $2,000 on purchases inside the first three months of account opening.
Bonus worth: As much as $600.
Incomes charges:
- As much as 17 factors per greenback spent at IHG Resorts & Resorts (damaged down as 5 factors per greenback for being an IHG Traveler cardholder, as much as 10 factors per greenback spent on stays for being an IHG One Rewards member and as much as 2 factors per greenback spent on stays with Silver Elite standing, a good thing about this card)
- 3 factors per greenback spent on utilities, web, cable, cellphone companies and choose streaming companies, at gasoline stations and on restaurant purchases (together with takeout and eligible supply)
- 2 factors per greenback spent on every thing else
Different advantages: This lodge card comes with the distinctive good thing about a fourth-night-free reward, that means you will pay the value of three nights to remain for a complete of 4 nights if you ebook with factors. Plus, you will get a 20% low cost on factors purchases if you pay for these factors together with your card.
Why we prefer it: By being strategic with this card, you may get a ton of worth with out paying an annual price.
For extra particulars, take a look at our full evaluate of the IHG One Rewards Traveler card.
Apply right here: IHG One Rewards Traveler Credit score Card
Alternative Privileges Mastercard
Present welcome bonus: For a restricted time, earn 60,000 bonus factors after spending $1,000 on purchases inside three months of card membership.
Bonus worth: As much as $360.
Incomes charges:
- 5 factors per greenback spent at eligible Alternative Resorts, together with Alternative Privileges level purchases
- 3 factors per greenback spent at gasoline stations, at grocery shops, at dwelling enchancment shops and on cellphone plan companies
- 1 level per greenback spent on different purchases
Different advantages: You will get automated Gold standing within the Alternative Privileges program, which unlocks advantages similar to an elite welcome reward, early check-in and late checkout. You will additionally stand up to $800 of mobile phone safety in opposition to injury or theft if you pay your month-to-month invoice with this card (topic to a $25 deductible), in addition to World Elite Mastercard advantages.
Why we prefer it: Being a Alternative Privileges elite member will improve your lodge expertise, and with this card, you will be granted this standing free of charge. Whereas not essentially the most profitable no-annual-fee lodge card on the market, this card provides simplicity — a cause to maintain it in your pockets annually.
For extra particulars, take a look at our full evaluate of the Alternative Privileges Mastercard.
Apply right here: Alternative Privileges Mastercard
Wyndham Rewards Earner Card
Present welcome bonus: Earn 60,000 factors after spending $2,000 on purchases inside 90 days of account opening. Resort charges might apply and can’t be paid with factors.
Bonus worth: As much as $660.
Incomes charges:
- 5 factors per greenback spent on resorts by Wyndham and gasoline
- 2 factors per greenback spent on eating and at grocery shops (excluding Goal® and Walmart®)
- 1 level per greenback spent on every thing else
Different advantages: With this card, you will get pleasure from no overseas transaction charges and complimentary Gold standing, which ensures free Wi-Fi, most well-liked room choice and late checkout. Moreover, you get the flexibility to redeem 10% fewer Wyndham Rewards factors on your eligible stays. Plus, you earn 7,500 bonus factors every anniversary 12 months after spending $15,000 on eligible purchases.
Why we prefer it: For a card with no annual price, those that keep at Wyndham properties commonly can get appreciable worth from the welcome bonus and ongoing Gold elite standing.
Be taught extra: Wyndham Rewards Earner Card
Associated: Wyndham Rewards: Information to incomes, redeeming and elite standing
Capital One VentureOne Rewards Credit score Card
Present welcome bonus: Earn a bonus of 20,000 miles after spending $500 inside the first three months from account opening.
Bonus worth: $370.
Incomes charges:
- 5 miles per greenback spent on resorts and rental automobiles booked by Capital One Journey
- 1.25 miles per greenback spent on all different purchases
Different advantages: Whereas the lodge playing cards above can get you elite perks or different unique advantages, typically limiting your self to at least one model would not make sense. That is why the VentureOne is our favourite for all lodge stays, because it provides a easy incomes scheme (limitless 1.25 miles per greenback spent on all purchases), plus a fair easier technique to redeem. And in case you ebook by Capital One Journey, you will earn 5 miles per greenback.
You possibly can redeem your miles for any lodge (or different journey) fees in your card. For those who’re a complicated award traveler, you will be glad to know which you could switch your Capital One miles to airline and lodge companions like Air Canada Aeroplan and Singapore KrisFlyer to search out much more potential worth.
Why we prefer it: We like the pliability that the VentureOne provides. You will not get lodge elite standing with this card, however you need to use this card to pay for resorts from any model. If all you are in search of is a technique to earn and redeem your journey rewards, it is a good card for you. Plus, with no overseas transaction charges, you may take the VentureOne with you anyplace.
For extra particulars, take a look at our full evaluate of the Capital One VentureOne.
Be taught extra: Capital One VentureOne Rewards Credit score Card
Backside line
Virtually the entire no-annual-fee lodge playing cards on this information get you automated elite standing. One of the best choose for you’ll first depend upon the lodge chain you like, however take a deeper have a look at the continued rewards price and any extra advantages you may get from the cardboard (similar to no overseas transaction charges or any journey and buy protections).
And keep in mind: Since you are not paying an annual price on any of those playing cards, you will not have to fret about whether or not you are stretching sufficient worth to justify the associated fee annually.
Associated: Earn rewards on a price range with these no-annual-fee bank card methods
For charges and charges of the Hilton Amex card, click on right here.
