Best Hotel Credit Cards with No Annual Fee
Hotel credit cards can be a great way to earn free stays or room upgrades, which can save you a lot of money if you often travel for work or pleasure. There are two types of hotel credit cards: cards that are co-branded with a particular hotel chain and general travel credit cards that offer enhanced points for travel expenses.
With co-branded credit cards, users typically earn the most points and rewards when they use the card with a particular hotel chain. However, some co-branded cards will also allow you to transfer points to airlines or other travel partners.
General travel cards, on the other hand, are not attached to a specific hotel but do offer higher rewards for travel-related purchases. With these cards, you can redeem rewards for free nights, upgraded rooms, flights, and other benefits.
Below you will find three of the best hotel credit cards that charge no annual fee.
Bank of America® Travel Rewards Credit Card
Citi Hilton HHonors Visa Signature Card
If you like staying at Hilton branded hotels, which includes Waldorf Astoria, Conrad, Curio A, Embassy Suites, and others, this credit card allows you to earn six Hilton Honors points per dollar spent at their hotels. Additionally, cardholders earn three points per dollar spent at supermarkets, drugstores, and gas stations, and two points for every dollar spent on other purchases.
In addition to earning points toward free stays and room upgrades, cardholders get access to Visa signature perks, such as roadside assistance, travel accident insurance, and reimbursement for lost luggage.
How to Choose
Before applying for a credit card, you will want to figure out which card will best reward your spending habits. If you rarely stay at Hilton hotels, you will not maximize the rewards with Citi’s Hilton HHonors card. However, you will not earn points as quickly with a more general travel credit card, such as the Capital One VentureOne card.
Additionally, you may want to consider where you do your banking. If you have a Bank of America account, you will earn points much faster with the Bank of America Travel Rewards credit card.