Best Hotel Credit Cards with No Annual Fee

Best Hotel Credit Cards with No Annual Fee

December 2, 2019         Written By Bill Hardekopf

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.

Capital One VentureOne Rewards Credit Card

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The Capital One VentureOne Rewards credit card offers an introductory 0% APR on purchases for 12 months, and has no balance transfer fee. Additionally, users will earn a one-time bonus of 20,000 miles, which is equal to $200 in travel, when they spend $1,000 within the first three months of opening their account. Cardholders earn 1.25 miles per dollar spent on all purchases.

Bank of America® Travel Rewards Credit Card

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Bank of America also offers a very competitive card for the the traveler: the Bank of America® Travel Rewards Credit Card. The card offers 1.5 points per dollar spent on all purchases with no limit, and the rewards never expire. Each point is worth one cent as a statement credit towards travel purchases, including hotels, flights, vacation packages, rental cards, cruises and baggage fees. If you’re a Preferred Rewards client, you can increase that bonus to 25% – 75%. New cardholders can earn 25,000 online bonus points if they spend $1,000 on their card within the first 90 days of opening the account. That is worth $250 in travel statement credits. New customers will get 12 billing cycles of 0% APR on new purchases. After the introductory rate expires, the standard APR of 16.49% - 24.49% Variable APR on purchases will apply, depending on your credit worthiness. The card has no annual fee, and something very important to travelers: no foreign transaction fees will be placed on transactions made outside of the United States.

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.

The information contained within this article was accurate as of December 2, 2019. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.


About Bill Hardekopf

Bill Hardekopf is the CEO of and covers the credit card industry from all perspectives. Bill has been involved with personal finance for over 15 years. He is a frequent contributor to Forbes, The Street and The Christian Science Monitor.
View all posts by Bill Hardekopf
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