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Opposite to in style perception, you needn’t pay an eye-watering annual price to get a journey bank card. In case you 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 every year — 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 would possibly anticipate. Some playing cards include complimentary elite standing, whereas others arrange a pathway towards incomes it by way of spending.
Relying on the product you select, no-annual-fee cobranded lodge playing cards may help you earn perks particular to sure lodge chains. That is thanks, partly, to the elevated incomes charges they characteristic while you guide a keep or make an on-property buy.
The very best no-annual-fee lodge card will range from individual to individual, however among the finest choices at present obtainable embody the Marriott Bonvoy Daring® Credit score Card (see charges and costs) and the Hilton Honors American Specific Card (see charges and costs).
Each lodge chains supply properties everywhere in the world, which means you will have tons of alternatives to earn and redeem factors virtually anyplace.
Under, we have rounded up our prime picks for the perfect no-annual-fee lodge bank cards that will help you discover the correct match to your journey fashion and price range.
The very best no-annual-fee lodge bank cards
Listed below are our prime picks for the perfect no-annual-fee lodge playing cards.
The knowledge for the Alternative Privileges and Wyndham Rewards Earner Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
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The very best no-annual-fee lodge bank cards
Capital One VentureOne Rewards Credit score Card
Present welcome bonus: Earn 20,000 bonus miles after spending $500 on purchases within the first three months from account opening.
Bonus worth: $370, in response to TPG January 2026 valuations.
Incomes charges:
- 5 miles per greenback spent on resorts, trip leases and rental vehicles booked by way of 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, generally limiting your self to at least one model does not make sense. That is why the VentureOne is our favourite for all lodge stays, because it presents a easy incomes scheme (limitless 1.25 miles per greenback spent on all purchases), plus a fair easier strategy to redeem. And for those who guide by way of Capital One Journey, you may earn 5 miles per greenback.
You’ll be able to redeem your miles for any lodge (or different journey) prices in your card. In case you’re a sophisticated award traveler, you may be blissful to know that you would be able to 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 presents. You will not get lodge elite standing, however you are not restricted to at least one loyalty program when it is time to redeem miles. If all you are on the lookout for is a strategy to earn and redeem your journey rewards, this might be a superb card for you. Plus, with no overseas transaction charges, you may take the VentureOne with you anyplace.
For extra particulars, try our full assessment of the Capital One VentureOne.
Be taught extra: Capital One VentureOne Rewards Credit score Card
Alternative Privileges Mastercard
Present welcome bonus: Earn 60,000 bonus factors after spending $1,000 on purchases within the first three months from account opening.
Bonus worth: $360, in response to TPG January 2026 valuations.
Incomes charges:
- 5 factors per greenback spent at eligible Alternative Accommodations, together with Alternative Privileges level purchases
- 5 factors per greenback spent while you use your card to pay for qualifying purchases of Alternative Privileges factors
- 3 factors per greenback spent at gasoline stations, at grocery shops, at residence enchancment shops and on cellphone plan companies
- 1 level per greenback spent on different purchases
Different advantages: You will get computerized Gold standing within the Alternative Privileges program, which unlocks advantages equivalent to an elite welcome present, early check-in and late checkout. You will additionally stand up to $800 of mobile phone safety towards harm or theft while 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 may be granted this standing totally free. Whereas not essentially the most profitable no-annual-fee lodge card on the market, this card presents simplicity.
For extra particulars, try our full assessment of the Alternative Privileges Mastercard.
Be taught extra: Alternative Privileges Mastercard
Hilton Honors American Specific Card
Present welcome bonus: Earn 80,000 bonus factors after spending $2,000 on purchases within the first six months of card membership.
Bonus worth: $400, in response to TPG January 2026 valuations.
Incomes charges:
- 7 factors per greenback spent on eligible purchases made straight 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 typically {that a} no-annual-fee card gives 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 fee on Hilton stays and on a regular basis purchases, you may have secondary rental automobile protection* and no overseas transaction charges (see charges and costs).
*Eligibility and Profit degree varies by Card. Phrases, Situations and Limitations Apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by AMEX Assurance Firm. Automotive Rental Loss or Injury Protection is obtainable by way of American Specific Journey Associated Providers Firm, Inc.
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 presents a wholesome stash of Hilton Honors factors and ample methods to proceed incomes in your on a regular basis spending. We suggest this card for individuals who get pleasure from staying at Hilton properties however need to hold prices as little as potential.
For extra particulars, try our full assessment of the Hilton Honors Amex.
Apply right here: Hilton Honors American Specific Card
IHG One Rewards Traveler Credit score Card
Present welcome bonus: Earn as much as 120,000 bonus factors: 90,000 bonus factors after spending $2,000 on purchases within the first three months from account opening, plus as much as an extra 30,000 bonus factors by incomes 3 extra factors per greenback on purchases that earn 2 and three factors per greenback on as much as $10,000 spent within the first six months.
Bonus worth: As much as $600, in response to TPG January 2026 valuations.
Incomes charges:
- As much as 17 factors per greenback spent at IHG Accommodations & 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 advantage of 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 all the pieces else
Different advantages: This lodge card comes with the distinctive advantage of a fourth-night-free reward, which means you may pay the value of three nights to remain for a complete of 4 nights while you guide with factors. Plus, you may get a 20% low cost on factors purchases while you pay for these factors along with your card.
Why we prefer it: By being strategic with this card, you may get worth from the fourth-night-free perk.
For extra particulars, try our full assessment of the IHG One Rewards Traveler card.
Apply right here: IHG One Rewards Traveler Credit score Card
Marriott Bonvoy Daring Credit score Card
Present welcome bonus: Earn two free evening awards (valued at as much as 50,000 factors every) after spending $1,000 on purchases within the first three months of account opening. Sure resorts have resort charges.
Bonus worth: As much as $700, in response to TPG January 2026 valuations.
Incomes charges:
- 3 factors per greenback spent at taking part 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 out to be an computerized Silver Elite member, which will get you perks equivalent to precedence late checkout and 10% bonus factors on stays, as a cardholder. Subsequently, you may 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 prime all of it off, there isn’t any annual price (and no overseas transaction charges).
Why we prefer it: As you construct your bank card portfolio, you may ultimately need a card that earns transferable factors, together with an airline and a lodge card. If Marriott is your lodge chain of alternative, the Daring is the proper place to start out. With a complimentary jump-start to Silver Elite standing, the chances of reaching larger tiers of Marriott elite standing are limitless.
For extra particulars, try our full assessment of the Marriott Bonvoy Daring card.
Apply right here: Marriott Bonvoy Daring Credit score Card
Wyndham Rewards Earner Card
Present welcome bonus: Earn 30,000 factors after spending $1,000 on purchases inside 90 days of account opening. Resort charges could apply and can’t be paid with factors.
Bonus worth: $330, in response to TPG January 2026 valuations.
Incomes charges:
- 5 factors per greenback spent on Wyndham resorts and gasoline
- 2 factors per greenback spent on eating and at grocery shops (excluding Goal® and Walmart®)
- 1 level per greenback spent on all different purchases (excluding Wyndham Trip Membership down funds)
Different advantages: With this card, you may get pleasure from no overseas transaction charges and complimentary Gold standing, which ensures free Wi-Fi, most popular room choice and late checkout. Moreover, you get the flexibility to redeem 10% fewer Wyndham Rewards factors to 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 recurrently can get appreciable worth from the welcome bonus and ongoing Gold elite standing.
Be taught extra: Wyndham Rewards Earner Card
Backside line
Virtually the entire no-annual-fee lodge playing cards on this information get you computerized elite standing. The very best decide for you’ll first rely on the lodge chain you favor, however take a deeper take a look at the continued rewards fee and any extra advantages you may get from the cardboard (equivalent to no overseas transaction charges or any journey and buy protections).
And bear 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 fee every year.
Associated: Earn rewards on a price range with these no-annual-fee bank card methods
For charges and costs of the Hilton Amex card, click on right here.
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