On this planet of factors and miles, resort bank cards play an integral position, as they might help unlock your subsequent resort room door quicker. Among the best elements of getting a resort bank card is that you simply earn a profitable welcome bonus that may get you a handful of free nights.
Sadly, the most important welcome bonuses often require important spending (usually a number of thousand {dollars}) to earn them.
If you wish to earn a resort welcome bonus with out breaking the financial institution, listed below are eight playing cards that require spending $3,000 or much less. Even higher, none of those playing cards have an annual price increased than $99, with a pair even having no annual price.
These playing cards are nice in case you’re opening your first journey bank card and are not sure you may meet a excessive minimal spending requirement. You can earn a priceless bonus with out spending greater than you usually would.
Finest resort bank cards with low spending necessities
The knowledge for the Wyndham Rewards Earner Card and the Wyndham Rewards Earner Plus 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.
Comparability of one of the best resort bank cards with low spending necessities
| Card | Welcome bonus | Incomes charges | Annual price |
|---|---|---|---|
| Selection Privileges Mastercard | Restricted-time provide: Earn 60,000 bonus factors after spending $1,000 on purchases within the first three months of account opening — sufficient to redeem for as much as seven reward nights at choose Selection Lodges properties. Extra charges could apply. |
|
$0 |
| Selection Privileges Choose Mastercard | Earn 60,000 bonus factors after spending $3,000 on purchases within the first three months of account opening — sufficient to redeem for as much as seven reward nights at choose Selection Lodges properties. Extra charges could apply. |
|
$95 |
| Hilton Honors American Categorical Card | Earn 100,000 bonus factors and a $100 assertion credit score after spending $2,000 on eligible purchases within the first six months of card membership. This provide ends Aug. 13. |
|
$0 (see charges and costs) |
| Marriott Bonvoy Daring Credit score Card | Earn 30,000 bonus factors after spending $1,000 on purchases within the first three months of account opening. |
|
$0 |
| Marriott Bonvoy Boundless Credit score Card | Earn three free night time awards (every night time valued at as much as 50,000 factors, for as much as 150,000 factors complete) after spending $3,000 on purchases within the first three months of account opening. Sure inns have resort charges. |
|
$95 |
| One Key+ Card | Earn a limited-time provide of $600 in OneKeyCash after spending $3,000 on purchases inside the first three months of account opening. |
|
$99 |
| Wyndham Rewards Earner Card | Earn 30,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening. |
|
$0 |
| Wyndham Rewards Earner Plus Card | Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening. |
|
$75 |
Selection Privileges Mastercard
Welcome bonus: Restricted-time provide: Earn 60,000 bonus factors after spending $1,000 on purchases within the first three months of account opening — sufficient to redeem for as much as seven reward nights at choose Selection Lodges properties. Extra charges could apply.
Primarily based on TPG’s July 2025 valuations, this bonus is price $360.
Annual price: $0.
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Why we prefer it: Cardholders get automated Gold elite membership. Plus, they will obtain 10 elite night time credit annually and mobile phone safety, a profit often discovered on playing cards with annual charges.
To be taught extra, learn our full evaluate of the Selection Privileges Mastercard.
Apply right here: Selection Privileges Mastercard
Associated: Selection Privileges program: Tips on how to earn and redeem factors, elite standing and extra
Selection Privileges Choose Mastercard
Welcome bonus: Earn 60,000 bonus factors after spending $3,000 on purchases within the first three months of account opening — sufficient to redeem for as much as seven reward nights at choose Selection Lodges properties. Extra charges could apply.
Primarily based on TPG’s July 2025 valuations, this bonus is price $360.
Annual price: $95.
Why we prefer it: The Selection Privileges Choose card affords advantages like 30,000 bonus factors each account anniversary and an as much as $120 assertion credit score for International Entry or TSA PreCheck. Plus, you will get 20 elite night time credit, which grants you not less than Platinum standing (that tier consists of advantages like a welcome reward, early check-in and late checkout) annually and likewise will get you midway to Diamond standing.
To be taught extra, learn our full evaluate of the Selection Privileges Choose Mastercard.
Apply right here: Selection Privileges Choose Mastercard
Associated: 12 really particular luxurious inns and resorts you may ebook with factors
Hilton Honors American Categorical Card
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. This provide ends Aug. 13.
Annual price: $0.
Why we prefer it: The Hilton Honors American Categorical Card has no annual price and grants complimentary Hilton Honors Silver standing, which will get you entry to Hilton’s fifth-night-free profit on award stays. It additionally has a stable incomes price at Hilton properties and a pleasant welcome bonus that may get you quite a few award nights (particularly in case you reap the benefits of the fifth night time free).
Even in case you keep at Hilton properties just a few occasions annually, this card could possibly be price retaining in your pockets 12 months after 12 months.
To be taught extra, learn our full evaluate of the Hilton Honors Amex.
Apply right here: Hilton Honors Card from American Categorical
Associated: Final information to the Hilton Honors loyalty program
Marriott Bonvoy Daring Credit score Card
Welcome bonus: Earn 30,000 bonus factors after spending $1,000 on purchases within the first three months of account opening.
Primarily based on TPG’s July 2025 valuations, this bonus is price $210.
Annual price: $0.
Why we prefer it: Bonvoy Daring cardholders obtain Marriott perks like Marriott Bonvoy Silver Elite standing and 10% bonus factors. Plus, you will get a handful of journey protections and have the flexibility to pay purchases off over time. This card could possibly be a stable addition to your pockets in case you sometimes keep at Marriott properties and wish to jump-start incomes elite standing with out paying an annual price.
To be taught extra, learn our full evaluate of the Marriott Bonvoy Daring.
Apply right here: Marriott Bonvoy Daring Credit score Card
Associated: 30 finest Marriott inns on the earth that you could ebook with factors
Marriott Bonvoy Boundless Credit score Card
Welcome bonus: Earn three nights (every night time valued at as much as 50,000 factors, for a complete of as much as 150,000 factors in worth) after spending $3,000 on purchases within the first three months from account opening. Sure inns have resort charges.
Primarily based on TPG’s July 2025 valuations, this bonus is price as much as $1,050.
Annual price: $95.
Why we prefer it: The Marriott Bonvoy Boundless is a stable sub-$100 annual price possibility. You may obtain a plethora of perks, like Silver Elite standing, 5 elite night time credit and an anniversary free night time award (as much as 35,000 factors). This card could possibly be a wonderful addition to your pockets, whether or not you keep at Marriott properties usually or not.
As a frequent Marriott traveler who would not maintain a cobranded card, this card can be my high choose for many Marriott vacationers.
To be taught extra, take a look at our full evaluate of the Marriott Bonvoy Boundless.
Apply right here: Marriott Bonvoy Boundless Credit score Card
Associated: Tips on how to earn and use a Marriott Bonvoy 35,000-point certificates
One Key+ Card
Welcome provide: Earn a limited-time provide of $600 in OneKeyCash after spending $3,000 on purchases inside the first three months of account opening.
Annual price: $95.
Why we like: Whereas I am not one to often ebook inns by way of an on-line journey company like Expedia or Lodges.com, this can be a stable possibility for these with no allegiance to any resort chain.
Plus, in case you choose trip leases for stays, you will earn bonus rewards when reserving with Vrbo. You may additionally obtain perks like $100 in OneKeyCash every anniversary (which may absolutely cowl the annual price), a International Entry or TSA PreCheck credit score, One Key Gold standing and mobile phone safety.
To be taught extra, learn our full evaluate of the One Key+ Card.
Apply right here: One Key+ Card
Associated: I hardly ever keep at main resort chains — this is how I maximize my reward journey anyway
Wyndham Rewards Earner Card
Welcome bonus: Earn 30,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening.
Primarily based on TPG’s July 2025 valuations, this provide is price $330.
Annual price: $0.
Why we like: This card offers Wyndham Gold elite standing (which incorporates many advantages, corresponding to early check-in, late checkout and bonus earnings), good incomes charges at Wyndham properties, reductions on award stays and 6,000 anniversary bonus factors.
With no annual price, this could possibly be a stable long-term card in case you like to remain at Wyndham properties. Plus, in case you’re a fan of Las Vegas and have Platinum standing, there’s the flexibility to match your standing to Caesars Rewards standing.
To be taught extra, take a look at our full evaluate of the Wyndham Rewards Earner Card.
Associated: Which Wyndham Rewards bank card is best for you?
Wyndham Rewards Earner Plus Card
Welcome provide: Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening.
Primarily based on TPG’s July 2025 valuations, this provide is price $495.
Annual price: $75.
Why we prefer it: The Wyndham Rewards Earner Plus is the massive brother of the Wyndham Rewards Earner Card. You may obtain the identical perks, plus 7,500 bonus factors every account anniversary and Wyndham Rewards Platinum standing. Wyndham affords a fixed-rate award chart, making redemptions simple.
TPG lead author Katie Genter has used Wyndham factors for 15,000-point nights in Hawaii and seven,500-point nights in South Korea and has gotten glorious worth redeeming factors for Vacasa stays, although that is tougher to do now with the decrease cap on the common value per bed room for 15,000-point nights.
To be taught extra, see our full evaluate of the Wyndham Rewards Earner Plus Card.
Associated: Wyndham Rewards: Information to incomes, redeeming and elite standing
Execs and cons of resort playing cards with low minimal spending necessities
Lodge playing cards with low spending necessities are usually entry or midlevel playing cards. Having one among these is a good way to get you began in a resort chain’s ecosystem. By holding one among these playing cards, you can get some free nights or factors from the welcome bonus, earn factors in your stays and jump-start and even obtain automated elite standing.
A few of these playing cards are even simpler to get accepted for than their premium counterparts, as you simply want a good credit score rating. Moreover, for the reason that spending necessities are decrease, you can even open a number of resort playing cards and earn a number of totally different welcome bonuses to diversify your factors.
The primary draw back of the minimal spending necessities is that the welcome bonuses usually aren’t as profitable. Nonetheless, you can begin with these playing cards and improve to extra premium resort playing cards in a while.
Most of the finest rewards bank cards have minimal spending necessities of $5,000 or much less, with even larger and higher welcome bonuses you may reap the benefits of when you get the grasp of incomes and redeeming factors.
Backside line
Staying in inns would not have to interrupt the financial institution. There are quite a few resort rewards bank card choices that may assist you cut back the prices. Many provide priceless welcome bonuses that may be price lots of and even near $1,000. These playing cards haven’t got hefty minimal spending necessities, and you’ll meet them organically by way of on a regular basis spending.
These playing cards present one of the best of each worlds by permitting you to reward your self to your on a regular basis purchases with out having to decide to placing quite a lot of bills on a card.
Associated: How to decide on a resort bank card
For charges and costs of the Hilton Honors Amex Card, click on right here.
