Opposite to fashionable perception, you needn’t pay an eye-watering annual price to get a travel credit card. When you do not journey sufficient to make use of all the advantages that include a top-tier card — or just do not have 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 hotel credit cards, the excellent news is {that a} no-annual-fee card can give you extra advantages than you would possibly count on. 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 resort playing cards may also help you earn perks particular to sure resort chains. That is thanks, partly, to the elevated incomes charges they characteristic while you e-book a keep or make an on-property buy.
The perfect no-annual-fee resort card will range from individual to individual, however among the finest choices at the moment out there embrace the Marriott Bonvoy Bold® Credit Card (see rates and fees) and the Hilton Honors American Express Card (see rates and fees).
Each resort chains provide properties all around the world, that means you’ve got tons of alternatives to earn and redeem factors nearly wherever.
Under, we have rounded up our prime picks for the perfect no-annual-fee resort bank cards that will help you discover the best match to your journey type and price range.
The perfect no-annual-fee resort bank cards
Listed below are our prime picks for the perfect no-annual-fee resort playing cards.
The data for the Selection 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 offered by the cardboard issuer.
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The perfect no-annual-fee resort 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 accommodations, trip leases and rental automobiles booked by way of Capital One Journey
- 1.25 miles per greenback spent on all different purchases
Different advantages: Whereas the resort playing cards above can get you elite perks or different unique advantages, generally limiting your self to 1 model does not make sense. That is why the VentureOne is our favourite for all resort stays, because it provides a easy incomes scheme (limitless 1.25 miles per greenback spent on all purchases), plus a fair less complicated technique to redeem. And when you e-book by way of Capital One Journey, you will earn 5 miles per greenback.
You may redeem your miles for any resort (or different journey) costs in your card. When you’re a sophisticated award traveler, you will be completely happy to know which you could switch your Capital One miles to airline and hotel partners like Air Canada Aeroplan and Singapore KrisFlyer to seek out much more potential worth.
Why we prefer it: We like the pliability that the VentureOne provides. You will not get resort elite standing, however you are not restricted to 1 loyalty program when it is time to redeem miles. If all you are searching for is a technique to earn and redeem your journey rewards, this could possibly be a very good card for you. Plus, with no overseas transaction charges, you’ll be able to take the VentureOne with you wherever.
For extra particulars, take a look at our full review of the Capital One VentureOne.
Study extra: Capital One VentureOne Rewards Credit Card
Selection 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 Selection Motels, together with Selection Privileges level purchases
- 5 factors per greenback spent while you use your card to pay for qualifying purchases of Selection Privileges factors
- 3 factors per greenback spent at fuel stations, at grocery shops, at dwelling enchancment shops and on cellphone plan providers
- 1 level per greenback spent on different purchases
Different advantages: You will get automated Gold standing within the Choice Privileges program, which unlocks advantages equivalent to an elite welcome reward, early check-in and late checkout. You will additionally rise 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 benefits.
Why we prefer it: Being a Selection Privileges elite member will improve your resort expertise, and with this card, you will be granted this standing totally free. Whereas not essentially the most profitable no-annual-fee resort card on the market, this card provides simplicity.
For extra particulars, take a look at our full review of the Choice Privileges Mastercard.
Study extra: Choice 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 immediately with accommodations 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. fuel stations
- 3 factors per greenback spent on different eligible purchases
Different advantages: It is not 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 stays and on a regular basis purchases, you will have secondary rental automobile protection* and no overseas transaction charges (see rates and fees).
*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. Automobile Rental Loss or Harm Protection is obtainable by way of American Specific Journey Associated Companies 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 provides 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 many who get pleasure from staying at Hilton properties however need to hold prices as little as potential.
For extra particulars, take a look at our full review of the Hilton Honors Amex.
Apply right here: Hilton Honors American Express 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 a further 30,000 bonus factors by incomes 3 further 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 Motels & 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 providers and choose streaming providers, at fuel stations and on restaurant purchases (together with takeout and eligible supply)
- 2 factors per greenback spent on every part else
Different advantages: This resort card comes with the distinctive good thing about a fourth-night-free reward, that means you will pay the worth of three nights to remain for a complete of 4 nights while you e-book with factors. Plus, you will 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 will get worth from the fourth-night-free perk.
For extra particulars, take a look at our full review of the IHG One Rewards Traveler card.
Apply right here: IHG One Rewards Traveler Credit 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 accommodations 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 accommodations
- 2 factors per greenback spent at grocery shops, on ride-hailing providers, on choose meals supply providers, on choose streaming providers and on web, cable and cellphone providers
- 1 level per greenback spent on all different purchases
Different advantages: You will develop into an automated Silver Elite member, which will get you perks equivalent to precedence late checkout and 10% bonus factors on stays, as a cardholder. Subsequently, 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. To prime all of it off, there is not any annual price (and no foreign transaction fees).
Why we prefer it: As you construct your credit card portfolio, you will finally desire a card that earns transferable points, together with an airline and a resort card. If Marriott is your resort chain of alternative, the Daring is the right place to begin. With a complimentary jump-start to Silver Elite standing, the chances of reaching increased tiers of Marriott elite standing are limitless.
For extra particulars, take a look at our full review of the Marriott Bonvoy Bold card.
Apply right here: Marriott Bonvoy Bold Credit 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 accommodations and fuel
- 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 will 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 frequently can get appreciable worth from the welcome bonus and ongoing Gold elite standing.
Study extra: Wyndham Rewards Earner Card
Backside line
Nearly the entire no-annual-fee resort playing cards on this information get you automatic elite status. The perfect decide for you’ll first rely on the resort chain you like, however take a deeper take a look at the continued rewards price and any further advantages you will 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 enough value to justify the cost each year.
Associated: Earn rewards on a budget with these no-annual-fee credit card strategies
For charges and costs of the Hilton Amex card, click on here.
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