No Annual Fee

If you'd like hotel perks but don't want to spend an inordinate amount of money right off the bat, you won't have to look far. Spend your money on what you want to spend it on instead of a yearly fee, with these great hotel credit card offers; none of them feature an annual fee, so you'll find tons of great hotel rewards cards that offer hotel freebies and upgrades - completely at no cost to you. Browse credit card offers from our partners below:

 

Advertiser Disclosure

  • Regular Purchase APR 18.99% or 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 18.99% or 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Mastercard
Best Benefits
  • Earn up to 2 free nights and get automatic Gold Elite status when you open your account
  • Earn up to 32,000 bonus points: Earn 16,000 bonus points after you make your first purchase, and 16,000 bonus points after your first stay at a Best Western
  • Earn 13 points per $1 spent on Best Western stays; earn 2 points per $1 spent everywhere else
  • 10% discount when cardholders select the Best Western Rewards Rate at bwrcarddiscount.com
Rates & Fees
  • Regular Purchase APR: 18.99% or 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 18.99% or 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: EIther $15 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: None
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
  • Regular Purchase APR 15.99% variable based on the Prime Rate
  • Balance Transfer APR 15.99% variable based on the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 6 months after select Disney vacation package or real estate interest purchase in a Disney Vacation Club® Resort
  • Processing Network Visa
Best Benefits
  • Enjoy 10% off on select Disney and Star Wars purchases at Disney stores and shopDisney.com
  • Earn 1% in Disney Reward Dollars on all card purchases with no earning limits
  • Make memories with exclusive photo opportunities with Disney or Star Wars characters in private locations at Disneyland and Walt Disney World Resorts
  • Choose from a variety of Disney-themed card designs
  • No annual Fee
Rates & Fees
  • Intro Purchase APR: 0% for 6 months after select Disney vacation package or real estate interest purchase in a Disney Vacation Club® Resort
  • Regular Purchase APR: 15.99% variable based on the Prime Rate
  • Balance Transfer APR: 15.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
  • Annual Fee: None
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $37
Hilton Honors Card
  • Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio
  • 5X Hilton Honors points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
  • 3X Hilton Honors points on all other eligible purchases
  • Complimentary Hilton Honors Silver status
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.24% variable based on the Prime Rate
  • Annual Fee: None
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Regular Purchase APR 15.99% to 22.99%, based on your creditworthiness and the Prime Rate
  • Balance Transfer APR 15.99% to 22.99%, based on your creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Mastercard
Best Benefits
  • 15X points at IHG Hotels and Resorts worldwide
  • 2X points per $1 spent at gas stations, grocery stores and restaurants
  • 1X points on all other purchases
  • Gold Elite status after spending $10,000
  • Save 20% on point purchases when using your card to purchase points
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 15.99% to 22.99%, based on your creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.99% to 22.99%, based on your creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Annual Fee: None
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
  • Regular Purchase APR 19.99% variable based on the Prime Rate
  • Balance Transfer APR 19.99% variable based on the Prime Rate
  • Cash Advance APR 19.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn 10,000 points when you spend $1,000 in the first 3 billing cycles
  • 3x points and tier credits per $1 spent at M life Rewards Destinations
  • 2x points and tier credits per $1 spent on gas and supermarket purchases, 1x points and tier credits per $1 spent everywhere else
  • Automatic upgrade to Pearl Level status, priority hotel check-in at M life Resorts, and more
Rates & Fees
  • Regular Purchase APR: 19.99% variable based on the Prime Rate
  • Balance Transfer APR: 19.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 19.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: None
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
  • Regular Purchase APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 50,000 bonus points after you spend $1,000 on purchases in your first three months from opening your account
  • 3x points for every $1 spent at over 7,000 participating Marriott Bonvoy™ hotels
  • 2x points for every $1 you spend on travel purchases
  • 1x point for every $1 you spend on all other purchases
  • Receive 15 Elite Night Credits annually - automatically qualify for Silver Elite status
  • No annual fee
  • No foreign transaction fee
Rates & Fees
  • Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of each cash advance, whichever is greater
  • Annual Fee: None
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
  • Regular Purchase APR 22.99% variable based on the Prime Rate
  • Balance Transfer APR 22.99% variable based on the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Visa
Best Benefits
  • Earn 3 points per $1 spent in eligible net purchases at the Radisson Family of Hotels
  • Earn 1 point per $1 spent in eligible net purchases everywhere else
  • Get 30,000 Bonus Points after you spend $1,000 in eligible net purchases on your card within the first 90 days
  • Earn one free e-cert for each $10,000 in spend (up to $30,000/3 nights)
Rates & Fees
  • Regular Purchase APR: 22.99% variable based on the Prime Rate
  • Balance Transfer APR: 22.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 4% of the amount of each cash advance, whichever is greater
  • Annual Fee: None
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
  • Regular Purchase APR 15.74%, 19.99% or 24.99%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.74%, 19.99% or 24.99%, based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 5X Rewards for every $1 spent on all eligible RCI purchases
  • 2X Rewards for every $1 spent on all eligible travel purchases
  • Redeem rewards for RCI Member Rewards credit, cash back, or travel
  • Get 5% Rewards back every time you redeem points
Rates & Fees
  • Regular Purchase APR: 15.74%, 19.99% or 24.99%, based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers made within 45 days from account opening date
  • Balance Transfer APR: 15.74%, 19.99% or 24.99%, based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 25.24% based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Annual Fee: None
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Regular Purchase APR 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 17.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 7 months from account opening datea
  • Processing Network Visa
Best Benefits
  • Earn a statement credit of $150 when you make $1,000 in purchases within the first 90 days of the account open date
  • No annual fee
  • Earn 3x points for every $1 spent on purchases at any Sandals & Beaches resorts
  • Earn 1x point per $1 spent on everyday purchases
Rates & Fees
  • Intro Purchase APR: 0% for 7 months from account opening datea
  • Regular Purchase APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
  • Cash Advance APR: 17.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Direct Deposit and Check Cash Advances: Either $10 or 3% of the amount of each transaction, whichever is greater ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee: None
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $29
  • Regular Purchase APR 15.24%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.24%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date for all Wyndham Timeshare Purchases
  • Processing Network Visa
Best Benefits
  • Earn a free night stay starting at 7,500 points at Wyndham Rewards hotels
  • 3X points per $1 spent on eligible Wyndham purchases
  • 2X points per $1 spent on eligible gas, utility and grocery store purchases
  • 1X points per $1 spent on all other purchases
  • Automatic Wyndham Rewards GOLD membership status
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date for all Wyndham Timeshare Purchases
  • Regular Purchase APR: 15.24%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers made within 45 days from account opening date
  • Balance Transfer APR: 15.24%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Annual Fee: None
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $37
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No Annual Fee Hotel Cards

Reap all the benefits of a co-branded hotel credit card without any of the upfront costs. Although there may be no annual fee, several hotels offer credit cards that boast signup bonuses, bonus points, complimentary stay, award nights, and elevated membership status just as their premium versions of credit cards have.

Analyzing your existing and upcoming travel plans will play the biggest role in determining whether a hotel card without an annual fee is your best option. Heavy travelers will almost always be better served to go with a premium credit card since the majority of hotel reward programs offer perks based on the sheer quantity of hotel bookings.

If you’re not sure what “heavy” entails, take a look at your hotel’s membership chart. Their membership tiers offer an easy insight into the amount of hotel stay you should set as a minimum. If you’re balking at the number of nightly stays it would take to move up from the basic membership level – the free version of a hotel credit card is probably a good match for you. If you find that your upcoming travel plans will land in you in the upper tiers of their membership chart, then consider the premium version of the card.

Should You Apply for a No Annual Fee Card or the Premium Version? 

No annual fee credit cards offer a hassle-free way to expedite your earnings within your favorite hotel loyalty program. Since they don’t require any out-of-pocket fees, these types of cards are perfect for folks who may not travel enough to warrant paying for hotel-related perks.

The easiest way to determine whether applying for a card with an annual fee is right for you is to 1) examine your current traveling habits 2) check if your spending levels match the minimums that premium card requires to qualify for bonuses.

Downgrading to a Card with No Annual Fee 

An alternative reason why you may be considering a hotel card with no annual fee is that your travel needs have changed. Whether you were traveling for business or pleasure, if you’re not flying to destinations as often, you may find no longer need the premium paid version of a hotel credit card or that you are unable to take advantage of the perks the card offers you.

If you find yourself in this boat, downgrading to a no annual fee card is a great alternative to closing a credit card – they account stays open (which is good for your credit history) but you are no longer obligated to pay the costs of the premium card. If you decide to ramp up your travel plans don’t worry, this option works the other way as well.

Say you start off with a no annual fee version of a card and you love the perks. If you’re confident that your upcoming travel plans will be increasing for the next few years, you could upgrade your card to the premium version and experience the top tier of hotel credit card perks.

Whether you want to upgrade or downgrade your credit card, simply call the card issuer and let them know. The one caveat, you may not be eligible to earn the signup bonus of the card you are switching to.

Browse the best no annual fee hotel credit cards and regardless of what you pick, you can rest easy that you’re not “stuck” with the basic version and can always upgrade if you so choose.


Editorial Disclosure
— The opinions expressed on HotelCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, HotelCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.

Advertiser Disclosure: HotelCards is an independent credit card comparison platform. Many of the card offers that appear on this site are from companies from which HotelCards may receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). HotelCards does not include all card companies or all card offers available in the marketplace.

Advertiser Disclosure: HotelCards is an independent credit card comparison platform. Many of the card offers that appear on this site are from companies from which HotelCards may receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). HotelCards does not include all card companies or all card offers available in the marketplace.