Which hotel credit cards have free nights?

There are many hotel credit cards that offer a free night certificate on your account anniversary. In fact, just about every major chain offers one. Refer to the cards listed in our post for each chain for all of the details.

What is the best hotel credit card?

The best hotel credit card is the one that you get the most value from! Meaning there really isn’t a best card per se, but rather a card that is best for you based on your travel habits. If you never stay at Marriott hotels, then it makes no sense for you to have a Marriott Bonvoy credit card, no matter how great it may be. Think about your travel patterns and the hotel group you prefer to stay with, and then get a card from that chain to help enhance those stays.

How do hotel credit card free night certificates work?

For the most part, each year on your account anniversary you will receive a certificate that is valid for select properties that cost a set number of points, though some certificates can be redeemed at any property. You can then redeem your certificate for a free night at one of those eligible properties similar to how you would if you were booking a free night with points.

Are there hotel credit cards with no annual fee?

Yes, there are hotel credit cards that do not charge an annual fee. But there are none that offer a free night certificate as a benefit of holding the card. So if that is something you’re looking for, you’ll want to consider a hotel card that does charge an annual fee.

Are hotel credit cards worth it?

If you stay with any hotel chain at least once a year and would benefit from earning extra points on your stays, getting elite status, having perks like late checkout, and getting a free night certificate each year, then yes, having a hotel credit card is definitely worth it.

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8 Best Hotel Credit Cards for a Free Night Certificate [2024]

Updated: September 25, 2024, 10:00am CDT

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Table of Contents

Why You Should Consider a Hotel Credit Card
The 8 Best Credit Cards That Offer Free Night Certificates
Final Thoughts

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One of the best and most rewarding things about hotel co-branded credit cards is that many offer a free night certificate each year on your card’s renewal date. For many travelers, the value that they receive from these annual free night certificates completely offsets what they pay in the annual fee and then some!

Of course, not all free night certificates are created equally; some can be significantly more valuable than others, depending on how you use them. In this guide, we will take a look at the best credit cards that offer a free night certificate across 5 major hotel chains and why you should consider adding a hotel credit card to your wallet.

Why You Should Consider a Hotel Credit Card

You might be wondering, “Why should I have a hotel credit card instead of 1 that earns transferable points?” Well, while every points and miles traveler should have a transferable rewards credit card as their go-to, adding a hotel credit card can also help upgrade your travels even further.

For example, in addition to a free night certificate, almost every hotel credit card offers benefits designed to improve your hotel stay, like complimentary elite status, additional points on stays, and even credits for use at the hotel.

Having complimentary elite status with a hotel can get you perks like room upgrades, free breakfast, early check-in, and late checkout. So, if you stay with a particular hotel group at least a few times a year, you can benefit tremendously by keeping a hotel credit card in your wallet.

Here is a look at some of the best cards that can offer you a free night certificate at 5 of the most popular hotel chains.

The 8 Best Credit Cards That Offer Free Night Certificates

If you’re wondering which credit card free night certificates can offer you the most value, we’ve got you covered! Below we’ve placed a monetary value on each certificate and ranked them in descending order.

To determine a value for a given free night certificate, we took the highest point value for which a free night certificate could be redeemed and then multiplied that by our cent per point valuations for that hotel group. We then discounted that figure by 10% because a free night certificate is less flexible than its points equivalent and rounded up to the nearest whole number.

For example, 35,000 Marriott Bonvoy points are worth $245 based on our valuations. But after the 10% discount, we’ve assigned the value of a Marriott free night certificate (redeemable at a hotel costing up to 35,000 points per night) at $220 due to its lack of flexibility in comparison.

We’ve also only included cards in our rankings that offer an annual free night, or points, as a benefit of holding the card and have omitted cards that require you to meet a certain level of spend in a calendar year to receive one.

Of course, any valuation for points or free night certificates is entirely subjective, so feel free to do your own analysis to determine what a card’s free night certificate is worth to you based on your personal travel habits.

With that said, here are our top 8 most valuable credit card free night certificates:

Card Overview

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Card	Welcome Offer and Annual Fee	Free Night Certificate Benefit and Value
Hilton Honors American Express Aspire Card	LIMITED TIME OFFER175,000 pointsHilton Honors American Express Aspire CardEarn 175,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 8/13/2025. Annual fee of $550	Free night award with your new card and every year after renewal Earn another free night award after spending $30,000 on the card within a calendar year Earn another free night award after spending $60,000 on the card within a calendar year $642 value
Marriott Bonvoy Brilliant^® American Express^® Card	Up to 150,000 pointsMarriott Bonvoy Brilliant^® American Express^® CardEarn up to 150,000 Marriott Bonvoy^® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership. Annual fee of $650 (rates & fees)	Free night award every year after account anniversary (valued up to 85,000 points) $575 value
The World of Hyatt Credit Card	Up to 60,000 pointsThe World of Hyatt Credit CardEarn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent. Annual fee of $95	Free night certificate f0r a Category 1 to 4 hotel Earn another free night certificate after spending $15,000 on the card within a calendar year $243 value each
Marriott Bonvoy Boundless^® Credit Card	5 Free Night AwardsMarriott Bonvoy Boundless^® Credit CardOur best offer is back! Earn 5 Free Nights (each night valued up to 50,000 points) after spending $5,000 on eligible purchases within 3 months of account opening with your Marriott Bonvoy Boundless^® Credit Card. Certain hotels have resort fees. Annual fee of $95	Free night award every year after account anniversary (valued up to 35,000 points) $220 value
Marriott Bonvoy Business^® American Express^® Card	3 Free Night AwardsMarriott Bonvoy Business^® American Express^® CardWELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy^® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees. Terms apply. Annual fee of $125 (rates & fees)	Free night award every year after account anniversary (valued up to 35,000 points) Earn another free night award (valued up to 35,000 points) after spending $60,000 on the card within a calendar year $220 value each
IHG One Rewards Premier Credit Card	BEST OFFER OF 20255 Free NightsIHG One Rewards Premier Credit CardEarn 5 Free Nights – valued at up to 300,000 total points – after spending $5,000 on purchases in the first 3 months from account opening. Each Free Night is valued at up to 60,000 points. Annual fee of $99	Free night award every year after account anniversary (valued up to 40,000 points) $180 value
Wyndham Rewards^® Earner℠ Business Card	Up to 75,000 pointsWyndham Rewards^® Earner℠ Business CardEarn 50,000 bonus points after spending $4,000 on purchases and paying the annual fee in full, both within the first 90 days. Also, earn 25,000 bonus points after spending $12,000 on purchases within the first 365 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points. Annual fee of $95	15,000 bonus points each anniversary year (enough for up to 2 free nights) $135 value
Wyndham Rewards^® Earner℠ Plus Card	45,000 pointsWyndham Rewards^® Earner℠ Plus CardEarn 45,000 bonus points, enough for up to 6 free nights at participating properties after spending $1,000 on purchases in the first 90 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points. Annual fee of $75	7,500 bonus points each anniversary year (enough for up to 1 free night) $67.50 value

Hilton Honors American Express Aspire Card ($428 Value)

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Hilton Honors American Express Aspire Card

U.P. Rating

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

All information about Hilton Honors American Express Aspire Card has been collected independently by Upgraded Points.

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Hilton Honors American Express Aspire Card

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

Welcome OfferEarn 175,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 8/13/2025.
175,000 points

UP's Offer Valuation*:
$875

Annual Fee

$550

APR

20.24% - 29.24% Variable

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.

The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists, but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.

So let’s have a look at what makes the card so valuable to travelers.

Pros & Cons

Pros

14x points per $1 on Hilton purchases
7x points per $1 on select travel and at U.S. restaurants
3x points per $1 on all other eligible purchases

Cons

High annual fee of $550

Read Full Review

Card Highlights

Earn 175,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 8/13/2025.
Earn 14x Hilton Honors Bonus Points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio
Earn 7x Hilton Honors Bonus Points for eligible travel purchases: on flights booked directly with airlines or AmexTravel.com and on car rentals booked directly from select car rental companies
Earn 7x Hilton Honors Bonus Points on dining at U.S. restaurants, including takeout and delivery
Earn 3x Hilton Honors Bonus Points for other eligible purchases on your card
Enjoy up to $400 in Hilton Resort Credits (up to $200 in statement credits semi-annually) on your card each anniversary year when you stay at participating resorts within the Hilton portfolio
Enjoy complimentary Diamond status
$550 annual fee

Financial Snapshot

APR: 20.24% - 29.24% Variable
Foreign Transaction Fees: None

The Hilton Aspire card provides 1 free night award with your new card and every year after renewal. You can earn an additional night after you spend $30,000 on purchases, and an additional free night after $60,000 on purchases on your card in a calendar year.

The free night award is valid at virtually any Hilton property in the world, with a few notable exceptions like all-inclusive resorts, most Hilton Grand Vacations properties, and other select “distinctive resorts.” Hilton free night certificates used to only be good on weekend nights, but now Hilton free night certificates can be redeemed on any day of the week.

Hilton no longer publishes an award chart, but top-tier hotels in the program can cost up to 95,000 points per night, like the luxurious Hilton Seychelles Labriz Resort and Spa.

Marriott Bonvoy Brilliant^® American Express^® Card ($575 Value)

Terms Apply / Rates & Fees

Marriott Bonvoy Brilliant^® American Express^® Card

U.P. Rating

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Marriott Bonvoy Brilliant^® American Express^® Card

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Welcome OfferEarn up to 150,000 Marriott Bonvoy® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
Up to 150,000 points

UP's Offer Valuation*:
Up to   $1,050

Annual Fee

$650

APR

20.24%-29.24% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

The Marriott Bonvoy Brilliant^® American Express^® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.

So is the card a worthwhile addition to your wallet?

Pros & Cons

Pros

6x points per $1 at hotels participating in Marriott Bonvoy program
3x points per $1 on flights booked directly with airlines and restaurants worldwide
2x points per $1 on all other purchases

Cons

Steep annual fee of $650 (rates & fees)
6x points per $1 is the same earn rate offered with lower annual fee alternatives like the Marriott Bonvoy Bevy^® American Express^® Card

Read Full Review

Card Highlights

Earn up to 150,000 Marriott Bonvoy^® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
$300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant^® American Express^® Card at restaurants worldwide.
With Marriott Bonvoy^® Platinum Elite Status, you can receive room upgrades, including enhanced views or suites, when the stay is booked with a Qualifying Rate at hotels that participate in Marriott Bonvoy, subject to availability upon check-in.
Earn 6X Marriott Bonvoy^® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy^®. Earn 3X Marriott Bonvoy^® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy^® points on all other eligible purchases made on the Marriott Bonvoy Brilliant^® American Express^® Card.
Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy^® points) at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant^® American Express^® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Marriott Bonvoy^® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton^® or St. Regis^® when you book direct using a special rate for a two-night minimum stay using your Card.
Fee Credit for Global Entry or TSA PreCheck^®: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck^® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant^® American Express^® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Each calendar year with your Marriott Bonvoy Brilliant^® American Express^® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy^® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
Enroll in Priority Pass Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
No Foreign Transaction Fees on international purchases.
With Cell Phone Protection*, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. *Coverage is provided by New Hampshire Insurance Company, an AIG Company.
$650 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Financial Snapshot

APR: 20.24%-29.24% Variable
Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

Marriott’s premium card option, the Marriott Bonvoy Brilliant card, offers 1 free night certificate every year on your account anniversary that can be used at any Marriott hotel costing at or under 85,000 Marriott Bonvoy points.

Castillo Hotel Son Vida, a Luxury Collection Hotel, Mallorca is a great redemption possibility here — it’s one of Spain’s most elite luxury resorts, overlooks the Bay of Palma, and is in a 13th-century hillside castle!

The World of Hyatt Credit Card ($243 Value)

The World of Hyatt Credit Card

U.P. Rating

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

Apply Now(at Chase's secure site)

The World of Hyatt Credit Card

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

Welcome OfferEarn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Up to 60,000 points

UP's Offer Valuation*:
$900

Annual Fee

$95

APR

19.99% - 28.49% Variable

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.

When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.

Pros & Cons

Pros

Up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
1x point per $1 on all other purchases

Cons

$95 annual fee

Read Full Review

Card Highlights

Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Member FDIC

Financial Snapshot

APR: 19.99% - 28.49% Variable
Foreign Transaction Fees: None

Rewards Center

World of Hyatt

With the World of Hyatt card, cardholders receive a free night certificate that can be redeemed at any Category 1 to 4 Hyatt hotel, plus the opportunity to earn another free night certificate after spending $15,000 on the card within a calendar year.

As part of World of Hyatt’s Milestone Rewards, members can earn an additional Category 1 to 4 free night certificate after completing 30 elite nights, and a Category 1 to 7 free night certificate after 60 elite nights. But thanks to the World of Hyatt card’s automatic 5 elite nights credits, the number of nights you’ll actually need drops to 25 and 55, respectively.

Andaz Savannah and Thompson Washington D.C., both Category 4 hotels, are great options since they are both located in popular destinations.

Marriott Bonvoy Boundless^® Credit Card ($220 Value)

Marriott Bonvoy Boundless^® Credit Card

U.P. Rating

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

Apply Now(at Chase's secure site)

Marriott Bonvoy Boundless^® Credit Card

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

Welcome OfferOur best offer is back! Earn 5 Free Nights (each night valued up to 50,000 points) after spending $5,000 on eligible purchases within 3 months of account opening with your Marriott Bonvoy Boundless® Credit Card. Certain hotels have resort fees.
5 Free Night Awards

UP's Offer Valuation*:
Up to   $1,750

Annual Fee

$95

APR

19.99% - 28.49% Variable

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless^® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.

Pros & Cons

Pros

Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
Earn big at grocery stores, gas stations, and dining
Automatic Silver Elite Status

Cons

$95 annual fee
Marriott Silver Elite Status is the lowest status tier

Read Full Review

Card Highlights

Our best offer is back! Earn 5 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Boundless^® Card.
Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
Member FDIC

Financial Snapshot

APR: 19.99% - 28.49% Variable
Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

The lower annual fee Marriott Boundless card also offers an annual free night certificate, but it is limited to hotels costing up to 35,000 Marriott Bonvoy points per night.

For a great use of your certificate, W Brisbane is a sleek, hip property ideally located in Central Business District (CBD).

Marriott Bonvoy Business^® American Express^® Card ($220 Value)

Terms Apply / Rates & Fees

Marriott Bonvoy Business^® American Express^® Card

U.P. Rating

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Apply Now(at Amex's secure site)

Marriott Bonvoy Business^® American Express^® Card

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Welcome OfferWELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
3 Free Night Awards

UP's Offer Valuation*:
Up to   $1,050

Annual Fee

$125

APR

20.24% - 29.24% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business^® American Express^® Card. The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Gold Elite status, and multiple point redemption options.

Pros & Cons

Pros

6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy^® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points per $1 on all other purchases

Cons

Moderate annual fee of $125 (rates and fees)
No premium perks like airport lounge access

Read Full Review

Card Highlights

WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy^® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees. Terms apply.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy^® member & a Marriott Bonvoy Business^® American Express^® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy^® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy^® points) at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business^® American Express^® Card.
Terms apply.

Financial Snapshot

APR: 20.24% - 29.24% Variable
Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

Those with the Marriott Bonvoy Business card will earn 1 free night certificate useable at any Marriott hotel costing up to 35,000 points, plus the ability to earn an additional certificate after you spend $60,000 in purchases on your card in a calendar year.

The JW Marriott Phu Quoc Emerald Bay Resort & Spa is one such property that would be eligible for your free night; it offers 5 restaurants, a spa, gym, hot tub, 3 outdoor pools, a kids’ club, and a private beach.

Hot Tip: Have free night certificates from multiple Marriott Bonvoy credit cards? You can stack those free night certificates to book a longer award stay! If you are interested in a property with a higher points cost than your certificate allows, you can also top up your certificates with up to 15,000 points.

IHG One Rewards Premier Credit Card ($180 Value)

BEST OFFER OF 2025

Terms Apply / Rates & Fees

IHG One Rewards Premier Credit Card

U.P. Rating

The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.

Apply Now(at Chase's secure site)

IHG One Rewards Premier Credit Card

The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.

Welcome OfferEarn 5 Free Nights – valued at up to 300,000 total points – after spending $5,000 on purchases in the first 3 months from account opening. Each Free Night is valued at up to 60,000 points.
5 Free Nights

UP's Offer Valuation*:
$1,500

Annual Fee

$99

APR

19.99% - 28.49% Variable

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

If you regularly visit IHG hotels throughout the year, then the IHG One Rewards Premier Credit Card is probably a perfect card to have in your wallet.

The IHG Premier card offers a great bundle of perks and benefits, including automatic Platinum elite status, an annual free night certificate, and travel protections.

Pros & Cons

Pros

Up to 26x points per $1 on IHG stays
5x points per $1 spent on purchases on travel, at gas stations, and restaurants
3x points per $1 on all other purchases

Cons

$99 annual fee
Does not earn transferable points

Read Full Review

Card Highlights

Our Best Offer of 2025! Earn 5 Free Nights
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^® hotel stay.
Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
Automatic Platinum Elite status as long as you remain a Premier cardmember
Global Entry, TSA PreCheck^® or NEXUS Statement Credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental^®, Crowne Plaza^®, Kimpton^®, EVEN^® Hotels, Indigo^® Hotels & Holiday Inn^®
Member FDIC

Financial Snapshot

APR: 19.99% - 28.49% Variable
Foreign Transaction Fees: None

The IHG Premier card offers you 1 free night certificate on your account anniversary each year that can be redeemed at IHG hotels costing up to 40,000 points per night. You can also opt to top this up with an additional 15,000 points for a nicer hotel.

While IHG One Rewards no longer uses an award chart, and hotels are priced using a dynamic pricing model, there are still many great hotels in the program whose award night cost averages around 40,000 points per night.

One such example is the Intercontinental Budapest, which is one of the nicest hotels in the city and comes with views of the Danube, the second-longest river in Europe and a UNESCO World Heritage Site that separates the city into Buda and Pest.

Wyndham Rewards^® Earner℠ Business Card ($135 Value)

Wyndham Rewards^® Earner℠ Business Card

U.P. Rating

The Wyndham Rewards Earner Business card is the best card on the market for Wyndham stays thanks to its 8x earnings and automatic Diamond status.

Apply Now(at Barclays' secure site)

Wyndham Rewards^® Earner℠ Business Card

The Wyndham Rewards Earner Business card is the best card on the market for Wyndham stays thanks to its 8x earnings and automatic Diamond status.

Welcome OfferEarn 50,000 bonus points after spending $4,000 on purchases and paying the annual fee in full, both within the first 90 days. Also, earn 25,000 bonus points after spending $12,000 on purchases within the first 365 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
Up to 75,000 points

Annual Fee

$95

APR

20.24% to 29.99% variable

Why We Like This Card

For frequent traveling business owners who regularly stay at Wyndham hotels, the Wyndham Rewards Earner Business card is quite the compelling card option that will allow you to get the most out of each Wyndham stay.

Not only will the card help supercharge the number of Wyndham points you’ll earn, but the automatic elite status, annual bonus points, and business protections really make the card a must-have for any Wyndham business traveler.

Pros & Cons

Pros

8x points per $1 spent at Wyndham hotels and gas stations
5x points per $1 spent on eligible marketing, advertising services, and utilities
Automatic Wyndham Rewards Diamond elite status

Cons

$95 annual fee

Read Full Review

Card Highlights

Earn 50,000 bonus points after spending $4,000 on purchases and paying the annual fee in full, both within the first 90 days. Also, earn 25,000 bonus points after spending $12,000 on purchases within the first 365 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
Earn 8 points per $1 spent on eligible purchases made at Hotels By Wyndham as well as on qualifying gas purchases.
Earn 5 points per $1 spent on eligible marketing, advertising services, and utilities.
Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resorts down payments). That means paying bills, buying office supplies, purchasing inventory, and other business expenses can help you earn your next great vacation!
Annual Bonus. Receive 15,000 bonus points each anniversary year–that’s enough for up to two free nights at participating properties.
Automatic DIAMOND Level Benefits! Automatically receive a Wyndham Rewards DIAMOND member level and enjoy perks like suite upgrades, welcome amenity at check-in, and more.
Enjoy a Cardmember Booking Discount. Wyndham Rewards Earner Business Cardmembers can save even more on our Best Available Rate at participating Hotels By Wyndham.
Unlimited Earning. There is no limit to the number of points you can earn.
go free^® Faster. Redeem 10% fewer Wyndham Rewards points for go free^® awards.
Redeem your points for free nights at participating Wyndham Rewards properties, online shopping, gift cards and so much more.

Financial Snapshot

APR: 20.24% to 29.99% variable
Foreign Transaction Fees: 0% of the U.S. Dollar amount

Wyndham Rewards Earner Business cardholders receive 15,000 points each year on their account anniversary when they renew their card. Of course, you can spend these points however you choose, as points have much more flexibility over a standard free night certificate, however, this is enough for 1 free night at a tier 2 Wyndham hotel or 2 free nights at a tier 1 hotel.

The Wyndham Grand Crete Mirabello Bay would be a great use of these points as it is a beautiful tier 2 property and nightly rates can reach upwards of $300 a night!

Hot Tip: Wyndham cardholders also get a 10% discount on the number of points needed for a free night, bringing the usual tiers of 7,500, 15,000, and 30,000, down to 6,750, 13,500, and 27,000, respectively.

Wyndham Rewards^® Earner℠ Plus Card ($67.50 Value)

Wyndham Rewards^® Earner℠ Plus Card

U.P. Rating

The Wyndham Rewards Earner+ card is a great option for travelers looking to earn more Wyndham points and get automatic Platinum elite status.

Apply Now(at Barclays' secure site)

Wyndham Rewards^® Earner℠ Plus Card

The Wyndham Rewards Earner+ card is a great option for travelers looking to earn more Wyndham points and get automatic Platinum elite status.

Welcome OfferEarn 45,000 bonus points, enough for up to 6 free nights at participating properties after spending $1,000 on purchases in the first 90 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
45,000 points

Annual Fee

$75

APR

19.99% to 29.99% variable

Why We Like This Card

The information regarding the Wyndham Rewards^® Earner℠ Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Adding co-branded hotel credit cards to your wallet can be a great idea for casual and frequent travelers alike. These cards can help you earn more points on each stay, give you elite status with the hotel chain, and give you a free night just for holding on to the card each year.

If you’re someone that likes to visit Wyndham hotels, then the Wyndham Rewards Earner+ card is one that you should consider adding to your wallet. Let’s take a look at all of the ways that this card can upgrade your Wyndham stays.

Pros & Cons

Pros

6x points per $1 spent at Wyndham hotels and gas stations
4x points per $1 on dining and grocery store purchases
Automatic Wyndham Rewards Platinum elite status

Cons

$75 annual fee

Read Full Review

Card Highlights

Earn 45,000 bonus points, enough for up to 6 free nights at participating properties after spending $1,000 on purchases in the first 90 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
Earn 6 points per $1 spent on eligible purchases made at Hotels By Wyndham as well as on qualifying gas purchases.
Earn 4 points per $1 spent on eligible dining and grocery purchases (excluding Target^® and Walmart^®).
Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resorts down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation!
Annual Bonus. Receive 7,500 bonus points each anniversary year—that’s enough for up to one free night at participating properties.
Automatic PLATINUM Level Benefits! Automatically receive a Wyndham Rewards PLATINUM member level and enjoy perks like early check-in, car rental upgrades, and more.
Enjoy a Cardmember Booking Discount. Wyndham Rewards Earner Plus Cardmembers can save even more on our Best Available Rate at participating Hotels By Wyndham.
Unlimited Earning. There is no limit to the number of points you can earn.
go free^® Faster. Redeem 10% fewer Wyndham Rewards points for go free^® awards.
Redeem your points for free nights at participating Wyndham Rewards properties, online shopping, gift cards and so much more.

Financial Snapshot

APR: 19.99% to 29.99% variable
Foreign Transaction Fees: 0% of each transaction in U.S. dollars

The Wyndham Rewards Earner+ card similarly offers an annual point bonus instead of a free night certificate. Each year, cardholders receive 7,500 Wyndham Rewards points that can be redeemed however they choose. Those 7,500 points are enough for a free night at tier 1 Wyndham hotel, or you could put the points towards a more expensive hotel.

While you’ll be hard-pressed to find many luxury properties in Wyndham’s tier 1 category, many can still offer great value thanks to their prime location, like the TRYP by Wyndham Mexico City World Trade Center Area that’s nestled right in the heart of the Mexican capital.

Hot Tip: For a no-annual-fee-path to bonus Wyndham Rewards points, consider the Wyndham Rewards^® Earner℠ Card that offers 7,500 bonus points each anniversary after you spend $15,000 on purchases in a calendar year.

Final Thoughts

With the sheer number of points and miles credit cards out there, it can be easy to overlook hotel credit cards — but you should think twice before doing so! After all, if you stay with a hotel group with any regularity, you won’t just earn extra points on those stays, but you could also receive automatic elite status, room upgrades, late checkout, and of course those coveted free night certificates.

Ultimately, hotel credit cards are an excellent way to enhance your stays, and the free night certificates you receive largely offset the annual fee you pay each year. So for travelers, the question is not if you should get a hotel credit card, but which one(s) you should choose!