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You don’t need a hotel or airline credit card with a high annual fee to enjoy benefits such as accelerated rewards earning, on-site hotel perks, and airline flight benefits.
You may be surprised to learn that regardless of your brand of choice, chances are there is a no-annual-fee card offering brand benefits that can save you money or make your trip more comfortable.
Our objective today is to focus on those hotel and airline-associated credit cards that do not charge an annual fee, yet still add potential value for the cardholder.
We’ll look closely at the earning potential and brand benefits offered with each of our featured cards. However, if you’re looking for even greater benefits and are willing to pay an annual fee, you may have interest in our picks for a likely alternative card that is sure to provide value with the associated hotel or airline brand.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!
Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
100,000 points
$1,500
$0
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
You can’t beat a comfy king-sized bed and room service. For many travelers, it’s the hotel that really makes or breaks an experience. If you’re one of those people, you’ve probably stayed at a Hilton hotel.
Whether your visits are for work or pleasure, the Hilton brand has you covered with more than 6,200 locations in 100 counties and territories.
Not great for those who want multiple redemption options
Offers the least benefits of all Hilton cards
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Points for all other eligible purchases on your Card.
Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
It’s rare to find a no-annual-fee credit card that provides as much value with a top hotel brand as the Hilton Honors card. Not only will you experience accelerated earnings, but you’ll also enjoy complimentary elite status and on-site perks.
Here’s what you can expect with the Hilton Honors card:
Earnings
7x points at a hotel or resort within the Hilton portfolio
5x points at U.S. restaurants, U.S. gas stations, and U.S. supermarkets
3x points on all other purchases
Hilton Benefits
Complimentary Hilton Honors Silver elite status with the opportunity to earn Gold status after spending $20,000 in a calendar year on the card
Hilton Honors Silver status provides you with late checkout, 20% more earnings on Hilton stays, the fifth consecutive standard reward night free, no resort fees on award stays, elite rollover nights, and 2 bottles of water
Use your card abroad as the card does not charge foreign transaction fees (rates & fees)
Additional Card Option for Hilton Loyalists
Jumpstart your Hilton Honors points account with a generous welcome offer worth several free hotel nights, stellar earning levels, and other valuable benefits with the Hilton Honors American Express Surpass® Card.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.
Learn More(at Amex's secure site)All information about The Hilton Honors American Express Surpass® Card has been collected independently by Upgraded Points.
An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.
Earn 170,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/17/2024.
170,000 points
$2,550
$150
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
If you’re someone who loves traveling and loves staying in Hilton hotels, adding a co-branded Hilton hotel card to your wallet is almost a no-brainer. From automatic Hilton elite status to up to $200 in Hilton credits every year, the Hilton Honors American Express Surpass® Card can be a great fit for Hilton loyalists looking to up their travel game.
Pros
12x points per $1 at Hilton hotels
6x points per $1 U.S. supermarkets, U.S. gas stations, and U.S. restaurants
4x points per $1 at U.S. online retail purchases
3x points per $1 on all other purchases
Complimentary Hilton Honors Gold status
No foreign transaction fees
Cons
Annual fee of $150.
Limited Time Offer: Earn 170,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/17/2024.
Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 4X Hilton Honors Bonus Points for each dollar of eligible purchases on U.S. online retail purchases.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
Hilton-branded cards come packed with hotel perks, statement credits, and more. Find out which card may be a match by accessing our article on the best cards for Hilton loyalists.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.
A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.
Earn 30,000 Bonus Points after you spend $1,000 on eligible purchases within the first 3 months from account opening.
30,000 points
$210
$0
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Casual travelers who like to frequent properties that are part of the Marriott Bonvoy collection of brands may want to consider the Marriott Bonvoy Bold® Credit Card.
The Marriott Bold card rewards cardholders for Marriott stays and gives them a boost towards Marriott Bonvoy elite status.
Pros
Up to 14x points per $1 on Marriott purchases
2x points per $1 on travel purchases
15 Elite Night Credits each year (automatically gives you Silver Elite status)
No foreign transaction fees
No annual fee
Cons
Lower point earn rate than other Marriott Bonvoy cards
Marriott Bonvoy Silver Elite status is the lowest status tier
Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
2X points for every $1 spent on other travel purchases (from airfare to taxis and trains).
1X point for every $1 spent on all other purchases.
Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
For a basic entry-level hotel-branded card, the Marriott Bold card surprises with excellent earning levels, elite benefits, and a faster path to higher elite status.
Earnings
Up to 14x points at hotels participating in the Marriot Bonvoy program
2x points on other travel purchases
1x points for all other purchases
Marriott Benefits
15 elite-qualifying night credits annually, more than enough for Marriott Bonvoy Silver elite status
Silver Elite status offers member-only hotel rates, fifth consecutive reward night free, late 2 p.m. checkout, free internet, 10% bonus points, and welcome points
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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.
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.
Earn 3 Free Nights after you spend $3,000 on eligible purchases (each night valued up to 50,000 points) within the first 3 months from account opening.
Up to 3 Free Nights
$1,050
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
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
Earn big when you use your card at over 7,000 participating Marriott Bonvoy hotels
New benefit to earn big at grocery stores, gas stations, and dining
Automatic Silver Elite Status
1 Free Night Award each cardmember anniversary (up to 35,000 points)
Earn 3 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.
Bottom Line: Hotel-branded credit cards can deliver a lot of value when you frequent a particular brand. One of the most valuable benefits of no-annual-fee hotel credit cards is accelerated earnings, which allow you to earn free nights faster.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn up to 17x when you stay at IHG hotels, 3x on monthly bills, at gas stations, and restaurants, and 2x on all other purchases.
Earn up to 17x when you stay at IHG hotels, 3x on monthly bills, at gas stations, and restaurants, and 2x on all other purchases.
Earn 80,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening.
80,000 points
$400
$0
21.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
If you’re someone who is looking to enhance your IHG stays by earning more points and benefits, without paying an annual fee, then the IHG One Rewards Traveler Credit Card might be the perfect fit for you.
In this guide, we will provide a detailed view of what the card can offer so you can decide if it makes sense to add to your wallet.
Pros
Up to 17x total points per $1 on IHG stays
3x points per $1 on monthly bills, at gas stations, and restaurants
2x point per $1 on all other purchases
Fourth night free on award stays
Complimentary IHG Silver Elite status, plus the ability to spend your way to IHG Gold Elite status
Earn 10,000 bonus points after spending $10,000 on the card in a calendar year
20% discount on IHG point purchases
Trip cancellation and trip interruption insurance
Purchase protection
No foreign transaction fees
No annual fee
Cons
Not as rewarding as the IHG One Rewards Premier Credit Card
Earn 80,000 bonus points
No Annual Fee
Earn up to 17 points total per $1 spent when you stay at IHG Hotels & Resorts
Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
No Foreign Transaction Fees
Redeem 3 Nights, Get the 4th Night Free
IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
With an IHG property in nearly every major city, you’ll find it easy to reap the benefits of IHG One Rewards. IHG-branded cards also partner well with the IHG One Rewards program to offer a combination of earnings and benefits any IHG loyalist will value.
Here’s how the IHG Traveler card delivers that value:
Earnings
Earn up to 17x points total when you stay at an IHG hotel
3x points on purchases on monthly bills, gas stations, and restaurants.
2x points on all other purchases
IHG Benefits
20% discount on IHG One Rewards point purchases
Fourth consecutive award night free
Automatic Silver Elite status
Gold Elite status after spending $10,000 on the card in a calendar year
Additional Card Option for IHG Loyalists
If you frequent IHG hotels, there’s another card option to consider that provides even greater value. The IHG One Rewards Premier Credit Card has a generous welcome offer worth several free hotel nights, a free annual hotel night certificate, and complimentary Platinum Elite level status.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.
The perfect card for IHG fans, offering a free night every year, automatic Platinum Elite status, and your fourth night free on award stays.
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
140,000 points
$700
$99
21.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
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
Up to 26x points per $1 on IHG stays
5 points per $1 spent on purchases on travel, at gas stations, and restaurants
3x points per $1 on all other purchases
Automatic Platinum Elite status, and the ability to spend your way to Diamond Elite status
Free anniversary night certificate
Fourth-night free on award stays
20% off when buying IHG Rewards points
Up to $50 in United Airlines TravelBank Cash each year
Earn a $100 statement credit and 10,000 bonus points after spending $20,000 on the card in a calendar year
Cons
$99 annual fee
Does not earn transferable points
Earn 140,000 Bonus Points
Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
Earn up to 26 points total 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 card member
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 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®
Learn more about these card options, including additional benefits and the value of elite status in our article on the best cards for IHG loyalists.
4. Choice Privileges® Mastercard®
Choice hotel properties include 14 different brands that range from economy lodging options to downright luxury. Having the new Choice Privileges card (available for applicants beginning on May 1, 2023) will allow you to earn points quickly and score free hotel nights.
Earnings
5x points on stays at participating Choice hotels
3x points on purchases at gas stations, grocery stores, home improvement stores, and phone plans
1x points on other purchases
Choice Benefits
Complimentary Gold elite status
Up to 15x points at Choice properties (5x points for paying with the card + 10x points per dollar for Choice program membership)
Gold status offers late checkout, early check-in (when available), complimentary reserved parking, member discounts, free amenities, and 10% bonus points when staying at Choice properties
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Wyndham Rewards Earner card is a great no-annual-fee option for travelers who love Wyndham hotels.
The Wyndham Rewards Earner card is a great no-annual-fee option for travelers who love Wyndham hotels.
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.
45,000 points
$0
15.74%, 19.99, or 24.99% Variable
The information regarding the Wyndham Rewards® Earner℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Getting elite benefits from a hotel credit card doesn’t have to come at a price, and the Wyndham Rewards® Earner℠ Card is a perfect example of that. This no annual fee card not only allows travelers to earn additional points on all of their Wyndham stays, but also offers automatic elite status, plus discounts on award and paid nights just for having the card!
7,500 annual bonus points after you spend $15,000 on purchases
Cons
Not as rewarding as other Wyndham credit cards
Annual point bonus requires you to spend $15,000
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 5 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases.
Earn 2 points per $1 spent on eligible dining and grocery store purchases (excluding Target and Walmart).
Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation!
Financial Snapshot
APR: 15.74%, 19.99, or 24.99% Variable
Foreign Transaction Fees: 0% of each transaction in U.S. dollars
Complimentary Gold elite status level with Wyndham Rewards
Gold status delivers benefits such as late checkout, member-only rates, free Wi-Fi, preferred rooms, and accelerated earning
Receive 7,500 points after spending $15,000 on the card in a calendar year
10% redemption discount on qualifying reward night purchases
Additional Card Options for Wyndham Loyalists
With the Wyndham Rewards® Earner Plus℠ Card, qualify for a generous welcome offer, earn 6x points for every dollar spent at Wyndham and on gas, 4x at grocery stores and on dining, complimentary Platinum level status, and 7,500 points after each card renewal.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Wyndham Rewards Earner+ card is a great option for travelers looking to earn more Wyndham points and get automatic Platinum elite status.
The Wyndham Rewards Earner+ card is a great option for travelers looking to earn more Wyndham points and get automatic Platinum elite status.
Earn 75,000 bonus points, enough for up to 10 free nights at participating properties after spending $1,000 on purchases in the first 90 days.
75,000 points
$75
15.74%, 19.99% or 24.99% variable
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.
Earn 75,000 bonus points, enough for up to 10 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: 15.74%, 19.99% or 24.99% variable
Foreign Transaction Fees: 0% of each transaction in U.S. dollars
We like that Best Western chooses to surprise us every time we cross the pond and stay at a Best Western property abroad. Sure, you’ll find budget properties, but you’ll also find boutique properties that are unique, comfortable, and affordable.
The Best Western Rewards card offers earnings and benefits that can help you earn free nights and make your stay more comfortable.
Earnings
3x points at Best Western
2x points for all other purchases
Best Western Benefits
Up to 13x points at Best Western (3x points for paying with the card, 10x points for being a member of Best Western Rewards)
Automatic Gold elite status that includes late checkout, early check-in, and 10% off room rates
Additional Card Options for Best Western Loyalists
Best Western Rewards® Premium Mastercard® — Qualify for the generous welcome offer worth several hotel nights, receive bonus points at each card renewal, earn up to 20x points at Best Western properties, and enjoy onsite property perks just for having the card. The card also comes with Platinum elite status.
Bottom Line: Hotel credit cards that don’t charge an annual fee can provide minimal benefits such as accelerated earnings and in some cases, entry-level elite status. If you frequent a particular brand, however, you’ll find much greater value by moving to the next level rewards card where you may find better brand benefits, free hotel night certificates, greater earnings, and generous welcome offers.
The 5 Best Airline Credit Cards With No Annual Fee
While no-annual-fee airline credit cards might lack the equivalent perks that hotel-branded cards offer, you’ll still find the opportunity for increased earnings, inflight purchase discounts, and more.
Let’s look at what you can expect from no-annual-fee airline credit cards.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn 2x miles per dollar spent on American Airlines flights and at grocery stores, all without needing to pay an annual fee.
Earn 2x miles per dollar spent on American Airlines flights and at grocery stores, all without needing to pay an annual fee.
Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
10,000 miles
$140
$0
21.24% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The American Airlines AAdvantage® MileUp® is perfectly suited for those looking for a way to earn more American Airlines miles and earn Loyalty Points, all without needing to pay an annual fee.
Pros
2x mile per $1 on American Airlines and grocery store purchases
1x mile per $1 on all other purchases
25% savings on inflight food and beverage purchases
No annual fee
Cons
Other cards are more rewarding for frequent American Airlines flyers
Charges a 3% foreign transaction fee
Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
No Annual Fee
Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
Earn 1 AAdvantage® mile for every $1 spent on other purchases
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
Save 25% on inflight food and beverage purchases when you use your card on American Airlines flight
The American Airlines MileUp card does not offer premium airline perks such as free checked bags or priority boarding, however, you will find several earning opportunities when using the card.
You’ll also want to carry the card with you on your American Airlines flights for inflight food/beverage savings.
Earnings
2x miles on American Airline purchases
2x miles at grocery stores (including grocery delivery services)
1x mile on all other purchases
Airline Benefits
25% discount on inflight food and beverage purchases
Accelerated earnings help you earn a free flight faster
Additional Card Option for American Airlines Frequent Flyers
With theCiti® / AAdvantage® Platinum Select® World Elite™ Mastercard®, earn a generous welcome offer, a free checked bag (+ up to 4 companions), priority boarding, inflight food/beverage discounts, and 2x earnings on flights, gas stations, and dining.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Status lovers will enjoy the variety of benefits that come with this card. From free bags to reduced-price inflight beverages, AA still flies in style.
Status lovers will enjoy the variety of benefits that come with this card. From free bags to reduced-price inflight beverages, AA still flies in style.
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
50,000 miles
$700
$99, waived for first 12 months
21.24% - 29.99% Variable
Blue skies and fair winds make for a good day to fly! Choosing your airline can be difficult, since factors like location, time, and destination all go into whether or not you can fly somewhere.
An easy choice for many people is American Airlines, because they’re the largest airline in the world. If you’re an American, you’ve probably flown American Airlines at least once.
Frequent fliers tend to enjoy the treatment they can get, from boarding privileges to free bags to lounge access. There’s many reasons to fly with AA, and if so then getting a Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® could be for you.
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card
No Foreign Transaction Fees
First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
Enjoy preferred boarding on American Airlines flights
American Airlines frequent flyers have several card choices. Learn about the full benefits of each card in our detailed article on the best American Airlines credit cards.
2. Delta SkyMiles® Blue American Express Credit Card
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
10,000 miles
$100
$0
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit Recommended (670-840)
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
No Annual Fee.
Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food and beverages.
Additional Card Option for Delta Air Lines Frequent Flyers
If you’re a frequent Delta flyer, you may find value with a Delta-branded card that has greater benefits yet charges an annual fee. With free checked bags, priority boarding, companion flight certificates, lounge access, and more, the increased benefits may offset the annual fee.
With plenty of benefits and strong earning rates, you’ll quickly earn enough miles for a free flight with the Delta SkyMiles® Platinum American Express Card.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Frequent Delta travelers will enjoy this card's bonus categories, benefits, and ability to reach higher levels of elite status.
Frequent Delta travelers will enjoy this card's bonus categories, benefits, and ability to reach higher levels of elite status.
Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
50,000 bonus miles
$600
$250
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Delta SkyMiles® Platinum American Express Card can be a great option for those seeking additional ways to obtain a higher level of status — or to maintain their current status — with the airline.
A key feature of this card is the ability to earn bonus Medallion Qualification Miles (MQMs) that are essential for earning Delta status. This could help you get closer to earning free flights and other valuable rewards.
Pros
New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
3x SkyMiles per $1 spent on Delta purchases
3x SkyMiles per $1 spent on purchases made directly with hotels
2x SkyMiles per $1 spent at restaurants and U.S. supermarkets
1x SkyMile per $1 spent on all other purchases
Annual companion certificate
Complimentary checked bags
Global Entry or TSA PreCheck application fee statement credit
20% back on inflight purchases
Delta Status Boost
Discount on Delta Sky Club visits (Effective 1/1/24, this benefit will no longer be available)
Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
Earn 1X Miles on all other eligible purchases.
Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family when traveling on a Delta flight from now until 12/31/23. Effective 1/1/24, this benefit will no longer be available.
Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Delta Platinum Card, up to two times through 12/31/23. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.
The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.
Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.
30,000 miles
$360
$0
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The United Gateway℠ Card is a great option for those looking to earn more United miles without wanting to pay a credit card annual fee. Plus, the card offers other solid benefits like a 25% back on United inflight purchases, purchase protection, and rental car insurance.
Pros
2x miles per $1 on United purchases
2x miles per $1 at gas stations and on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit
1x mile per $1 on all other purchases
No annual fee
25% back on inflight purchases
No foreign transaction fees
Trip cancellation and trip interruption insurance
Rental car insurance
Purchase protection
Extended warranty coverage
Cons
If you are a frequent United flyer, other cards offer more perks
It does not earn transferable rewards
Earn 30,000 bonus miles
No annual fee
Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
Earn 2 miles per $1 spent on United® purchases
Earn 2 miles per $1 spent at gas stations, on local transit and commuting
Earn 1 mile per $1 spent on all other purchases
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
60,000 bonus miles
$720
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
You travel United all the time, but you have heard that there could be ways to make your travel experiences even better, including priority boarding, free bags, and more miles.
You should consider the United℠ Explorer Card, because this card does all that and more!
Pros
2x miles per $1 on United purchases, dining purchases (including delivery services), and hotel stays
1x mile per $1 on all other purchases
First checked bag free for you and up to 1 traveling companion
25% statement credit on United inflight purchases
Priority boarding
Global Entry, TSA PreCheck, or NEXUS statement credit
2 United Club 1-time passes each year
Premier upgrades on award tickets
Travel and purchase protections
Cons
$0 intro for the first year, then $95 annual fee
Does not earn transferable rewards
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $95.
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
Free first checked bag - a savings of up to $140 per roundtrip. Terms Apply.
Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year
You’ll have plenty of choices for earning United miles and enjoying flight benefits with any of the cards in this collection of the best cards for United frequent flyers.
4. The JetBlue Card
A no-annual-fee airline card ensures you’ll be earning rewards much faster. The JetBlue card serves that purpose perfectly with elevated earnings on JetBlue, and also at restaurants and grocery stores.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
TrueBlue members will appreciate the sign-up bonus, badges program, High Five bonus, and much more.
TrueBlue members will appreciate the sign-up bonus, badges program, High Five bonus, and much more.
Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days.
10,000 points
$0
15.99%, 19.99% or 24.99% variable
The information regarding the JetBlue Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
One of the benefits of being a frequent flyer is the opportunity to accumulate a ton of bonus points. That is, of course, as long as you have the right credit card!
You already fly JetBlue for the perks, like free snacks, beverages, entertainment, and Wi-Fi. Why not get The JetBlue Card and earn more miles too?
Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days.
Earn 3x points on eligible JetBlue purchases.
Earn 2x points at restaurants and eligible grocery stores.
Earn 1x points on all other purchases.
50% inflight savings on cocktails and food purchases.
Up to 6x points on JetBlue (3x points for using your card + 3x points for being a JetBlue TrueBlue member)
50% savings on inflight food, beverage, and movie purchases
No foreign transaction fees
Additional Card Option for JetBlue Frequent Flyers
With a free checked bag for you and up to 3 traveling companions, 5,000 rewards points at card anniversary, the ability to earn TrueBlue Mosaic elite status through spending, and a 10% rebate when redeeming points for flights, The JetBlue Plus Card could be worth the $99 annual fee if you fly JetBlue frequently.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn major points to redeem for JetBlue flights and more! Earn up to 6x points in various categories and a yearly point bonus.
Earn major points to redeem for JetBlue flights and more! Earn up to 6x points in various categories and a yearly point bonus.
Earn 60,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days.
60,000 points
$99
15.99%, 19.99% or 24.99% variable
The information regarding the JetBlue Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
You can’t complain about spending so much time with your head in the clouds when JetBlue makes it so easy! Whether booking flights for business or pleasure, they are your go-to airline every time.
Between free entertainment (DirectTV, SiriusXM), Wi-Fi, and unlimited snacks and (non-alcoholic) beverages, what’s not to love?
Now, you can earn and redeem points for those flights when you sign up for The JetBlue Plus Card. It allows you to earn free flights even faster than The JetBlue Card and comes with some pretty nice features too!
Limited-Time Offer: Earn 60,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days.
Earn 6X points on eligible JetBlue purchases 2X points at restaurants and eligible grocery stores and 1X points on all other purchases.
Earn 5,000 bonus points every year after your account anniversary
Enjoy Mosaic benefits if you spend $50,000 or more on purchases each calendar year with your card.
Enjoy an annual $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card.
50% inflight savings on cocktails and food purchases.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Free Spirit card is a solid choice for Spirit frequent flyers who want a no-annual-fee card.
The Free Spirit card is a solid choice for Spirit frequent flyers who want a no-annual-fee card.
Earn 10,000 Bonus Points after spending at least $500 on purchases in the first 90 days of account opening
10,000 points
$0
15.99% to 23.99% variable
Spirit flyers are used to receiving little to no benefits on their flights. After all, the carrier requires you to pay for carry-on baggage, seat selection, beverages, and just about everything else.
While this is the price you pay for low-cost fares, the experience can be frustrating at times. Fortunately, having the Free Spirit® Travel Mastercard® can help elevate your Spirit flight experience thanks to the numerous benefits that the card offers.
Pros
2x points per $1 on Spirit purchases
1x point per $1 on all other purchases
Get a 25% rebate on all inflight food and beverage purchases
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Free Spirit World Elite card is a perfect option for frequent Spirit flyers that want benefits like priority boarding and inflight discounts.
The Free Spirit World Elite card is a perfect option for frequent Spirit flyers that want benefits like priority boarding and inflight discounts.
Earn 40,000 bonus points + a $100 Companion Flight Voucher Offer after making at least $1,000 in purchases within the first 90 days of account opening
40,000 points
$0 Introductory Fee for the first year. After that, $79.
15.99% to 23.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The information regarding the Free Spirit® Travel More World Elite Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Being that Spirit is a low-cost carrier, it might feel easy to overlook the Free Spirit® Travel More World Elite Mastercard®, especially since it charges an annual fee. But if you’re someone who flies with Spirit Airlines often, then this is a card that can definitely make a lot of sense to add to your wallet.
Online Offer: 40,000 bonus points + a $100 Companion Flight Voucher Offer after making at least $1,000 in purchases within the first 90 days of account opening
Earn 3 points per $1 spent on eligible Spirit purchases, 2 points per $1 spent on eligible dining and grocery store purchases, 1 point per $1 spent on all other purchases.
No redemption fees as a primary cardholder, no limit to the points you can earn, and no points expiration as long as your account is open.
Anniversary Bonus. Receive a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases within the prior year.
Additional Cardholder Benefits: Zone 2 shortcut boarding on all flights, plus a 25% rebate on all inflight food and beverage purchases when you pay with your card.
Special Introductory Annual Fee: enjoy an introductory annual fee of $0 for the first year; a $79 fee will apply thereafter.
With a generous welcome offer, a $100 companion flight voucher, 3x earnings on Spirit, and 2x earnings at grocery stores and restaurants, you could find enough value to offset the Free Spirit® Travel More World Elite Mastercard®‘s $79 annual fee. You’ll also save by having award redemption fees waived.
Final Thoughts
Hotel and airline-branded cards that do not charge an annual offer few benefits compared to cards that do charge an annual fee. It’s wise if you frequent a particular hotel or airline to consider a card with an annual fee if you will use the associated benefits.
Even an airline card with a $95 annual fee that offers free checked bags could save you plenty if you travel frequently.
Additionally, paying the annual fee on a card such as the Hilton Honors Surpass card that offers a generous welcome offer worth several free hotel nights, Hilton Honors elite status, and an annual free night certificate, might work well for you if Hilton is your brand of choice.
You’ll want to weigh the amount of the annual fee with the benefits you’ll actually use of course, including any travel/shopping benefits and protections. Travel insurance benefits and protections can provide tremendous value. And don’t forget to look for shopping protections such as purchase protection and extended warranty.
And even if you’re loyal to a specific brand, it’s still possible to fare better with the right travel rewards credit card in addition to, or instead of, a hotel or airline-branded card.
The information regarding the Marriott Bonvoy Bold® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Choice Privileges® Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Wyndham Rewards® Earner℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Best Western Rewards® Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The Hilton Honors American Express Surpass® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Wyndham Rewards® Earner℠ Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Best Western Rewards® Premium Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The JetBlue Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Free Spirit® Travel Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The JetBlue Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Free Spirit® Travel More World Elite Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the Hilton Honors American Express Card, click here. For rates and fees of the Delta SkyMiles® Blue American Express Card, click here. For rates and fees of the Delta SkyMiles® Platinum American Express Card, click here.
Featured Image Credit: Marriott
Frequently Asked Questions
Is a hotel credit card worth it?
Yes, if you will use the associated benefits. A no-annual-fee hotel credit card can provide accelerated earnings that help you earn free nights faster and may even include complimentary elite status that can provide even greater benefits.
Selecting a hotel credit card that charges an annual fee may provide better value, however, if the benefits provided are ones you can utilize.
Is an airline credit card worth it?
Yes, if you value the benefit of earning more miles/points with the associated airline. An airline card that doesn’t charge an annual fee offers fee airline associated benefits, however.
You may need to pay an annual fee to secure a card that offers free checked bags, priority boarding, lounge access, and other associated airline-related benefits.
Do I lose miles if I cancel my credit card?
Generally no. If you have an airline-branded credit card, miles/points earned on the card are transferred to your frequent flyer account with the associated airline each month when your credit card statement closes.
Any miles/points that have not been transferred when your card is canceled, however, could be lost.
Additionally, your miles/points that are held in your frequent flyer account would be subject to the terms of that account and could expire without activity.
How many points do I need for a free hotel night?
The amount of points you will need for a free hotel night varies depending on the hotel loyalty program and whether the booking will be for peak, normal, or off-peak periods.
The hotel loyalty program website may have an award chart depicting the range of points necessary to book a free hotel night. Some programs do not publish an award chart and have variable pricing.
You may also receive special rate offers if you are a member, so be sure to join the loyalty program of your hotel brand of choice.
Does Hyatt have a no annual fee credit card?
The World of Hyatt does not offer a no-annual-fee credit card, however, the World of Hyatt Credit Card has a lower annual fee of $95 and provides several Hyatt benefits, including accelerated earnings at Hyatt, an annual free hotel night, and complimentary elite status.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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