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The 11 Best No-Annual-Fee Credit Cards for Hotel & Airline Benefits [2024]

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Christine Krzyszton
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Christine Krzyszton

Senior Finance Contributor

305 Published Articles

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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, deta...
Edited by: Keri Stooksbury
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Keri Stooksbury

Editor-in-Chief

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With years of experience in corporate marketing and as the Executive Director of the American Chamber of Commerce in Qatar, Keri is now Editor-in-Chief at UP, overseeing daily content operations and r...
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Kellie Jez

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Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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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 6 Best Hotel Credit Cards With No Annual Fee

Hotel-branded credit cards can provide great value for the brand loyalist with accelerated rewards earning, hotel perks, and a faster path to hotel loyalty program elite status.

Card Summary

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CardWelcome Offer and Annual FeeBenefits
Hilton Honors American Express Card
  • Earn 80,000 points after spending $2,000 in purchases on the Card in the first 6 months. 
  • Annual fee of $0 (rates & fees)
  • 7x points at a hotel or resort within the Hilton portfolio
  • Complimentary Hilton Honors Silver elite status
  • Earn 30,000 Bonus Points after spending $1,000 within the first 3 months.
  • Annual fee of $0
  • Up to 14x points at hotels participating in the Marriot Bonvoy program
  • 15 elite-qualifying night credits annually, more than enough for Marriott Bonvoy Silver elite status
  • Earn 80,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening.
  • Annual fee of $0
  • Earn up to 17x points total when you stay at an IHG hotel
  • Fourth consecutive award night free
  • Automatic IHG One Rewards Silver Elite status
Choice Privileges® Mastercard®
  • No welcome offer available at this time.
  • Annual fee of $0
  • Up to 15x points at Choice properties (5x points for paying with the card + 10x points per dollar for Choice program membership)
  • 10 elite night credits
  • Automatic Choice Privileges Gold Elite status
  • Earn 30,000 bonus points, enough for up to 4 free nights at participating properties, after spending $1,000 on purchases in the first 90 days
  • Annual fee of $0
  • 5x points at Wyndham and at gas stations
  • Complimentary Wyndham Rewards Gold elite status
  • Receive 7,500 points after spending $15,000 on the card in a calendar year
  • 10% redemption discount on qualifying reward night purchases
Best Western Rewards® Mastercard®
  • 40,000 points when you spend $1,000 in the first 3 billing cycles after the account is opened
  • Annual fee of $0
  • 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 Best Western Rewards Gold elite status

Hilton Honors American Express Card

Hilton Honors American Express CardTerms Apply / Rates & Fees

Hilton Honors American Express Card

U.P. Rating
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!

Learn More(at Amex's secure site)

Hilton Honors American Express Card

Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!
Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
80,000 points
$400
$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.

To enjoy a host of great benefits, you may want to apply for the Hilton Honors American Express Card.

Pros

  • 7x points per $1 on Hilton stays
  • 5x points per $1 at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
  • 3x points per $1 on all other purchases
  • Complimentary Hilton Honors Silver status
  • No annual fee (rates & fees)
  • No foreign transaction fees (rates & fees)

Cons

  • Not great for those who want multiple redemption options
  • Offers the least benefits of all Hilton cards
  • Earn 80,000 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 on your Card 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.
  • No Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Hilton Honors Loyalty Program

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.

Hilton Honors American Express Surpass® CardTerms Apply / Rates & Fees

Hilton Honors American Express Surpass® Card

U.P. Rating
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)

Hilton Honors American Express Surpass® Card

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 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases in your first 6 months of Card Membership.
130,000 points
$650
$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 (rates & fees)

Cons

  • Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
  • Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
  • Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® 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.
  • Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $150 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Hilton Honors

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.

Marriott Bonvoy Bold® Credit Card

Marriott Bonvoy Bold® Credit Card

Marriott Bonvoy Bold® Credit Card

U.P. Rating
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.

Marriott Bonvoy Bold® Credit Card

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
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)

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.
  • 1X point for every $1 spent on all other purchases.
  • Your points don't expire as long as you make purchases on your card every 24 months.
  • No Foreign Transaction Fees.
  • Member FDIC

Financial Snapshot

  • APR: 21.49%–28.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Marriott Bonvoy

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
  • No foreign transaction fees

Additional Card Option for Marriott Loyalists

The Marriott Bonvoy Boundless® Credit Card comes with valuable benefits like complimentary Silver Elite status and a free annual hotel certificate at card renewal.

LIMITED TIME OFFER
Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless® Credit Card

U.P. Rating
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 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.
Earn 5 Free Night Awards (each night valued up to 50,000 points) after spending $5,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!
Earn 5 Free Night Awards
$1,750
$95
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 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 thousands of participating Marriott Bonvoy hotels
  • Earn big at grocery stores, gas stations, and dining
  • Automatic Silver Elite Status
  • 1 Free Night Award each cardmember anniversary (valued up to 35,000 points)
  • One year complimentary DoorDash DashPass subscription
  • No foreign transaction fees

Cons

  • $95 annual fee
  • Marriott Silver status is the lowest status tier
  • 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.
  • 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: 21.49%–28.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Marriott Bonvoy

To learn more about the benefits of all Marriott-branded cards, our article on the best cards for Marriott Bonvoy loyalists goes into greater detail.

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. 

IHG One Rewards Traveler Credit Card

IHG One Rewards Traveler Credit Card

IHG One Rewards Traveler Credit Card

U.P. Rating
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.

Learn More(at Chase's secure site)

IHG One Rewards Traveler Credit Card

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 bonus 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
  • $0 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 total points 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®
  • Member FDIC

Financial Snapshot

  • APR: 21.49% - 28.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

IHG Rewards Loyalty Program Review

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.

IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card

U.P. Rating
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.

Learn More(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.
Earn 140,000 Bonus Points after you spend $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
  • Global Entry, TSA PreCheck, or NEXUS fee credit (up to $100 every four years)
  • Earn a $100 statement credit and 10,000 bonus points after spending $20,000 on the card in a calendar year
  • Trip cancellation/interruption insurance
  • Purchase protection
  • No foreign transaction fees

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 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 $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®
  • Member FDIC

Financial Snapshot

  • APR: 21.49% - 28.49% Variable
  • Foreign Transaction Fees: None

Card Categories

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.

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
  • Cell phone protection

Wyndham Rewards® Earner℠ Card

Wyndham Rewards® Earner℠ Card

Wyndham Rewards® Earner℠ Card

U.P. Rating
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.

Learn More(at Wyndham's secure site)

Wyndham Rewards® Earner℠ Card

The Wyndham Rewards Earner card is a great no-annual-fee option for travelers who love Wyndham hotels.
Earn 75,000 bonus points, enough for up to 10 free nights at participating properties after spending $2,000 on purchases in the first 6 months.
75,000 points
$0
20.99 to 29.99% 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!

Pros

Cons

  • Not as rewarding as other Wyndham credit cards
  • Annual point bonus requires you to spend $15,000
  • Earn 75,000 bonus points after spending $2,000 on purchases in the first six months. 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: 20.99 to 29.99% Variable
  • Foreign Transaction Fees: 0% of each transaction in U.S. dollars

Card Categories

If you stay at Wyndham properties even a few times each year, you’ll appreciate the earning power of having a rewards-earning card.

The Wyndham Rewards Earner card comes with the following earnings and benefits:

Earnings

  • 5x points at Wyndham and at gas stations
  • 2x points on dining and at grocery stores
  • 1x point on all other purchases

Wyndham Benefits

  • 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.

Wyndham Rewards® Earner℠ Plus Card

Wyndham Rewards® Earner℠ Plus Card

U.P. Rating
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.

Learn More(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.
Earn 100,000 bonus points, enough for up to 13 free nights at participating properties, after spending $2,000 on purchases in the first 6 months.
100,000 points
$75
20.99% to 29.99% 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.

Pros

Cons

  • $75 annual fee
  • Earn 100,000 bonus points after spending $2,000 on purchases in the first six months. 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: 20.99% to 29.99% variable
  • Foreign Transaction Fees: 0% of each transaction in U.S. dollars

Card Categories

Wyndham has some sweet spot redemptions and member promotions, and there are lots of ways to earn Wyndham Rewards points.

Best Western Rewards® Mastercard®

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.

To learn more about Best Western credit cards, plus some of the best value redemption options for your Best Western Rewards points, check out our article with recommendations for some of our favorite properties.

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.

Card Summary

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CardWelcome Offer and Annual FeeBenefits
American Airlines AAdvantage® MileUp®
  • Earn 10,000 miles and a $50 statement credit after making $500 in purchases within the first 3 months
  • Annual fee of $0
  • 2x miles on American Airlines purchases
  • 25% discount on inflight food and beverage purchases
Delta SkyMiles® Blue American Express Card
  • Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months
  • Annual fee of $0
  • 2x miles on Delta Air Lines purchases
  • 20% statement credit for inflight food, beverage, and headset purchases
United Gateway℠ Card
  • Earn 20,000 miles after you spend $1,000 on purchases in the first 3 months. Plus, 0% intro APR for 12 months from account opening on purchases.
  • Annual fee of $0
  • 2x miles on United purchases, at gas stations and on local transit and commuting
  • 25% statement credit on inflight United purchases
  • Expanded award availability
The JetBlue Card
  • Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days
  • Annual fee of $0
  • 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
Free Spirit® Travel Mastercard®
  • Earn 10,000 Bonus Points after spending at least $500 on purchases in the first 90 days of account opening
  • Annual fee of $0
  • 2x points on Spirit
  • 25% rebate on inflight food and beverage purchases
  • Zone 2 shortcut boarding
  • Receive 5,000 bonus points each card anniversary after spending $10,000 each year on the card
  • Access to points pooling

American Airlines AAdvantage® MileUp®

American Airlines AAdvantage® MileUp®

American Airlines AAdvantage® MileUp®

U.P. Rating
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.

Learn More(at our partner's secure site)

American Airlines AAdvantage® MileUp®

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

Financial Snapshot

  • APR: 21.24% - 29.99% Variable
  • Foreign Transaction Fees: 3%

Card Categories

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 the Citi® / 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.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

U.P. Rating
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.

Learn More(at Citi's secure site)

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

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

Financial Snapshot

  • APR: 21.24% - 29.99% Variable
  • Foreign Transaction Fees: 0%

Card Categories

Rewards Center

American Airlines AAdvantage Program

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.

Delta SkyMiles® Blue American Express Credit Card

Delta SkyMiles® Blue American Express CardTerms Apply / Rates & Fees

Delta SkyMiles® Blue American Express Card

U.P. Rating
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.

Learn More(at Amex's secure site)
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.
  • No Foreign Transaction Fees.
  • Terms Apply.

Financial Snapshot

  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

If Delta is your airline of choice and you’d like to earn more Delta SkyMiles, you’ll have several card options. Let’s start with the Delta Blue card, a no-annual-fee card with earning options that can help you get closer to earning that rewards flight (rates & fees).

Earnings

  • 2x miles on Delta
  • 2x miles at restaurants worldwide
  • 1x mile on all other purchases

Airline Benefits

  • 20% statement credit for inflight food, beverage, and headset purchases
  • No foreign transaction fees (rates & fees)

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.

Delta SkyMiles® Platinum American Express CardTerms Apply / Rates & Fees

Delta SkyMiles® Platinum American Express Card

U.P. Rating
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.

Learn More(at Amex's secure site)

Delta SkyMiles® Platinum American Express Card

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 of Card Membership.
50,000 Bonus Miles
$600
$350
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 Dollars (MQDs) that are essential for earning Delta status. This could help you get closer to earning a handful of valuable benefits with the airline.

Pros

  • 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 (including takeout and delivery) and U.S. supermarkets
  • 1x SkyMile per $1 spent on all other eligible purchases
  • 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.
  • Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card. Taxes and fees will apply.
  • Receive $2,500 MQDs each year and get closer to Status with MQD Headstart.
  • Complimentary first checked bag
  • Main Cabin 1 Priority Boarding
  • $120 Resy Credit: Earn up to $10 per month in statement credits on eligible Resy purchases.
  • $120 Rideshare Credit: Earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers upon enrollment.
  • Application fee credit for Global Entry or TSA PreCheck
  • 20% back on inflight purchases
  • $150 Delta Stays Credit: Earn up to $150 back annually on eligible prepaid Delta Stays bookings on delta.com.

Cons

  • $350 annual fee (rates & fees)
  • Does not earn transferable rewards
  • Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Delta SkyMiles® Platinum American Express 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 $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
  • 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 and earn 1X Miles on all other eligible purchases.
  • $120 Resy Credit: With the Delta SkyMiles® Platinum American Express Card Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card. Enrollment Required.
  • Enjoy your first checked bag free on Delta flights.
  • Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive $100 back for Global Entry or up to $85 back for 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.
  • Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • No Foreign Transaction Fees.
  • $350 Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Delta Air Lines SkyMiles

For greater detail on the expanded benefits of several cards offering Delta perks, check out our overview of the best cards for Delta frequent flyers.

United Gateway℠ Card

United Gateway℠ Card

United Gateway℠ Card

U.P. Rating
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.

Learn More(at Chase's secure site)

United Gateway℠ Card

The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.
Earn 20,000 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.
20,000 miles
$240
$0
0% Intro APR on Purchases for 12 months; after that, 21.99% - 28.99% 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 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 20,000 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
  • Member FDIC

Financial Snapshot

  • APR: 0% Intro APR on Purchases for 12 months; after that, 21.99% - 28.99% Variable
  • Foreign Transaction Fees: None

Card Categories

If you simply want to earn United miles and have expanded access to award availability, the United Gateway card will serve those purposes nicely.

Earnings

  • 2x miles on United purchases, at gas stations and on local transit and commuting

United Benefits

  • 25% statement credit on inflight United purchases
  • Expanded award availability

Additional Card Option for United Frequent Flyers

The United℠ Explorer Card comes with a variety of benefits, from baggage to United Club access.

United℠ Explorer Card

United℠ Explorer Card

U.P. Rating
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.

Learn More(at Chase's secure site)

United℠ Explorer Card

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
50,000 bonus miles
$600
$0 introductory annual fee for the first year, then $95
21.99% - 28.99% 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 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 annual fee for the first year, then $95 annual fee
  • Does not earn transferable rewards
  • Earn 50,000 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 Club℠ with 2 one-time passes each year for your anniversary
  • Member FDIC

Financial Snapshot

  • APR: 21.99% - 28.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

United MileagePlus Frequent Flyer Program

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.

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 JetBlue Card

The JetBlue Card

U.P. Rating
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.

Learn More(at Barclay's secure site)

The JetBlue Card

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
21.24% to 29.99% 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.
  • No foreign transaction fees.

Financial Snapshot

  • APR: 21.24% to 29.99% variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

JetBlue TrueBlue Frequent Flyer Program

Earnings

  • 3x points on JetBlue
  • 2x points at restaurants and grocery stores
  • 1x point on all other purchases

Airline Benefits

  • 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 JetBlue Plus Card

The JetBlue Plus Card

U.P. Rating
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.

Learn More(at Barclays' secure site)

The JetBlue Plus Card

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
21.24 to 29.99% 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.

Financial Snapshot

  • APR: 21.24 to 29.99% variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

JetBlue TrueBlue Frequent Flyer Program

Learn more about these 2 popular JetBlue cards and the business card version in our article reviewing the best cards for JetBlue flyers.

Free Spirit® Travel Mastercard®

This basic card Free Spirit card provides some modest earning power, inflight savings, and priority boarding — not bad for a no-annual-fee card.

Free Spirit Travel Mastercard

Free Spirit Travel Mastercard

U.P. Rating
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.

Free Spirit Travel Mastercard

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
  • Automatic Zone 2 Shortcut boarding on all flights
  • Access to Points Pooling
  • Receive 5,000 bonus points each anniversary after making at least $10,000 in purchases within the prior anniversary year
  • Points don’t expire
  • No foreign transaction fees
  • No annual fee

Cons

  • No bonus categories outside of Spirit purchases
  • Does not earn transferable rewards
  • Online Offer: Earn 10,000 Bonus Points after spending at least $500 on purchases in the first 90 days of account opening
  • Earn 2X points on eligible Spirit purchases and 1 point per $1 on all other purchases
  • Receive 5,000 Bonus Points each anniversary after making at least $10,000 in purchases within the prior anniversary year
  • Access to Points Pooling to combine your points with up to 8 friends and family members
  • Get a 25% rebate on all inflight food and beverage purchases when you pay with your card

Financial Snapshot

  • APR: 15.99% to 23.99% variable
  • Foreign Transaction Fees: $0

Card Categories

Earnings

  • 2x points on Spirit
  • 1x points  on all other purchases

Airline Benefits

  • 25% rebate on inflight food and beverage purchases
  • Zone 2 shortcut boarding
  • Receive 5,000 bonus points each card anniversary after spending $10,000 each year on the card
  • Access to points pooling

Additional Card Option for Spirit Frequent Flyers

It doesn’t cost much to kick it up a notch and enjoy the associated benefits of a World Elite Mastercard.

Free Spirit® Travel More World Elite Mastercard®

Free Spirit® Travel More World Elite Mastercard®

U.P. Rating
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.

Free Spirit® Travel More World Elite Mastercard®

The Free Spirit World Elite card is a perfect option for frequent Spirit flyers that want benefits like priority boarding and inflight discounts.
Earn 50,000 bonus points + a $100 Companion Flight Voucher Offer after making at least $1,000 in purchases within the first 90 days of account opening.
50,000 points
$0 Introductory Fee for the first year. After that, $79.
20.24% to 28.24% 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.

Not only does it help you earn more Free Spirit points, but it also comes loaded with benefits like inflight discounts, priority boarding, and a fast track towards Spirit elite status.

Pros

  • 3x points per $1 Spirit purchases
  • 2x points per $1 on dining and grocery store purchases
  • 1 point per $1 on all other purchases
  • Get Zone 2 Shortcut Boarding on all flights
  • Earn 1 SQP for each $10 in net purchases toward Free Spirit status
  • Receive a $100 Companion Flight Voucher on your account anniversary after making at least $5,000 in purchases within the prior year
  • Access to points pooling
  • No redemption fees on award tickets
  • 25% rebate on all inflight food and beverage purchases
  • Points don’t expire
  • No foreign transaction fees

Cons

  • $79 annual fee
  • Does not earn transferable rewards
  • Online Offer: 50,000 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.

Financial Snapshot

  • APR: 20.24% to 28.24% Variable
  • Foreign Transaction Fees: $0

Card Categories

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 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 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 for The Hilton Honors American Express Surpass® 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.

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 Krzyszton's image

About Christine Krzyszton

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.

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