Hotel credit cards haven’t got to come back with sky-high annual charges to ship actual worth. In actual fact, a few of the finest cobranded lodge playing cards cost $100 or much less whereas nonetheless providing perks like annual free nights, computerized elite standing and bonus factors that may meaningfully enhance your journey expertise.
Whether or not you are trying to economize on journeys overseas, rack up factors on on a regular basis spending or safe standing that unlocks upgrades and late checkout, these playing cards punch effectively above their weight.
On this information, I will stroll you thru six of the most effective lodge bank cards with annual charges of $100 or much less, clarify what makes each beneficial and assist you to determine which card suits your journey model.
The most effective lodge bank cards with annual charges underneath $100
The data for the Alternative Privileges Choose Mastercard and Wyndham Rewards Earner Plus Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
How to decide on a lodge bank card
When deciding which lodge card is best for you, a couple of key elements ought to information your alternative:
- Lodge loyalty comes first: Select the cardboard tied to the chain you stick with most. Meaning IHG when you keep at a number of Vacation Inn properties or Marriott for Courtyard by Marriott stays. Or, select Choice, Hilton, Hyatt or Wyndham if it’s your common model.
- Begin with versatile factors: Your first travel rewards card ought to earn transferable points, like Chase Ultimate Rewards factors or Capital One miles. Subsequent, add a lodge card for perks, then think about an airline card.
- Resolve between free nights and elite perks: Some playing cards provide free evening certificates that outweigh the annual payment, whereas others give attention to bonus earnings and perks like late checkout.
- Test bonus classes: Further factors on eating, fuel or groceries can add worth past journey spending.
- Match to your habits: The most effective card is the one that matches the way you really journey and enhances the remainder of your pockets.
Associated: How to choose a hotel credit card
Alternative Privileges Choose Mastercard
Welcome bonus: Earn 60,000 bonus factors after spending $3,000 on purchases within the first three months of account opening.
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This welcome bonus is price $360, per our September 2025 valuations.
Annual payment: $95.
Key advantages:
Why it is price it: The 30,000 anniversary bonus factors simply outweigh the annual payment, and computerized Platinum standing (with 20 annual elite evening credit) will get you midway to Diamond standing, the place free breakfast turns into a beneficial perk (at choose manufacturers).
Choice Privileges factors shine when redeeming in areas with excessive lodge prices, particularly throughout northern Europe, the place they will offset steep nightly charges. Mixed with perks just like the Global Entry/TSA PreCheck credit score (as much as $120 each 4 years) and cellphone safety (as much as $800 towards harm or theft with a $25 deductible when paying your telephone invoice with the cardboard), this card is a great low-cost choice for vacationers. It supplies constant worth whereas additionally providing a path to elevated elite standing with Alternative Privileges.
To be taught extra, learn our full review of the Choice Privileges Select.
Apply right here: Choice Privileges Select Mastercard
Hilton Honors American Categorical Card
Welcome bonus: Earn 80,000 Hilton Honors bonus factors after spending $2,000 on purchases within the first six months of card membership.
This welcome bonus is price $400, per our September 2025 valuations.
Annual payment: $0 (see rates and fees).
Key advantages:
Why it is price it: This card is a straightforward method to earn Hilton Honors factors with out an annual payment. Silver standing supplies significant perks like a fifth evening free on award stays, and bonus classes make it simple to gather factors by way of each lodge and on a regular basis spending.
This card is a sensible, low-commitment choice for vacationers who need Hilton advantages with out paying for a premium Hilton card.
To be taught extra, learn our full review of the Hilton Honors Amex Card.
Apply right here: Hilton Honors American Express Card
IHG One Rewards Premier Credit score Card
Welcome bonus: Earn 165,000 bonus factors after spending $3,000 on purchases within the first three months from account opening.
This welcome bonus is price $825, per our September 2025 valuations.
Annual payment: $99.
Key advantages:
Why it is price it: The free evening certificates alone can justify the $99 annual payment, particularly when redeemed at properties the place money charges exceed $200. I’ve had this card for a few years and sometimes use the certificates to offset dear summer season lodge stays in Europe, which simply makes the cardboard pay for itself.
The fourth-night-free perk stretches your factors even additional, making lengthy award stays considerably cheaper. And Platinum Elite standing within the IHG One Rewards program elevates your stays with room upgrades (topic to availability), welcome perks and bonus factors.
For vacationers who stick with IHG at the least a few occasions a 12 months, this card is a dependable method to unlock each financial savings and perks.
To be taught extra, learn our full review of the IHG One Rewards Premier.
Apply right here: IHG One Rewards Premier Credit Card
Marriott Bonvoy Boundless Credit score Card
Welcome bonus: Earn three free evening awards (every evening valued at as much as 50,000 factors) after spending $3,000 on purchases within the first three months from account opening. (Sure motels have resort charges.)
This welcome bonus is price as much as $1,050, per our September 2025 valuations.
Annual payment: $95.
Key advantages:
Why it is price it: The annual free evening certificates alone simply covers the $95 annual payment and may ship much more worth when used at high-cost properties. The built-in Silver Elite standing, with its advantages like late checkout (topic to availability) and bonus factors, mixed with 15 elite evening credit, provides you a pleasant head begin on standing with out additional stays.
If you happen to spend or keep sufficient to realize Gold Elite standing (25 nights in a calendar 12 months), you unlock higher perks like room upgrades (topic to availability) and additional bonus factors, making the cardboard a stable mid-tier alternative for anybody with even occasional Marriott stays.
(Notice that each one Marriott Bonvoy members, even these with out standing or a Marriott bank card, get their fifth night free on award stays.)
To be taught extra, learn our full review of the Marriott Bonvoy Boundless.
Apply right here: Marriott Bonvoy Boundless Credit Card
World of Hyatt Credit score Card
Welcome bonus: Earn as much as 60,000 bonus factors: 30,000 bonus factors after spending $3,000 on purchases within the first three months from account opening, plus as much as 30,000 extra bonus factors by incomes 2 bonus factors per greenback spent on purchases that usually earn 1 bonus level (on as much as $15,000 spent) within the first six months from account opening.
This welcome bonus is price as much as $1,020, per our September 2025 valuations.
Annual payment: $95.
Key advantages:
Why it is price it: I’ve had this card for a few years, and the annual free evening certificates (particularly at Category 4 hotels) delivers outsize worth in contrast with the $95 annual payment. It is also a superb choice to spend toward an extra free night and to push nearer to Explorist standing (and even Globalist, Hyatt’s high standing tier).
Discoverist standing presents perks like room upgrades and late checkout (topic to availability) and sooner Wi-Fi, all of which make Hyatt stays extra snug. Mixed with the power to earn extra elite nights by way of card spending, this card is a great method to unlock each short-term financial savings and long-term elite perks.
To be taught extra, learn our full review of the World of Hyatt Card.
Apply right here: World of Hyatt Credit Card
Wyndham Rewards Earner Plus Card
Welcome bonus: Earn 45,000 bonus factors after spending $1,000 on purchases throughout the first 90 days from account opening.
This welcome bonus is price $495, per our September 2025 valuations.
Annual payment: $75.
Key advantages:
- Award evening low cost
- Bonus anniversary factors
- Complimentary Platinum elite standing
Why it is price it: Platinum standing within the Wyndham Rewards program supplies you with perks like early check-in and late checkout (topic to availability) and bonus earnings on stays. The 7,500 anniversary factors you get annually already cowl a free evening at some properties, making it simple to recoup the $75 annual payment.
On high of that, you get pleasure from a ten% low cost on award redemptions, which stretches your factors additional. And it is also an important choice for fuel purchases, incomes bonus factors in a class many vacationers use closely.
For vacationers who usually stick with Wyndham, notably at its reasonably priced manufacturers, the Earner Plus Card packs wonderful worth right into a low annual payment.
To be taught extra, learn our full review of the Wyndham Rewards Earner Plus.
Backside line
You need not pay lots of of {dollars} in annual charges to get actual worth from a lodge bank card. With choices from all the main chains, it is doable to unlock free nights, standing perks and robust incomes potential at a modest price.
If I needed to slim it down, the IHG One Rewards Premier Credit Card and the World of Hyatt Credit Card are high achievers, whereas the Marriott Bonvoy Boundless Credit Card is a stable decide for Bonvoy loyalists. However whichever program you favor, these sub-$100 lodge playing cards show you can journey higher with out overspending on charges.
Associated: My top 3 picks for the best cobranded hotel credit card
For charges and charges of the Hilton Honors Amex, click on here.
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