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The 6 Best Hotel Credit Cards With Minimal Annual Fees

Making the best use of credit card rewards programs can be a great way to reduce the cost of a vacation – especially when it comes to your hotel stay. In terms of the best hotel credit cards, Chase and American Express are two leaders in the space. In particular, Chase leads the way with 149 credit million credit cards in circulation, which is a testament to the value of their credit card rewards programs.
That said, let’s explore the six best hotel credit cards from Chase and American Express that come with an annual fee of less than one hundred and fifty dollars.

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American Express

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 

American Express offers two different credit cards with attractive hotel rewards: American Express® Green Card and Hilton Honors American Express Card.

American Express® Green Card

Non-Affiliate Disclosure: All data about American Express® Green Card has been collected independently by Wisepal. American Express® Green Card is no longer available through Wisepal.  

The American Express Green Card offers 3X points on travel (flights, hotels, tours, campgrounds, car rentals, cruises, vacation rentals), transit (trains, taxicabs, rideshare services, ferries, tolls, parking, buses, subways) and worldwide restaurants.
This credit card has an annual fee of one hundred and fifty dollars and offers 21.24% to 29.24% variable APR on eligible charges. Terms Apply.

Hilton Honors American Express

The Hilton Honors American Express offers complimentary Hilton Honors Silver Status. You can also earn 7X points on eligible purchases at hotels and resorts in the Hilton portfolio and 5X points on U.S. restaurants (takeout or delivery), groceries at U.S. supermarkets, and U.S. gas stations.
This card has no annual fee and offers a 20.99% to 29.99% variable APR on purchases. See rates and fees. Terms Apply.

JPMorgan Chase

When it comes to the best hotel credit cards, Chase has three cards that we love: the World of Hyatt Credit Card, the Marriott Bonvoy Boundless® Credit Card, IHG One Rewards Premier Credit Card. Again, we’ve selected cards that have a minimal annual fee of under one hundred and fifty dollars.

World of Hyatt Credit Card

We love the World of Hyatt Credit Card because it allows you to earn 9X total points for every $1 that you spend at a Hyatt hotel or resort. While this card has an annual fee of ninety-five dollars, it also offers one free night at a Category 1-4 Hyatt hotel every year. This can help you recoup the cost of the membership. Additionally, you can earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year.
The World of Hyatt Credit Card offers a 21.49%–28.49% variable APR.

Marriott Bonvoy Boundless® Credit Card

If you’re a fan of Mariott hotels then we’d recommend checking out the Marriott Bonvoy Boundless® Credit Card. This card allows you to earn 6X points for every $1 spent at 7,000 hotels that participate with the Mariott Bonvoy Boundless credit card. If you’re a Mariott Bonvoy member then you can earn up to 10X points from Mariott.
While this card charges an annual fee of ninety-five dollars, it also gives you a free night at a Mariott hotel each year, that’s valid for a one-night hotel stay at a property with a redemption level of up to 35,000 points (certain hotels have resort fees). The Marriott Bonvoy Boundless® Credit Card offers a 21.49%–28.49% variable APR.
Chase also offers the Mariott Bonvoy Bold Credit Card (which offers similar rewards with no annual fee) as well as the Marriott Bonvoy Boundless® Credit Card (which offers more rewards for up to a two hundred and fifty dollar annual fee).

IHG One Rewards Premier

The IHG One Rewards Premier credit card is a great option for those who are avid fans of IHG hotels. This card lets you earn10X points on IHG hotel stays, up to 10X points from IHG for being an IHG One Rewards member, and up to 6X points from IHG with Platinum Elite Status. This means you can earn up to 26X rewards points.
Although this card charges an annual fee ofninety-nine dollars, it also extends a free anniversary night at a hotel, with a current point redemption cap of 40,000 points. Additionally, when you redeem points for a consecutive four-night stay at IHG hotels you can get a fourth night free (at the same hotel during the same stay). The IHG One Rewards Premier offers a 21.49%–28.49% variable APR.
If you’re looking for similar rewards but with no annual fee then we’d recommend checking out the IHG One Rewards Traveler credit card.

Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.