Many consumers only want to have a few credit cards. But even if you don’t want a wallet full of travel cards, it’s likely worth getting and keeping a cobranded hotel credit card.
I get far more value from my hotel cards than the annual fees I pay on these cards. So, here are four reasons you need a credit card with your favorite hotel loyalty program.
The annual fee is often worth it
There are no-annual-fee hotel credit cards, but it’s usually worth getting the annual-fee version, as these cards offer more perks and sometimes even a free night certificate each year.
In most cases, it’s relatively easy to get more value from the free night certificate than the annual fee you pay to keep the card. For example, the World of Hyatt Credit Card (see ) has a $95 annual fee but provides a free night at a Category 1-4 Hyatt hotel or resort every year after your cardmember anniversary.
If you redeem your free night at a Category 4 Hyatt hotel, you should easily get more than $95 in value from this perk.
Related: My top 3 picks for the best cobranded hotel credit card
