Best hotel credit cards with annual fees under $100

Aug 15, 2021

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Before you book your next vacation, a simple way to ensure you’ll enjoy extra benefits is to carry the credit card of the hotel chain where you’re staying. Hotel credit cards usually earn bonus points on spending with the hotel, plus they typically include additional benefits like automatic elite status, a generous welcome bonus, and a free award night each year. With so many lucrative benefits, the best hotel credit cards under $100 easily justify paying the annual fee.

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Best hotel credit cards with annual fees under $100

The information for the Radisson Rewards Premier Visa Signature and the Wyndham Rewards Earner Plus has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuers.

In This Post

Comparison of the best hotel credit cards with annual fees of $100 or less

Card Welcome bonus Annual fee Earning power Elite status Annual free night Foreign transaction fees Other benefits
World of Hyatt Credit Card Up to 60,000 points — 30,000 points after spending $3,000 in the first 3 months; plus up to 30,000 more with 2x spend on 1x categories in the first 6 months $95

4x at Hyatt

2x on dining, airlines, local transit, fitness & gyms

1x on other eligible purchases

Automatic Discoverist

5 elite night credits

2 elite night credits per $5,000 spent

Free Category 1-4 night worth up to 15,000 points

Additional Category 1-4 free night after spending $15,000 each year

None Travel coverage

Purchase protection

Marriott Bonvoy Boundless Credit Card 125,000 bonus points + 1 free night (valued up to 50,000 points) after you spend $5,000 in the first three months from account opening (total of up to 175,000 bonus points). $95 6x at Marriott
2x on other eligible purchases
Automatic Silver Elite status
Gold status after spending $35,000 on purchases in a calendar year
15 elite night credits
Free night up to 35,000 points None Travel coverage
Purchase protection
Hilton Honors American Express Surpass® Card

 

Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months. $95 (see rates & fees) 12x on eligible purchases at hotels and resorts in the Hilton portfolio.
6x at U.S.restaurants, U.S. supermarkets, and U.S. gas stations
3x on other eligible purchases
Automatic Gold status

Diamond status after spending $40,000 in a calendar year

Free weekend night after spending $15,000 in a calendar year None 10 complimentary passes to Priority Pass lounges

Enrollment required.

IHG® Rewards Club Premier Credit Card 150,000 points after spending $3,000 in the first 3 months $89 (waived first year) 10x at IHG
2x on gas, groceries, and dining
1x on other eligible purchases
Automatic Platinum Elite status Reward night worth up to 40,000 points None Travel coverage
Purchase protection
4th night award stays
Up to $100 every 4 years for Global Entry or TSA PreCheck
10,000 bonus points after spending $20,000 each year
Radisson Rewards Premier Visa Signature® Card Up to 85,000 points  — 50,000 points after first purchase
35,000 additional points after $2,500 spend in the first 90 days
$75 10x at Radisson
5x on other eligible purchases
Automatic Gold status
15 elite night credits
One free night for every $10,000 you spend each year, up to 3 free nights total, upon renewal 2% in U.S. dollars
3% in foreign currency
Travel benefits
40,000 bonus points upon renewal
Wyndham Rewards Earner® Plus Card Up to 90,000 bonus points — 60,000 points after spending $1,000 in the first 90 days; plus 30,000 additional points after spending $2,000 total in the first 6 months $75 6x Wyndham and gas
4x dining and grocery store purchases (excluding Target® and Walmart®)
1x all else
Automatic Platinum status None None 7,500 bonus points upon renewal
Cardmember booking discount
10% discount on award nights

 

World of Hyatt Credit Card

Annual fee: $95

Current welcome offer: Up to 60,000 bonus points. 30,000 points after spending $3,000 in the first three months, plus up to 30,000 more bonus points by earning two bonus points per $1 in the first six months on purchases that normally earn just one bonus point on up to $15,000 spent.

Why it’s worth it: The World of Hyatt Credit Card is a perennial keeper thanks to its annual free night worth up to 15,000 points, and the ability to earn a second free night after spending just $15,000 on purchases per calendar year. Most travelers can easily spend an average of $1,250 per month on their card each year to snag that second free night.

It comes with automatic Discoverist status, which normally requires 10 Tier-Qualifying Nights or 25,000 base points earned [however, Discoverist qualification requirements have been reduced to five nights and 12,500 points for 2021]. This status is two steps down from top-tier Globalist status, but the card includes five qualifying night credits towards elite status each year. Plus, you can earn two additional night credits for every $5,000 you spend on the card. Theoretically, you could earn Globalist status solely based on your credit card spend.

You’ll earn 4 points per dollar spent at Hyatt hotels and those affiliated with World of Hyatt. Plus, receive 2 points at restaurants, on airline tickets purchased directly from airlines, local transit and commuting, and fitness club and gym memberships. All other purchases earn 1x point per dollar.

For more information, see the World of Hyatt Credit Card review and learn why this card is a must for Hyatt travelers.

Apply here: World of Hyatt Credit Card

Marriott Bonvoy Boundless credit card

(Photo courtesy of Ryan Patterson/The Points Guy)

Annual fee: $95

Current welcome offer: Earn 125,000 bonus points + 1 free night (valued up to 50,000 points) after you spend $5,000 in the first three months from account opening (total of up to 175,000 bonus points).

Why it’s worth it: The welcome bonus of three free nights worth up to 50,000 each is one of the most generous offers this card has ever had. The annual free night that comes with the Marriott Bonvoy Boundless credit card is capped at 35,000 points, so these three free nights have a higher potential value.

Additionally, Marriott lovers can earn up to 25,000 bonus points towards a future stay with the second part of the new account bonus offer. You’ll receive 10x points per dollar during the first six months on the first $2,500 you spend at gas stations, grocery stores, and restaurants combined.

Cardholders receive automatic Silver Elite status, which includes 10% bonus points on stays, priority late checkout, and free WiFi. You’ll be upgraded to Gold Elite status after spending $35,000 on purchases each calendar year and receive 15 elite night credits towards higher status levels.

To learn more about this card, read the Marriott Bonvoy Boundless Review.

Apply here: Marriott Bonvoy Boundless

Hilton Honors American Express Surpass® Card

(Photo by John Gribben for The Points Guy)

Annual fee: $95 (see rates & fees)

Current welcome offer: Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.

Why it’s worth it: The Hilton Honors American Express Surpass Card offers one of the highest hotel credit card welcome bonuses on this list. You’ll receive up to 180,000 bonus points after spending a total of $10,000 in the first three months.

Cardholders receive automatic Gold status, which normally requires 20 nights at Hilton properties. This status includes 5th-night free on points redemptions, an 80% bonus on paid stays, space-available room upgrades, and a daily food & beverage credit at U.S. hotels (or continental breakfast when traveling abroad). Your status will be upgraded to Diamond after spending $40,000 on purchases in a calendar year.

This card earns 12x points at hotels and resorts in the Hilton portfolio and 6x points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. All other eligible purchases earn 3x points per dollar. You’ll receive a free weekend night that can be used at almost any participating Hilton Honors property when you spend $15,000 on purchases on the card in a calendar year. Plus, you can enjoy up to 10 complimentary visits at Priority Pass lounges annually (enrollment required).

For more information, see the Hilton Honors American Express Surpass Card review.

Apply here: Hilton American Express Surpass

IHG® Rewards Club Premier Credit Card

The IHG® Rewards Club Premier Credit Card
(Photo by The Points Guy)

Annual fee: $0 intro annual fee the first year, then $89

Current welcome offer: 150,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

Why it’s worth it: People who redeem points with IHG love the 4th-night reward benefit on award stays. This perk saves up to 25% on point redemptions and can be used an unlimited number of times. You can pair this benefit with the annual free night (worth up to 40,000 points) for an even longer stay.

New cardholders can earn 150,000 bonus points after spending $3,000 in the first three months after opening their account. Plus, you’ll earn 10,000 bonus points each year that you make $20,000 in purchases.

You’ll earn an additional 10x points per dollar spent at IHG properties with the IHG Rewards Club Premier Credit Card. This is in addition to the 15x points you earn from being an IHG Rewards Club Member (10x) and the complimentary Platinum Elite Status from having the card (5x). Purchases at gas stations, grocery stores, and restaurants earn 2x points and all other purchases earn 1x.

There are no foreign transaction fees and the first year’s annual fee is waived. Plus, you’ll be reimbursed up to $100 every four years for Global Entry or TSA PreCheck application fees.

For more information, see the IHG Rewards Club Premier Credit Card review.

Apply here: IHG Rewards Club Premier Credit Card

Radisson Rewards Premier Visa Signature® Card

Radisson Rewards Visa
(Photo by John Gribben for The Points Guy)

Annual fee: $75

Current welcome offer: Up to 85,000 bonus points — 50,000 bonus points after first purchase, plus 35,000 bonus points after spending $2,500 in the first 90 days.

Why it’s worth it: You can earn up to three free nights with the Radisson Rewards Premier Visa Signature Card each year based on your spending. You’ll receive one free night e-Cert for every $10,000 you spend on purchases each year after renewal. Plus, every year that you renew the card, you’ll receive another 40,000 bonus points.

Although Radisson Rewards doesn’t get the same attention as other brands, they have some amazing properties around the world. I just returned from Aruba with my kids after spending four nights in a three-bedroom 2,150 square foot Penthouse. The brand new Radisson Blu Aruba was a steal at 105,000 points per night.

Cardholders receive automatic Gold status and, if you already have Gold or Platinum status, you’ll receive 15 elite night credits towards even higher levels. The card does charge foreign transaction fees, so you may want to restrict its use to Radisson purchases when traveling internationally.

Wyndham Rewards Earner® Plus Card

(Photo by John Gribben for The Points Guy)

Annual fee: $75

Current welcome offer: Up to 90,000 bonus points — 60,000 bonus points after spending $1,000 in the first 90 days, plus an additional 30,000 bonus points when you spend $2,000 total in the first six months.

Why it’s worth it: Because of Wyndham’s award structure, the full sign-up bonus alone of 90,000 points is worth up to 12 free nights at participating properties.

Eligible purchases at Wyndham properties and at gas stations earn 6 points per dollar, while dining and grocery store transactions earn 4x points. All other purchases (except Wyndham Timeshare resort down payments) earn 1 point per dollar. You’ll also receive an annual bonus of 7,500 points each year upon renewal of the card, which is enough for a free night in some Wyndham properties. Those earning rates and anniversary bonus are truly phenomenal if you visit Wyndham locations regularly.

Cardholders receive automatic Platinum-level elite benefits, such as early check-in, car rental upgrades, and more. Wyndham offers exclusive discounts on rooms and free night redemptions cost 10% fewer points for cardholders.

For more information, see the Wyndham Rewards Earn Plus Card review.

Bottom line

Choosing the right hotel credit card can unlock attractive benefits and increased earning power at your favorite hotel brand. The best hotel credit cards under $100 can provide automatic elite status, the opportunity for annual free nights, bonus points when paying for your stay, and many other benefits. Although most of these credit cards do charge annual fees, the value of their benefits and additional rewards easily make up for the small price tag.

For rates and fees of the Hilton Honors Surpass Amex card, click here.

Featured image by Isabelle Raphael.

Delta SkyMiles® Platinum American Express Card

Earn 90,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in the first three months of card membership. Offer ends 11/10/2021.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

Apply Now
More Things to Know
  • Limited Time Offer: Earn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
15.74%-24.74% Variable
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.