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The 6 Best Hotel Credit Cards Under $100: A Guide to Get Great Value
July 1, 2025
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The information for the Marriott Bonvoy Boundless® Credit Card has been collected independently by JoinKudos. The card details on this page have not been reviewed or provided by the card issuer.
While premium travel cards often charge $400–$700 in yearly fees, some of the smartest value plays in travel rewards come from hotel credit cards with modest annual fees under $100. In fact, several hotel cards under $100 still offer perks like free nights and automatic elite status that can meaningfully improve your travel experience.
That means you don’t need to spend a fortune to unlock VIP benefits on your trips. Whether you’re an occasional vacationer or a road-warrior on a budget, these affordable cards deliver outsized value that can transform your hotel stays.
Below are our top six picks for hotel credit cards that deliver premium perks without the premium price tag. Each of these cards charges $0–$99 in annual fees, yet they come packed with benefits like free anniversary nights, loyalty status upgrades, and more. Let’s dive in!
IHG One Rewards Premier Credit Card
[[ SINGLE_CARD * {"id": "502", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Frequent Travelers", "headerHint" : "Excellent Travel Choice" } ]]
The World of Hyatt Credit Card
[[ SINGLE_CARD * {"id": "2854", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Frequent Travelers", "headerHint" : "Attractive Rewards Rate and Benefits" } ]]
Marriott Bonvoy Boundless® Credit Card
[[ SINGLE_CARD * {"id": "1188", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Frequent Travelers", "headerHint" : "Significant Welcome Bonus" } ]]
Wyndham Rewards Earner Plus Card
[[ SINGLE_CARD * {"id": "7579", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Wyndham Hotel Visitors", "headerHint" : "Earn Bonus Points" } ]]
Choice Privileges® Select Mastercard® Credit Card
[[ SINGLE_CARD * {"id": "3738", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Choice Hotel Visitors", "headerHint" : "10x at Choice Hotels" } ]]
Hilton Honors American Express Card
[[ SINGLE_CARD * {"id": "105", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Loyal Hilton Guests", "headerHint": "Compelling Choice"} ]]
FAQs
Do hotel credit cards under $100 offer free nights?
Yes – many do. Cards like the Marriott Boundless, Hyatt, IHG Premier, and Choice Privileges provide an annual free night certificate that can be worth hundreds of dollars.
Can you get elite status with a low annual fee hotel card?
Yes. Most hotel cards under $100 automatically grant elite status, such as Platinum Elite (IHG) or Silver Elite (Hilton, Marriott).
Is it worth having a hotel card if I only travel a few times a year?
Yes – the free night certificates alone often cover the annual fee after just one stay, making them valuable even for occasional travelers.
Can I hold more than one hotel card?
Yes. Many travelers use multiple hotel cards to unlock free nights across different brands. Just be mindful of annual fees and your spending habits.
The Bottom Line
You don’t need a high-annual-fee travel card to unlock elite benefits and free nights. From Marriott to Hilton to Hyatt, these six credit cards prove that hotel cards under $100 can deliver real value. Pick the card that best fits your travel style, and you’ll enjoy upgrades, rewards, and perks without overspending.
And remember, Kudos can help you maximize those rewards by telling you which card to use at checkout so you never miss out on perks or points.
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Editorial Disclosure: Opinions expressed here are those of Kudos 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.
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