Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Hotel cards that give you an annual free night certificate at card anniversary.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at this category. Order can differ from that column because ranking adds the adjustments above.
Amex
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Hilton Honors American Express Aspire CardAmex | 3x Hilton Honors | 1.2¢/$ | $550 | $504.50 | amex |
| World of Hyatt Credit CardChase | 1x World of Hyatt | 1.0¢/$ | $95 | — | visa |
| Capital Vacations® World Mastercard®Barclays | 1x points | 1.0¢/$ | $0 | — | mastercard |
| Marriott Bonvoy Boundless Credit CardChase | 2x Marriott Bonvoy | 1.4¢/$ | $95 | $50 |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Chase
Barclays
| visa |
| MGM Rewards Iconic World Elite Mastercard®Fnbo | 1x MGM Rewards | 1.0¢/$ | $249 | $100 | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $300 | mastercard |
| Chase Sapphire Preferred CardChase | 1x Ultimate Rewards | 1.8¢/$ | $95 | $134 | visa |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Marriott Bonvoy Bold Credit CardChase | 1x Marriott Bonvoy | 0.7¢/$ | $0 | — | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.4¢/$ | $595 | $762.50 | mastercard |
