Best Credit Cards with Free Night Awards
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.
Hilton Honors American Express Aspire Card
American Express
- +Annual Free Night Reward
- +Free Night Reward After $30,000 Spend
- +Second Free Night Reward After $60,000 Spend
World of Hyatt Credit Card
Chase
- +Anniversary Free Night
- +Bonus Free Night on Spend
- +5 Tier-Qualifying Night Credits Annually
Capital Vacations® World Mastercard®
Barclays
- +3-night Capital Vacations Resort Stay Certificate
- +5,000 points bonus (~$35 value)
- +No annual fee
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Hilton Honors American Express Aspire CardAmerican Express | 3x Hilton Honors | 1.2¢/$ | $550 | $509.50 | amex |
| World of Hyatt Credit CardChase | 1x World of Hyatt | 1.0¢/$ | $95 | — | visa |
| Capital Vacations® World Mastercard®Barclays | 1x points | 1.0¢/$ | $0 | — | mastercard |
| Marriott Bonvoy Boundless Credit CardChase | 2x Marriott Bonvoy | 1.4¢/$ | $95 | — | visa |
| MGM Rewards Iconic World Elite Mastercard®FNBO | 1x MGM Rewards | 1.0¢/$ | $249 | $100 | mastercard |
| IHG One Rewards Credit CardChase | 2x IHG One Rewards | 1.2¢/$ | $0 | — | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.0¢/$ | $495 | $300 | mastercard |
| Marriott Bonvoy Bevy American Express CardAmerican Express | 2x Marriott Bonvoy | 1.4¢/$ | $250 | — | amex |
| Wyndham Rewards Earner CardBarclays | 1x Wyndham Rewards | 0.7¢/$ | $0 | — | visa |
| Marriott Bonvoy Bold Credit CardChase | 1x Marriott Bonvoy | 0.7¢/$ | $0 | — | visa |
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Open in full search with filters →Guides for this category
- Points & MilesChase points for Hyatt versus a cash hotel rate: a worked comparisonA worked two-night comparison of Chase points transferred to Hyatt against the cash rate: the 4:3 ratio, resort fees, and the rewards a paid stay would earn.
- Points & MilesBefore you transfer points: availability, ratios, timing, and feesTransfers are final. Seven checks before moving bank points: full availability, account eligibility, ratios and rounding, bonuses, fees, timing, and cancellation.