Free Hotel Nights with Credit Cards

Free night certificates are one of my favorite credit card perks. Some cards reward you with a free night for just keeping the card and paying the annual fee. You easily get at least $150 in value from a hotel night (and sometimes $250+) by just paying an annual fee of around $90-100.

Without a Spending Requirement

Below are the cards where you get a free night for just paying the annual fee. 

American Express Starwood Preferred Guest- Annual Fee ($95; waived the first year); one free night at renewal for any Marriott hotel up to 35,000 points. 

American Express Starwood Preferred Guest Business- Annual Fee ($95; waived the first year); one free night at renewal for any Marriott hotel up to 35,000 points per night. 

American Express Hilton Aspire-Annual Fee ($450); one Weekend Night each account anniversary (and first year) and second weekend night when you spend more $60,000 in a calendar year. (properties excluded) (annual fee is expensive because you get a $250 airline credit, $250 Hilton credit, Priority Pass, Diamond elite status, and a lot of other benefits)

American Express SPG Luxury- Annual Fee ($450); one free night at renewal for any Marriott hotel up to 50,000 points per night. (annual fee is expensive because you get a $300 Marriott credit, Priority Pass, Global Entry credit, Gold elite status, and a lot of other benefits)

Chase Marriott Rewards Premier Plus- Annual fee ($95); one free night on renewal for in any Marriott up to 35,000 points per night. 

Chase Marriott Rewards Premier Business- Annual fee ($99); one free night on renewal for in any Marriott up to 35,000 points per night. 

Chase IHG Rewards Club Premier- Annual fee ($89); one free night on renewal at any hotel 40,000 points or under. (List of hotels where you can’t use your free night

Chase World of Hyatt Visa- Annual fee ($95);  one free night at renewal at category 1-4 hotel; plus an additional night if you spend $15,000 in a calendar year.

With a Spending Requirement

Below are cards that require you to spend a set amount to earn a free night.

American Express Hilton Ascend– Annual Fee ($95); one free weekend night after spending $15,000 in a calendar year. (properties excluded)

American Express Hilton Business– Annual Fee ($95); one free weekend night after spending $15,000 in a calendar year plus an additional weekend night when you spend $60,000 in a calendar year. (properties excluded)

US Bank Radisson Rewards Visa- Annual Fee ($75); You get free night certificates for each $10,000 spent per cardmember year, up to three free certificates per year. However, you can only redeem these hotels in the U.S. at the following brands: Radisson Blu, Radisson, Radisson RED, Park Plaza, Park Inn by Radisson, or Country Inn & Suites.