AwardWallet receives compensation from advertising partners for links on the blog. Terms Apply to the offers listed on this page. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers.
Offers for the Hilton Honors American Express Surpass® Card, Marriott Bonvoy Bold™ Credit Card, Marriott Bonvoy Boundless™ Credit Card, The Amex EveryDay® Credit Card from American Express and The Amex EveryDay® Preferred Credit Card from American Express are not available through this site. All information has been independently collected by AwardWallet and has not been reviewed or provided by the card issuer. Some offers may have expired. Please see our card marketplace for available offers.
All information about Amex EveryDay® Preferred Credit Card, Amex EveryDay® Credit Card, and Hilton Honors American Express Surpass® Card has been collected independently by AwardWallet
Hotel credit cards can offer many perks: automatic elite status, free night certificates, elevated earning rates at hotels in that program, etc. However, the fanciest perks are typically attached to credit cards with expensive annual fees. Looking at the other end of the spectrum, there are hotel credit cards with no annual fee. What do they offer? Should you add one to your wallet?
These are the best hotel cards with no annual fee, including their welcome bonuses and ongoing perks, so you can make an informed decision.
Page Contents
Which Card Should You Choose?
Unlike premium hotel rewards cards, which often feature high-end perks like complimentary elite status or free night certificates, no-annual-fee hotel cards are comparatively light on benefits. The most important factor in choosing a card, outside of your feelings about the hotel brand, will likely be the welcome offer.
If you see yourself staying with more than one hotel brand during your travels, we've also included some flexible rewards cards towards the bottom of the post. Unlike the hotel cards that lock you into a single brand, these cards come with a bonus that you can use across multiple redemption options.
If you're unsure about paying an annual fee, we've included a link to our review of each card's premium counterpart so you can evaluate the alternatives.
Top Hotel Credit Cards With No Annual Fee
Hotel rewards cards are a great way to reduce the cost of your next getaway. These entry-level cards are an ideal starting point if you want to avoid annual fees.
Choice Privileges® Mastercard® Credit Card
Wells Fargo and Choice Privileges launched two hotel credit cards in April 2023, including the Choice Privileges® Mastercard® Credit Card with no annual fee.
- 5x points on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases
- 3x points on purchases at gas stations, grocery stores, home improvement stores and phone plan services
- 1x points on other purchases
Best feature: Cardholders receive 10 elite night credits in their Choice Privileges account each year, providing complimentary Gold status. This tier gives you member discounts, 10% bonus points on paid stays, a welcome gift during each stay in the U.S. or Canada, early check-in and late checkout privileges, and up to nine rollover nights each year. Plus, the 10 elite night credits put you halfway to Platinum status (20 nights per year).
Other key features: On top of the status perks, those with the Choice Privileges Mastercard enjoy cellphone protection, no foreign transaction fees, and World Elite Mastercard benefits. You'll also earn Choice points on each purchase:
- 5x points on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases
- 3x points on purchases at gas stations, grocery stores, home improvement stores and phone plan services
- 1x points on other purchases
Compare with: Choice Privileges® Select Mastercard® Credit Card — annual fee of $95 (waived for the first year).
Hilton Honors American Express Card
The Hilton Honors American Express Card (our full review) is another good choice for hotel credit cards with no annual fee (Rates & Fees).
- Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
- No Annual Fee.
- Terms Apply.
- Rates & Fees
- 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands
- 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
- 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Best feature: Access to Hilton's fifth night free on award stays is extremely valuable. You need to have some level of elite status with Hilton Honors to access this perk, but Hilton Amex cardmembers get complimentary Silver status. Unlike other hotel programs, Hilton's free night is an average cost of the five nights in your stay. Thus, if the price changes during your stay (due to things like a weekend or holiday), your average cost can alter the points saved by your free night. There's no limit to how many times you can use this perk. Enrollment is required for select Amex benefits.
Other key features: As mentioned above, cardmembers can enroll for complimentary Hilton Silver status. This provides benefits like member discounts, no resort fees on award stays, free Wi-Fi during your stay, free bottled water during your stay, elite rollover nights, and 20% bonus points on paid stays. Hilton Amex cardmembers who make $20,000 or more in purchases during a calendar year will move up to Hilton Gold status, qualifying for space-available room upgrades, milestone rewards, free breakfast (or food and beverage credits) and 80% bonus points on paid stays.
If you don't have enough points for an upcoming redemption, Hilton's Points and Money option lets you pay extra cash to reduce the points you need for an award. Plus, Hilton Amex cardmembers have access to multiple insurance protections and won't pay foreign transaction fees (Rates & Fees).
Cardmembers also earn Hilton points from their purchases:
- 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands
- 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
- 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Compare with: Hilton Honors American Express Surpass® Card — $95 annual fee (our full review).
IHG One Rewards Traveler Credit Card
The IHG One Rewards Traveler Card (our full review) comes with a competitive welcome bonus for a no-annual-fee hotel card.
- Earn 80,000 bonus points plus up to $50 in IHG® statement credits.
- No Annual Fee
- Earn up to 17 points total per $1 spent when you stay at IHG Hotels & Resorts
- Earn 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases
- No Foreign Transaction Fees
- Redeem 3 Nights, Get the 4th Night Free
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
- 17X points total per $1 spent when you stay at an IHG hotel
- 3X points per $1 spent on dining, utilities, select streaming services, and at gas stations
- 2X points per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 5X points for being a IHG One Rewards Traveler Credit Cardmember
- Earn 2X points from IHG® with Silver Elite Status, a benefit of this Card
- Earn 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
Best feature: You'll get a fourth night free on all points stays of four nights or longer. When booking stays of four or more nights, you'll get one night free. Effectively, this provides a 25% discount on award stays of four nights. There's no limit to the number of times you can use this benefit with IHG One Rewards.
Other key features: Cardholders receive complimentary IHG Silver status. This entry-level tier yields perks like 20% bonus points on paid stays, exemption from points expiry free Wi-Fi during your stay, and late checkout (when available). By making $20,000 in purchases on your IHG One Rewards Traveler Card in a calendar year, you'll bump up to mid-tier Gold status. This tier offers 40% bonus points on paid stays and rollover nights toward next year's status.
Cardholders also receive baggage delay insurance, lost luggage reimbursement, purchase protection, and trip cancellation/trip interruption insurance. You'll also have access to Chase Offers, up to $10 in monthly credits for Gopuff purchases (through December 2023)
As with all IHG members, you can use IHG points and cash bookings on your next stay. And you'll earn IHG points on all purchases according to this structure:
- 17X points total per $1 spent when you stay at an IHG hotel
- 3X points per $1 spent on dining, utilities, select streaming services, and at gas stations
- 2X points per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 5X points for being a IHG One Rewards Traveler Credit Cardmember
- Earn 2X points from IHG® with Silver Elite Status, a benefit of this Card
- Earn 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
Compare with: IHG One Rewards Premier Credit Card — $99 annual fee (our full review).
Marriott Bonvoy Bold® Credit Card
Marriott Bonvoy has a full suite of co-branded hotel credit cards, including one with no annual fee: the Marriott Bonvoy Bold® Credit Card (our full review).
- 3X points for every $1 spent at over 7,000 participating Marriott Bonvoy hotels
- 2X points on other travel purchases (from airfare to taxis and trains)
- 1X point on all other purchases
Best feature: Bonvoy Bold receive complimentary Silver Elite status and 15 elite night credits automatically each year. Silver Elite status provides 10% bonus points on paid stays and priority late checkout, subject to availability. However, the best part of having this card is that you're just 10 nights short of Gold Elite status (which requires 25 nights annually), providing 25% bonus points on paid stays, room upgrades (when available), and a welcome gift at check-in. Additionally, the 15 elite night credits from Marriott's personal credit cards stack with the 15 elite night credits provided to Marriott Bonvoy Business® American Express® Card cardmembers, providing Gold status and 30 elite night credits to jump-start your year.
Other key features: Points won't expire as long as you have a Marriott credit card. Plus, you'll have built-in protections like lost luggage reimbursement, baggage delay insurance, trip delay reimbursement, and purchase protection.
You'll also earn Marriott points whenever you use your card, as follows:
- 3X points for every $1 spent at over 7,000 participating Marriott Bonvoy hotels
- 2X points on other travel purchases (from airfare to taxis and trains)
- 1X point on all other purchases
Keep in mind, Marriott credit cards have complicated restrictions about who qualifies for a welcome bonus. Make sure you understand this information before applying.
Compare with: Marriott Bonvoy Boundless® Credit Card — $95 annual fee (our full review).
Wyndham Rewards Earner® Card
If you're a fan of Wyndham Rewards, you'll enjoy the Wyndham Rewards Earner® Card and the perks it can add to your next stay.
Best feature: You'll redeem 10% fewer points for free nights as a cardholder. To be clear, Wyndham says you need to have enough points to book a hotel without the discount, and this perk only applies to standard rooms, but paying 10% fewer points on every stay can lead to big savings.
Other key features: With the Wyndham Earner Card, you'll get 7,500 bonus points on your account anniversary each year, access to member discounts, and complimentary Gold status. At this tier, you'll have access to rollover nights, complimentary Wi-Fi during your stay, upgrades to preferred rooms (when available) and late checkout (when available).
You'll also earn Wyndham points on all purchases:
- 5X points at Wyndham hotels and gas stations
- 2X points on dining and grocery store purchases (excluding Target and Walmart)
- 1X point on other purchases
Compare with: Wyndham Rewards Earner® Plus Card — $75 annual fee.
Flexible Rewards Cards with No Annual Fee
If you want the flexibility to stay with any hotel brand or use your rewards to cover other types of travel expenses, you'll be better off choosing a flexible/transferable points rewards card. Fortunately, several no-annual-fee options come with a bonus that can give your trip a real financial boost.
Related: Beginners Guide to Credit Card Rewards: Transferable vs Fixed-Value Points
Amex EveryDay® Credit Card
The Amex EveryDay® Credit Card (our full review) might not be the first card you think of when it comes to hotel credit cards with no annual fee . However, this card earns Membership Rewards points on every purchase.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x)
- 1x points on other purchases
- Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
Cardmembers earn points as follows:
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x)
- 1x points on other purchases
- Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
You can use your points with three hotel partners, including Choice Privileges (1:1 transfers), Hilton Honors (1:2), and Marriott Bonvoy (1:1). Most of these transfers are immediate, meaning you can find availability in these hotel programs and use your Amex points for award stays.
Compare with: Amex EveryDay® Preferred Credit Card — $95 annual fee .
Capital One VentureOne Rewards Credit Card
The Capital One VentureOne has a welcome offer of 20,000 once you spend $500 on purchases within 3 months from account opening. You'll earn 1.25X Miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
- Earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening; worth $200 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
- 1.25 Miles on every purchase
- 0% intro APR on purchases for 15 months; 19.99% - 29.99% variable APR after that
- No foreign transaction fees
- $0 annual fee
- 1.25 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels and rental cars booked through Capital One Travel.
This card maintains a unique place in the points and miles space. Most flexible-rewards cards, including the Freedom Unlimited, require you to purchase travel through a specific website or travel portal. With Capital One miles, you can redeem towards the cost of any travel purchase (made on your card in the past 90 days) at a fixed value of 1¢ per mile.
Capital One miles can also be transferred to three hotel partners, and you don't need to hold a premium card with an annual fee to transfer to any partners. Capital One hotel partners include Accor Live Limitless (2:1 transfer ratio), Choice Privileges (1:1), and Wyndham Rewards (1:1). You also can make immediate transfers at a 1:1 ratio to Virgin Red, the loyalty program for all Virgin brands — including Virgin Hotels.
The Capital One VentureOne has the added flexibility of redeeming points for a statement credit to cover any travel purchase. However, the Freedom Unlimited has a higher everyday earning rate if you don't mind redeeming your rewards through the Chase Travel Portal.
Compare with: Capital One Venture Rewards Credit Card — $95 annual fee (our full review).
Citi Rewards+® Card
Those with the Citi Rewards+® Card can earn Citi ThankYou Points, and this card has two unique features that can help you toward your next hotel stay. However, it also has a big drawback.
- Sign-up bonus of 20,000 ThankYou Points after you spend $1,500 in purchases with your card within 3 months of account opening
- Automatically rounds up to the nearest 10 points on every purchase with no cap
- 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X point per $1 thereafter
- Top intro APR offer on purchases and balance transfers
- 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter
- 1X Points on all other purchases
- Automatically rounds up to the nearest 10 points on every purchase - with no cap
With the Citi Rewards+, you'll enjoy a unique earning structure:
- 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter
- 1X Points on all other purchases
- Automatically rounds up to the nearest 10 points on every purchase - with no cap
Moreover, you get 10% of your redeemed points back each year — on up to 100,00 redeemed points. You can use these points in the Citi Travel portal at a value of 1¢ apiece. However, to unlock Citi's hotel transfer partners, you'll need a premium credit card with an annual fee. Thus, you won't be able to transfer points to Accor Live Limitless, Choice Privileges, or Wyndham Rewards if all you hold is the Citi Rewards+.
Compare with: Citi Premier® Card — $95 annual fee (our full review).
Chase Freedom Unlimited®
The Freedom Unlimited (our full review) is the best everyday spending card within the Ultimate Rewards family of cards, earning 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
- Earn 5% on travel purchased through Chase
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
The card is marketed as a cash-back card, and points are worth 1¢ each as cash back or through the Chase Travel Portal. However, if you also hold a premium Ultimate Rewards card like the Chase Sapphire Preferred® Card, you can transfer points to three hotel partners, including IHG One Rewards, Marriott Bonvoy, and World of Hyatt — all at a 1:1 ratio.
Compare with: Chase Sapphire Preferred® Card — $95 annual fee (our full review).
Final Thoughts
There are some great cards out there with modest annual fees that are easily justified by their benefits. But if you don't want to commit to paying for benefits you aren't sure you'll use, a no-annual-fee hotel credit card can make perfect sense. These cards are a great way to build your rewards balance and score some perks that can make your stay more comfortable.
That said, if you find yourself spending more than a few nights per year with a single hotel brand, you'll probably get more value from a mid-tier or premium hotel credit card offering benefits like annual free night certificates, elite status, and a higher points-earning capacity.
If you prefer to keep your options open, the flexible rewards cards in this post (or their premium counterparts) can help you save on a stay with any hotel brand or a different type of travel expense entirely.
For rates and fees of the cards mentioned in this post, please visit the following links: Hilton Honors American Express Card (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
I’m torn between the Marriott amex vs visa. Anyone have tips?
Good list and tempting to add a few no-fee cards. But now I wish I hadn’t tossed that AmEx Hilton offer for 150,000 points recently!
I have the Hilton card and I really like that a lot. The perks are amazing and having a reliable hotel chain is super nice.
I was able to get approved for the CSP 100k offer in branch with annual fee waived for the 1st year!
I have the IHG Traveler, Chase Freedom Unlimited, and CapitalOne VentureOne and I love all of them. It’s true that there aren’t as many perks as the AF versions of the cards, but it makes no sense to pay the AF to upgrade when my family won’t be able to use the perks.
Those are also great downgrade options for hotel credit cards with annual fees if you don’t want to pay annual fees but want to keep the credit line.
This guide was very well written. Congratulations on your work. And it has the advantage that the cards are fee-free.
These are all great cards to get for the account opening bonus. It is not good though for ordinary spend except for the chase freedom card.
I have the Hilton Honors Amex card and got the better bonus of 100k points for only $1000 MS back in February. That card made sense because I already have the Amex Platinum & Chase trifecta, was well over 5/24, and am new to points and miles, and thus giving hotel loyalty a spin. I didn’t want to pay an annual fee just for a slightly higher earn rate and duplication of benefits coming from my other cards. The Hilton Amex is part of my card “base”, as I’ll always have at least Silver status and the 5th free night benefit, whether or not I decide that loyalty to Hilton is a worthwhile effort long-term.
I plan on getting the World of Hyatt card down the road to complete the ensemble, and possibly upgrade to the Hilton Surpass if I find myself in Hiltons at least 7 nights a year.
I have most of these cards already, except for Capital One since they won’t approve me for any cards. The only downside to these cards is they might interfere with the Chase 5/24 and stop you from getting a more lucrative offer. That being said, with no annual fee, there’s very little downside to having them all, even if they become “sock drawer” cards after the earning the initial bonus.
Had no idea that Marriott had a no annual fee version of the card! I still have the Marriott Rewards Premier card and I am holding on to it because of the 1 elite night credit per $3K spend, in addition to the 15 annual elite night credits and the (mostly useless) 25K night certificate. Perhaps, I will downgrade to the Boundless Bold once I hit Lifetime Platinum and save myself the $85 annual fee.
Thanks for the info!
These are good options but like have Amex Gold so I can transfer to multiple travel partners.
Why choose? If they don’t have an annual fee, I want them all!
Citi double cash that you can convert to TY points is a nice card.
What would you recommend from Hilton Honnors and Marriot?
good card for us. i use for my dinner and travel.
Very good note, I have the Hyatt card and every year I use the free night award.
I now have all these cards. I’m getting the bonus from the IHG Traveler card after I pay my taxes. The fourth night free is a great benefit in addition to what I already get with my legacy IHG card. Just be careful, Chase locked my account after I was approved for the card — they thought it was a fraudulent application since I already another IHG card. I had to spend hours waiting on hold on the phone to have them unlock my account.
I have some degree of sympathy for the credit card companies, as I’m sure they face an astounding amount of attempted fraud. And, I want them to error on the side of caution and protect me and my credit. However, this seems to be a case of a poorly educated algorithm. They certainly can see from your credit report that you carry a lot of cards and have likely opened and closed many over the years. AND, they approved you after a review. But, then, after the fact, they decide to believe it’s fraud, just because you have another IHG card? Over the years, they have to have faced countless instances of IHG cardholders pursuing a second, different IHG card.
If I’ve had the IHG Premier card for less than a year (Oct 2019), can I still apply for the IHG Traveler credit card and still get the sign-up bonus?
The T&C for the Traveler card only focus on whether or not you have another Traveler Card: “This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.” So, it seems like you would be eligible for the bonus if you meet those restrictions.
I have the Venture One card. I use it for all purchases that will take a credit card, and have been saving up points for a major trip. I like the multiple options on redeeming points and that I can use it for different types of travel expenses. But thank you for this article – I may apply for the Chase card as well.
I have no annual fee Hilton Honors for many years. It was a great travel credit card, till recently American Express started to discontinue many perks. Also, I experienced difficulties attempting to use accumulated points.
I found that IHG card has more value, better pecks, and I could book several rewards nights in different countries during my last travel to Europe.
Nice breakdown of all the no-annual-fee cards for us cheapskates out there 🙂 I was especially surprised to see that I have 3 of the 5 cards reviewed here! I’ve only been in this game for less than a year and am still in the building points/miles stage, so it was quite the surprise and confidence booster to see that I had amassed cards recommended here. Hopefully this means I’m on the right track!
Any Hyatt card without annual fees available? Like that brand hotels.
Unlike many other hotel loyalty programs, there’s only one Hyatt card that’s currently available to new cardholders, and it has a $95 annual fee: https://awardwallet.com/blog/hyatt-credit-card-review/
Only one choice but it comes with a free night certificate so it pays for itself really easy if you like the hotels and stay there anyway.
Great to know there are $0 fee hotel cards available. Thanks for the info!
Hilton is definitely the winner here…especially if you get upgrade offers!
nice to see the hotels are trying to bring back business and these cards are a good start.
Good article. I don’t mind paying the fee for the hyatt card and getting status and the free award night every year. Card essentially pays for itself!
A very insightful article-I has no idea that there were $0 fee hotel cards with worthwhile bonuses. The Hilton card is a perfect boost to my account
In most cases, I think a mid-tier hotel card is the way to go. A certificate usually more than makes up for the annual fee.
I have the Hilton Honors and it’s actually an ok card. For everyday spend it comes out to around 1.5% cashback- albeit it’s locked into Hilton and you can both do better and WAY worse. I’m actually quite shocked both the free card and the $450 Aspire both earn 3x points on everyday spend. You’d think for $450 it should be at least 4x.