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Plenty of credit cards offer bonuses with either free points or a free night certificate, but do you know which cards offer a bonus each year available to cardmembers that keep their account active? Some of these annual perks come just by being a cardmember, where others require a minimum spend to receive a bonus. Regardless, your cost, other than the annual fee and meeting those spend requirements is zero. We've summarized the offers available and will break each one down to cover the value they provide.
|Credit Card||Annual Bonus||Annual Fee|
|World of Hyatt Credit Card||One free night at any Category 1-4 Hyatt hotel or resort every year after your cardmember anniversary, plus, an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year.. Book any standard room at a Hyatt Category 1-4 property, certificates must be booked and redeemed within 12 months of being issued.||$95|
|IHG® Rewards Club Premier Credit Card||One free night at any IHG property worldwide pricing at 40,000 points or less per night. As long as there is a standard room available you're able to use this free night. The IHG Free Night Certificate must be booked and redeemed within 12 months from the date of issue. You can find a list of excluded hotels on the IHG website.||$89|
|Marriott Bonvoy Boundless™ Credit Card||1 Free Night Award (valued up to 35,000 points) every year after account anniversary.||$95|
|Marriott Rewards® Premier Plus Business Credit Card||1 Free Night Award (valued up to 35,000 points) every year after account anniversary.||$99 (no longer accepting applications)|
|The Ritz-Carlton™ Credit Card||1 Free Night Award (valued up to 50,000 points) every year after account anniversary.||$450 (no longer open to applications)|
|Marriott Bonvoy™ American Express® Card||1 Free Night Award (valued up to 35,000 points) every year after account anniversary.||$0 introductory annual fee for the first year, then $95. (no longer accepting applications)|
|Marriott Bonvoy Business™ American Express® Card||1 Free Night Award (valued up to 35,000 points) every year after account anniversary.||$125 - Rates & Fees|
|Marriott Bonvoy Brilliant™ American Express® Card||1 Free Night Award (valued up to 50,000 points) every year after account anniversary.||$450 - Rates & Fees|
|Hilton Honors American Express Aspire Card||One Weekend Free Night Certificate each year on your account anniversary, plus a second Weekend Free Night Certificate when you spend $60,000 on eligible purchases on your card in a calendar year. While there are some exclusions, almost all of Hilton's massive global portfolio is available for redemption.||$450|
|Hilton Honors American Express Surpass® Card||One Weekend Free Night Certificate when you spend $15,000 on purchases on your card in a calendar year. While there are some exclusions, almost all of Hilton's massive global portfolio is available for redemption. (Terms Apply)||$95 - Rates & Fees|
|The Hilton Honors American Express Business Card||One Weekend Free Night Certificate when you spend $15,000 on purchases on your card in a calendar year, plus a second Weekend Free Night Certificate after you spend a total of $60,000 in purchases on your Card in the same calendar year. While there are some exclusions, almost all of Hilton's massive global portfolio is available for redemption. (Terms Apply)||$95 - Rates & Fees|
|Radisson Rewards Premier Visa Signature Card||One free night at a Club Carlson property in the United States when you charge $10,000 then renew your card by paying the Annual fee. Additionally, you receive 40,000 renewal bonus points each year when you renew your card by paying the Annual fee. This card is a double-whammy. If you spend $10,000 on the card you'll earn a free night good at any property in the US and on that $10,000 in spend you'll also earn 50,000 Club Carlson points (5 points per dollar). When you pay the $75 annual fee you'll also receive a bonus 40,000 points as well. The biggest challenge with Club Carlson is that they have limited aspirational properties in the United States, however, if you're looking for more value-based redemptions and want to rack up a ton of points, this is a solid deal.||$75|
How We'd Use These Free Nights
Each of these free nights has different potential values. The free night from the IHG Rewards Premier Card, while in the past considered the best free night certificate available when issued with IHG's old co-brand card, is now on par with those offered by Marriott and Hyatt at best. The free nights earned from the Radisson Rewards Premier Visa are a perfect example of how you could get great value from an airport hotel. This is what we'd do with each of the options:
IHG Rewards Free Night
This is a great free night to pair with a significant other or travel buddy to get a weekend away. The free night is limited to hotels costing less than 40,000 points per night, which still leaves close to 5,000 properties within the IHG portfolio available. The free night certificate must be booked and redeemed within 12 months from the date of issue.
Marriott Bonvoy Free Night
The 35,000 point limitation on the new co-brand cards' free night award can make it a challenge if you want to stay in a large city. Our best advice for the 35,000 point certificates is to cash them in at regional centers, or perhaps a high-end Marriott in Southeast Asia. For the two premium cards, 50,000 Marriott Bonvoy points are enough for a free night in a top Marriott property, and provided you get value out of the other benefits of these cards, the free night goes a long way towards mitigating the higher annual fee.
World of Hyatt Free Night
Hyatt has some Category 4 gems that make this free night valuable. Pair it with a buddy, and you've got a nice weekend getaway.
Hilton Honors Free Night
While the Hilton free nights are acquired via different spend requirements (annual fee vs. annual spend), the biggest barrier to entry is the out of pocket expense with all three cards, particularly the $60K threshold. Given that these free nights do not come without some associated effort, we'd encourage you to think aspirational. Perhaps a Waldorf or high-end Hilton property in New York or San Francisco where rates would easily top $300/night.
Radisson Rewards Free Night
This is the wild-card in the bunch. While you'll net 40,000 bonus points each year just by paying the annual fee on the card, if you spend $10,000 you'll get a free night at any property in the US, and of course you'll earn 50,000 points on that $10,000 spend. The spend + points earning + bonus points each year keep this interesting.
While there are few Radisson Rewards aspirational properties in the US, the Radisson Martinique on Broadway in New York and the Radisson Blu Aqua Hotel, Chicago are two top-notch places if you're looking to visit either city. Alternatively, save your Radisson Rewards points for those nights you need at an airport hotel or smaller cities where you can redeem for as little as 9,000 points/night ($1,800 of credit card spend).
Which is Best?
Your goals will dictate which free night(s) work for you, but we still think the IHG Rewards Premier Card and its free night certificate offer the most value, if only by a small margin. Which of these is your favorite?
For rates and fees of the cards mentioned in this post, please visit the following links: The Hilton Honors American Express Business Card (Rates & Fees), Hilton Honors American Express Surpass® Card (Rates & Fees), Marriott Bonvoy Brilliant™ American Express® Card (Rates & Fees), and Marriott Bonvoy Business™ American Express® Card (Rates & Fees)
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