{"id":49400,"date":"2025-11-16T21:10:01","date_gmt":"2025-11-16T21:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=49400"},"modified":"2026-04-20T11:04:50","modified_gmt":"2026-04-20T11:04:50","slug":"hotel-cards-no-annual-fee","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/hotels\/hotel-cards-no-annual-fee\/","title":{"rendered":"From Co-Brand Products to Flexible Rewards: The 9 Best Hotel Credit Cards With No Annual Fee"},"content":{"rendered":"<p>Hotel credit cards can offer many perks \u2014 automatic elite status, free night certificates, and elevated earning rates at hotels in that program. The best perks come with credit cards that charge high annual fees. But good news for those who want to avoid paying an annual fee: Some hotel credit cards still offer perks without charging an annual fee.<\/p>\n<p>If you want to earn points toward your next hotel stay without adding another high-annual-fee credit card to your wallet, these are the best hotel cards with no annual fee. Here's what to know about each card, including its welcome bonus and ongoing perks, so you can make an informed decision.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Which_Hotel_Card_Should_You_Choose\">Which Hotel Card Should You Choose?<\/a><\/li><li><a href=\"#Overview_of_No-Annual-Fee_Hotel_Credit_Cards\">Overview of No-Annual-Fee Hotel Credit Cards<\/a><\/li><li><a href=\"#Top_Hotel_Credit_Cards_With_No_Annual_Fee\">Top Hotel Credit Cards With No Annual Fee<\/a><ul><li><a href=\"#Choice_Privileges_Mastercard\">Choice Privileges<sup>\u00ae<\/sup> Mastercard<sup>\u00ae<\/sup><\/a><\/li><li><a href=\"#Hilton_Honors_American_Express_Card\">Hilton Honors American Express Card<\/a><\/li><li><a href=\"#IHG_One_Rewards_Traveler_Credit_Card\">IHG One Rewards Traveler Credit Card<\/a><\/li><li><a href=\"#Marriott_Bonvoy_Bold_Credit_Card\">Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card<\/a><\/li><li><a href=\"#Wyndham_Rewards_Earner_Card\">Wyndham Rewards Earner<sup>\u00ae<\/sup> Card<\/a><\/li><\/ul><\/li><li><a href=\"#Flexible_Rewards_Cards_With_No_Annual_Fee\">Flexible Rewards Cards With No Annual Fee<\/a><ul><li><a href=\"#Chase_Freedom_Unlimited\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a><\/li><li><a href=\"#Capital_One_VentureOne_Rewards_Credit_Card\">Capital One VentureOne Rewards Credit Card<\/a><\/li><li><a href=\"#Citi_Strata_Card\">Citi Strata\u2120 Card<\/a><\/li><li><a href=\"#Wells_Fargo_Autograph_Card\">Wells Fargo Autograph<sup>\u00ae<\/sup> Card<\/a><\/li><\/ul><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Which_Hotel_Card_Should_You_Choose\">Which Hotel Card Should You Choose?<\/span><\/h2>\n<p>Unlike premium hotel rewards cards &#8212; which often feature high-end perks like <a target=\"_blank\" href=\"\/credit-cards\/hotels\/best-hotel-card-elite-status\/\" rel=\"noopener\">complimentary elite status<\/a> or free night certificates &#8212; no-annual-fee hotel cards are comparatively light on benefits. After factoring in which hotel brand you prefer, the most important factor in choosing a card will likely be the welcome offer available in year one.<\/p>\n<p>If you stay with multiple hotel brands during your travels, we've included some flexible rewards cards towards the bottom of the post. Unlike the co-branded hotel cards that lock you into a single brand, these cards earn points that you could use with multiple hotel brands \u2014 or to pay for hotels using points in a travel portal. This provides increased flexibility.<\/p>\n<p>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.<\/p>\n<figure id=\"attachment_231353\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-231353 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/10\/Hyatt-Wildbirch-Featured.png\" alt=\"Lobby of the Wildbirch Hotel - JDV by Hyatt.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/10\/Hyatt-Wildbirch-Featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/10\/Hyatt-Wildbirch-Featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/10\/Hyatt-Wildbirch-Featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/10\/Hyatt-Wildbirch-Featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>The Wildbirch Hotel &#8211; JDV by Hyatt. Credit: Hyatt<\/em><\/enter><\/figure>\n<h2><span id=\"Overview_of_No-Annual-Fee_Hotel_Credit_Cards\">Overview of No-Annual-Fee Hotel Credit Cards<\/span><\/h2>\n<p>Before we jump into the details of each card, here's a big-picture look at the no-annual-fee co-brand cards that stand out:<\/p>\n\n<table id=\"tablepress-838\" class=\"tablepress tablepress-id-838 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Card Name<\/th><th class=\"column-2\">Welcome Offer<\/th><th class=\"column-3\">Key Perks<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a data-ccid=\"62\" href=\"https:\/\/awardwallet.com\/credit-cards\/choice-privileges\/choice-privileges-credit-card\/\">Choice Privileges<sup>\u00ae<\/sup> Mastercard<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"62\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/choice\/terms\/?FPID=0124CEIXP10LTO&product_code=CC&subproduct_code=CP&sub_channel=AFF&vendor_code=LS\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 5 reward nights at select Choice Hotels<sup>\u00ae<\/sup> properties. Additional fees may apply.<\/td><td class=\"column-3\">\u2022 10 elite night credits<br \/>\n\u2022 Complimentary Gold status<br \/>\n\u2022 Cellphone protection<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048112\" href=\"https:\/\/awardwallet.com\/credit-cards\/hilton-honors\/hilton-amex\/\">Hilton Honors American Express Card<\/a>(<a data-ccid=\"4048112\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-credit-card\/26129-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express Card within your first 6 months of Card Membership. Offer ends 7\/29\/26.<\/td><td class=\"column-3\">\u2022 Complimentary Silver status<br \/>\n\u2022 Fifth night free on award stays<br \/>\n\u2022 Spend your way to Gold status with purchases on the card<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048176\" href=\"https:\/\/awardwallet.com\/credit-cards\/ihg-one-rewards\/ihg-traveler-card\/\">IHG One Rewards Traveler Card<\/a> (<a data-ccid=\"4048176\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005139&type=3&u1=e1f2f89981615a17a0a3e708a4c411ef&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">Limited Time Offer! Earn up to 125,000 bonus points. Earn 90,000 Bonus Points after spending $2,000 in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $4,000 in the first 6 months from account opening.<\/td><td class=\"column-3\">\u2022 Fourth night free on award stays<br \/>\n\u2022 Complimentary Silver Elite status<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048164\" href=\"https:\/\/awardwallet.com\/credit-cards\/marriott-bonvoy\/chase-bonvoy-bold\/\">Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"4048164\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005145&type=3&subid=0=a59a355e6af7868136121cf8d1daca46&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">Earn 30,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card!<\/td><td class=\"column-3\">\u2022 5 elite night credits<br \/>\n\u2022 Complimentary Silver Elite status<br \/>\n\u2022 Fifth night free on award stays<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a data-ccid=\"69\" href=\"https:\/\/awardwallet.com\/credit-cards\/wyndham-rewards\/wyndham-earner-card\/\">Wyndham Rewards Earner<sup>\u00ae<\/sup> Card<\/a><\/td><td class=\"column-2\">Earn 30,000 bonus points after spending $1,000 on purchases in the first 90 days.<\/td><td class=\"column-3\">\u2022 10% award redemption discount<br \/>\n\u2022 Complimentary Silver Elite status<br \/>\n\u2022 7,500 bonus points on each account <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h2><span id=\"Top_Hotel_Credit_Cards_With_No_Annual_Fee\">Top Hotel Credit Cards With No Annual Fee<\/span><\/h2>\n<p>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.<\/p>\n<h3><span id=\"Choice_Privileges_Mastercard\">Choice Privileges<sup>\u00ae<\/sup> Mastercard<sup>\u00ae<\/sup><\/span><\/h3>\n<p>Wells Fargo and Choice Privileges <a target=\"_blank\" href=\"\/credit-cards\/choice-privileges\/choice-hotels-credit-card\/?awid=homepage\" rel=\"noopener\">launched two hotel credit cards<\/a> in April 2023, including the <a data-ccid=\"62\" href=\"\/blog\/link\/CR-ChoicePrivilegesMastercard\" rel=\"noopener nofollow sponsored\">Choice Privileges<sup>\u00ae<\/sup> Mastercard<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"62\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/choice\/terms\/?FPID=0124CEIXP10LTO&product_code=CC&subproduct_code=CP&sub_channel=AFF&vendor_code=LS\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) with no annual fee.<\/p>\n<p><strong>Best feature: <\/strong>Cardholders receive 10 elite night credits in their <a target=\"_blank\" href=\"\/hotels\/choice-privileges\/\" rel=\"noopener\">Choice Privileges<\/a> 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).<\/p>\n<p><div class=\"qs-card\" data-id=\"62\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Choice Privileges<sup>\u00ae<\/sup> Mastercard<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"http:\/\/merchant.linksynergy.com\/fs\/banners\/40602\/40602_45.png\" width=\"150\" alt=\"Choice Privileges\u00ae Mastercard\u00ae\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"62\" href=\"\/blog\/link\/CR-ChoicePrivilegesMastercard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\">On Wells Fargo's website<br><a data-ccid=\"62\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/choice\/terms\/?FPID=0124CEIXP10LTO&product_code=CC&subproduct_code=CP&sub_channel=AFF&vendor_code=LS\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 5 reward nights at select Choice Hotels<sup>\u00ae<\/sup> properties. Additional fees may apply.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Choice Privileges<sup>\u00ae<\/sup> Mastercard<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 5 reward nights at select Choice Hotels<sup>\u00ae<\/sup> properties. Additional fees may apply.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Earn 5x points on Choice Hotels stays, 3x at gas stations, grocery stores, home improvement stores, and on phone plan services, plus 1x on other purchases. Enjoy 10 Elite Night Credits annually, qualifying for at least Gold level status, $800 cell phone protection (with a $25 deductible), no foreign transaction fees, and a $0 annual fee\u2014perfect for Choice Hotels enthusiasts.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5x points on stays at participating Choice Hotels<sup>\u00ae<\/sup> properties plus on Choice Privileges point purchases<\/li>\r\n<li>3x points on purchases at gas stations, grocery stores, home improvement stores and on phone plan services<\/li>\r\n<li>1x points on other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/ChoiceMC\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-225dd03297#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p><strong>Other key features:\u00a0<\/strong>On top of the status perks, those with the Choice Privileges Mastercard enjoy\u00a0cellphone protection, no foreign transaction fees, and <a target=\"_blank\" href=\"\/credit-cards\/world-elite-mastercard-benefits\/\" rel=\"noopener\">World Elite Mastercard benefits<\/a>. You'll also earn Choice points on each purchase:<\/p>\n<ul>\r\n<li>5x points on stays at participating Choice Hotels<sup>\u00ae<\/sup> properties plus on Choice Privileges point purchases<\/li>\r\n<li>3x points on purchases at gas stations, grocery stores, home improvement stores and on phone plan services<\/li>\r\n<li>1x points on other purchases<\/li>\r\n<\/ul>\n<p><strong>Compare with:\u00a0<\/strong><a data-ccid=\"49\" href=\"https:\/\/awardwallet.com\/credit-cards\/choice-privileges\/choice-privileges-select-credit-card\/\">Choice Privileges<sup>\u00ae<\/sup> Select Mastercard<sup>\u00ae<\/sup><\/a>(<a data-ccid=\"49\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/choice-select\/terms\/?FPID=0123CBIXP10000&product_code=CC&subproduct_code=CE&sub_channel=AFF&vendor_code=LS\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), which has a $95 annual fee, but more perks.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/choice-privileges\/choice-privileges-credit-card\/\" rel=\"noopener\">Choice Privileges Mastercard Full Review<\/a>\u00a0<\/strong><\/p>\n<h3><span id=\"Hilton_Honors_American_Express_Card\">Hilton Honors American Express Card<\/span><\/h3>\n<p>The <a data-ccid=\"4048112\" href=\"https:\/\/awardwallet.com\/credit-cards\/hilton-honors\/hilton-amex\/\">Hilton Honors American Express Card<\/a> is solid no-annual-fee option (<a data-ccid=\"4048112\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-credit-card\/26129-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<p><strong>Best feature:\u00a0<\/strong>Access to <a target=\"_blank\" href=\"\/hotels\/hilton-honors\/hilton-5th-night-free\/\" rel=\"noopener\">Hilton's fifth night free on award stays<\/a> is extremely valuable. To access this perk, you need to have some level of <a target=\"_blank\" href=\"\/hotels\/hilton-honors\/#How_to_Achieve_Hilton_Honors_Elite_Status\" rel=\"noopener\">elite status with Hilton Honors\u2122<\/a>. Thankfully, Hilton Amex cardmembers get complimentary Silver status. Note that you must book five consecutive nights using points for a Standard Room Reward stay at the same property. There's no limit to how many times you can use this perk. Enrollment is required for select Amex benefits.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048112\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Hilton Honors American Express Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/e671653b-c490-4729-9c84-06cd764bdbe0.png\" width=\"150\" alt=\"Hilton Honors American Express Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Hilton Honors American Express Card' data-ccid=\"4048112\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048112\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-credit-card\/26129-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express Card within your first 6 months of Card Membership. Offer ends 7\/29\/26.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Hilton Honors American Express Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express Card within your first 6 months of Card Membership. Offer ends 7\/29\/26.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Hilton Honors American Express Card is a rewarding option if you only spend a few nights with Hilton each year, with no annual fee. It offers 7X Hilton Honors Bonus Points on purchases at hotels and resorts within the Hilton portfolio. Cardholders also earn 5X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3X points on all other eligible purchases. A major perk is the complimentary Hilton Honors\u2122 Silver status, which provides a 20% bonus on all Base Points earned during stays, accelerating the journey to free nights. Enrollment required for select American Express benefits.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express Card within your first 6 months of Card Membership. Offer ends 7\/29\/26.<\/li><li>No Annual Fee.<\/li><li>Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.<\/li><li>Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations.<\/li><li>Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.<\/li><li>Points don't expire while your Hilton Honors American Express Card is active and in good standing.<\/li><li>No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.<\/li><li>Whenever you travel more than 100 miles from home, Global Assist&#xAE; Hotline is available for 24\/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.<\/li><li>Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n         <li>Earn 7X Points per dollar on eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands<\/li>\r\n \t<li>Earn 5X Points per dollar on eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations<\/li>\r\n         <li>Earn 3X Points for all other eligible purchases on your Card.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/HiltonAmex\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-225dd03297#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p><strong>Other key features:\u00a0<\/strong>As mentioned above, cardmembers get complimentary Hilton Honors\u2122 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.<\/p>\n<p>Hilton Amex cardmembers who make $20,000 or more in eligible purchases during a calendar year will move up to <a target=\"_blank\" href=\"\/hotels\/hilton-honors\/hilton-gold-status\/\" rel=\"noopener\">Hilton Honors\u2122 Gold status<\/a>, qualifying for space-available room upgrades, milestone rewards, free breakfast (or <a target=\"_blank\" href=\"\/hotels\/hilton-honors\/hilton-food-beverage-credit\/\" rel=\"noopener\">food and beverage credits<\/a>), and 80% bonus points on paid stays.<\/p>\n<p>If you don't have enough points for an upcoming redemption, Hilton's <a target=\"_blank\" href=\"https:\/\/hiltonhonors3.hilton.com\/rs\/points-money\/\" rel=\"noopener\">Points and Money<\/a> 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 (<a data-ccid=\"4048112\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-credit-card\/26129-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<p>Cardmembers also earn Hilton points from their purchases:<\/p>\n<p><ul>\r\n         <li>Earn 7X Points per dollar on eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands<\/li>\r\n \t<li>Earn 5X Points per dollar on eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations<\/li>\r\n         <li>Earn 3X Points for all other eligible purchases on your Card.<\/li>\r\n<\/ul><\/p>\n<p><strong>Compare with:<\/strong> <a data-ccid=\"4048089\" href=\"https:\/\/awardwallet.com\/credit-cards\/hilton-honors\/hilton-surpass\/\">Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card<\/a>, which has a $0 introductory annual fee, then $150 annual fee(<a data-ccid=\"4048089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-surpass-credit-card\/26129-10-0#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/hilton-honors\/hilton-amex\/\" rel=\"noopener\">Hilton Amex Card Full Review<\/a><\/strong><\/p>\n<h3><span id=\"IHG_One_Rewards_Traveler_Credit_Card\">IHG One Rewards Traveler Credit Card<\/span><\/h3>\n<p>The <a data-ccid=\"4048176\" href=\"https:\/\/awardwallet.com\/credit-cards\/ihg-one-rewards\/ihg-traveler-card\/\">IHG One Rewards Traveler Card<\/a> comes with a consistently strong welcome bonus for a no-annual-fee hotel card.<\/p>\n<p><strong>Best feature:\u00a0<\/strong>You'll get a <a target=\"_blank\" href=\"\/hotels\/ihg-one-rewards\/ihg-4th-night-free\/\" rel=\"noopener\">fourth night free on all points stays of four nights or longer<\/a>. 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 <a target=\"_blank\" href=\"\/hotels\/ihg-one-rewards\/\" rel=\"noopener\">IHG One Rewards<\/a>.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048176\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">IHG One Rewards Traveler Credit Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/CardArt-IHGRewardsClubTravelerCreditCard.png\" width=\"150\" alt=\"IHG One Rewards Traveler Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='IHG One Rewards Traveler Credit Card' data-ccid=\"4048176\" href=\"\/blog\/link\/IHGRewardsClubTravelerCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a> <\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048176\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005139&type=3&u1=e1f2f89981615a17a0a3e708a4c411ef&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Limited-Time Offer<\/strong> \r\nEarn up to 125,000 bonus points \u2013  90,000 bonus points after spending $2,000 in the first 3 months from account opening, plus 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">IHG One Rewards Traveler Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Limited-Time Offer<\/strong> \r\nEarn up to 125,000 bonus points \u2013  90,000 bonus points after spending $2,000 in the first 3 months from account opening, plus 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The IHG One Rewards Traveler Card features a solid welcome bonus of up to 125,000 bonus points \u2013  90,000 bonus points after spending $2,000 in the first 3 months from account opening, plus 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening. This card comes with no foreign transaction fees, a fourth night free on award bookings, and no annual fee.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Limited Time Offer! Earn up to 125,000 bonus points. Earn 90,000 Bonus Points after spending $2,000 in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $4,000 in the first 6 months from account opening.<\/li><li>No Annual Fee<\/li><li>Earn up to 17 total points per $1 spent when you stay at IHG Hotels & Resorts<\/li><li>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<\/li><li>No Foreign Transaction Fees<\/li><li>Redeem 3 Nights, Get the 4th Night Free<\/li><li>IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental&#xAE;, Crowne Plaza&#xAE;, Kimpton&#xAE;, EVEN&#xAE; Hotels, Hotel Indigo&#xAE; & Holiday Inn&#xAE;<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn up to 17X points total per $1 spent when you stay at an IHG hotel<\/li>\r\n<li>3X points per $1 spent on dining, utilities, select streaming services, and at gas stations<\/li>\r\n<li>2X points per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n<br>\r\nThe earning for spending at IHG hotels breaks down as follows:\r\n<ul>\r\n<li>Earn 5X points for being a IHG One Rewards Traveler Credit Cardmember<\/li>\r\n<li>Earn up to 2X points from IHG<sup>\u00ae<\/sup> with Silver Elite Status, a benefit of this Card<\/li>\r\n<li>Earn up to 10X points from IHG<sup>\u00ae<\/sup> for being an IHG<sup>\u00ae<\/sup> Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG<sup>\u00ae<\/sup> loyalty program)<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/IHGTraveler\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-225dd03297#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p><strong>Other key features: <\/strong>Cardholders receive complimentary <a target=\"_blank\" href=\"\/hotels\/ihg-one-rewards\/#How_to_Achieve_IHG_Elite_Status\" rel=\"noopener\">IHG Silver status<\/a>. 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.<\/p>\n<p>Cardholders also receive baggage delay insurance, lost luggage reimbursement, purchase protection, and trip cancellation\/trip interruption insurance. You'll also have access to <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/beginners-guide-to-chase-offers\/\" rel=\"noopener\">Chase Offers<\/a>.<\/p>\n<p>As with all IHG members, you can use\u00a0<a target=\"_blank\" href=\"\/hotels\/ihg-one-rewards\/#IHG_Points_and_Cash_Bookings\" rel=\"noopener\">IHG points and cash bookings<\/a> on your next stay. And you'll earn IHG points on all purchases according to this structure:<\/p>\n<p><ul>\r\n<li>Earn up to 17X points total per $1 spent when you stay at an IHG hotel<\/li>\r\n<li>3X points per $1 spent on dining, utilities, select streaming services, and at gas stations<\/li>\r\n<li>2X points per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n<br>\r\nThe earning for spending at IHG hotels breaks down as follows:\r\n<ul>\r\n<li>Earn 5X points for being a IHG One Rewards Traveler Credit Cardmember<\/li>\r\n<li>Earn up to 2X points from IHG<sup>\u00ae<\/sup> with Silver Elite Status, a benefit of this Card<\/li>\r\n<li>Earn up to 10X points from IHG<sup>\u00ae<\/sup> for being an IHG<sup>\u00ae<\/sup> Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG<sup>\u00ae<\/sup> loyalty program)<\/li>\r\n<\/ul><\/p>\n<p><strong>Compare with:<\/strong> <a data-ccid=\"4048106\" href=\"https:\/\/awardwallet.com\/credit-cards\/ihg-one-rewards\/ihg-premier-card\/\">IHG One Rewards Premier Credit Card<\/a>, which has a $99 annual fee.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/ihg-one-rewards\/ihg-traveler-card\/\" rel=\"noopener\">IHG One Rewards Traveler Card Full Review<\/a><\/strong><\/p>\n<h3><span id=\"Marriott_Bonvoy_Bold_Credit_Card\">Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card<\/span><\/h3>\n<p><a target=\"_blank\" href=\"\/hotels\/marriott-bonvoy\/\" rel=\"noopener\">Marriott Bonvoy<\/a><sup>\u00ae<\/sup> has a full suite of co-branded hotel credit cards, including one with no annual fee: the <a data-ccid=\"4048164\" href=\"https:\/\/awardwallet.com\/credit-cards\/marriott-bonvoy\/chase-bonvoy-bold\/\">Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"4048164\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005145&type=3&subid=0=a59a355e6af7868136121cf8d1daca46&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<p><strong>Best feature:\u00a0<\/strong>Bonvoy Bold cardholders receive complimentary <a target=\"_blank\" href=\"\/hotels\/marriott-bonvoy\/silver-elite-benefits\/\" rel=\"noopener\">Marriott Bonvoy<sup>\u00ae<\/sup> Silver Elite Status<\/a>\u00a0and 5 elite night credits automatically each year. Silver Elite status provides 10% bonus points on paid stays and priority late checkout, subject to availability.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048164\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/edad2b58-91a8-4274-8df4-08ba33116784.png\" alt=\"Chase Sapphire Preferred\u00ae Card\" width=\"150\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Marriott Bonvoy Bold\u00ae Credit Card' data-ccid=\"4048164\" href=\"\/blog\/link\/ChaseMarriottBonvoyBoldCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048164\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005145&type=3&subid=0=a59a355e6af7868136121cf8d1daca46&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 30,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card!<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 30,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card!<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-hl\"><ul><li>Earn 30,000 Bonus Points after qualifying purchases.<\/li><li>Pay no annual fee with the Marriott Bonvoy Bold<sup>\u00ae<\/sup> Credit Card from Chase<sup>\u00ae<\/sup>!<\/li><li>Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy<sup>\u00ae<\/sup> with the Marriott Bonvoy Bold<sup>\u00ae<\/sup> Card.<\/li><li>Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.<\/li><li>1X point for every $1 spent on all other purchases.<\/li><li>Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.<\/li><li>Pay Yourself Back<sup>\u00ae<\/sup> - Redeem Marriott Bonvoy<sup>\u00ae<\/sup> points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year.<\/li><li>Member FDIC<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>3X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy<sup>\u00ae<\/sup><\/li>\r\n<li>2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services<\/li>\r\n<li>1X point on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BonvoyBold\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-225dd03297#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p><strong>Other key features:\u00a0<\/strong>Points won't expire as long as you have a Marriott credit card. Plus, you'll have several protections like lost luggage reimbursement, baggage delay insurance, trip delay reimbursement, and purchase protection.<\/p>\n<p>You'll also earn Marriott points on purchases at these rates:<\/p>\n<p><ul>\r\n<li>3X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy<sup>\u00ae<\/sup><\/li>\r\n<li>2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services<\/li>\r\n<li>1X point on all other purchases<\/li>\r\n<\/ul><\/p>\n<p>Keep in mind, <a target=\"_blank\" href=\"\/credit-cards\/marriott-bonvoy\/marriott-card-application-rules\/\" rel=\"noopener\">Marriott credit cards have complicated restrictions about who qualifies for a welcome bonus<\/a>. Make sure you understand this information before applying.<\/p>\n<p><strong>Compare with: <\/strong><a data-ccid=\"4048146\" href=\"https:\/\/awardwallet.com\/credit-cards\/marriott-bonvoy\/marriott-bonvoy-boundless\/\">Marriott Bonvoy Boundless<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"4048146\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005146&type=3&subid=0=6521b1c03856c3ff14faebe65e956170&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), which has a $95 annual fee.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/marriott-bonvoy\/chase-bonvoy-bold\/\" rel=\"noopener\">Marriott Bonvoy Bold Full Review<\/a><\/strong><\/p>\n<h3><span id=\"Wyndham_Rewards_Earner_Card\">Wyndham Rewards Earner<sup>\u00ae<\/sup> Card<\/span><\/h3>\n<p>If you're a fan of <a target=\"_blank\" href=\"\/hotels\/wyndham-rewards\/\" rel=\"noopener\">Wyndham Rewards<\/a>, you'll enjoy the <a data-ccid=\"69\" href=\"https:\/\/awardwallet.com\/credit-cards\/wyndham-rewards\/wyndham-earner-card\/\">Wyndham Rewards Earner<sup>\u00ae<\/sup> Card<\/a> and the perks it can add to your next stay.<\/p>\n<p><strong>Best feature: <\/strong>Cardholders get a 10% discount on free night redemptions. Note that Wyndham says you <a target=\"_blank\" href=\"https:\/\/www.wyndhamhotels.com\/en-us\/wyndham-rewards\/earner-card-perks#terms2\" rel=\"noopener\">need to have enough points to book a hotel without the discount<\/a>, and this perk only applies to standard rooms. Even with those caveats, paying 10% fewer points on every stay can lead to big savings.<\/p>\n<p><div class=\"qs-card\" data-id=\"69\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Wyndham Rewards Earner<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/100\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/11\/CardArt-WyndhamRewardsEarnerCard.png\" width=\"150\" alt=\"Wyndham Rewards Earner\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"69\" href=\"\/blog\/link\/WyndhamRewardsVisaCardNoAnnualFee\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 30,000 Bonus Points after spending $1,000 on purchases in the first 90 days.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Wyndham Rewards Earner<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 30,000 Bonus Points after spending $1,000 on purchases in the first 90 days.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-er\"><ul>\r\n<li>5X points on Hotels by Wyndham and gas purchases<\/li>\r\n<li>2X points on eligible dining and grocery purchases (excluding Target<sup>\u00ae<\/sup> and Walmart<sup>\u00ae<\/sup>)\r\n<\/li>\r\n<li>1 point per dollar on all other purchases (excluding Wyndham timeshare down payments)<\/li>\r\n<\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/WyndhamNoFeeVisa\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-225dd03297#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p><strong>Other key features:\u00a0<\/strong>With the Wyndham Earner Card, you'll get access to member discounts, complimentary Gold status, and 7,500 bonus points on your account anniversary each year that you spend $15,000 or more on purchases with the card. At the Gold 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).<\/p>\n<p>You'll also earn Wyndham points on all purchases:<\/p>\n<ul>\r\n<li>5X points on Hotels by Wyndham and gas purchases<\/li>\r\n<li>2X points on eligible dining and grocery purchases (excluding Target<sup>\u00ae<\/sup> and Walmart<sup>\u00ae<\/sup>)\r\n<\/li>\r\n<li>1 point per dollar on all other purchases (excluding Wyndham timeshare down payments)<\/li>\r\n\n<p><strong>Compare with:\u00a0<\/strong><a data-ccid=\"60\" href=\"https:\/\/awardwallet.com\/credit-cards\/wyndham-rewards\/earner-plus-credit-card\/\">Wyndham Rewards Earner<sup>\u00ae<\/sup> Plus Card<\/a>, which has a $75 annual fee.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/wyndham-rewards\/wyndham-earner-card\/\" rel=\"noopener\">Wyndham Earner Card Full Review<\/a><\/strong><\/p>\n<h2><span id=\"Flexible_Rewards_Cards_With_No_Annual_Fee\">Flexible Rewards Cards With No Annual Fee<\/span><\/h2>\n<p>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.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/travel\/types-of-rewards-points\/\" rel=\"noopener\">An Introduction to the Types of Reward Points<\/a><\/strong><\/p>\n<h3><span id=\"Chase_Freedom_Unlimited\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/span><\/h3>\n<p>The <a data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" rel=\"noopener nofollow sponsored\">Freedom Unlimited<\/a> (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=01a9d591ae26a04be7c168332839adaf4&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is the best everyday spending card within the Ultimate Rewards family of cards, earning 5% on travel purchased through Chase Travel\u2120, 3% on dining at restaurants and drugstores, and 1.5% on other eligible purchases.<\/p>\n<p><div class=\"qs-card\" data-id=\"3006090\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/aef345f2-25d7-4d44-b7c7-e62661f0291c.png\" width=\"150\" alt=\"Chase Freedom Unlimited\u00ae\"\/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Freedom Unlimited\u00ae' data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=01a9d591ae26a04be7c168332839adaf4&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The everyday workhorse of the Ultimate Rewards family of cards earns 1.5% cash back on every purchase, every day of the week. While the Freedom Unlimited earns cash back on its own, the points earned become even more valuable when you hold an Ultimate Rewards card with the ability to <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\">transfer points to partners<\/a>. <\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/li><li>Enjoy 5% cash back on travel purchased through Chase Travel&#x2120;, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.<\/li><li>No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!<\/li><li>Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.<\/li><li>No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited&#xAE; card<\/li><li>Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 5% on purchases through Chase Travel\u2120<\/li>\r\n<li>Earn 3% on dining at restaurants <\/li>\r\n<li>Earn 3% on drugstore purchases <\/li>\r\n<li>Earn 1.5% on all purchases <\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/ChaseFreedomUnl\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-225dd03297#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The card is marketed as a cash-back card, and points are worth 1\u00a2 each when redeemed as cash back or inside the <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-travel-portal\/\" rel=\"noopener\">Chase Travel Portal<\/a>. However, if you also hold a premium Ultimate Rewards card like the <a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=001440a2af2c7351da0daa8df1e0a15b9&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), you can transfer points to four hotel partners, including <a target=\"_blank\" href=\"\/news\/ihg-one-rewards\/ihg-one-rewards-program-overhaul\/\" rel=\"noopener\">IHG One Rewards<\/a>, <a target=\"_blank\" href=\"\/hotels\/marriott-bonvoy\/\" rel=\"noopener\">Marriott Bonvoy<\/a>, and <a target=\"_blank\" href=\"\/hotels\/world-of-hyatt\/\" rel=\"noopener\">World of Hyatt<\/a> \u2014 all at a 1:1 ratio.<\/p>\n<p><strong>Compare with:<\/strong> <a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a>, which has a $95 annual fee.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\" rel=\"noopener\">Chase Freedom Unlimited Full Review<\/a><\/strong><\/p>\n<h3><span id=\"Capital_One_VentureOne_Rewards_Credit_Card\">Capital One VentureOne Rewards Credit Card<\/span><\/h3>\n<p>The <a data-ccid=\"3006150\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-one-card\/\">Capital One VentureOne<\/a> has a welcome offer of 20,000 bonus miles 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, vacation rentals, and rental cars booked through Capital One Travel<\/p>\n<p><div class=\"qs-card\" data-id=\"3006150\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One VentureOne Rewards Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/650d711d-182b-4180-8b1d-4c31796da3cd.png\" width=\"150\" alt=\"Capital One VentureOne Rewards Credit Card\" class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"3006150\" class=\"btn-use qs-how-apply\" title='Capital One VentureOne Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneVentureOneRewardsCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 20,000 Miles once you spend $500 on purchases within 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One VentureOne Rewards Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 20,000 Miles once you spend $500 on purchases within 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The only no-annual-fee personal card to earn transferable Capital One miles, the Capital One VentureOne earns a solid 1.25X miles per dollar on every purchase.<\/div><div class=\"qs-tab-hl\"><ul><li>Earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening<\/li>\r\n \t<li>1.25 Miles on every purchase<\/li>\r\n\t<li>0% intro APR on purchases for 15 months; 18.49% - 28.49% variable APR after that<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$0 annual fee<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5 Miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel<\/li>\r\n<li>5 Miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>1.25 Miles per dollar on every purchase, every day.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/VentureOne\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-225dd03297#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>This card maintains a unique place in the points and miles space. Most flexible-rewards cards, including the <a data-ccid=\"3006090\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\">Freedom Unlimited<\/a>, 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\u00a2 per mile.<\/p>\n<p>Capital One miles can also be transferred to four hotel partners, and you don't need to hold a premium card with an annual fee to transfer to any partners. <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-transfer-partners\/#Capital_One_Hotel_Partners\" rel=\"noopener\">Capital One hotel partners<\/a> include <a target=\"_blank\" href=\"\/hotels\/accor-live-limitless\/\" rel=\"noopener\">Accor Live Limitless<\/a> (2:1 transfer ratio), <a target=\"_blank\" href=\"\/hotels\/choice-privileges\/\" rel=\"noopener\">Choice Privileges<\/a> (1:1), <a target=\"_blank\" href=\"\/hotels\/wyndham-rewards\/\" rel=\"noopener\">Wyndham Rewards<\/a> (1:1), and <a target=\"_blank\" href=\"\/hotels\/i-prefer-hotel-rewards\/\" rel=\"noopener\">I Prefer Hotel Rewards<\/a> (1:2). You also can make immediate transfers at a 1:1 ratio to <a target=\"_blank\" href=\"\/news\/capital-one-rewards\/transfer-to-virgin-red\/\" rel=\"noopener\">Virgin Red<\/a>, the loyalty program for all Virgin brands \u2014 including Virgin Hotels.<\/p>\n<p>The <a data-ccid=\"3006150\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-one-card\/\">Capital One VentureOne<\/a> has the added flexibility of redeeming miles for a statement credit to cover any travel purchase. However, the <a data-ccid=\"3006090\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\">Freedom Unlimited<\/a> has a higher everyday earning rate if you don't mind redeeming your rewards through the Chase Travel Portal.<\/p>\n<p><strong>Compare with:<\/strong> <a data-ccid=\"3006151\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-card\/\">Capital One Venture Rewards Credit Card<\/a>, which has a $95 annual fee.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/venture-one-card\/\" rel=\"noopener\">Capital One VentureOne Full Review<\/a><\/strong><\/p>\n<h3><span id=\"Citi_Strata_Card\">Citi Strata\u2120 Card<\/span><\/h3>\n<p>The <a data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" rel=\"noopener nofollow sponsored\">Citi Strata Card<\/a> (<a data-ccid=\"241\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1960645.4297&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) has the best earning potential on day-to-day purchases among all the cards on this list:<\/p>\n<ul>\r\n  <li>5X \u2013 Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel\u2120 via cititravel.com<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores\/Barber Shops\/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Supermarkets<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent on Select Transit purchases<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Gas and EV Charging Stations<\/li>\r\n  <li>2X \u2013 Earn 2 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Restaurants<\/li>\r\n  <li>1X \u2013 Earn 1 ThankYou<sup>\u00ae<\/sup> Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul>\n<p><div class=\"qs-card\" data-id=\"241\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Strata\u2120 Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/CardArt-CitiStrataCard.png\" width=\"150\" alt=\"Citi Strata\u2120 Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Strata\u2120 Card' data-ccid=\"241\" href=\"\/blog\/link\/CitiStrataCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"241\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1960645.4297&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Strata\u2120 Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Strata\u2120 Card is one of the most rewarding no-annual-fee cards on the market, thanks to its impressive combination of flexible bonus categories and solid everyday earning. Cardholders can earn elevated points in popular categories like gas stations, supermarkets, EV charging, streaming, and even fitness clubs\u2014making it easy to rack up rewards on routine spending without paying an annual fee.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/li>\r\n<li>0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).<\/li>\r\n<li>Earn 3 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores\/Barber Shops\/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.<\/li>\r\n<li>Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel<sup>\u00ae<\/sup> via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.<\/li>\r\n<li>Earn 2 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent at Restaurants; earn 1 ThankYou<sup>\u00ae<\/sup> Point for each $1 spent on All Other Purchases.<\/li>\r\n<li>No Annual Fee<\/li>\r\n<\/ul> <\/div><div class=\"qs-tab-er\"><ul>\r\n  <li>5X \u2013 Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel\u2120 via cititravel.com<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores\/Barber Shops\/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Supermarkets<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent on Select Transit purchases<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Gas and EV Charging Stations<\/li>\r\n  <li>2X \u2013 Earn 2 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Restaurants<\/li>\r\n  <li>1X \u2013 Earn 1 ThankYou<sup>\u00ae<\/sup> Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiStrata\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-225dd03297#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The ability to self-select a bonus earning category is fantastic, an an option we hope more credit card issuers will adopt in the future. Plus, it earns <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/\" rel=\"noopener\">Citi ThankYou<sup>\u00ae<\/sup> Points<\/a>, which allows you to access five hotel partners, like Preferred Hotels and Resorts, <a target=\"_blank\" href=\"\/hotels\/leading-hotels-of-the-world\/\" rel=\"noopener\">Leaders Club<\/a>, and Choice Privileges. Unfortunately, you'll transfer points at a lower ratio than cards like the <a data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" rel=\"noopener nofollow sponsored\">Citi Strata Elite\u2120 Card<\/a> (<a data-ccid=\"242\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4347&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) or the <a data-ccid=\"520083\" href=\"\/blog\/link\/CR-CitiPremierCard\" rel=\"noopener nofollow sponsored\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). If you don't plan on making too many transfers throughout the year, this isn't much of an issue.<\/p>\n<p><strong>Compare with: <\/strong><a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a>, which has a $95 annual fee.<\/p>\n<p><strong>Related: <a href=\"\/credit-cards\/citi-thankyou-rewards\/citi-strata-card\/\">Citi Strata Card Full Review<\/a><\/strong><\/p>\n<h3><span id=\"Wells_Fargo_Autograph_Card\">Wells Fargo Autograph<sup>\u00ae<\/sup> Card<\/span><\/h3>\n<p>The <a data-ccid=\"5048294\" href=\"\/blog\/link\/CR-WellsFargoAutographCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Autograph<sup>\u00ae<\/sup> Card<\/a>(<a data-ccid=\"5048294\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/autograph-visa\/terms\/?product_code=CC&subproduct_code=AU&FPID=012988I6P10000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is a formidable point-earning card \u2014 especially when it comes to travel-related purchases.<\/p>\n<p><div class=\"qs-card\" data-id=\"5048294\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Wells Fargo Autograph<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/merchant.linksynergy.com\/fs\/banners\/40602\/40602_58.png\" width=\"150\" alt=\"Wells Fargo Autograph\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Wells Fargo Autograph\u00ae Card' data-ccid=\"5048294\" href=\"\/blog\/link\/CR-WellsFargoAutographCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"5048294\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/autograph-visa\/terms\/?product_code=CC&subproduct_code=AU&FPID=012988I6P10000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Wells Fargo Autograph<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Wells Fargo Autograph<sup>\u00ae<\/sup> Card rewards cardholders with diverse spending requirements, offering unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. It enhances travel experiences with benefits like an auto rental collision damage waiver, emergency assistance, and Roadside Dispatch<sup>\u00ae<\/sup>, and no annual fee.<\/div><div class=\"qs-tab-hl\"><ul><li>Apply Now to take advantage of this offer and learn more about product features, terms and conditions.<\/li><li>Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.<\/li><li>Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.<\/li><li>$0 annual fee.<\/li><li>0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49%, or 28.49% Variable APR thereafter.<\/li><li>Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.<\/li><li>Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.<\/li><li>Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24\/7 Visa Signature<sup>\u00ae<\/sup> Concierge.<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>3x on travel \u2013 including airfare, hotels, car rentals, timeshares, cruises, and more<\/li>\r\n<li>3x on transit \u2013 including parking, tolls, subways, ride shares, railways, ferries, and more<\/li>\r\n<li>3x on dining \u2013 including dining in, take-out, catering,\r\ndelivery and more<\/li>\r\n<li>3x at gas stations \u2013 including gas stations and electric vehicle charging stations<\/li>\r\n<li>3x on phone plans \u2013 including landline providers and cell phones<\/li>\r\n<li>3x on streaming services<\/li>\r\n<li>1x on other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/WellsAutograph\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-225dd03297#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>One of the most valuable aspects of this no-annual-fee card is the sheer number of categories that earn 3x Wells Fargo Rewards points per dollar spent. Spelled out, that's 3x on travel (including airfare, hotels, and more), transit (parking, subways, tolls, and more), restaurants, streaming services, gas stations, and phone plans \u2014 with 1x on everything else. Emphasis on hotels.<\/p>\n<p>And with the recent addition of transfer partners, you can <a target=\"_blank\" href=\"\/credit-cards\/wells-fargo-rewards\/transfer-partners\/\" rel=\"noopener\">convert your Wells Fargo Rewards points to 10 partner program currencies<\/a>.<\/p>\n<p><strong>Compare with:<\/strong> <a data-ccid=\"5048357\" href=\"https:\/\/awardwallet.com\/credit-cards\/wells-fargo-rewards\/autograph-journey\/\">Wells Fargo Autograph Journey\u2120 Card<\/a>(<a data-ccid=\"5048357\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/autograph-journey-visa\/terms\/?FPID=0127E1I0P10000&product_code=CC&subproduct_code=MT&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), which has a $95 annual fee.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/wells-fargo-rewards\/wells-fargo-autograph\/\" rel=\"noopener\">Wells Fargo Autograph Full Review<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>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 an annual fee that covers benefits you're unlikely to 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.<\/p>\n<p>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 <a target=\"_blank\" href=\"\/credit-cards\/hotels\/best-hotel-credit-card\/\" rel=\"noopener\">hotel credit card<\/a> offering benefits like <a target=\"_blank\" href=\"\/credit-cards\/hotels\/free-night-certificates\/\" rel=\"noopener\">annual free night certificates<\/a>, elite status, and a higher points-earning capacity.<\/p>\n<p>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.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-citi\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/e671653b-c490-4729-9c84-06cd764bdbe0.png\" width=\"150\" alt=\"Hilton Honors American Express Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Hilton Honors American Express Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express Card within your first 6 months of Card Membership. Offer ends 7\/29\/26.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Hilton Honors American Express Card' data-ccid=\"4048112\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4048112\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-credit-card\/26129-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n         <li>Earn 7X Points per dollar on eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands<\/li>\r\n \t<li>Earn 5X Points per dollar on eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations<\/li>\r\n         <li>Earn 3X Points for all other eligible purchases on your Card.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/CardArt-IHGRewardsClubTravelerCreditCard.png\" width=\"150\" alt=\"IHG One Rewards Traveler Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">IHG One Rewards Traveler Credit Card<\/div><div class=\"compare-offer\"><strong>Limited-Time Offer<\/strong> \r\nEarn up to 125,000 bonus points \u2013  90,000 bonus points after spending $2,000 in the first 3 months from account opening, plus 35,000 bonus points after spending a total of $4,000 in the first 6 months from account opening<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='IHG One Rewards Traveler Credit Card' data-ccid=\"4048176\" data-exit=\"ccw\" href=\"\/blog\/link\/IHGRewardsClubTravelerCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a> <\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4048176\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005139&type=3&u1=e1f2f89981615a17a0a3e708a4c411ef&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Good\/Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn up to 17X points total per $1 spent when you stay at an IHG hotel<\/li>\r\n<li>3X points per $1 spent on dining, utilities, select streaming services, and at gas stations<\/li>\r\n<li>2X points per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n<br>\r\nThe earning for spending at IHG hotels breaks down as follows:\r\n<ul>\r\n<li>Earn 5X points for being a IHG One Rewards Traveler Credit Cardmember<\/li>\r\n<li>Earn up to 2X points from IHG<sup>\u00ae<\/sup> with Silver Elite Status, a benefit of this Card<\/li>\r\n<li>Earn up to 10X points from IHG<sup>\u00ae<\/sup> for being an IHG<sup>\u00ae<\/sup> Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG<sup>\u00ae<\/sup> loyalty program)<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/CardArt-CitiStrataCard.png\" width=\"150\" alt=\"Citi Strata\u2120 Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Strata\u2120 Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Strata\u2120 Card' data-ccid=\"241\" data-exit=\"ccw\" href=\"\/blog\/link\/CitiStrataCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"241\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1960645.4297&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--0\"><strong>Credit Score<\/strong><p>Excellent, Good Credit<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n  <li>5X \u2013 Earn 5 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel\u2120 via cititravel.com<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores\/Barber Shops\/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Supermarkets<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent on Select Transit purchases<\/li>\r\n  <li>3X \u2013 Earn 3 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Gas and EV Charging Stations<\/li>\r\n  <li>2X \u2013 Earn 2 ThankYou<sup>\u00ae<\/sup> Points per $1 spent at Restaurants<\/li>\r\n  <li>1X \u2013 Earn 1 ThankYou<sup>\u00ae<\/sup> Point per $1 spent on All Other Purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Hotel credit cards can offer many perks: automatic elite status, free night certificates, elevated earning rates at hotels in that program, and more. 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? Let&#8217;s find out.<\/p>\n","protected":false},"author":80,"featured_media":235408,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12520,12232,12669],"coauthors":[36432,36518],"class_list":["post-49400","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-benefits","tag-card-offers","tag-hotels"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/49400","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=49400"}],"version-history":[{"count":103,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/49400\/revisions"}],"predecessor-version":[{"id":253080,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/49400\/revisions\/253080"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/235408"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=49400"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=49400"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=49400"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=49400"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}