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- A travel card, which is what you asked for
- 7% on travel beats its 3% base rate
- No annual fee
This card fits travelers who stay at Hilton brands a few times a year and want no annual fee. It earns 7X points at Hilton properties and 5X at U.S. restaurants, U.S. supermarkets and U.S. gas stations. Hilton Honors Silver status is included. Hilton points run lower in value than flexible currencies, so the card rewards Hilton stays more than general spending.
- A travel card, which is what you asked for
- 5% on travel beats its 1% base rate
- No annual fee
The Earner fits road trippers and value travelers who sleep at Days Inn, La Quinta, Super 8 and other Hotels by Wyndham. It earns 5X points at Wyndham hotels and 3X on dining, grocery stores, gas and EV charging. Gold member level comes automatically, and cardmembers redeem 10% fewer points for go free awards. There is no annual fee; the anniversary bonus of 7,500 points requires $15,000 in yearly spend.
- A travel card, which is what you asked for
- 9% on travel beats its 3% base rate
- Annual fee waived the first year
The starter card for United flyers. You get a free first checked bag, priority boarding, two United Club one-time passes a year and up to 60,000 bonus miles. The first year costs $0, then $150. The partner statement credits can outweigh the fee, but only if you actually use Instacart, rideshare and United's hotel portal.
The Boundless suits travelers who stay at Marriott brands several times a year. It earns 6X points per $1 at over 7,000 Bonvoy hotels, 3X on the first $6,000 in combined grocery, gas and dining purchases annually, and 2X elsewhere. The $95 fee is answered by an annual free night worth up to 35,000 points, which you can top up with points. 15 elite night credits each year put Silver Elite in hand and Gold within reach.
The Earner Plus rewards travelers who keep coming back to Wyndham brands. It earns 6X points at Hotels by Wyndham and 4X on travel, dining and grocery purchases. New cardmembers hold Diamond member level for the first year, then Platinum. The 15,000-point anniversary bonus on its own covers a typical go free award night, which answers the $95 fee for anyone who stays at Wyndham at least once a year.
For Marriott regulars who also spend on dining and groceries. Gold Elite status and 15 Elite Night Credits come with the card, and each paid, eligible stay adds 1,000 bonus points. There is no automatic Free Night Award: one unlocks only after $15,000 in eligible purchases in a calendar year, so the $250 fee demands real use.
For travelers who stay at Hilton brands often enough to use the credits. Diamond status, Hilton's highest published tier, comes with the card. Earning runs 14X at Hilton, 7X on eligible flights, select car rentals and U.S. restaurants. The $550 annual fee only makes sense if the resort credits, flight credits and the annual Free Night Reward get used.
For frequent Marriott guests who want automatic Platinum Elite treatment on every stay. Up to $300 in dining credits, issued monthly, and the annual Free Night Award can offset most of the $650 fee. Earning tops out at 6X at Marriott hotels. The current welcome offer is limited time and ends September 30, 2026.
The Traveler brings IHG's most useful redemption perk, the fourth reward night free, to a card with no annual fee. It earns 5X at IHG hotels, 3X on dining, utilities, select streaming services and gas stations, and 2X on everything else. Silver Elite status is automatic, Gold arrives after $20,000 in annual purchases, and $10,000 in yearly spend adds 10,000 bonus points. There is no anniversary free night at this tier.
The Bold is the keep-forever Marriott card. It earns 3X points per $1 at Bonvoy hotels, up to 14X in total with member and elite earnings, and 2X on a set of everyday categories including groceries, rideshare, select food delivery, select streaming and internet, cable and phone services. There is no annual fee and no foreign transaction fee. It has no anniversary free night, so heavier Marriott guests usually step up to the Boundless.
This card fits travelers who sleep at Hyatt properties a few nights a year. It earns 4 Bonus Points per $1 at Hyatt, up to 9 per $1 in total with World of Hyatt member earnings, and 2 per $1 on dining, direct airline tickets, transit and fitness memberships. The $95 annual fee is offset by a Category 1-4 free night every year. Earning drops to 1 point per $1 outside the bonus categories, so pair it with an everyday card.
Altitude Connect is for travelers who want real travel perks without an annual fee. You earn 5X on prepaid hotels and car rentals booked in the U.S. Bank Travel Center, 4X on travel, 4X at gas and EV charging stations on your first $1,000 each quarter, and 2X on dining, streaming and groceries. There are no foreign transaction fees. The caveat: the gas rate caps each quarter, and lounge access is limited to a small number of visits.
