Best no-annual-fee hotel card
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Annual Fee
$550
Rewards Rate
3x-14x
Intro Offer
150,000
Credit Score
690-850 (Good – Excellent)
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Product Details
- Earn 180,000 bonus points after $6,000 in purchases within the first 6 months.
- 14 points per dollar on eligible Hilton portfolio purchases; 7 points per dollar on eligible flights, car rentals, and U.S. restaurants; 3 points on other eligible purchases.
- $400 in annual Hilton resort statement credits ($200 semi-annually).
- Complimentary Diamond status with Hilton.
- Annual free night reward, terms apply.
- Up to $200 in annual flight credits ($50 per quarter).
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Our Take
Pros:
- Complimentary CLEAR® Plus membership
- Over $600 in annual statement credits
- Instant Hilton Diamond elite status
- Free standard night award annually
Cons:- High annual fee without first-year waiver
- High regular APR
- Incremental credit distribution
- Lower point value compared to other programs