13 cards offer this benefit

Credit cards with annual free night certificates

Marriott, Hilton, Hyatt, IHG — which cards drop a free hotel night onto your account every year, and what those certs are actually redeemable for.

Last verified May 18, 2026 · By PointsCraft editorial

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#1Marriott Bonvoy Brilliant

AF: $650

~$600/yr in this category

Anniversary free night: Marriott FNA 85k (~$600 cash value).

Apply for Marriott Bonvoy Brilliant Full Marriott Bonvoy Brilliant review →

#2Ritz-Carlton Credit Card (Chase) — legacy

AF: $450

~$600/yr in this category

Anniversary free night: Ritz-Carlton Anniversary Cert (85k cap) (~$600 cash value).

See card details Full Ritz-Carlton Credit Card (Chase) — legacy review →

#3Hilton Aspire

AF: $550

~$500/yr in this category

Anniversary free night: Aspire Weekend Night (~$500 cash value).

Apply for Hilton Aspire Full Hilton Aspire review →

#4Marriott Bonvoy Bevy

AF: $250

~$350/yr in this category

Anniversary Free Night Cert (50k cap)$350/yr

Apply for Marriott Bonvoy Bevy Full Marriott Bonvoy Bevy review →

#5Hilton Honors Business (Amex)

AF: $195

~$350/yr in this category

Anniversary free night: Hilton Honors Business Anniversary Night (~$350 cash value).

Apply for Hilton Honors Business (Amex)Full Hilton Honors Business (Amex) review →

#6Hilton Honors Surpass

AF: $150

~$300/yr in this category

Anniversary free night: Surpass Weekend Night (spend tier) (~$300 cash value).

Apply for Hilton Honors Surpass Full Hilton Honors Surpass review →

#7Marriott Bonvoy (Amex)

AF: $95

~$300/yr in this category

Anniversary free night: Marriott FNA 35k (~$300 cash value).

See card details Full Marriott Bonvoy (Amex) review →

#8Marriott Bonvoy Business

AF: $125

~$280/yr in this category

Anniversary Free Night Cert (35k cap)$280/yr

Apply for Marriott Bonvoy Business Full Marriott Bonvoy Business review →

#9Marriott Bonvoy Boundless

AF: $95

~$280/yr in this category

Anniversary Free Night Cert (35k cap)$280/yr

Apply for Marriott Bonvoy Boundless Full Marriott Bonvoy Boundless review →

#10Marriott Bonvoy Boundless

AF: $95

~$250/yr in this category

Anniversary free night: Boundless FNA 35k (~$250 cash value).

Apply for Marriott Bonvoy Boundless Full Marriott Bonvoy Boundless review →

#11World of Hyatt Credit Card

AF: $95

~$250/yr in this category

Anniversary free night: Cat 1–4 Free Night (~$250 cash value).

Featuredin Best credit card for a Disney World family trip →

Apply for World of Hyatt Credit Card Full World of Hyatt Credit Card review →

#12IHG One Rewards Premier Business (Chase)

AF: $99

~$250/yr in this category

Anniversary free night: IHG Anniversary Night (40k cap) (~$250 cash value).

Apply for IHG One Rewards Premier Business (Chase)Full IHG One Rewards Premier Business (Chase) review →

#13Chase IHG One Rewards Premier

AF: $99

~$200/yr in this category

Anniversary free night: IHG 40k Free Night (~$200 cash value).

Apply for Chase IHG One Rewards Premier Full Chase IHG One Rewards Premier review →

How this list is built

Cards ranked by the total annual face value of credits in this category — the dollar amount you'd save if you used every credit at face value. The PointsCraft iOS app uses the same catalog to show you exactly which of these credits you've already used and which are still on the table this cycle. See our methodology.

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