Credit cards with an annual free night award
5 cards in the catalogue list an annual free night award among their benefits, none of them without an annual fee. Those with a stated limit come first, largest first.
Read this first
This list comes from each issuer's benefit summary, read on the month shown beside each card. Summaries leave out the exclusions, the claim limits per year and the conditions — often that the whole trip or purchase has to go on the card — so read the card's full guide to benefits before you rely on one. 29 of the 69 cards in the catalogue have no benefits recorded here yet and are left out, so a card missing from this list may still have it.
| Card | Annual fee | What the summary says | Read |
|---|---|---|---|
|
Chase |
$95 | Free night award each anniversary, up to a points cap |
2026-09 |
|
Chase |
$95 | A free night at a Category 1–4 Hyatt every card anniversary |
2026-09 |
|
Chase |
$99 | A free night each anniversary at IHG hotels up to 40,000 points |
2026-09 |
|
American Express |
$550 | A free night reward each anniversary |
2026-09 |
|
American Express |
$650 | A free night award each anniversary, worth up to 85,000 points |
2026-09 |
Rewards rates are a separate question — each card's page says what it earns and whether its fee pays for itself. How the data here is kept, and how fresh it is.
Other benefits
- Credit cards with primary rental car insurance
- Credit cards with secondary rental car insurance
- Credit cards with cell phone protection
- Credit cards with purchase protection
- Credit cards with extended warranty protection
- Credit cards with trip delay insurance
- Credit cards with baggage insurance
- Credit cards with a free checked bag
Which of your cards covers this?
Cardful's cheat sheet lists the benefits across the cards you carry, side by side.