Get a free hotel night each year just by holding a credit card with as little as an $89 annual fee. Here are the credit cards that offer this valuable perk.

One big reason to keep these cards year after year is the anniversary free night certificate they offer, valid at any IHG hotel that costs up to 40,000 IHG points per night.

My husband’s birthday is in October, our wedding anniversary is in November and my birthday is in December. So, three months in a row we’ve been getting some sort of free food or drink.

The best hotel credit cards of 2025 come with benefits such as free nights and elite status with major hotels chains like Hilton, Marriott, and Hyatt. Business Insider Subscribe Newsletters ...