Credit Cards

8 Ways to Nab Free Hotel Stays

Traveling is expensive, and a big part of that cost is lodging. Loyalty and rewards points help you earn free hotel stays at the hotel of your choice!

Traveling often may seem like a dream that’s out of reach. After all, staying in a hotel is expensive. And between airline tickets and accommodations, you could easily pay several thousands of dollars for even a short trip overseas. It seems like it would take years to save for this kind of trip.

But, it is possible to do it for a very low price if you know how to use loyalty rewards programs. We talk about airline rewards elsewhere on our blog. But here, we’ll focus on specific ways to nab a free hotel stay on your next domestic or international trip.

1. Hotel Loyalty Programs

The most obvious way to earn free hotel stays is to join a hotel chain’s loyalty program. Every major hotel chain has one. If you prefer one over another or if you just find yourself booking most of your hotel stays with one chain, signing up for their loyalty program is a no-brainer.

With most loyalty programs, you’ll rack up points for each stay that you pay for. And then you can redeem those points for free nights at the hotel chain. These loyalty programs also give you additional perks. For instance, just joining the loyalty program could get you perks like free wi-fi or premium gym access. And as you rack up points, you move up through the loyalty program’s tiers, which give you access to even more perks and upgrades.

One great thing about these rewards programs is that you can often use them even when you’re traveling for business. When I travel for business, the expenses go on my company credit card. So I don’t get those credit card points. But if I book consistently with the same hotel chain using my loyalty program login, I do still get the hotel loyalty points. Unless your company’s policy says otherwise, this is a great way to store up points for later vacations and personal travel.

2. Hotel Rewards Cards

Although hotel loyalty programs are an excellent way to earn free hotel stays, the way you enroll makes a difference in how many points you earn. To get the most points, the best way to sign up is through a hotel rewards credit card. By applying for a co-branded hotel rewards card, you can rake in a gigantic haul of points just for becoming a member. Here are some of our favorites:

IHG® Rewards Premier Credit Card – Right now new cardholders can Earn 175,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening! And the card earns a free one-night hotel stay every year on your anniversary date.

Ongoing rewards include up to 26X points per dollar spent at an IHG® hotel.

– This card gives you 30,000 bonus points if you spend $3,000 in the first three months of card membership. Plus you can earn up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

Nine points are earned per dollar spent at Hyatt hotels, two points are earned per dollar spent at restaurants on travel (direct purchase w/ airline) and on fitness memberships.

Free nights at Hyatt hotels start at just 5,000 points. There are no foreign transaction fees but there is a annual fee.

Quinstreet Credit Cards

  • Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 04/05/2023.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.

Hilton Honors American Express Card– Here’s another card with a big introductory bonus–Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 04/05/2023. Plus, you can earn up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. Cardholders can earn 7x Hilton Honors bonus points per dollar spent on direct purchases with a hotel or resort within the Hilton portfolio. Earn 5x Hilton Honors points per dollar spent on eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3x points per dollar spent on everything else. Terms Apply.

See Rates & Fees.

If you’re already in the market for a new credit card, one of these might be right up your alley. Again, though, be sure that the hotels involved are ones that you would prefer to stay in, anyway. And if you want to travel internationally, be sure that the hotel has a portfolio in the countries you’re interested in seeing.

3. Cash Back Cards

Cash back cards are great because they provide so much flexibility. If you aren’t familiar with cash back cards, they are just what they sound like. Every time you spend on your card, you earn cash back. The cool thing is that you can spend this money on anything you like.

These cards don’t directly net you free hotel nights like the hotel-centric cards above. But you can always count any cash back you earn as vacation money that you can spend on hotels. Many cash back cards are available to consumers with average credit, unlike some of the hotel cards listed above, which are usually for those with excellent credit.

Cash back cards are also nice in that they tend to favor everyday purchases versus hotel purchases. If you aren’t already staying in hotels often (because you need to save up points for free stays, of course!), earning points on hotel and travel cards can be tough. But cash back cards give you points for the spending you do every day–like groceries, gas, and restaurant purchases.


  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. $0 intro plan fee applies to plans created in the first 12 months from account opening. A 1.33% fee applies to Plans created after that on each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.74% to 29.74%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit.
  • $0 intro annual fee for the first year, then $95.
  • Terms Apply

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.. And then you can earn 6% cash back at U.S. supermarket purchases (up to $6,000, then 1%), 3% cash back at U.S. gas stations, and 1% cash back on all other purchases. That lets you swipe your card on everyday spending and earn serious cash back that you can use for anything–including hotel stays. See Rates & Fees.

Plus, AMEX has also added a few bonus categories; 6% cash back on eligible select US streaming services (like Netflix, Hulu, and others) and 3% cash back on on transit (including taxis/rideshare, tolls, parking, trains, buses and more). Terms apply.

4. Flexible Rewards Cards

Flexible rewards cards are another way to earn free hotel stays. By far the best personal card in this category–and possibly the best rewards card, period–is the Chase Sapphire Preferred® Card.

If you only want one credit card in your wallet, it should be this one if you’re considering using rewards to make travel cheaper. Right now, you can get an 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening..

The great thing about this program is that you can redeem the points for cash back. Or you can transfer them to another rewards program. So you could transfer the points to your hotel chain’s rewards account, which could increase their value (depending on the program). So this card is a great way to get flexible rewards that you can use on all of your travel needs, including hotel stays.

5. Combining Credit Cards

If you really want to make the most of your rewards programs and credit cards, the best option is to combine them so you’re always maximizing the points you can get for your spending. To do this, you’ll want to lay out all of your credit cards’ rewards programs on paper. See which ones reward your spending in particular categories, and then use those cards to gain the most points on your purchases.

So you’ll probably want to book any hotel stays with your hotel-branded credit card, as these will offer the best points for those hotels. But if you have one card that offers 5 points per dollar spent on groceries, use that card for groceries. Then use a gas-centric card for your spending at the pump.

Combining your credit card spending in this way–while being sure to pay off the balance in full each month–can help you get more points for every dollar you spend. Which you can then turn into free hotel stays and more.

6. Using Your Points Strategically

When you’re choosing the rewards program you’ll use, be sure to pay attention to the little extras. For instance, when you book a 4-night stay with any SPG hotel using rewards points or cash, you can get the fifth night for free. Some other hotel chains offer this free night option, as well. So whether or not you’re paying for all of your vacation nights in points, you can extend your vacation without paying any more.

7. Use Booking Site Points

If your goal is always to get the cheapest hotel stay rather than to remain brand-loyal, book consistently through a site like Expedia. These travel booking sites have their own rewards programs, too. You can use points earned through your favorite booking site to get free hotel nights and other travel credits.

Of course, you’ll want to weigh this with the potential benefits of being a loyal customer for a single hotel chain. Look into the different programs, figure out where you want to travel, and then decide if you’re better off using an aggregated booking site and its rewards program or sticking with one chain that you really love.

8. Work for a Hotel

Most hotel chains give their employees discounts on hotel stays within their chain. If you’re looking for a side gig, you might see if local hotels have part-time jobs that come with some perks like these. It’s not for everyone, but if you really love to travel, your side gig could both fund your travel and give you discounts on places to stay when you do it.

If you really want to travel, land a job with Marriott and stay for 25 years. Then you can join the hotel’s Quarter Century Club, which comes with free weekend hotel stays for life.

Bottom Line – Be Smart

Of course, earning rewards points doesn’t mean anything if you’re overspending and paying a lot of interest. You’ll also want to pay attention to the annual fees for each credit card you use. Look carefully to ensure that you’re actually well out-earning that annual fee. If you’re not using the card enough to out-earn the fee, kick it to the curb.

Most importantly, be sure you’re spending within your budget and paying off your cards in full each month. Otherwise, you’ll have trouble saving up for travel, even if you are amassing tons of rewards points. Travel safely and spend wisely. Your next trip awaits!

Abby Hayes

Abby Hayes

Abby is a freelance journalist who writes on everything from personal finance to health and wellness. She spends her spare time bargain hunting and meal planning for her family of three. She has a B.A. in English Literature from Indiana University Purdue University Indianapolis, and lives with her husband and children in Indianapolis.

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