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Carrying the credit card of the hotel you are staying in is a simple way to make sure you get extra perks.

A generous welcome bonus and a free award night are included with the hotel credit cards.

The best hotel credit cards under $100 are easy to pay the annual fee on.

We'll look at credit cards from several companies today. These cards are issued by different banks and offer benefits in their respective hotel loyalty programs, but each has an annual fee under $100 and is worth a place in your wallet.

Comparison of the best hotel credit cards with annual fees of $100 or less

Hilton Honors American Express Surpass® CardIHG Rewards Premier Credit CardMarriott Bonvoy Boundless Credit CardWorld of Hyatt Credit CardWyndham Rewards Earner® Plus Card
Welcome bonusEarn 130,000 bonus Hilton Honors points after spending $2,000 on purchases in the first three months of cardmembership.Earn 140,000 bonus points after spending $3,000 on purchases in the first three months from account opening.Earn three free night awards (worth up to 50,000 points each) after spending $3,000 on purchases in the first three months from account opening.Earn up to 60,000 bonus points. Receive 30,000 bonus points after spending $3,000 on purchases in your first three months from account opening and receive up to 30,000 more bonus points by earning 2 points per dollar on purchases that normally earn 1 point per dollar — on up to $15,000 of these purchases.Earn 45,000 bonus points after spending $1,000 on purchases within the first 90 days from account opening.
Welcome bonus value*$780.$700.Up to $1,260 if each night is redeemed for 50,000 points.Up to $1,020 if you receive the full 60,000 points.$495.
Annual fee$95 (see rates and fees).$99.$95.$95.$75.
Earning structure12 points per dollar at hotels and resorts participating in Hilton Honors.

6 points per dollar on dining in the U.S.

6 points at supermarkets and gas stations.

Points are given for other purchases.

10 points per dollar at hotels and resorts participating in IHG One Rewards.

5 points are given for travel, gas stations and dining.

Points are given for other purchases.

6 points per dollar at hotels and resorts participating in Marriott Bonvoy.

3 points per dollar on the first $6,000 of combined spending at gas stations, grocery stores and dining

2 points for every dollar spent on other purchases.

4 points per dollar at World of Hyatt hotels, participating Small Luxury Hotels of the World (SLH) locations and eligible Lindblad Expeditions.

2 points per dollar at restaurants, on flights purchased directly from airlines, fitness club and gym memberships, and commute, as well as local transit, taxis, mass transit, toll and ride-sharing services.

All other purchases have a point per dollar.

6 points per dollar at Wyndham Rewards hotels.

6 points on gas purchases.

Points are given for purchases from and down payments on vacation club memberships.

Points are given for dining and grocery store purchases.

One point per dollar is used for other purchases.

Value of points earned at hotels in that program*7.2 cents per dollar at Hilton hotels and resorts.5 cents per dollar at IHG hotels and resorts.5.04 cents per dollar at Marriott Bonvoy hotels and resorts.6.8 cents per dollar at Hyatt and SLH properties.6.6 cents per dollar at Wyndham properties.
Elite status benefitsAutomatic Hilton Honors Gold status provides 80% bonus points on paid stays, a "fifth night free" benefit on points stays, space-available room upgrades (but not to suites), a welcome gift of bonus points and free breakfast or food and beverage credits, depending on where you stay.

If you spend $40,000 with your card in a year, you'll get Diamond status.

Automatic Platinum Elite status provides 60% bonus points on paid stays, a "fourth night free" benefit on points stays, discounts on award reservation rates, a welcome gift of points or a snack at check-in, late checkout and early check-in (based on availability) and room upgrades based on availability at check-in.

If you spend $40,000 or more with your card in a year, you'll get Diamond Elite status.

Complimentary Silver Elite status provides 10% bonus points on paid stays and late checkout (subject to availability).

If you spend $35,000 on your card in a year, you'll get gold elite status.

Complimentary Discoverist status provides 10% bonus points on paid stays,  premium in-room internet, two bottles of water each day of your stay, late checkout (when available) and status match opportunities with MGM Rewards.Complimentary Platinum status provides rollover nights, 15% bonus points on paid stays, upgrades to preferred rooms (but not suites), late checkout, early check-in, elite status with Avis and Budget car rental programs and status match opportunities with Caesars Rewards.
Annual free night benefitsEarn a free night award after spending $15,000 on purchases in a calendar year.Receive a free night award (worth up to 40,000 points) on each account anniversary.Receive a free night award (worth up to 35,000 points) on each account anniversary.Receive a free night award (valid at Category 1-4 properties) each year on your account anniversary.None, though you receive anniversary bonus points.
Foreign transaction feesNone (see rates and fees).None.None.None.None.
Other benefits10 Priority Pass lounge passes each year.

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Amex offers include bonuses, spending offers, and rebates.

Up to $100 in statement credits to reimburse your Global Entry, TSA PreCheck or Nexus application fee.

You can get up to $50 in United TravelBank credit every year if you link your accounts.

If you spend $20,000 on your card in a year, you'll get a $100 statement credit and 10,000 bonus I hg points.

You don't have to buy points with a discount or bonus offer if you use your card to pay.

Chase offers include spending offers and bonuses.

Receive 15 elite night credits per year, which help you achieve higher status levels.

If you spend $5,000 on the card, you will get an elite night credit.

Chase offers include spending offers and bonuses.

Earn another free night award (valid at Category 1-4 properties) by spending $15,000 on your card within a calendar year.

Each year, you will receive five tier-qualifiers.

If you spend $5,000 on your card, you can earn tier-qualifying nights.

Receive 7,500 bonus points on each account anniversary after paying the annual fee.

If you redeem 10% fewer points, you'll get the "go free" award.

The points value is not the card issuer's.

Details of the best hotel credit cards with annual fees under $100

Hilton Honors American Express Surpass Card

If you spend $2,000 in the first three months of your membership, you'll get 130,000 bonus points.

See the rates and fees for the annual fee.

There are benefits at hotels that participate in theHiltonHonors program. There is an 80% bonus points on paid stays, a " fifth night free" benefit on award stays using points, a welcome gift of bonus points, and either free breakfast or food and beverage credits.

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WYATT SMITH/THE POINTS GUY

One of the highest hotel credit card welcome bonuses on the list, but it sits in the middle of the pack when it comes to its actual value. In the first three months of cardmembership, you will receive 130,000 bonus points for every $2,000 you spend.

The cardholders get automatic Gold status, which requires 20 nights at the hotels. When you redeem points for hotel stays, you can receive five nights for the price of four, plus you will receive space- available room upgrades and a daily food and beverage credit. You will be upgraded to Diamond after you spend $40,000 on purchases in a year.

The card gives 12 points per dollar spent at hotels and resorts in the Hilton portfolio and 6 points per dollar at U.S. restaurants. Points are earned for all eligible purchases. If you make $15,000 or more in purchases with your card in a year, you will receive a free night award that can be used at almost any participating hotel. You can get up to 10 complimentary visits at Priority Pass lounges every year.

See our full review of the card.

The American Express surcharge card is available for application.

IHG Rewards Premier Credit Card

In the first three months after account opening, you can earn 140,000 bonus points.

There is an annual fee.

Receive complimentary Platinum Elite status, which offers benefits such as 60 bonus points on paid stays, a " fourth night free" benefit on points stays, discounts on award reservation rates, a welcome gift of points or a snack at check in, late.

THE POINTS GUY

It is worth it because people love the fourth-night reward benefit. Up to 25% on points redemptions can be saved with this perk. The free night award is worth up to 40,000 points and can be combined with this benefit. You will earn 10,000 bonus points and a $100 statement credit each year that you make $20,000 in purchases and you can get reimbursement for your application fee to government security programs.

You can earn 10 points per dollar at hotels and resorts, 5 points per dollar on travel, gas stations and dining, and 3 points per dollar on other purchases, if you are a member of I hgone rewards.

The full review of the IHG rewards premier credit card can be found here.

If you apply here, you'll be able to use the I hg rewards premier credit card.

Marriott Bonvoy Boundless Credit Card

You can earn three free night awards if you spend $3,000 on purchases in the first three months.

The fee is every year.

Marriott Bonvoy benefits include complimentary Silver Elite status. 10% bonus points are available on paid stays and late checkouts.

ISABELLE RAPHAEL/THE POINTS GUY

The welcome bonus of three free nights worth up to 50,000 each is very generous for those who can maximize their stays, which makes it worth up to $1,260 in the latest valuations of the company. The Marriott Bonvoy Boundless credit card has a limit on the number of free nights that can be given annually. Up to 15,000 points can be added to the night awards to redeem higher-priced properties.

10% bonus points on stays, priority late checkout and free wi-fi are included in Silver Elite status for cardholders. You'll be upgraded to Gold Elite status after spending $35,000 on purchases each year and will receive 15 elite night credits towards higher status levels, deposited in your Marriott Bonvoy account at the beginning of each year. If you want to earn Marriott Bonvoy status, you need to earn 1 elite night credit for every $5,000 you spend on the card.

You can earn 6 points per dollar at hotels and resorts that participate in Marriott Bonvoy, 3 points per dollar at gas stations, grocery stores and dining, and 2 points per dollar on other purchases.

The Marriott Bonvoy Boundless card is reviewed in our full review.

The Marriott Bonvoy Boundless is a place to apply.

World of Hyatt Credit Card

You can earn up to 60,000 bonus points. You can get up to 30,000 bonus points by earning 2 points per dollar on purchases that normally earn 1 point per dollar, if you spend $3,000 on purchases in your first 3 months.

The fee is every year.

Receive complimentary Discoverist status at participating hotels. 10% bonus points on paid stays, premium in-room internet, two bottles of water per day, and late checkout are available at the lowest tier.

a hand holds a credit card

THE POINTS GUY

The World of Hyatt Credit Card is worth it because of its annual free night valid at Category 1-4 hotels and the ability to earn a second free night after spending less than $15,000 per year. If you spend an average of $1,250 per month on your card, you can earn six tier-qualifying nights and get a second free night.

The Discoverist status on the card requires 10 tier-qualifying nights or 25,000 base points. The card has five night credits that can be used for elite status each year. Two additional night credits can be earned for every $5,000 you spend on the card. You could earn Globalist status based on your credit card spending.

You will get 4 points for every dollar spent at Hyatt hotels and those affiliated with World of Hyatt. You can get 2 points per dollar at restaurants and on airline tickets purchased directly from airlines. One point per dollar is earned by all other purchases.

The review of the World of Hyatt Credit Card can be found here.

You can apply for a Hyatt credit card.

Wyndham Rewards Earner Plus Card

If you spend $1,000 in the first 90 days from account opening, you'll get 45,000 bonus points.

The fee is every year.

Receive complimentary Platinum status at participating hotels, which includes perks such as early check-in and elite status with Avis and Budget car rental programs.

THE POINTS GUY

Up to six free nights at participating properties can be had with the full sign-up bonus alone. Awards begin at 7,5000 points and don't go over 30,000 points.

Dining and grocery store transactions earn 4 points per dollar for eligible purchases, while gas station purchases earn 6 points per dollar. One point per dollar is earned for all other purchases. The card will give you an annual bonus of 7,500 points, which is enough to get you a free night in some properties. If you visit a few times a year, the anniversary bonus and earning rates are amazing.

Cardholders receive automatic Platinum-level elite benefits and exclusive discounts on rooms.

You can read our full review of the card.

Here you can apply for a card.

Bottom line

The right hotel credit card can give you attractive benefits and earn you more money.

Automatic elite status, bonus points when paying for your stay and many other benefits can be obtained with the best hotel credit cards under $100.

The value of the benefits and additional rewards on these credit cards makes up for the small price tag.

Additional reports were given by Lee Huffman.

Click here if you want to know the rates and fees of the card.