On this planet of factors and miles, lodge bank cards play an integral position, as they might help unlock your subsequent lodge room door quicker. Among the best components of getting a lodge bank card is that you simply earn a profitable welcome bonus that may get you a handful of free nights.
Sadly, the largest welcome bonuses often require vital spending (sometimes a number of thousand {dollars}) to earn them.
If you wish to earn a lodge welcome bonus with out breaking the financial institution, listed below are eight playing cards that require spending $3,000 or much less. Even higher, none of those playing cards have an annual charge increased than $99, with a pair even having no annual charge.
These playing cards are nice for those who’re opening your first journey bank card and are not sure you’ll be able to meet a excessive minimal spending requirement. You’ll earn a precious bonus with out spending greater than you usually would.
Greatest lodge bank cards with low spending necessities
The data for the Wyndham Rewards Earner Card and the Wyndham Rewards Earner Plus Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Comparability of the most effective lodge bank cards with low spending necessities
| Card | Welcome bonus | Incomes charges | Annual charge |
|---|---|---|---|
| Alternative Privileges Mastercard | Restricted-time supply: Earn 60,000 bonus factors after spending $1,000 on purchases within the first three months of account opening — sufficient to redeem for as much as seven reward nights at choose Alternative Accommodations properties. Further charges might apply. |
|
$0 |
| Alternative Privileges Choose Mastercard | Earn 60,000 bonus factors after spending $3,000 on purchases within the first three months of account opening — sufficient to redeem for as much as seven reward nights at choose Alternative Accommodations properties. Further charges might apply. |
|
$95 |
| Hilton Honors American Specific Card | Earn 100,000 bonus factors and a $100 assertion credit score after spending $2,000 on eligible purchases within the first six months of card membership. This supply ends Aug. 13. |
|
$0 (see charges and charges) |
| Marriott Bonvoy Daring Credit score Card | Earn 30,000 bonus factors after spending $1,000 on purchases within the first three months of account opening. |
|
$0 |
| Marriott Bonvoy Boundless Credit score Card | Earn three free evening awards (every evening valued at as much as 50,000 factors, for as much as 150,000 factors whole) after spending $3,000 on purchases within the first three months of account opening. Sure accommodations have resort charges. |
|
$95 |
| One Key+ Card | Earn a limited-time supply of $600 in OneKeyCash after spending $3,000 on purchases inside the first three months of account opening. |
|
$99 |
| Wyndham Rewards Earner Card | Earn 30,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening. |
|
$0 |
| Wyndham Rewards Earner Plus Card | Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening. |
|
$75 |
Alternative Privileges Mastercard
Welcome bonus: Restricted-time supply: Earn 60,000 bonus factors after spending $1,000 on purchases within the first three months of account opening — sufficient to redeem for as much as seven reward nights at choose Alternative Accommodations properties. Further charges might apply.
Primarily based on TPG’s July 2025 valuations, this bonus is value $360.
Annual charge: $0.
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Why we prefer it: Cardholders get automated Gold elite membership. Plus, they will obtain 10 elite evening credit annually and mobile phone safety, a profit often discovered on playing cards with annual charges.
To study extra, learn our full evaluation of the Alternative Privileges Mastercard.
Apply right here: Alternative Privileges Mastercard
Associated: Alternative Privileges program: earn and redeem factors, elite standing and extra
Alternative Privileges Choose Mastercard
Welcome bonus: Earn 60,000 bonus factors after spending $3,000 on purchases within the first three months of account opening — sufficient to redeem for as much as seven reward nights at choose Alternative Accommodations properties. Further charges might apply.
Primarily based on TPG’s July 2025 valuations, this bonus is value $360.
Annual charge: $95.
Why we prefer it: The Alternative Privileges Choose card provides advantages like 30,000 bonus factors each account anniversary and an as much as $120 assertion credit score for World Entry or TSA PreCheck. Plus, you will get 20 elite evening credit, which grants you no less than Platinum standing (that tier consists of advantages like a welcome reward, early check-in and late checkout) annually and in addition will get you midway to Diamond standing.
To study extra, learn our full evaluation of the Alternative Privileges Choose Mastercard.
Apply right here: Alternative Privileges Choose Mastercard
Associated: 12 really particular luxurious accommodations and resorts you’ll be able to guide with factors
Hilton Honors American Specific Card
Welcome bonus: Earn 100,000 Hilton Honors bonus factors and a $100 assertion credit score after spending $2,000 on purchases within the first six months of card membership. This supply ends Aug. 13.
Annual charge: $0.
Why we prefer it: The Hilton Honors American Specific Card has no annual charge and grants complimentary Hilton Honors Silver standing, which will get you entry to Hilton’s fifth-night-free profit on award stays. It additionally has a strong incomes charge at Hilton properties and a pleasant welcome bonus that may get you quite a few award nights (particularly for those who make the most of the fifth evening free).
Even for those who keep at Hilton properties just a few instances annually, this card may very well be value conserving in your pockets yr after yr.
To study extra, learn our full evaluation of the Hilton Honors Amex.
Apply right here: Hilton Honors Card from American Specific
Associated: Final information to the Hilton Honors loyalty program
Marriott Bonvoy Daring Credit score Card
Welcome bonus: Earn 30,000 bonus factors after spending $1,000 on purchases within the first three months of account opening.
Primarily based on TPG’s July 2025 valuations, this bonus is value $210.
Annual charge: $0.
Why we prefer it: Bonvoy Daring cardholders obtain Marriott perks like Marriott Bonvoy Silver Elite standing and 10% bonus factors. Plus, you will get a handful of journey protections and have the flexibility to pay purchases off over time. This card may very well be a strong addition to your pockets for those who often keep at Marriott properties and wish to jump-start incomes elite standing with out paying an annual charge.
To study extra, learn our full evaluation of the Marriott Bonvoy Daring.
Apply right here: Marriott Bonvoy Daring Credit score Card
Associated: 30 greatest Marriott accommodations on this planet which you can guide with factors
Marriott Bonvoy Boundless Credit score Card
Welcome bonus: Earn three nights (every evening valued at as much as 50,000 factors, for a complete of as much as 150,000 factors in worth) after spending $3,000 on purchases within the first three months from account opening. Sure accommodations have resort charges.
Primarily based on TPG’s July 2025 valuations, this bonus is value as much as $1,050.
Annual charge: $95.
Why we prefer it: The Marriott Bonvoy Boundless is a strong sub-$100 annual charge possibility. You may obtain a plethora of perks, like Silver Elite standing, 5 elite evening credit and an anniversary free evening award (as much as 35,000 factors). This card may very well be a wonderful addition to your pockets, whether or not you keep at Marriott properties recurrently or not.
As a frequent Marriott traveler who would not maintain a cobranded card, this card can be my high choose for many Marriott vacationers.
To study extra, take a look at our full evaluation of the Marriott Bonvoy Boundless.
Apply right here: Marriott Bonvoy Boundless Credit score Card
Associated: earn and use a Marriott Bonvoy 35,000-point certificates
One Key+ Card
Welcome supply: Earn a limited-time supply of $600 in OneKeyCash after spending $3,000 on purchases inside the first three months of account opening.
Annual charge: $95.
Why we like: Whereas I am not one to often guide accommodations by means of an on-line journey company like Expedia or Accommodations.com, it is a strong possibility for these with no allegiance to any lodge chain.
Plus, for those who desire trip leases for stays, you will earn bonus rewards when reserving with Vrbo. You may additionally obtain perks like $100 in OneKeyCash every anniversary (which may absolutely cowl the annual charge), a World Entry or TSA PreCheck credit score, One Key Gold standing and mobile phone safety.
To study extra, learn our full evaluation of the One Key+ Card.
Apply right here: One Key+ Card
Associated: I hardly ever keep at main lodge chains — here is how I maximize my reward journey anyway
Wyndham Rewards Earner Card
Welcome bonus: Earn 30,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening.
Primarily based on TPG’s July 2025 valuations, this supply is value $330.
Annual charge: $0.
Why we like: This card gives Wyndham Gold elite standing (which incorporates many advantages, corresponding to early check-in, late checkout and bonus earnings), good incomes charges at Wyndham properties, reductions on award stays and 6,000 anniversary bonus factors.
With no annual charge, this may very well be a strong long-term card for those who like to remain at Wyndham properties. Plus, for those who’re a fan of Las Vegas and have Platinum standing, there’s the flexibility to match your standing to Caesars Rewards standing.
To study extra, take a look at our full evaluation of the Wyndham Rewards Earner Card.
Associated: Which Wyndham Rewards bank card is best for you?
Wyndham Rewards Earner Plus Card
Welcome supply: Earn 45,000 bonus factors after spending $1,000 on purchases within the first 90 days of account opening.
Primarily based on TPG’s July 2025 valuations, this supply is value $495.
Annual charge: $75.
Why we prefer it: The Wyndham Rewards Earner Plus is the large brother of the Wyndham Rewards Earner Card. You may obtain the identical perks, plus 7,500 bonus factors every account anniversary and Wyndham Rewards Platinum standing. Wyndham provides a fixed-rate award chart, making redemptions simple.
TPG lead author Katie Genter has used Wyndham factors for 15,000-point nights in Hawaii and seven,500-point nights in South Korea and has gotten wonderful worth redeeming factors for Vacasa stays, although that is tougher to do now with the decrease cap on the typical price per bed room for 15,000-point nights.
To study extra, see our full evaluation of the Wyndham Rewards Earner Plus Card.
Associated: Wyndham Rewards: Information to incomes, redeeming and elite standing
Execs and cons of lodge playing cards with low minimal spending necessities
Lodge playing cards with low spending necessities are typically entry or midlevel playing cards. Having one in all these is a good way to get you began in a lodge chain’s ecosystem. By holding one in all these playing cards, you’ll get some free nights or factors from the welcome bonus, earn factors in your stays and jump-start and even obtain automated elite standing.
A few of these playing cards are even simpler to get accepted for than their premium counterparts, as you simply want a good credit score rating. Moreover, for the reason that spending necessities are decrease, you possibly can even open a number of lodge playing cards and earn a number of totally different welcome bonuses to diversify your factors.
The primary draw back of the minimal spending necessities is that the welcome bonuses typically aren’t as profitable. Nevertheless, you possibly can begin with these playing cards and improve to extra premium lodge playing cards afterward.
Most of the greatest rewards bank cards have minimal spending necessities of $5,000 or much less, with even larger and higher welcome bonuses you’ll be able to make the most of when you get the grasp of incomes and redeeming factors.
Backside line
Staying in accommodations would not have to interrupt the financial institution. There are quite a few lodge rewards bank card choices that may allow you to cut back the prices. Many supply precious welcome bonuses that may be value a whole lot and even near $1,000. These playing cards haven’t got hefty minimal spending necessities, and you’ll meet them organically by means of on a regular basis spending.
These playing cards present the most effective of each worlds by permitting you to reward your self on your on a regular basis purchases with out having to decide to placing quite a lot of bills on a card.
Associated: How to decide on a lodge bank card
For charges and charges of the Hilton Honors Amex Card, click on right here.
