Free Night Hotel Credit Cards Collection Discussion🔥

Holding nearly 70 cards and focusing on no-spend FNs does make it easy to overlook hard limits like annual fees and 5/24. For example, Chase's 5/24 rule doesn't just affect the IHG Biz—it will also block any future Chase card, including the Chase SPG you mentioned (now merged into Marriott). Also, Amex cards usually have a once-per-lifetime restriction, so even if there was historically a no-spend FN version, you may not be able to earn the welcome bonus again now. Barclays and Wells Fargo are also sensitive to recent new accounts and HPs, so the more cards you collect, the harder approval becomes. So before collecting cards, it's best to first assess whether you've already been blacklisted by a certain bank or hit its limit—otherwise it's just a list on paper.

Among the cards you mentioned, can the Chase Ritz and the Marriott upgraded from the original SPG still reliably earn the annual free night now? I remember that for some cards, the free night rules change after a product change. Do you have actual terms screenshots or recent DPs you can share? That way everyone can judge which ones are worth holding long term.

For the Firstbank Best Western card, can you confirm it still gives a free night with no spending requirement? I remember it was changed at some point.

I think cards with no-spend free night certificates are great for people who stay at hotels often, but for those living in non-hub cities or who rarely travel, the annual fee may not pay for itself. For example, although the Hilton Aspire's free night has no spending requirement, the resort credit and airline credit require specific spending situations—if you can't use them, it's a net loss. Also, Caesars only has properties in Vegas, so for people not on the U.S. West Coast, it's basically a useless card. When collecting cards, you also need to consider your own travel radius, otherwise the more cards you have, the more of a hassle it becomes.

If your goal is to fill in the gaps, try searching for the keyword "no spend free night" on the US Card Blog or the churning subreddit to see if any new cards have launched or old cards have been revamped in the past six months. Alternatively, you could make a table of the free night expiration policies and whether extensions are possible for the cards you already have—that's more practical than just collecting cards for the sake of it.

First, confirm whether you're blocked by Chase's 5/24 rule, then consider the IHG Biz.

The core takeaway is this: hotel cards with no spending requirement for the free night (FN) really are becoming rarer, but your list may still be missing co-branded cards from certain regional banks or credit unions—they just usually aren't publicly promoted or are limited to local residents. Another thing that's easy to overlook is that some cards have no spending requirement for the FN, but they require you to stay at least once a year or call to activate it, otherwise the FN is forfeited. As a next step, you could start by putting together a table listing each card's FN hotel tier, annual fee, whether it can be stacked, and how many FNs you've actually used over the past two years. If your utilization rate is below half, then continuing to collect them is a burden rather than a benefit.