Treat yourself to a free night with one of these hotel rewards credit cards. Getty Images By Miriam Cross, Associate Editor July 6, 2018From Kiplinger's Personal Finance Guide to Scoring the Best Deals in 2018 Disrupter Deal: The Instant Pot Get the Real Deal for Less Best Bets for Grocery Delivery Top Tech Bargains for 2018 Refurbished and Open-Box Deals Disrupter Deal: No-Strings Streaming Best Deals for Low-Cost Cloud Storage Free Trades on Low-Cost Funds Skip the Sales Tax Disrupter Deal: Trade Stocks Commission-Free Sales on Consumer Staples Stocks Hot Savings on Flights to Hawaii Rent an RV for a Dollar a Day Disrupter Deal: Two-in-One Trips A number of hotel rewards credit cards throw in a free night’s stay for cardholders each year. The catch: All of the cards charge an annual fee, and the room may be at a lower- or mid-tier property. Participants include Starwood Preferred Guest from American Express (annual fee: $95), Marriott Rewards Premier Plus ($95), IHG Rewards Club Premier ($89) and Hyatt Credit Card ($75). The Citi Prestige card carries an annual fee of $450, but cardholders have unlimited use of their “fourth night free” benefit by booking a stay of four consecutive nights at almost any hotel by phone through the Citi Prestige “concierge” or at www.thankyou.com.