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Are you having Amex Offer FOMO? That’s understandable, given the great Amex Offers — especially for bonus Membership Rewards points — we’ve seen during the past few weeks.

But if you don’t have a Membership Rewards card, you’re missing out on some promotions that could easily score you a bunch of points that’ll help accelerate your travel goals. And, yes, there are even a couple of no-annual-fee American Express Membership Rewards cards.

Several hotel credit cards offer annual complimentary “anniversary” nights: a free one-night stay each year at a participating hotel in the brand’s chain. The benefit begins the second year of card membership.

For example, Marriott Bonvoy Boundless and Marriott Bonvoy Brilliant cardholders can spend the night for a room at an eligible Marriott hotel each year they renew their card.

But each hotel credit card — at least, that I know of — sets limits as to which properties are available for the free anniversary nights.

For example, the World of Hyatt credit card ($95/year annual fee) gives cardholders a free night at Hyatt properties in the 1, 2, 3, or 4 categories.

The Marriott Bonvoy Boundless ($95) limits redemptions to awards of 35,000 points and under. It’s expensive sibling, the Marriott Bonvoy Brilliant ($450), ups the limit to 50,000.

And the IHG Rewards Club Premier Mastercard ($89) sets a 40,000 point max for their eligible properties.

But would you be willing to pay a higher annual fee for these cards if you could stay at any of their respective hotels?