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Ways to Book a Hotel Without a Credit Card

Triston Martin

Nov 19, 2023

No need to worry about using Expedia,, or any other travel website. These sites allow you to book hotels, flights, and other travel arrangements without a credit card. A credit card isn't necessary to visit any part of the world or reserve a place to sleep. Most lodging establishments now allow various payment methods, including debit/prepaid cards, PayPal, bank transfers, and cash.

All major credit cards are accepted at most hotels; however, a hold may be placed on your card for incidental charges. When making an online hotel reservation, you can use PayPal or the hotel's own payment system.

Rely on Outside Reservations Sites

Interest rates on credit cards are far greater than those on loans for vehicles or homes. They're similar to unsecured loans. Credit card companies have to take a risk by issuing cards without requiring collateral. Therefore they charge high-interest rates. According to the Federal Reserve, the average interest rate on credit cards was 16.3 percent in the second quarter of 2021. The benefits offered by travel credit cards only add to the high cost of using them.

You can arrange your ideal vacation without resorting to the use of a credit card. Begin by searching for your hotel on sites like,, Expedia, Hotwire, Trivago, and others. Hotel and airfare savings, vacation packages, last-minute specials, and exclusive member prices can all be found on these sites. Additionally, with some services, customers can reserve a room at a hotel without using a credit card.

For instance,'s "No prepayment needed" option will become visible after entering the desired location and travel dates. You can reserve a room at either the Carpenter Hotel or the East Austin Hotel in Austin, Texas, without having to pay anything upfront. Choose "No prepayment" from the drop-down menu labeled "Reservation Policy" on the left side of the screen to filter your search results accordingly. Request a room, then call the hotel to find out how you can pay.

Choose this if you prefer to pay when you check into the property. You may still be required to input your payment details on or the site you choose to use. Your debit card number will do if you don't want to use a credit card. You should know that some hotels will put a pending charge on your card to verify sufficient funds.

Use a debit card to make a payment

Please use a debit or prepaid card when making your hotel reservation, whether you do it directly with the hotel or through a third-party website. A debit card draws funds directly from your checking account, while the user funds prepaid cards in advance. Prepaid cards have a spending limit, so if you load $500 onto them, that's all you can spend. A debit card allows you to make withdrawals straight from your bank account. The Consumer Financial Protection Bureau suggests that debit card users may also be offered overdraft protection.

Call the hotel or motel in advance if you plan on paying with a debit card. There's a chance that a few of them will take prepaid cards too. When you check in at a Marriott or similar hotel, they will temporarily hold the funds from your debit card. This safety safeguard is in place if any additional costs, such as taxes, fees, movie rentals, or property damage, arise during your stay. Also, a security deposit could be necessary.

Are Cash Payments Accepted?

It's possible that making a reservation will be impossible if you only want to pay with cash. It is also essential to think about the hotel's cancellation policy. Cash payments for hotel rooms come with the risk that you won't be refunded if something goes wrong. Hotel visitors frequently complain about a lack of hot water, unclean rooms, pests, and unpleasant scents. Also, carrying large amounts of cash can be risky while traveling.

It is possible to reserve a hotel room without using a credit card. You can also use PayPal, a bank transfer, or a check when making an online reservation.,, Hotwire, and others take PayPal and debit cards, as do Expedia and Orbitz. Gift cards are not typically accepted as payment for hotel rooms.

There is a plethora of auxiliary hotel booking sites available. While there are certainly more reliable options out there, it's always smart to shop around before committing to a single rate. Keep in mind that certain websites can guarantee reduced rates if you arrange a non-refundable stay with them (more on that below). Before you do that, though, you might want to call the hotel and check if they will match the web rate. Not all hotels will honour the rate, while others may offer further discounts to attract direct bookings.

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