How To Book Hotel Without Credit Card (7 Ways To Pay & Reserve) in 2022

The adventure of traveling during holidays or vacations is something many Americans look forward to. Such is the time to see the world, experience wonders of nature, new cultures, and climates. It’s why many people decide to drastically cut expenses so that they can save money for their dream vacation.

When you’re away for a road trip, holiday, or vacation, you’ll most likely be staying in a hotel room. The fact that many hotels require a pre-authorized credit card to book a room can be difficult for some Americans. It’s problematic if you are among the s who don’t have a credit card or the that don’t have a bank account.

You need to know how to book a hotel without a credit card whether you are giving up your credit card to cut down on your spending, living simply with a cash envelope, or don’t have a credit card for some other reason.

How do you make a hotel reservation without a credit card? is the main query.?

Short Answer: There are legitimate and legal ways to book a hotel room without a credit card, even though it’s uncommon to find one close by. The best choices include choosing small, independent hotels, requesting a room courtesy hold, and looking for hotels that accept cash.

A secured credit card, debit card, or travel websites that accept PayPal can be used in place of a standard credit card when making a hotel reservation. If none of these options are successful for you, you might want to speak with the hotel directly to make a direct deposit reservation.

I’ll describe how to make a hotel reservation without a credit card.

Fast Checkouts

It shouldn’t come as a surprise when a hotel is packed, especially around special occasions or conventions. Even the calmest person might find it overwhelming due to the terrible long lines at the front desks and the slow payment systems.

The hotel staff can check you in or out quickly and easily if they have access to your credit card information. Such speedy checkouts are very customer-friendly and ensure that your hotel stay is enjoyable.

It not only helps you save time, but it also comes in handy if you’re in a hurry and need to catch a train or a flight.

Why Do Hotels Need a Credit Card to Book a Room?

In practically all hotels, credit cards are the preferred form of payment. Even if you are able to reserve a room without a credit card, it will be challenging to check in without one. Before receiving the room keys, you might have to pay a hefty deposit fee.

Hotels that require a credit card to make a reservation include:

Guarantee Payment

Hotels want to make sure that they have a way to secure their funds from the beginning, which is one reason why making hotel reservations without a credit card is challenging. For instance, you might book a five-day stay at a hotel and then discover that your credit or debit balance is insufficient. The hotel can charge the bill to your card and collect payment if they have your credit card information on file.

Incidental Expenses

In addition to receiving payment for the principal balance, hotels desire to be protected in case of mishap. For instance, a guest’s credit card may be charged immediately if they cancel at the last minute, damage any property while they are staying there, or have to pay for food.

Combat Employee Theft

Hotel rooms aren’t cheap. According to , the average daily rate for a hotel room in the US was over $125 per night. Accepting cash transactions means that cash will accumulate quickly. It opens a loophole for employees to be tempted to steal. Most hotels accept credit cards only to reduce employee theft or accidental mishandling of funds.

Prevent Robbery

Thieves won’t hesitate to break in and seize the money if they know a hotel is holding large sums of cash. Most hotels prefer credit card payments to limit the amount of cash on hand at any given moment, making them less susceptible to theft from outsiders. In addition, by not holding huge amounts of cash, it increases staff safety.

Fewer Trips To The Bank

As we’ve seen, hotel rooms are pricey, and even a few dozen daily reservations can soon add up to a significant sum of money. So, frequent deposits must be made by employees at the bank. It’s expensive and risky.

Book a Hotel Without a Credit Card Infographic

7 Ways To Book a Hotel or Motel Without a Credit Card?

Does every hotel demand a credit card? At many hotels, credit cards are the only form of payment accepted. This implies that trying to make a hotel reservation without a credit card can be challenging.

What do you do if you’ve chosen to pay cash for everything? It’s one of our Tips for saving money that have a major impact to limit your spending habits, avoid impulse buying, and save money?

Well, there are answers to every difficulty. Although there aren’t many hotels in my area that don’t require a credit card, there is a workaround. This is our guide to finding a inexpensive hotel close to where I am without a credit card:

1. Call Independent Hotels

Major national hotel companies have strict rules about the types of payments that are accepted. For many of them, you’ll need a credit card in order to make an online or in-person reservation for a hotel. You’ll still need a credit card for the final payment after your stay, even though hotels may also accept debit, prepaid, personal, cashier’s, or money order cards. The hotels won’t let you reserve a room without a credit card or a sizable cash payment.

So who says you have to book through pricey, well-known hotel chains? Because of this, our top booking recommendation is to take into account independent, boutique, and non-chain hotels.

There are a lot of tiny hotels that are family-run and independent of any major chains. Small hotels may have more flexible booking regulations than large hotels. They might be more than happy to reserve a place for you without a credit card if you contact ahead of time.

It’s one of the tactics they employ to compete with their major rivals. Because your company is their main source of income, independent motels will break the rules to get your business.

Little hotels have developed into hidden jewels as well. Don’t ignore them just because they are straightforward.

2. Ask For A Room Courtesy Hold

Another way to book a hotel room without a credit card or any payment method is to ask for a room courtesy hold. When a hotel grants you a “courtesy hold,” the need to have a credit card or pay a deposit at the time of booking is waived; the room is held for a limited amount of time until you arrive. Upon arrival, you pay with one of the approved payment methods such as credit or debit card, cash, or check.

But before you get too enthusiastic, be aware that these days, courtesy holds are becoming less common. That might only be feasible for loyal and dependable consumers. Asking never hurts!

3. Use Your Debit Card

Have you got a debit card with the Visa or MasterCard logo on it? The hotel can then be reserved without a credit card. The majority of hotels and motels let customers reserve rooms using debit cards. The reason for this is that most reservation systems treat debit card numbers the same way they treat standard credit card numbers, allowing you to complete the booking procedure without any issues.

You can also process debit as credit. Don’t use a pin when using your debit card., just like you would a normal credit card. Ensure that you have sufficient funds in your checking account when booking and let the hotel representative know that you are using a debit card to reserve the room.

The majority of reservation systems, though, do not accept Maestro or VPay debit cards.

4. Get a Secure Credit Card

Bad or no credit history is the #1 reason why nearly don’t have credit cards. There’s a way out: consider getting a secured credit card.

A secured credit card: what is it?

It’s a particular kind of credit card where you pay the card issuer a refundable security deposit equivalent to the credit limit of the card. It’s typical of those with poor or no credit. Your monthly bill is secured by the deposit. The bank may take money right out of the deposit if you don’t pay.

Using a secured credit card is a great option if you don’t have or have terrible credit if you want to book a hotel without a credit card. A secured credit card functions the same as a conventional credit card, with the exception of the security deposit. Secured credit card payments are completely invisible to hotels compared to regular credit card payments.

In addition to making hotel reservations without using a credit card, secured credit cards assist you in raising your credit score. Financial organizations may eventually view you as a good risk as a result of the fact that you are able to establish credit as a result of the payments being reported to the credit bureau.

5. Find Hotels That Take Cash

Luckily, there are still some hotels accepting cash, but with restrictions. Unlike large hotel chains, calling small “mom and pop” hotels and motels to reserve a room may work for you.

A preferable plan of action is to pay a cash deposit in person that covers multiple days of your stay. Pay a further deposit to cover any unforeseen expenses, such as room service, pay-per-view movies, minibar fees, and more.

To save some money on room service, see our guide on utilizing cash to pay for food delivery.

What are the dangers of paying cash at a hotel?

  • Increased risk of loss or theft: Roaming around with a large amount of cash makes your hard-earned money more susceptible to loss or theft. If any of these happens, your trip can turn into a nightmare of difficulties. You better deposit that cash in your checking account and consider using a Chipped debit/credit card to reverse a hotel room.
  • Unfavorable hotel’s refund policy: Scrutinize a hotel’s refund policy before you make a considerable cash deposit. If something happens and you want your cash back, you might be hit with surprise fees. Some hotels may make it difficult to get your cash back and require you to spend it all vs. a refund. But if you use a credit card, you can easily initiate a chargeback.

6. Use Travel Sites That Accept PayPal

PayPal is a mainstay of online payment methods. The platform processes over in 2020!  Some of the transactions are people booking hotels for holidays and vacations. You can do it, too.

Here is the catch: Not so many hotels accept PayPal as a direct form of payment, but you can book the same hotels online via booking sites like , , and that allow you to check out using PayPal.

If you are wondering how to book a hotel without a credit card online, PayPal is your remedy. Even if you have a credit card, giving your card details to every site is a major online security risk. When you link your cards to PayPal, you can book hotels securely on travel sites without ever having to give out your bank details. Just and link it to your checking account.

What Travel Sites Accept PayPal?

Visit any of the following travel websites that accept PayPal after setting up your PayPal account and integrating your cards to make a hotel reservation without using a credit card.

7. Contact The Hotel

Call ahead and describe your situation to find hotels that accept credit cardless reservations. Many hotels that accept cash will be accommodating and hold a room for you if you pay with a direct deposit or another form of payment when you arrive. If you pay a deposit up before, small motels may be even friendlier and more willing to accept you without a credit card.

Make contact with the hotel you want to stay at and go over your payment choices. Make it clear that you’re willing to pay a direct deposit up front to book a room without a credit card. You’ll be shocked to learn how accommodating and friendly some businesses can be to win your patronage.

Can You Book a Hotel Room With a Visa Gift Card?

Unfortunately, you can’t book a hotel room with a Visa Gift Card, active gift card for American Express, personal check, cash, money order, or prepaid cards at most hotels. The obvious reason is that Visa Gift Cards and other forms of prepaid cards aren’t registered in anyone’s name.

That means hotels have no way of matching your personal details to the payment method because anyone can purchase gift cards. It’s also hard to know if the card has enough money to cover the hotel bill and all the other charges incurred during your stay.

If you want to book a hotel room without a credit card, your best bet is to use a credit card or one of the approaches we’ve discussed above. Once your accommodation has been reserved, you can pay the bill at check-in or checkout with a Visa Gift Card, prepaid card, debit card, or cash.

Can You Use Someone Else’s Credit Card as Security?

When you want to make a hotel reservation without a credit card, it’s uncommon, but in some exceptional circumstances, hotels will let you use someone else’s credit card as security. This should only be utilized as a last resort, especially if your preferred hotel has declined to accept a cash deposit or debit card as security. If the balance on your debit or credit card isn’t enough to cover the hold, you can also choose this approach.

In such circumstances, some hotels might let you use a credit card as security from a spouse, friend, or family member. Once you have submitted the necessary papers, the hotel will allow you to make a reservation using someone else’s credit card.

They may accept someone else’s credit card as security, but they won’t accept an outside check.

Does Your Credit Card Get Charged When You Book a Hotel?

Despite the fact that the majority of hotels ask you to use a pre-authorized credit card to make bookings, your card won’t be charged until you check in or out. The card is just needed to guarantee payment and security for any unforeseen costs you could incur while there.

Your bill doesn’t even have to be charged on your credit card. You can pay with a different payment method accepted at the hotel like cash, debit card, check, or prepaid gift cards. For instance, most only require a valid credit card number to hold the room, but your card will only be charged at check-in.

Different significant hotel brands have different check-in and booking procedures. According to the property’s billing procedures, your card will be debited at a certain time. For instance, Hyatt hotels have a number of locations with various policies depending on the location.

But when you book a reservation through online travel sites, your card gets charged immediately at the time of booking. For instance, third-party websites like or may require you to pay in full at the time of reservation. It also applies to discounted room rates whose payments are non-refundable.

How To Book Hotel Without Credit Card Summary

The majority of hotels only take credit cards as payment. While a credit card is typically necessary to make a hotel reservation, there are workarounds. A cash-only or unbanked lifestyle would not be able to travel if there was no method.

Remember to bring a pre-authorized credit card, debit card, or a government-issued photo ID after you’ve successfully booked your hotel via online travel sites likeExpedia or found an independent motel chain. The front desk will use your ID to verify you’re not trying to make use of a credit card that has been stolen. It will help make check-in much easier.

Additional Considerations When Paying For a Hotel Room

Hotel stays are typical for the modern person, whether they are traveling with their family or for self-care. It should be enjoyable and cost-effective to spend time with yourself or your family.

Yet, if you shop carelessly, you’ll find a ton of surprises in your receipts, from complicated cancellation terms to hidden fees or incidental deposits.

Before you pay your bill, keep the following things in mind:

Ask About Hotel Reservation Policies

It is not advised to travel without making hotel reservations. It’s essential to review the hotel’s reservation policies before making a reservation. Hotels typically accept two different types of reservations: confirmed reservations and guaranteed reservations.

The front desk staff will request your credit card information to complete a stay payment of at least one night for confirmed reservations. Notwithstanding late check-ins, this reservation will keep your room reserved. Your credit card will be charged for the unused accommodation if you fail to check in on time.

Giving your credit card information is not required for confirmed reservations, however, as the hotel agrees to reserve a room for you for a predetermined amount of time. The catch is that the hotel will not hold your room if you don’t check in during the designated time period even though you won’t be charged. Simply put, that suggests that you might not have a room.

Shop Around

Finding the best package for your vacation is crucial. The best course of action is to make phone calls to many hotels in and near your trip and ask important questions about the approved payment methods.

You’ll be preventing any unnecessary costs in this way. If you’re adamant that you won’t use a credit card to make a purchase, let the hotel know and request an alternative method of payment. Additionally, it wouldn’t hurt to inquire about their use of your information.

Sensitive Information

Online payments are without a doubt one of the best things about modern life. The world now runs on technology. Although it seems handy, if you are not careful with your online purchases, it might cost you dearly.

If the hotel of your choice only accepts credit cards, be sure to enquire about all the security precautions the hotel has done while handling your credit card information.

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