The terms and conditions for Premier Inn and Travelodge are slightly different. I did check because I don't have any photo ID. I have never been asked for any form of ID in either, just the name on the booking, my postcode or similar. A friend was once asked for ID somewhere (might have been PI, TL or one of the others) but just replied 'I don't drive, I live in the UK and am travelling in the UK why on earth would I carry my passport around with me'.
There are ID requirements if you are / look under 18, if someone else booked on your behalf or if you haven't paid in advance. The most flexible of the Premier Inn rates allows you to pay on the day.
Travelodge is the better of the two because I can comply with condition 10. No way could I be considered as looking under 18 (so 8 dealt with), I don't pay on arrival (so 9 dealt with) and I have the card used to make the booking with me.
Regarding card expiry, as someone mentioned above that their card had expired between booking and staying, it is perhaps best to have two cards with different expiry dates and just book accordingly. I think it wise to have two cards / accounts in case the bank does a Farage on you and closes your account at short notice, or more likely you lose a card or it stops working etc.
Travelodge terms extract:
8. You must be aged 18 years or over to make a booking with us and you must be aged 18 years or over to stay alone. If a guest arrives at the hotel and is under 18 years of age the guest will not be permitted to stay alone. We may require photo identification (a driver’s licence or passport) as proof of age and if the guest is unable to present this to the satisfaction of the hotel we may terminate your booking without refund.
9. You must be able to show photo identification (a driver’s licence, passport or national ID card) and a valid credit or debit card if you are paying by cash for a pay on arrival or walk-in booking at a Travelodge hotel. If you are unable to produce this to the satisfaction of the hotel we may terminate your booking without refund.
10. You must be able to show photo identification (a driver’s licence, passport or national ID card) or the credit or debit card used to make your booking if requested by Travelodge at any time. If you are unable to produce this to the satisfaction of the hotel we may terminate your booking without refund.