## Pros - Great welcome offer - 3 - 7 points per $1 spent - $0 annual fee - Complimentary Hilton Honorsâą Silver status ## Cons - High APR - No intro APR on purchases ##
Hilton Honors American Express Card Sponsored ##
Hilton Honors American Express Card 3.93 out of 5 rating
392 Reviews392 Reviews Apply NowRates & Fees | Terms Apply
Regular APR 19.49% - 28.49% (V)
Annual Fee $0
Rewards Rate i - Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. - Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations. - Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. - Terms Apply. 3 - 7 points / $1
Bonus Offer i Earn 70,000 Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the card in the first 6 months of Card Membership. Offer ends 01/13/2027. 70,000 points
Credit Score Good More Details ### Rewards Details - Earn 70,000 Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the card in the first 6 months of Card Membership. Offer ends 01/13/2027. - Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. - Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations. - Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. - Enjoy complimentary Hilton Honors Silver Status with benefits like a 20% Bonus on Base Points earned on stays, fifth night free on standard room reward stays with 100% Points, and more. - Spend $20,000 in eligible purchases on your Card in a calendar year and you can earn Hilton Honors Gold status through the end of the next calendar year. With Gold status, you can enjoy: An 80% Bonus on Base Points you earn on every stay, Space-available room upgrades at select properties, A daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., and Fifth night free when you book a standard room stay with 100% Points. - Terms Apply. ### Additional Info - No Annual Fee. - No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad. - Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted. -
More Details & Reviews About Hilton Honors American Express Card Hide Details Is the Hilton Credit Card Worth It? The
Hilton Honors American Express Card is worth it if you have good credit or better, you can stay with Hilton when you travel, and you want a $0 annual fee. The Hilton Honors American Express Card offers 3 - 7 points per $1 spent on purchases and has a valuable initial bonus offer. Plus, cardholders automatically get
Hilton Honorsâą Silver Status in the Hilton Honors loyalty program. What You Need to Do to Make the Hilton Credit Card Worthwhile To make the Hilton Honors American Express Card worthwhile, pay your full
statement balance by the due date every month. The cardâs APR is 19.49% - 28.49% (V), so interest can quickly wipe out any savings you get from rewards if you donât pay in full. In addition, to maximize the value of the Hilton Honors American Express Card, you should make sure to spend at least $2,000 in the first 6 months. This will qualify you for an initial bonus of 70,000 Hilton Honors Bonus Points and a Free Night Reward (offer ends 01/13/2027). Since the card has a $0 annual fee, there isnât a certain amount of spending you need to do in a normal year for the card to be worth it. Hilton Honors Credit Card Highlights 70,000 Hilton Honors Bonus Points + A Free Night Reward New cardholders can earn 70,000 Hilton Honors Bonus Points and 1 Free Night Reward for spending $2,000 on eligible purchases in the first 6 months (offer ends 01/13/2027). Just bear in mind that the bonus points may take 8-12 weeks to post to your account after you qualify. For context, the average initial bonus among new credit card offers is currently 35,720 points. 7 points / $1 spent with Hilton The Hilton Honors Credit Card gives 7 points / $1 spent directly through hotels and resorts within the Hilton portfolio. Having to spend directly through Hilton also rules out reservations made through third-party booking sites, which is an important caveat to be aware of. 5 points / $1 spent at U.S. gas stations, U.S. restaurants and U.S. supermarkets Every dollar spent with the Hilton Honors Amex on eligible purchases at U.S. gas stations, U.S. restaurants and U.S. supermarkets earns you 5 points. This is an above-average earning rate, but you have to redeem for Hilton reservations to get the best value for your points. As a result, people who never travel shouldnât apply for the card solely for these bonus categories. 3 points / $1 spent in non-bonus categories Thatâs an above-average base earning rate for a rewards card. $0 annual fee The Hilton Honors American Express Card is the cheapest Hilton credit card to own. All the other options have annual fees. The Hilton Honors Amex is about $29.67 per year cheaper than the average credit card offer, too. Complimentary Silver status Hilton Honorsâą Silver Status gets you a 20% bonus on the points you earn on every stay, plus, you receive the fifth night free when you book a standard room stay with 100% points. Learn more about the
Hilton Honors status levels and benefits. Hilton Honors Credit Card Lowlights 19.49% - 28.49% (V) APR The Hilton Honors Credit Card APR is 19.49% - 28.49% (V). The exact rate you receive will depend on your overall creditworthiness, but it will likely be above-average in any case. Among new credit card offers, the average APR for people with excellent credit is just 17.09%, while the average for good credit is 23.28%. Needless to say, this card is best if you pay the bill in full by the due date each month. That way, interest charges wonât erode the savings you derive from rewards. Other Things to Consider About the Hilton Honors Credit Card Good credit recommended The Hilton Honors American Express Card is aimed at people with good credit or better. You can check your credit score for free on WalletHub before applying. Lots of competition Several other
Hilton credit cards are available, for one thing. Compared to the other Hilton credit cards, the Hilton Honors American Express Card has a lower annual fee, a smaller initial bonus offer, and lower ongoing rewards rates. Still, itâs a good value for people who donât travel or spend enough to justify paying extra for better perks. In addition to Hilton-branded credit cards, there are cards tied to other hotels as well as
general-purpose travel rewards cards that give great rewards wherever you stay. Such cards are preferable if you donât want to commit to Hilton. You can check out WalletHubâs editorsâ picks for the best hotel credit cards overall if youâre still undecided. You can also see how the Hilton Honors American Express Card compares to some popular alternatives below. Hilton Honors Credit Card vs. The Competition |
Hilton Honors American Express Card |
Capital One VentureOne Rewards Credit Card |
Chase Freedom UnlimitedÂź | | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | 4.1WalletHub Rating WalletHub Rating 4.1 This card has been scored using WalletHubâs proprietary
credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editorâs Rating 4.3 User Reviews 3.9 Market Comparison 4.1 fees: 5.0 rewards: 3.5 cost: 4.5 Other Features: 0.0 | 4.2WalletHub Rating WalletHub Rating 4.2 This card has been scored using WalletHubâs proprietary
credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editorâs Rating 4.4 User Reviews 3.5 Market Comparison 4.3 fees: 5.0 rewards: 5.0 cost: 4.3 APR: 3.8 | 4.2WalletHub Rating WalletHub Rating 4.2 This card has been scored using WalletHubâs proprietary
credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editorâs Rating 5.0 User Reviews 3.6 Market Comparison 4.2 fees: 3.8 rewards: 4.3 cost: 4.6 Other Features: 0.0 | | (392) | (5,369) | (926) | | annual fee$0 | annual fee$0 | annual fee$0 | | rewards rate Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Terms Apply.3 - 7 points / $1 | rewards rate Earn unlimited 1.25X miles on every purchase, every day Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel1.25 - 5 miles / $1 | rewards rate Enjoy 5% cash back on travel purchased through Chase Travelâ , our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.1.5 - 5% Cash Back | | bonus offer Earn 70,000 Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the card in the first 6 months of Card Membership. Offer ends 01/13/2027.70,000 points | bonus offer Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel20,000 miles | bonus offer Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening$200 | | Purchase Intro APRN/A | Purchase Intro APR0% for 15 months | Purchase Intro APR0% for 15 months | | transfer intro aprN/A | transfer intro apr0% for 15 months Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time | transfer intro apr0% for 15 months Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) | | Regular APR19.49% - 28.49% (V) | Regular APR18.49% - 28.49% (V) | Regular APR18.24% - 27.74% (V) | | Sponsored
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Apply Now Rates & Fees Learn More | Hilton Honors American Express Card Review Methodology [edu-tiles firstvalue="1,500+" firstlabel="Credit Cards Scored" secondvalue="100" secondlabel="Point Rating System" thirdvalue="26" thirdlabel="User Needs Considered" fourthvalue="75,000" fourthlabel="Data Points Tracked"] This Hilton Honors American Express Card review is based on WalletHubâs proprietary
100-point credit card rating system. By using a consistent methodology to evaluate the Hilton Honors American Express Card and all other cards, WalletHubâs credit card experts make it easy for people to compare their options and find the best credit cards for their needs. The WalletHub rating system uses 16 key metrics grouped into seven categories: Fees, Rewards, Two-year Cost, Interest Rates, Approval Requirements, Special Features, and Reviews. Each metric has a maximum number of points allocated to it, based on the metricâs importance as determined by our editors. The points are added up to create an overall rating for the Hilton Honors American Express Card out of a maximum of 100 points, which is then converted to a 5-point scale. Ratings for each category reflect how close Hilton Credit Card is to WalletHubâs definition of a 5-star credit card, which is based on market conditions and what we believe are reasonable terms. We compare Hilton Credit Card to that standard to give a numerical approximation of how reasonable and competitive its terms are compared to other cards. To learn more about how WalletHub rates credit card offers, check out our
full credit card review methodology. ## About the Author ### John S Kiernan John Kiernan has covered the credit card industry for more than 15 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post, Fox News and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau.
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