Is the Hilton Card a credit card?

No, Hilton Honors is not a credit card. Hilton Honors is the name of the loyalty rewards program for the Hilton hotel chain. However, there are several co-branded credit cards that have Hilton Honors in their name. Those include the Hilton Honors American Express Card, the Hilton Honors Aspire Credit Card, and Hilton Honors American Express Surpass® Card, among others.

What you should know about the Hilton Honors program:... read full answer

• How the program works: The Hilton Honors program offers different levels of benefits depending on how often you stay at Hilton properties around the world and how much you spend with your Hilton credit card.
• Benefits offered: Free WiFi, digital check-in and check-out and room discount rates are some of the benefits you will enjoy, even by just registering as a free member.
• Levels of benefits: There are 4 different status levels: Member, Silver, Gold, and Diamond.
• Points Expiration: Points expire after 24 months of account inactivity.

It is worth noting that certain Hilton credit cards offer complimentary Silver, Gold, or Diamond status. So, if you’re interested in participating in the Hilton Honors program, applying for one of their co-branded cards might be best option. That’s because you’ll have access to certain benefits just by being a cardholder.

Best Hilton Credit Cards in 2023

It is worth noting that all these credit cards require at least good credit for approval. So, make sure you know where you stand before applying. You can check your credit score for free, right here on WalletHub.

The Hilton Honors American Express Card is not a Visa or a Mastercard – it is on the American Express network. This means the Hilton Credit Card has a bit less worldwide acceptance than a Visa or a Mastercard but should still be usable at most merchants within the U.S.

In general, it doesn’t matter much what network your credit card is on unless you’re focusing specifically on international travel. In that case, you’re best served by getting a Visa or Mastercard credit card with no foreign transaction fees. But for all other purposes, all four major credit card networks have comparable benefits and card offers. It’s best to compare individual cards on a case-by-case basis rather than focusing on a specific network.... read full answer

No, the Hilton Credit Card isn’t a charge card. You can carry a balance on it between months, even though it’s not advised, considering the interest charges.