Yes, the Hilton Honors American Express Card is a credit card. The Hilton Credit Card is issued by American Express, works wherever American Express is accepted, reports to the credit bureaus, and allows you to pay off purchases over time. There are quite a few important things to know about the card before you apply, though.
Key Facts About the Hilton Credit Card
Issuer: American Express
Network: American Express
Credit requirement: Good credit
Annual fee: $0
APR: 20.49% - 29.49% (V)
Foreign transaction fee: 0%
Rewards: 3 - 7 points per $1
To sum things up, Hilton Credit Card is a credit card, but it may or may not be the best credit card for you depending on your needs, qualifications and spending habits.
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.
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.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.