Yes, a 36% APR is high for a credit card, as it is above the average APR for new credit card offers. Credit card APRs can be much lower, and some cards offer an introductory 0% APR for a certain number of months, which can save you a lot of money.

Keep in mind that your 36% APR should apply only when you carry a balance from month to month. If you pay off your full balance by the due date each month, you won't accrue interest on any of your purchases on most credit cards, because there is a grace period between when your billing period closes and your due date. So, if you plan to pay in full monthly, you don't need to worry about the APR and can focus on other features such as rewards.

If you want to learn more about APRs, what a good interest rate is, and the best credit card rates, you can do it right here on WalletHub. If you want to apply for a credit card, you can compare the best credit cards handpicked by WalletHub's editors.

You typically need good credit or better to have a shot at getting approved for the Hilton Credit Card. You can check your credit score for free here on WalletHub to see if you qualify.

Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Hilton Credit Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status,...

The best Hilton Credit Card benefits are rental car insurance and extended warranty. The Hilton Honors American Express Card also has lowest hotel rates guarantee and purchase protection, which are more common perks across American Express credit cards.

Hilton Credit Card Benefits

• Rental car insurance*
• Extended warranty*
• Lowest hotel rates guarantee
• Purchase protection*
• Fraud protection
• Global Assist (an emergency card assistance hotline)*
• Instant Card Number

In addition to these benefits, the Hilton Credit Card...

There is no disclosed starting credit limit for the Hilton Credit Card. For the most part, Hilton Credit Card credit limits depend on each applicant's overall creditworthiness. People with the most income and the best credit scores are generally offered the highest starting credit limits.

That said, the Hilton Credit Card credit limit that you receive upon approval isn't necessarily your credit line forever. You can ask to get a credit limit increase by calling the American Express customer service number on the back of your card,...

Yes, the Hilton Credit Card does have pre-approval. American Express has an online pre-approval page where potential applicants can quickly check their odds of approval for certain American Express credit cards before they actually apply for one. Current American Express customers may also receive pre-approved offers periodically by e-mail or when logging into their card's online account. And in some cases, American Express will send people pre-approved offers for a specific credit card in the mail.

Getting...

No, the Hilton Credit Card 75,000-point bonus offer is no longer available, but the Hilton Credit Card now offers 100,000 Hilton Honors Bonus Points and a $100 statement credit for spending $2,000 on eligible purchases in the first 6 months (offer ends 7/29/26). That makes for a pretty good deal, especially considering the Hilton Credit Card's $0 annual fee.

The value of the Hilton Credit Card bonus offer will vary based on the location and level of property you redeem it for, the length of your stay, among other factors. Once a cardholder meets the spending requirement, they should see the bonus points in their...

You can make a Hilton Honors American Express Card payment online, by phone, through the American Express mobile app or by mail. To pay a Hilton Credit Card bill online, log in to your online account and click on "Make Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. American Express does allow cardholders to set up automatic payments, too.

Ways to Make a Hilton Credit Card Payment

• Online. Log in to your online...

Your Hilton Credit Card approval odds might be good if you have good credit or better. Approval odds for the Hilton Credit Card will also be influenced by your annual income and existing debts, among others. Applicants will need to be 18+ years old with a U.S. mailing address and an SSN or ITIN, as well. Approval is never guaranteed, though. 

What You Need for Good Hilton Credit Card Approval Odds

• Good credit or better
• Enough income...

The minimum requirements for the Hilton Credit Card typically include being at least 18 years old, having good credit or better, and earning enough income to afford monthly bill payments. You also need to have a Social Security number or International Tax Identification Number.

Minimum Hilton Credit Card Requirements

• Enough income to make the monthly minimum payment
• Good credit or better 
• 18+ years old
• Social Security number or International Tax Identification Number
• ...

No, the Hilton Honors American Express Card is not easy to get approved for. In addition to enough income for monthly bill payments, the Hilton Credit Card requires you to have good credit or better.

The Hilton Credit Card is a solid hotel rewards credit card if you do get approved. You can earn 3 - 7 points per $1 spent on your purchases, in addition to an initial bonus of 100,000 Hilton Honors Bonus Points and a $100 statement credit for spending $2,000 on eligible purchases in the first 6 months (offer ends 7/29/26).

It's also important to note that all of the Hilton credit cards have very similar credit...