- 100,000 Hilton Honors Bonus Points welcome offer
- 3 - 7 points per $1 spent
- $0 annual fee
- Automatic Silver status
- High APR
- Low-value points
Hilton Honors Credit Card Review Summary
The Hilton Honors American Express Card is a good credit card for people with good credit or better who want a hotel rewards card with no annual fee. In addition to a $0 annual fee, the Hilton Honors Amex Card offers 3 - 7 Hilton Honors Bonus Points per $1 spent on purchases and a valuable initial bonus offer, making the card easily worthwhile. Plus, cardholders automatically get Silver status in the Hilton Honors loyalty program.
This card is not perfect, however. One downside is that Hilton points are only worth 0.58 cents apiece, on average. Another negative is the card’s high interest rate. But you can avoid interest charges by paying your bill in full every month, and you can still save a lot of money with rewards.
Below, you can find more information to help you decide whether or not to apply for the Hilton Honors Amex Card.
- Earn 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and 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 your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
- Terms Apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- No Annual Fee.
- More Details & Reviews About Hilton Honors American Express Card
Hilton Honors Credit Card Highlights
100,000 points as an initial bonus
New cardholders can earn 100,000 Hilton Honors Bonus Points after spending $1,000 in the first 3 months, plus up to $100 in statement credits for purchases made at any of the Hilton family hotels in the first 12 months. Just bear in mind that the bonus points may take 8-16 weeks to post to your account after you qualify.
For context, the average initial bonus among new credit card offers is currently 31,950 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. That works out to a bit more than 4% back, considering the average value of a Hilton Honors point. 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 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 shouldn’t apply for the card solely for these bonus categories.
3 points / $1 spent in non-bonus categories
The 3 points / $1 that you will earn on purchases that don’t qualify for the card’s bonus rewards categories is equivalent to roughly 1.74% cash back. That’s 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 $22 per year cheaper than the average credit card offer, too.
Complimentary Silver status
Hilton Honors Silver status gets you a 15% bonus on the points you earn. You’d have to spend at least four nights in Hilton hotels each year to qualify without the card.
Learn more about the Hilton Honors status levels and benefits.
Hilton Honors Credit Card Lowlights
17.24% - 26.24% (V) APR
The Hilton Honors Credit Card APR is 17.24% - 26.24% (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 13.1%, while the average for good credit is 18.84%.
Needless to say, this card is best if you pay the bill in full by the due date each month. That way, interest charges won’t erode the savings you derive from rewards.
Other Things to Consider About the Hilton Honors Credit Card
700+ credit score required
The Hilton Honors American Express Card requires a minimum of good credit for approval, which means you need a credit score of 700+ to have good approval odds. You can check your credit score for free on WalletHub before applying.
Lots of competition
Several other Hilton credit cards are available. Plus, there are cards tied to other hotels as well as general-purpose travel rewards cards that give great rewards wherever you stay. You can check out WalletHub’s editors’ picks for the best hotel credit cards overall if you’re still undecided.
Hilton Honors Credit Card vs. The Competition
Hilton Honors American Express Card
Capital One VentureOne Rewards Credit Card
Chase Freedom Unlimited®
|Bonus Offer||100,000 points||20,000 miles||N/A|
|Rewards Rate||3 - 7 points / $1||1.25 - 5 miles / $1||1.5 - 5% Cash Back|
|Purchase Intro APR||N/A||0% for 15 months||0% for 15 months|
|Transfer Intro APR||N/A||0% for 15 months|
Transfer Fee: 3%
|0% 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 APR||17.24% - 26.24% (V)||15.24% - 25.24% (V)||15.74% - 24.49% (V)|
|Details, Rates & Fees||Learn More|
Rates & Fees
|Learn More||Learn More|