Pros
- Welcome offer: 100,000 Hilton Honors Bonus Points
- 3 - 7 points per $1 spent
- $0 annual fee
- Complimentary Hilton Honors™ Silver status
Cons
- High APR
- No intro APR on purchases
Hilton Honors American Express Card
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Points for all other eligible purchases on your Card.
- Terms Apply.
Earn 100,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/14/2026.
Rewards Details
- Earn 100,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/14/2026.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Points for all other eligible purchases on your Card.
- Enjoy complimentary Hilton Honors™ Silver Status with your Card. Silver Status gives you a 20% Bonus on Base Points you earn on every stay, plus, you receive the fifth night free when you book a standard room stay with 100% Points.
- Terms Apply.
Additional Info
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- No Annual Fee.
- 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
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 Honors™ 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 card’s APR is 19.99% - 28.99% (V), so interest can quickly wipe out any savings you get from rewards if you don’t 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 100,000 Hilton Honors Bonus Points (ends 1/14/2026).
Since the card has a $0 annual fee, there isn’t 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
100,000 Hilton Honors Bonus Points
New cardholders can earn 100,000 Hilton Honors Bonus Points for spending $2,000 in purchases in the first 6 months (offer ends 1/14/2026). 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 37,069 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 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
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 $26.75 per year cheaper than the average credit card offer, too.
Complimentary Silver status
Hilton Honors™ 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
19.99% - 28.99% (V) APR
The Hilton Honors Credit Card APR is 19.99% - 28.99% (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 17.68%, while the average for good credit is 23.93%.
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
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, it’s a good value for people who don’t 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 don’t want to commit to Hilton.
You can check out WalletHub’s editors’ picks for the best hotel credit cards overall if you’re 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
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate
| rewards rate
| rewards rate
|
bonus offer Earn 100,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/14/2026. | bonus offer LIMITED-TIME OFFER: Earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening - that’s equal to $300 in travel | bonus offer Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening |
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 APR19.99% - 28.99% (V) | Regular APR18.99% - 28.99% (V) | Regular APR18.99% - 28.49% (V) |
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Hilton Honors American Express Card Review Methodology
This Hilton Honors American Express Card review is based on WalletHub’s proprietary 100-point credit card rating system. By using a consistent methodology to evaluate the Hilton Honors American Express Card and all other cards, WalletHub’s 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 metric’s 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 WalletHub’s 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.
WalletHub experts are widely quoted. Contact our media team to schedule an interview.