Hilton credit cards are understandably popular, given Hilton’s position in the hotel market and consumers’ obsession with travel rewards. Hilton is the largest U.S. hotel chain, with properties to meet any budget. And who doesn’t need a vacation? But is a Hilton credit card right for you, and, if so, which one will yield the most free nights? Let’s find out.
There are seven Hilton credit cards: five from American Express and two from Citibank (both WalletHub partners). They differ in terms of cost, features, overall value and availability. So WalletHub analyzed each offer to clarify the tradeoffs between them and help you identify the best Hilton credit card for your wallet.
Credit cards for bad credit help people with credit scores from 300 to 639 rebuild their credit. The best credit cards for bad credit have annual fees as low as $0, and some even give 1% cash back rewards on purchases. Plus, all major credit cards for people with poor credit report account information to the credit bureaus each month (some offers are sponsored). That’s why using the right credit card responsibly is the best way to rebuild damaged credit.
Capital One credit cards are available to people of all credit levels, from bad to excellent. That’s one reason why Capital One (a WalletHub sponsor) is among the market’s most popular credit card companies. And it helps to explain why Capital One's customers are some of the most satisfied. The fact that the best Capital One cards tend to be among the best offers from any issuer doesn’t hurt, either. Neither do the company’s star-studded advertisements or its history helping to pioneer the mass marketing of credit cards in the early '90s.
Using a Bank of America student credit card is a great way to save money and begin building credit during college. There are several Bank of America student credit card offers to choose from, and none of them charge annual fees. Yet all are available to college students, even those with no credit history. Most BofA student credit cards also offer rewards on every purchase, 0% APRs or both. And perhaps most importantly, all of these cards will report account information to the major credit bureaus on a monthly basis. Basically, that means you’ll build credit if you pay your monthly bills on time.
Credit cards for students with bad credit make it possible to build positive credit history at a low cost. Very few student credit cards accept applicants with bad credit scores, usually requiring limited credit or better for approval. But there are other credit cards for students with bad credit to use instead – most notably, secured credit cards. Secured cards tend to have low fees, and the refundable security deposit you must place doubles as your credit limit, ensuring you won’t get in over your head (some cards are from WalletHub partners). Unsecured cards for bad credit tend to be far more expensive in the long run.
Business credit cards for fair credit are best for small business owners with credit scores of 640 to 699. Only a few business credit cards for fair credit tend to be available at any given time, however. Most business credit cards require good credit or excellent credit for approval. You can check your latest credit score for free on WalletHub to get a sense of your approval odds (some cards are from our partners). But you may want to consider general-purpose credit cards for people with fair credit in addition to the fair-credit business cards listed below.
A Visa rewards card would be a great addition to most wallets, as such a card allows you to make purchases pretty much anywhere in the world that takes plastic and earn points, miles or cash back in the process. But there’s a lot of variety among Visa rewards credit cards (some of which are issued by WalletHub partners), so it’s important to choose carefully. For starters, Visa rewards cards are issued by lots of different credit card companies. That’s because Visa is a card network, which means it dictates where a card can be used rather than actually issuing the card and managing the account. It’s actually one of only two truly global card networks, along with Mastercard, allowing you to make purchases in over 200 countries and territories. Visa rewards credit cards also differ in terms of rewards currency (points, miles or cash), credit score requirements, fees, interest rates and secondary benefits.
A free credit card is an offer with no annual, monthly or one-time membership fees. Some free credit cards also have 0% intro APRs, no balance-transfer fee and/or no foreign-transaction fee. However, none of the cards listed below (some of which are from WalletHub partners) will be completely free if used irresponsibly. For example, if you carry a balance from month to month, you’ll still have to pay interest (unless there’s a 0% intro APR).
American Express credit cards account for nearly one-quarter of all U.S. credit card spending – more than any other issuer. Amex (a WalletHub partner) has built this lead thanks to a reputation for strong customer service and attractive rewards. It's also one of just a few credit card companies that offer charge cards. But an American Express credit card isn't for everyone. For starters, you need good or excellent credit to get one. Plus, not as many merchants will accept an Amex credit card as a Visa or Mastercard, especially outside of the United States.
Capital One Visa credit cards include some of the best offers on the market, and there’s little wonder why. Capital One (a WalletHub partner) is the fifth largest U.S. credit card issuer, offering cards with great rewards, rates and fees to people of all credit levels. And Visa is one of only two card networks, along with Mastercard, that offer truly worldwide acceptance. That combination can help you save up to 9% on currency conversion, since none of Capital One’s credit cards charge foreign transaction fees. But there are many different Capital One Visa cards. So it’s important that you both check your latest credit score and consider what features you want before submitting an application.
Capital One (a WalletHub sponsor) issues cards on both the VISA and Mastercard networks. Both types of cards can be used virtually anywhere in the world that accepts plastic. And all Capital One credit cards offer some unique benefits: no foreign fees, free card personalization with an image of your choice, etc. But Capital One Mastercard credit cards differ in many ways, too. Each has its own minimum credit score requirement, for one thing. They also have different rewards, rates and fees. So to help point you in the right direction, WalletHub’s editors picked their favorites in the most popular categories.
No annual fee credit cards are cards with $0 yearly membership fees and no monthly maintenance fees. Roughly 9 in 10 credit cards have no annual fee, including cards with rewards, 0% APRs, no foreign transaction fee and more. No annual fee credit card offers are also available to people across the creditworthiness spectrum, from bad credit to excellent credit (some cards are from WalletHub partners). Plus, the fact that so many credit cards with no annual fee are available helps to explain why the average annual fee among all credit cards is just $16, despite many cards charging $100+ per year.
Credit cards for fair credit are best for people with credit scores from 640 to 699 who are either building credit from scratch or rebuilding their credit after mistakes. You need at least 3 years of experience using a credit card responsibly to get most fair-credit credit cards. And all major credit cards for people with fair credit report account information to the credit bureaus monthly (some cards are from WalletHub partners). That allows you to improve your credit score, as long as you pay the bills on time.
Rewards credit cards provide a wide range of perks (some cards are from WalletHub partners). This includes cash back, points or miles on every purchase, plus extra benefits such as airport lounge access and travel insurance. That’s why the right rewards card can help you save hundreds of dollars per year. When it comes to choosing between rewards credit cards, we typically recommend cash back credit cards for everyday spending. But frequent flyers and hotel-goers can score some big-time rewards by using one of the best travel credit cards. If you’d like a specific recommendation, you can check out WalletHub’s favorite rewards cards below.
Below you will find rewards credit cards for people with no or limited credit (some of the offers are issued by WalletHub advertising partners). While members of this consumer segment lack extensive track records of responsible use, they also have not damaged their credit and are therefore offered decent rewards simply because they have the potential to become long-term revenue-generating clients for banks. Still, rewards credit cards for people with no credit usually have annual fees, and while the benefit of these cards might very well be worth the extra cost, you should at least consider no annual fee credit cards for people with limited credit as well. With that in mind, you can use the filters on the left to personalize your search for a no credit rewards card or expand your search to include other types of credit cards for no or limited credit before ultimately submitting an application online.
The best cash back credit cards are perfect for everyday spending, offering hundreds of dollars in savings each year by giving you a permanent discount everywhere you shop. In other words, everything’s on sale when you have one of the best cash rewards credit cards (some offers are from WalletHub’s partners). Some of the top cards offer big cash bonuses for spending a certain amount in the first few months. Others give you extra cash back in specified spending categories. And all are far more rewarding than the average cash back card, which offers about 1% back on all purchases.
Below, you can check out the best cash back credit cards available right now. WalletHub’s editors selected them from 1,000+ offers based on their cash-back earning rates, initial bonuses and fees. Advertising status played no role, though certain sponsored offers may be included.
Balance transfer credit cards reduce the cost of existing credit card debt by allowing consumers to transfer part of their balance to a new card with a lower interest rate. The average balance transfer credit card has a 0% APR for 12 months, with a 3% balance transfer fee and a $0 annual fee. The purpose of a balance transfer is to save money while getting out of debt sooner. And there plenty of balance transfer credit card deals up to the challenge (some cards are from WalletHub partners).
A 0% APR credit card means that you pay no interest on purchases for a certain number of months after opening an account. The average 0% credit card has a 0% APR for 11 months, a $0 annual fee and an 18.74% regular APR. After a 0% credit card’s interest-free period ends, the card’s regular APR applies to the remaining balance, if any (some cards are from WalletHub partners).
If you’re using a small business credit card to finance companies purchases, make sure it’s a 0% business credit card. But the best tool for the job is probably a general-consumer 0% credit card. Credit cards with 0% intro APRs are preferable because most cards charge high regular rates. And consumer cards are better suited to financing because they have extra user protections. Credit card companies can raise the interest rate applicable to a business credit card balance at any time. That’s not the case with general-consumer cards. Either way, your goal should be to find the longest possible 0% intro term and then repay what you owe before regular rates take effect. WalletHub’s payoff calculator will help with that. And you can compare the available offers below (some of which are issued by WalletHub partners) to find the right terms for your needs. Please note that if you have existing credit card debt, 0% balance transfer business credit cards are listed separately.