Hilton Honors American Express Card Review

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ByGrace Pilling
Edited byCasie McCoskey
ByGrace Pilling
Edited byCasie McCoskey

Updated: June 13, 2024

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Hilton Honors American Express Card

Rewards RateEarn 7X Hilton Honors Bonus Points for each dollar...
APR20.99% - 29.99% variable
Annual Fee$0
Recommended Credit670-850 (Good to Excellent)

The Hilton Honors American Express Card is an excellent tool for casual and frequent travelers. This financially savvy card is free of annual fees and offers a substantial welcome bonus. It generously rewards users for stays at Hilton hotels and everyday expenses like restaurants and gas stations in the U.S., enhancing its utility for all kinds of consumers. It negates foreign transaction fees, proving invaluable for international travel. Cardholders also enjoy an immediate upgrade to Hilton's Silver status, with the potential for Gold, elevating your overall travel experience and giving you access to more perks. It's a card that enriches your travel lifestyle while being kind to your wallet.

Hilton Honors American Express Card Overview

When exploring your credit card options, carefully assessing each card's features will help you make the selection that best fits your preferences. The Hilton Honors American Express Card comes with the following highlights:

  • Rewards Rate: 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, 5X Points per dollar at restaurants, supermarkets and gas stations in the U.S. and 3X Points for all other eligible card purchases
  • Welcome Offer: Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
  • Regular APR: 20.99%–29.99% (variable) See rates and fees
  • Annual Fee: $0 See rates and fees
  • Foreign Transaction Fee: None See rates and fees
  • Intro APR Offer: None

Consider how this card complements your lifestyle, as these factors can significantly impact your financial habits and benefits.

Important Card Details

With credit cards, each feature represents a unique blend of benefits and considerations tailored to different consumer needs and lifestyles. Our analysis of the Hilton Honors American Express Card delves into its various attributes, assessing how they align with users' diverse requirements and preferences.

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    Fees

    When assessing a credit card, the first thing to look at is the associated costs — and the Hilton Honors American Express Card shines bright in this department. It boasts no annual fee, which means you're not shelling out yearly just to have it in your wallet. Even better? You can take this card on international adventures without fretting over foreign transaction fees. These savings can make a real difference over time, especially if you're a global wanderer.

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    Rewards

    The Hilton Honors American Express Card is like a goldmine for rewards enthusiasts. Right off the bat, a generous bonus of 70,000 Hilton Honors Points plus a Free Night Reward is up for grabs if you meet the initial spending requirement. Frequent stays at Hilton hotels maximize your benefits, netting you a whopping 7X points per dollar. And it doesn't stop there: restaurants, gas stations or supermarkets purchases in the U.S. earns you a solid 5X points. For all other eligible purchases? You're still pocketing 3X points. This card ensures every dollar spent is a step closer to your next reward.

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    Hilton Benefits

    American Express richly rewards loyalty with this card. From the get-go, cardholders enjoy the privileges of Hilton Honors Silver status — think late check-outs and bonus points. For consumers who want to up the ante, a spending spree of $20,000 in a calendar year will catapult you to the Hilton Honors Gold status realm. This elevated status translates to even more perks like complimentary breakfasts and room upgrades. If Hilton is your go-to for accommodations, this card is your ticket to a more luxurious stay.

How the Hilton Honors American Express Card Compares

In this comparison, we'll examine two popular credit cards side-by-side, dissecting their features and benefits to help you determine which aligns best with your financial goals and spending habits.

How This Card Compares

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Hilton Honors American Express Card

  • Rewards Rate: 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, 5X Points per dollar at restaurants, supermarkets and gas stations in the U.S. and 3X Points for all other eligible card purchases
  • Welcome Offer: Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
  • Regular APR: 20.99%–29.99% (variable) See rates and fees
  • Annual Fee: $0 See rates and fees
  • Foreign Transaction Fee: None See rates and fees
  • Intro APR Offer: None
  • Best For: Loyal Hilton guests and frequent spenders on restaurants, supermarkets and gas stations in the U.S. This card offers significant rewards and a substantial welcome bonus. Still, its high APR makes it less suitable for those carrying a balance.
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Hilton Honors American Express Surpass® Card

  • Rewards Rate: Earn 12 points per dollar on eligible purchases made directly with a hotel or resort within the Hilton portfolio, 6 points per dollar for eligible U.S. restaurant, supermarket and gas station purchases, 4 points for each dollar on U.S. Online Retail Purchases. and 3 points per dollar on other eligible purchases
  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
  • Regular APR: 20.99%–29.99% Variable See rates and fees
  • Annual Fee: $150 See rates and fees
  • Foreign Transaction Fee: None See rates and fees
  • Intro APR Offer: None See rates and fees
  • Best For: Frequent Hilton hotel visitors and regular U.S. restaurant, U.S. supermarket and U.S. gas station spenders. Despite its high APR, it is well-suited for consumers who can offset the annual fee with travel and spending habits.

About Grace Pilling


Grace Pilling headshot

Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.

Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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