American Express

American Express is one of the world’s largest credit card issuers and arguably the most well-known remaining provider of charge cards. Amex’s hotel credit card products are luxurious on rewards and target customers with excellent credit histories. Browse a selection of American Express hotel rewards cards from our partners below:

 

Advertiser Disclosure

Hilton Honors American Express Aspire Card
  • Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $450
  • Credit Needed Excellent
  • Processing Network American Express
Best Benefits
  • 14X points for Hilton hotels and resorts
  • 7X points on flights booked directly with airlines or through amextravel.com, ca
  • 7X points on car rentals booked directly from select car rental companies
  • 7X points at US restaurants
  • 3X points on all other purchases
  • Complimentary Diamond Status in the Hilton Honors rewards program
  • Anniversary bonus of one weekend night
  • Earn additional weekend night reward after spending $60,000 within calendar year
  • $250 Hilton resort statement credit
Rates & Fees
  • Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.24% variable based on the Prime Rate
  • Annual Fee: $450
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Hilton Honors American Express Business Card
  • Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card within the first 3 months
  • Complimentary Hilton Honors Gold status
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply
  • Free Weekend Night Reward after spend $15,000 within calendar year
  • Second Weekend Night Reward from Hilton Honors after spending $60,000 within calendar year
  • 10 free visits to over 1,000 Priority Pass airport lounges every year
  • Spend $40,000 to be upgraded to Diamond status
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.24% variable based on the Prime Rate
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $39
Hilton Honors American Express Surpass® Card
  • Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio
  • 6X Hilton Honors points per $1 spent on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
  • 3X Hilton Honors points on all eligible purchases
  • Complimentary Gold status with your card
  • Free Weekend Night Reward after spending $15,000 on your card in a calendar year
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.24% variable based on the Prime Rate
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Hilton Honors Card
  • Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio
  • 5X Hilton Honors points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
  • 3X Hilton Honors points on all other eligible purchases
  • Complimentary Hilton Honors Silver status
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.24% variable based on the Prime Rate
  • Annual Fee: None
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Marriott Bonvoy Brilliant™ American Express® Card
  • Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $450
  • Credit Needed Excellent
  • Processing Network American Express
Best Benefits
  • 6X Marriott Bonvoy points on direct purchases at participating Marriott Bonvoy hotels
  • 3X points on purchases at U.S. restaurants and flights booked directly with airlines
  • 2X points on all other eligible purchases
  • Free Night Award each year on account anniversary
  • Complimentary Marriott Bonvoy Gold Elite status
  • Annual $300 statement for eligible purchases at participating Marriott Bonvoy hotels
  • Priority Pass Select membership
  • $100 statement credit for Global Entry or $85 credit for TSA Pre Check
Rates & Fees
  • Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: Up to 29.24% variable based on the Prime Rate
  • Annual Fee: $450
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Marriott Bonvoy Business™ American Express® Card
  • Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $125
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • 6X Marriott Bonvoy Points per $1 at participating Marriott Bonvoy hotels
  • 4X points per $1 at U.S. restaurants, gas stations, wireless telephone services, and on shipping purchases
  • 2X points on all other eligible purchases
  • Complimentary Marriott Bonvoy Silver Elite Status
  • 1 Free Night Award each year after cardmember anniversary
Rates & Fees
  • Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.24% variable based on the Prime Rate
  • Annual Fee: $125
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $39
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Hotel Credit Cards from American Express 

American Express has over 53 million credit cards in circulation in the United States and features some of the most iconic cards in the industry.

It is a unique credit card issuer for the fact that AMEX both issues cards and serves as a payment network (the institutions responsible for processing all electronic transactions and ensuring that merchants are paid).

American Express is also unique for being one of the only major credit card issuers to offer charge cards in addition to traditional credit cards. Charge cards do not allow for a balance to carried over from one month to another – the reason being that charge cards do not actually extend credit. As such, balances must be paid in full every month.

What Credit Score Do I Need for an American Express Hotel Card? 

Offering some of the most premium credit cards in the space, it’s widely recommended that applicants will need a credit score of at least 700 higher.

What to Know Before Applying for an American Express Card

American Express has three noteworthy limitations when it comes to their coveted rewards cards that limit how many cards you can be approved for in a certain period of time and whether you are eligible for the signup bonus.

  • 5 AMEX card limit: Cardholder can only own 5 American Express credit cards at a time whether personal or business accounts. This does not appear to apply to charge cards, however. Those who wish to open a new credit card with them will have to cancel and close an existing credit card.
  •  1-in-5 rule: Applicants can only be approved for one American Express credit card every five days (this does not include charge cards).
  •  2-in-90 rule: Another card limit restriction, this rule stipulates that only two credit cards may be applied and approved for within a 90-day period (also does not apply to charge cards).
  • In terms of signup bonuses, American Express has two written rules to thwart credit card churners and others who intend on gaming the credit card rewards system:
  • Once in a Lifetime Signup Bonus: Card owners can only earn that card’s signup bonus once during their lifetime. Canceling the card and opening the exact same card a few years later will still cause you to be ineligible for that reward.
  • Signup Bonus Clawbacks: American Express retains the right to retroactively withdraw any earnings from a welcome bonus if they feel an applicant is participating in card churning. Some actions that would raise red flags to AMEX are things such as closing the account before the 12-month mark, heavy gift card purchase activity, or peer-to-peer (P2P) payments.

What to Do if Your Application is Denied 

If you haven’t gotten an automatic response from your online application don’t fret. This card issuer is known for having a slight delay in its application statuses and will usually populate within a few minutes after the application has been submitted. To check, simply visit the American Express application status website, enter your social and zip code and select “Check Application”.

In the instance that your status is still pending or has flat-out been denied, you can call the American Express Reconsideration phone number at 800-567-1083 to speak with a live person to make your case. Our advice? Avoid making the signup bonus your primary reason for wanting the card and instead, let them know the reasons why the particular card you’re applying for would provide long-term value to you, whether it’s because you want lounge access, frequently travel abroad, or simply love a particular hotel chain.


Editorial Disclosure
— The opinions expressed on HotelCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, HotelCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.

Advertiser Disclosure: HotelCards is an independent credit card comparison platform. Many of the card offers that appear on this site are from companies from which HotelCards may receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). HotelCards does not include all card companies or all card offers available in the marketplace.

Advertiser Disclosure: HotelCards is an independent credit card comparison platform. Many of the card offers that appear on this site are from companies from which HotelCards may receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). HotelCards does not include all card companies or all card offers available in the marketplace.