Hilton Honors Card

 

Advertiser Disclosure

Hilton Honors Card
  • Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
  • Balance Transfer 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
  • 7X Hilton Honors points on Hilton purchases
  • 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 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
Add cards to start comparing.

Checking-In to the Hilton Honors Card 

The Hilton Honors Card is an impressive hotel rewards card for those who prefer to stay at Hilton Hotels. The Hilton family of properties encompasses will over 1,000 hotels and resorts around the globe and the Honors Card earns impressive points at all of them – for no annual fee. Cardholders earn 7x points per dollar for purchases with Hilton, 5x points on select categories (including gas and groceries in the U.S.), and 3x points per dollar for everything else. New accounts are also treated to 95,000 bonus points when they use their card to make $1,000 in purchases in the first three months. 

How it Works 

Earning Points: 

  • Earn 7x Points with Hilton Stays: Cardholders earn 7x Hilton Honors points per dollar when they use their card to book stays at eligible Hilton properties around the globe. 
  • Earn 5x Points in Certain CategoriesCardholders earn 5x points per dollar for purchases at U.S. restaurants, U.S. supermarkets, or U.S. gas stations. 
  • Earn 3x Points on Everything Else: Cardholders earn 3x points per dollar on every other purchase with their card. 

Redeeming Points: 

  • Redeem on Hilton Stays: The easiest method of point redemption with the Honors Card is by booking free nights with eligible Hilton properties around the world.
  • Partial Redemption for Cash Bookings: Honors points are also applicable towards part of the total cost of a Hilton stay. 
  • Redeem On Hilton Honors Experiences: Rewards points earned through the Hilton Honors Card are also applicable to unique Hilton Experiences.  
  • Transfer Points to Frequent Flyer Programs: Hilton Honors members have a great perk in the ability to transfer their points to 30 frequent flyer programs.  

Today’s Bonus Offer 

New cardholders earn an impressive 95,000 bonus points when they use their card to make at least $1,000 in purchases within the first three months of opening an account.  

Getting Under the Sheets with the Hilton Honors Card 

  • Annual Fee: The Honors card features no annual fee.  

Hotel Perks: 

  • Complimentary Hilton Honors Silver Status: Hilton Honors AMEX Cardholders receive complimentary Silver status with their card membership. Silver status entitles members to free in-room Wi-Fi, 20% increased points on Hilton stays, late check-out, and a second guest staying free. 

Cardholder Protections: 

  • AMEX Global Assistance: Cardholders also receive 24/7 access to AMEX’s Global Assistance hotline, providing emergency, legal, financial, and other coordination and advice when travel takes them more than 100 miles from home. 
  • Extended Warranty CoverageCardholders receive an additional two years of warranty for purchases with a U.S. manufacturer warranty of fewer than five years. 
  • Car Rental Insurance: American Express offers cardholders rental, loss, and damage insurance when they use their AMEX card to book their entire car rental. 
  • Travel Accident Insurance: AMEX provides coverage for injuries, dismemberment, or accidental death when traveling.  
  • Fraud Protection: Honors Cardholders never have to worry about fraudulent purchases on their account thanks to AMEX fraud protections.

“Suite” Perks That Make the Hilton Honors Card Worthwhile: 

  • 95,000 Bonus Points Offer: 95,000 bonus points for just $1,000 in spending within the first 90 days isn’t a bad perk – especially when you consider 95,000 points has a cash equivalent of around $560. 
  • Complimentary Silver Status: Silver status with the Hilton Honors program might not be the greatest, but for a card with no annual fee, it is a very nice perk indeed. Silver status provides 20% additional points earning on Hilton stays, complimentary in-room and in-hotel Wi-Fi, and late check-out – not bad for a “free” card. 

“Reservations” About the Hilton Honors Card 

  • None, really: The Honors Card offers surprising value for money, meaning even no free nights with each bombardment anniversary are more than made up for with no annual fee.

Time to Check-Out 

Overall, the Hilton Honors card offers impressive value for money. While the card is the “starter” of the Hilton Honors American Express Cards, it still provides great points earning potential and a sizable sign-up bonus. New account holders earn 75,000 points when they make just $1,000 in purchases within the first 90 days of opening their account. With regular use, the card earns 7x points per dollar with Hilton purchases; 5x at U.S.- based gas stations, supermarkets, and restaurants; and 3x on everything else.  

The card is further buoyed by complimentary Silver status in the Hilton Honors program, enhanced points earning (20%) on Hilton purchases, and no annual fees or foreign transaction fees. The lack of free nights might be a downside, but for a card that charges no annual fee, it is a nit-pick that likely will – and should – be overlooked. The Hilton Honors Card is an excellent card for the occasional Hilton guest who wants to earn great rewards but doesn’t like paying an annual fee for the privilege.  

 

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.