Best Hilton Credit Cards April 2021

Best Hilton Credit Cards April 2021

Here are the best Hilton credit cards based on your needs, spending level, and considerations.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

We've analyzed and compared the four Hilton co-branded credit cards to find out what their values are, and which ones consumers are likely to get the most out of. Here are the best Hilton credit cards based on your needs, spending level, and considerations.

All credit cards that award Hilton Honors points recently received a makeover, which might leave both new and longtime customers of the hotel chain confused. We analyzed every card offered by Hilton in order to determine what's the best Hilton credit card. The best card for most people will be the Hilton Honors American Express Card, but a different card may be a better fit for you if you're looking for something more specific, like Hilton status or a card for your business.

Hilton Honors American Express Card
Hilton Honors American Express Surpass® Card
Hilton Honors American Express Aspire Card
Best ForNo Annual FeeHilton Status
Annual Fee$0$95$450
Rates & Fees(See Rates & Fees)(See Rates & Fees)
Welcome Bonus80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.
APR15.74%-24.74% Variable15.74%-24.74% Variable15.74% to 24.74% Variable
Read MoreRead MoreRead More
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We analyze each of the Hilton cards in detail below, and we even list a few of the cards' downsides.

Best Hilton Credit Card with No Annual Fee: Hilton Honors American Express Card

Our Thoughts

We consider the Hilton Honors American Express Card to be the best Hilton credit card for most people because it combines a solid rewards program with a $0 annual fee. The lack of an annual fee means cardholders can start racking up Hilton Honors points without having to spend a certain amount for the card to make financial sense. The Hilton Honors American Express Card awards cardholders Hilton Honors bonus points on unusual spending categories, like at U.S. supermarkets and at U.S. restaurants. Very few no annual fee hotel cards will reward cardholders for such varied spending.

Pros:

  • $0 annual fee
  • Earn points on unusual categories for a hotel card, like U.S. restaurants and U.S. supermarkets.
  • A low spending requirement on the card's welcome bonus

Cons:

  • There are better welcome bonuses available.
  • Rewards on non-bonus categories are weak.

For rates and fees of the Hilton Honors American Express Card, please click here

Best Hilton Credit Card for Free Nights: Hilton Honors American Express Surpass® Card

Our Thoughts

The top card for earning free nights at Hilton hotels is the Hilton Honors American Express Surpass® Card due to its highly valuable welcome offer: 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership. The card also includes a free weekend reward night when you spend $15,000 on eligible purchases in a calendar year. Even better, Hilton has one of the most robust lists of hotel brands from which you can choose to redeem your points, including the Conrad, Hilton Garden Inn and DoubleTree.

Pros:

  • The welcome bonus can be worth a few free hotel nights.
  • Earn points on all spending, regardless of category
  • Robust list of hotels to choose from when redeeming your points

Cons:

  • $95 annual fee
  • High spending requirement of $40,000 per year to get Diamond status

For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.

Best Hilton Credit Card for Status: Hilton Honors American Express Aspire Card

Our Thoughts

The Hilton Honors American Express Aspire Card automatically earns cardholders Hilton Honors Diamond status, making it the top card choice for applicants who want access to premium perks at Hilton hotels. Diamond status members get benefits on every stay with the hotel brand, including room upgrades and complimentary breakfast. Having Diamond status minimizes minor inconveniences of constantly staying at hotels. You'll be able to have a guest stay for free and have access to executive lounges, which serve as an excellent place to get some work done on the road.

Pros:

  • Get automatic Hilton Honors Diamond status
  • Users get a $250 Hilton resort statement credit.
  • A free weekend night reward each year of card membership

Cons:

  • A hefty $450 annual fee
  • The card has a high bonus, but we expect more given the card's annual fee.

The information related to Hilton Honors American Express Aspire Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).