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Hilton Honors American Express Card

Hilton Honors American Express Card

An excellent no annual fee hotel rewards credit card.
Editor's Rating: 4.5/5.0

Editor's Rating

4.5/5.0

The Hilton Honors American Express Card is one of a few credit cards tied to the Hilton loyalty program. We reviewed the credit card and how it compares to the other Hilton card offerings as well as other travel rewards credit cards to help you decide if it is the right option for you.

Hilton Honors American Express Card: Is It Worth It?

As a no annual fee credit card, the Hilton Honors American Express Card is probably best suited as a supplemental credit card. Use the card to earn the welcome bonus and keep it around for those times when you'll be staying at a Hilton resort, or can leverage any of the other bonus spending categories. As an everyday card, the rewards on non bonus spending are not lucrative enough to warrant making it the first card in your wallet. Many of the best no annual fee cash back credit cards like the Capital One® Quicksilver® Card or Fidelity Investment Rewards will get you better rewards rates and offer you cash back which is much more valuable than loyalty points.

Even as a supplemental card it may make sense to consider one of the Amex Hilton credit cards with annual fees, provided that you spend a significant amount at Hilton properties. The extra rewards you'll earn will be more than worth the fees you pay.

How Does It Fare Against The Other HHonors Credit Cards?

Among the two no annual fee Hilton Credit Cards, the other being the Citi Hilton HHonors™ Visa Signature, we think that this American Express offering is clearly the superior of the two. While both card are decent as supplemental credit cards, the American Express has higher rewards in just about every category making it the better choice.

With the Amex version, cardholders receive 7 Hilton Honors Bonus points for each dollar when paying for purchases at Hilton resorts vs the 6 you would receive with the Citi. This card also offers 5 points per dollar anytime you spend money at US supermarkets, restaurants or gas stations. The Citi card only gives 3 points per dollar spent at supermarkets drugstores and gas stations.Currently, the Hilton Honors American Express Card also comes with a higher bonus, so you can see why we think the American Express option is the better of the two.

How About The Other Hilton Credit Cards?

At the other end of the spectrum are the Citi HHonorsReserve and the American Express Honors™ Surpass, both cards that come with annual fees. These two more expensive options offer better spending rewards all around so if you're using the cards significantly they'll be more rewarding. The downside is that both cards have an annual fee that eats into their value, so they make a lot less sense as a card for occasional use.

Unfortunately with the premium HHonors™ credit cards the major difference in spending rewards is only when it comes to purchases made for HHonors™ stays. We estimate that you'll have to spend at least $10,000 annually at HHonors™ related properties to make it a better option than the no fee card. If you're only the occasional traveler this probably doesn't make sense.

For business travelers that find themselves frequently on the road and are already HHonors™ members, it can make sense to opt for these more expensive cards.

Hilton Honors American Express Card Benefits

Here are the Hilton Honors American Express Card benefits at a glance:

Hilton Honors American Express Card
Annual Fee
$0
Purchase APR
17.74%-26.74% Variable
Credit Needed Excellent/Good
Details
  • Earn 75,000 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.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees

Comments and Questions

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Info about the following cards: Premier Rewards Gold Card from American Express, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Amex EveryDay® Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, and Starwood Preferred Guest® American Express Luxury Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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.

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