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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
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Editor's Rating

{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

4.5/5.0

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication. This site may be compensated through a credit card partnership.

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 (See Rates & Fees). 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® Cash Rewards Credit 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 Hilton Honors American Express Card, 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:

On American Express' Secure Website

Hilton Honors American Express Card

On American Express' Secure Website
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 within the first 3 months.
  • 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.
  • 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.
Annual Fee
$0
Regular APR
17.99%-26.99% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Good, Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

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

Comments and Questions

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Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

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).

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