Rewards Plan
Welcome Offer
Credit Rating
0% Intro
Annual Fee
APR
- Loyalty Program
- Competitive Rewards
- High APR
- No 0% intro APR
Rates & Fees / Terms Apply
Rewards Plan
Welcome Offer
0% Intro
PROS
- Loyalty Program
- Competitive Rewards
CONS
- High APR
- No 0% intro APR
APR
20.99%-29.99% Variable
Annual Fee
$0
Balance Transfer Fee
n/a
Credit Requirements
Good - Excellent
Hilton Honors American Express Card ranks among the best in the country. First-timers can 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership (Terms Apply).
Existing users earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases . Loyal customers are rewarded with a silver honors-level membership and a status upgrade to the gold level by spending a minimum of $20,000 per year. Cardholders also have unique access to attend exciting shows and top-notch events and occupy the best seats for full experience through ticket presales.
Cardholders need not worry about paying for renewal because there is no annual fee. The Hiltons Honors Card provides travel benefits to users like no foreign transaction fees, insurance coverage for car rentals, and a global assist feature for emergency purposes in a foreign land (See rates & fees).
- Welcome Bonus
- Fraud Protection
- No International Transaction Fees
- Rewards
- Loyalty Program
- High APR
- No 0% intro APR
- Low Redeeming Rate
How much are 10,000 points worth?
This depends on your redemption method, – but generally, the Hilton Honors points are typically worth 0.5 cents each. So, 10,000 points would be worth $50.
Table of Contents
Advantages
Let’s take a look at the advantages of this card and see if it’s the right one for your wallet or not.
- Welcome Bonus
First-timers have an introductory offer of 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Terms Apply.
- Fraud Protection
Fraud protection is a rare but helpful credit-card feature because it covers potential losses due to unauthorized transactions on your account. It may come in handy when your Hilton Honors American Express Card gets lost or stolen to exclude you from the responsibility of what happens in your account during this time.
- No International Transaction Fees
Users who enjoy patronizing foreign merchants do not have to worry about charges, which are usually extravagant because Hilton Honors American Express Card charges $0 for international transactions.
- Rewards
Cardholders earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases .
- Loyalty Program
Entry-level honors earn 10 points per $1, silver level members earn 12 points per dollar, while gold level clients earn up to 18 points for every $1.
You can attain the highest honors – gold status when you spend a minimum of $20,000 per year. You can redeem travel points through the loyalty program by transferring to partner airlines and hotels.
Disadvantages
Let’s take a look at the disadvantages of this credit card and see if it’s the right one for your wallet or not.
- High APR
The standard APR is 20.99%-29.99% Variable for new and existing users for purchases and balance transfers. This is higher range than many other travel cards you can find on the market. See Rates & Fees.
- No 0% intro APR
Most credit cards offer a zero percent introductory rate on purchases and balance transfers to attract new clients and increase potential earnings; however, Hilton American Express Card does not provide this offer to new clients.
- Low Redeeming Rate
The rate to redeem travel points with the Hilton Honors American Express Card is 0.5 percent and significantly low compared to most credit cards.
Users can redeem travel points to spend on flight tickets, to book or upgrade a hotel room, and for resort activities at partner establishments.
How To Apply For Hilton Honors American Express Card?
- 1.
Visit the website at americanexpress.com, look for the Hilton Honors American Express Card at the top of the page and select. Click on “Apply Now” to begin your application.
- 2.
Fill in your personal information; name, date of birth, phone number, email, and home address.
- 3.
Scroll down to provide your financial details like social security number, annual income, and income source. Click on “Continue to terms.”
- 4.
The terms and conditions contain all the interest rates and transaction fees for using the Hilton Honors American Express Card. If you agree, click on “Agree & Submit Application.”
- 5.
Fill in your account type(s) and employer information like company name and work number. Click “Continue” to proceed.
Your application is now complete, and you will be contacted via any of the contact details you provided for approval on your application.
Is the Hilton Honors American Express Card Right for You?
The Hilton Honors American Express Card is suitable for people who like to maximize rewards by patronizing U.S restaurants, cafes, U.S supermarkets, and gas stations.
The silver and gold status levels serve as a ‘thank you' to loyal customers – entry-level honors earn 10 points for every dollar. At the same time, clients are automatically enrolled for the silver honor status to earn 12 points per dollar. The final level is gold honors, where members can earn up to 18 points for one dollar.
A significant advantage is that clients do not have to worry about yearly renewal fees or international transaction charges, in addition to an exciting introductory offer
Compare The Alternatives
Let’s also review some other hotel rewards credit cards so you can make a comparison to determine if the Hilton Honors card is for you or not.
|
|
| |
|---|---|---|---|
World of Hyatt Credit Card | Marriott Bonvoy Boundless® Credit Card | Hilton Honors American Express Card | |
Annual Fee | $95 | $95 | $0 |
Rewards |
1X – 4X
4 bonus points per $1 spent for Hyatt stays and experiences including restaurants and spas, 2x for flights purchased directly from the airline, local transit, commuting, restaurants, fitness club, gym memberships and 1 bonus point per $1 spent on all other purchases
|
1x – 6X
6X points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card, 3X on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining and 2X Bonvoy points for every $1 spent on all other purchases
|
3X – 7X
7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
|
Welcome bonus |
30,000 points
30,000 points after you spend $3,000 on purchases within the first 3 months of account opening
|
5 Free Nights
5 Free Nights (each night valued up to 50,000 points) after qualifying purchases
|
100,000 points
100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership
|
Foreign Transaction Fee | $0 | $0. | $0. See Rates and Fees. |
Purchase APR | 20.99%–27.99% Variable | 20.99% – 27.99% Variable | 20.99%-29.99% Variable
|
FAQ
The Hilton Honors American Express card does come with car rental damage and loss insurance. If you pay for your entire rental with your card and decline the rental company collision damage waiver, you’ll have coverage. The World of Hyatt card does not have this feature.
American Express doesn't state a minimum income requirement to qualify for the card, as qualification is based on your credit rating. The card requires good to excellent credit and your income will only be used to determine your credit limit upon approval.
Hilton Honors points do not actually expire, but if your account is inactive for 24 months, any points balance will be forfeited.
Hilton Honors allows swapping points for miles with almost all of the major domestic airlines and some international carriers including British Airways and Air Canada. However, the transfer ration is typically 10:1. This means you’ll need 10,000 Hilton Honors points to get 1,000 miles.
Review Hotel Credit Cards
American Express Platinum
Marriott Bonvoy Boundless Chase
IHG Rewards Club Premier
Chase Sapphire Reserve
World of Hyatt
Hilton Honors American Express
Capital One Venture X
Review American Express Credit Cards
American Express Everyday
American Express Platinum Card
Delta SkyMiles Reserve
American Express Green Card
American Express Blue Cash Preferred
Delta SkyMiles Blue
American Express Gold Card
Delta SkyMiles Gold
Hilton Honors American Express
“Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.”
