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Apply online for Citi® Hilton HHonors™ Visa Signature® CardSponsored card
About Our Ratings
Credit Needed
Excellent

Top Features

Points or Miles
Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton portfolio*; Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*; Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
Bonus Miles or Points
Earn 2 weekend night certificates good at select hotels and resorts within the Hilton portfolio
after $2,500 in eligible purchases within 4 months of account opening*
Purchase APR
15.49% - 19.49%* (Variable)
Annual Fee
None

Full Review

Curtis Arnold Editor-in-chief

Citi® Hilton HHonors™ Visa Signature® Card Essentials


Credit cards tend to have a give and take relationship with their cardholders: They’ll give you rewards as long as you pay for annual fees, balance transfer fees, and/or a steep APR. Citi® has reinvigorated our credit card senses by offering a card with a little less take. The Citi® Hilton HHonors™ Visa Signature® Card has no annual fee, and offers significant long term value. Let's review:

  • Earn 40,000 Hilton HHonorsTM Bonus Points after making $1,000 in purchases within the first 4 months of account opening.
  • Move up to HHonors™ Silver status immediately, with the option to fast-track to HHonors Gold status after four stays within 90 days of opening your account, or when you make $20,000 or more in purchases each calendar year.
  • For every $1 spent on hotel stays within the Hilton portfolio cardholders earn six HHonors™ Bonus Points.
  • For every $1 spent on day-to-day purchases at supermarkets, drugstores and gas stations, earn three HHonors™ Bonus Points.
  • Cardholders can earn two HHonors Bonus Points for every $1 spent on other purchases.

Once you have all these points, there is a lot you can do with them. Accrued points can be used in a variety of ways, including:

  • Free hotel stays with no blackout dates.
  • Hilton's travel partners on car rentals, airlines, cruise certificates and train tickets.
  • Hilton's shopping, dining and entertainment partners for everyday purchases and one-of-a-kind experiences.
  • Share your points with family and friends.
  • Donate your points to support charities and non-profit organizations.

What Our Editors Like Most About the Citi® Hilton HHonors™ Visa Signature® Card

Bonus Points Won’t Expire Easily and No Cap on Points Earned  As long as you have some HHonors™ activity at least once every 12 months, bonus points won’t expire. That activity can include staying at a hotel within the Hilton portfolio, earning points through a participating partner, purchasing HHonors™ Points or donating HHonors™ Points. With the Citi® Hilton HHonors™ Visa Signature® Card there is no cap on how many points you can earn meaning the sky's the limit when it comes to point earning activity.

Price Rewind As with other Citi® products, Hilton HHonorsTMcardholders have access to the unique Price Rewind service. Price Rewind helps customers get  lower prices after  purchasing an item. If you register a purchase through the Rewind program, Citi® will track the product for 60 days to find a lower price. If they find one, you can request a refund for the price difference.

Complimentary HHonors Silver Status and Fast-Track to Gold Status All Citi® Hilton HHonors™ Visa Signature® card members have complimentary HHonors™ Silver Status allowing them to automatically receive a 15% bonus on all HHonors Base Points earned, receive a fifth night stay free on Standard Room Reward stays when staying five nights or more, as well as complimentary in-room internet access, express check-out, late check-out and complimentary access to fitness centers and health clubs while staying at a Hilton property. Compared to other guest loyalty programs, this credit card allows cardholders to quickly achieve elite status, too. The more you stay at a hotel within Hilton's portfolio, the quicker you can go from blue to silver to gold and then diamond status.     

Perks for Once-in-a-Lifetime Experiences/Everyday Benefits The Visa Signature® Perks give cardholders instant access to everyday benefits like roadside assistance, lost luggage reimbursement and emergency card replacement. It also offers once-in-a-lifetime experiences, like the opportunity to stay in some of the most luxurious hotels in the world, fine wine and food events, as well as a complimentary 24-hour Visa Signature® Concierge to help you book those tickets, make reservations and more.

Potential Downsides of Citi® Hilton HHonors™ Visa Signature®

Redemption Values for Points Vary The value of your points vary depending on how you are using them. Whether it's for a hotel room or flights, car rentals or other rewards, cardmembers need to pay attention to the fine print to know how many points each will cost them. For example, points needed for one free night at one of 26 properties in New York City anytime from December through February range from 40,000 to 70,000 points.

This Card May not be Ideal for Overseas Travelers  The point redemption rate isn’t great for airline miles, in fact, you will lose significant point value by redeeming your points for miles. This card also has a 3% foreign transaction fee. If you foresee your travels requiring a significant amount of abroad airline travel, it may be worth considering a credit card with better perks.

How Citi® Hilton HHonors™ Visa Signature® Card Compares to Travel Reward Cards

Citi® Hilton HHonors™ Visa Signature® vs. Capital One® Venture® Rewards Credit Card

The Capital One® Venture® Rewards Card is a solid travel reward card for travelers who aren't brand loyal. Like the Citi® Hilton HHonors™ introductory offer, Capital One® Venture® Rewards also offers 40,000 bonus points (equal to $400 in travel), but you have to spend $3,000 on purchases within the first three months of card membership (Citi offers 40,000 when making $1,000 in purchases within four months of opening an account). Capital One® Venture® Rewards offers cardholders unlimited two miles for every dollar spent on every purchase whereas Citi’s point structure is tiered varying from 2 bonus points per $1 to 6 bonus points per $1. With that said, Venture’s point redemption with airlines exceeds the opportunity with this Citi card.
There are no foreign transaction fees with Capital One.  The last item to consider is the annual fee, Citi® Hilton HHonorsTM card does not have an annual fee, the Capital One® card has a $59 annual fee, which is waived the first year as part of the sign up promotion. Citi®

Citi® Hilton HHonors™ Visa Signature® vs. Marriott Rewards® Premier Credit Card

Both cards offer rewards for staying at company properties, but Marriott® Rewards cardholders enjoy a unique benefit -- one free night stay in any Category 1-5 property every year after their account's anniversary date. When it comes to earning points, Marriott Rewards cardholders can quickly earn more with an introductory offer of earning 50,000 bonus points after spending $2,000 on purchases within the first three months of card membership. Citi, however, wins when it comes to earning bonus points on hotel stays. The Citi card offers six bonus points for every dollar spent on hotel stays. Marriott® Rewards cardholders earn only five points in this category. This card has an annual fee of $85. It also has no foreign transaction fees.

Citi® Hilton HHonors™ Visa Signature® vs Starwood Preferred Guest® Credit Card from American Express

Both cards, again, are brand loyal. Unlike the Citi® card with no annual fee, the Starwood Preferred Guest® Credit Card offers no annual fee the first year and then charges $95 annually. With this annual fee also comes a higher redemption rate with points. And while Citi® Hilton HHonorsTMhas a 3% foreign transaction fee, Starwood Preferred does not. Starwood's introductory bonus offer will cost you more for less points than the Citi® offer. Right now Starwood cardholders can earn 25,000 bonus Starpoints after making $3,000 in purchases within the first three months of card ownership.

Who Should Get the Citi® Hilton HHonors™ Visa Signature® Card?

If you're an avid traveler, this card may be just what you need, especially if you enjoy staying at Hilton properties. If travel abroad is more your thing, you may want to look at a card without or with lower foreign transaction fees.

This card compared to other rewards cards

Points or Miles
Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton portfolio*; Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*; Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
2X miles/$1 on all purchases. Get 5% miles back to use toward your next redemption, every time you redeem
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
Bonus Miles or Points
Earn 2 weekend night certificates good at select hotels and resorts within the Hilton portfolio
after $2,500 in eligible purchases within 4 months of account opening*
40,000 bonus miles when you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
Purchase APR
15.49% - 19.49%* (Variable)
16.24% or 20.24%* Variable 
N/A 
Annual Fee
None
$89 - Waived first year
Introductory annual fee of $0 for the first year, then $195
Rates and Fees
This card is best for consumers with excellent credit who travel frequently and stay at Hilton hotels.
CardRatings.com Editorial Staff

Citi® Hilton HHonors Visa Signature® Card details

Balance Transfer Intro APR
N/A
Balance Transfer Intro Period
N/A
Purchase Intro
APR:
N/A
Purchase APR
15.49% - 19.49%* (Variable) 
Annual Fee
None

What Citi says about this card

  • Earn 40,000 Hilton HHonors Bonus Points after making $1,000 in purchases within the first 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at any participating hotel within the Hilton Portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • Enjoy the benefits of HHonors Silver status as long as you are a cardmember*
  • No annual fee.*

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Special offers
Currently available on the Citi® Hilton HHonors Visa Signature® Card
Earn 2 weekend night certificates good at select hotels and resorts within the Hilton portfolio
After $2,500 in eligible purchases within 4 months of account opening*

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Apply online for Premier Rewards Gold Card from American Express®

Premier Rewards Gold Card from American Express®

  • Receive 25,000 Membership Rewards(R) Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • With The Hotel Collection, you can get up to a $75 hotel credit on qualifying charges, plus a room upgrade at check-in if it's available, when you book a stay of at least two consecutive nights.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply.
Credit Needed:
Excellent
Apply online for BankAmericard Travel Rewards® Credit Card

BankAmericard Travel Rewards® Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% or more. Click "Apply Now" to learn more about Preferred Rewards.
Credit Needed:
Excellent/Good