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Apply online for Hilton HHonors™Card from American ExpressSponsored card
About Our Ratings
Credit Needed
Excellent

Hilton HHonors™Card from American Express Review

Pros & Cons

  • At seven Hilton HHonors Bonus Points per dollar spent at Hilton properties, this card offers a higher-than-typical return for your hotel loyalty.
  • Rack up points on everyday spending with five Hilton HHonors Bonus Points for every dollar you spend at U.S. restaurants, gas stations and supermarkets.
  • You can increase your earning potential with an upgrade to Gold status after making $20,000 in eligible purchases in a calendar year. With Gold status, you're eligible for even more bonus points, room upgrades and free Wi-Fi at select hotels.
  • There are greater rewards to be had with the Hilton HHonors™ Surpass Credit Card if you're willing to pay a $75 annual fee.

Top Features

Points or Miles
Get 7X Hilton HHonors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio. Get 5X Hilton HHonors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Get 3X Hilton HHonors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
Bonus Miles or Points
50,000 Hilton HHonors™ Bonus Points
after you spend $750 in purchases on the Card within your first 3 months of Card Membership.
Purchase APR
15.49%-19.49% Variable
Annual Fee
$0

Full Review

Brooklyn Lowery Site Editor

Hilton HHonors™ Card from American Express Essentials

With the Hilton HHonors™Card from American Express, everyday purchases can help you make the most of your time on the road. (American Express is a CardRatings advertiser)

Offering 50,000 Hilton HHonors Bonus points as a sign-up bonus (after spending $750 in the first three months) and seven points for every dollar spent at participating Hilton Portfolio hotels, the Hilton HHonors™Card from American Express is a practical option for those frequently on the go.

Additionally, cardholders earn five points for every dollar spent at U.S. restaurants, supermarkets and gas stations, and three points per dollar on all other qualifying purchases, which makes this a solid choice for your everyday purchases and allows you to quickly rack up points to be redeemed for travel upgrades, free hotel rooms and other travel-related expenses.  

Hilton HHonors™ Card from American Express best features:

  • No annual fee
  • Complimentary elite status upgrades
  • Bonus Hilton HHonors points for qualifying hotel stays
  • Baggage insurance plans
  • Roadside and global assistance hotlines
  • Car rental loss and damage insurance
  • Travel accident insurance
  • Purchase protection 

What Our Editors Like Most about the Hilton HHonors™ Card from American Express

The fact that this no annual fee credit card allows you to receive a ton of points and be eligible for great upgrades with ease is perhaps the biggest perk of the card, particularly for those loyal to the Hilton brand.

Though you must spend $750 on the card within your first three months of membership in order to receive the introductory 50,000 Hilton HHonors bonus points, we actually consider this a benefit as that spending threshold is low compared to many other hotel perk credit cards (comparison below). Those 50,000 points alone can earn you one to 10 free nights at more than 4,600 hotels and resorts in 100 countries and territories, depending on your travel dates and the hotel category.

Furthermore, you earn 500 Hilton HHonors bonus points for each qualifying stay when you use your Hilton HHonors™Card from American Express to both book your reservation online for a Hilton Portfolio resort or hotel and pay for your stay using the same card. That is, of course, in addition to the seven points per dollar you earn when you use your card at a Hilton property.

In the case of the Hilton HHonors™Card from American Express, the more you use your card to book hotels the easier it is to redeem points for free upgrades and hotel stays, which is something we find to be convenient for frequent business travels or those looking to plan their next leisurely getaway.

Even if you don't travel frequently, however, the Hilton HHonors™Card from American Express could still be worth considering given that you earn five points per dollar spent on everyday purchases at U.S. supermarkets, restaurants and gas stations. Before you know it, those everyday, run-around-town purchases will accumulate into a chunk of rewards points that will help you pay for your next vacation.

And, as you'd hope to find with any travel-related credit card, we like that this card includes a number of protection perks such as the baggage, travel and car rental loss and damage insurance plans as well as roadside and global assistance hotlines.

With the insurance plans, when using the Hilton HHonors™Card from American Express to pay for your travel expenses, the card can help you to cover the cost of any eligible lost, damaged or stolen baggage, as well as help you cover any expenses you may incur if your car rental is damaged or stolen.

Additionally, the card also gains you access to the Global Assist® and roadside assistance hotlines, which are there to help you resolve issues such as a broken down car or a lost or stolen passport. Since travel sometimes comes with some unexpected bumps in the road, our team agrees that these features are valuable incentives for Hilton HHonors™Card from American Express cardholders.

Lastly, Hilton HHonors™Card from American Express cardholders enjoy complimentary Hilton HHonors Silver status, which gives you a 15 percent bonus on Hilton HHonors base points earned from Hilton HHonors stays and eligibility to upgrade to Gold status when $20,000 in eligible purchases has been made in a single calendar year. With Gold status, you can enjoy a 25 percent bonus on Hilton HHonors base points; premium room upgrades; and in-room, high-speed Wi-Fi at select hotel properties.

Potential Downsides of the Hilton HHonors™ Card from American Express

While the Hilton HHonors™Card from American Express is great for anyone who loves the Hilton properties and plans to stay there regularly, it is not necessarily the best choice for international travelers.

Even though there are Hilton Portfolio properties in 100 countries around the world, the card still has a 2.7 percent foreign transaction fee for each international transaction after conversion to U.S. dollars. Because of this, for frequent international travelers, we might recommend a credit card with no foreign transaction fee, such as the Citi® Hilton HHonors™ Reserve Card (Citi is a CardRatings advertiser), BankAmericard Travel Rewards® Credit Card or the Marriott Rewards® Premier Credit Card.

How the Hilton HHonors™ Card from American Express Compares to Other Hotel Credit Cards

Hilton HHonors™ Card from American Expresss vs. IHG® Rewards Club Select Credit Card

Similar to the Hilton HHonors™Card from American Express, the IHG® Rewards Club Select Credit Card offers an introductory bonus point opportunity: 60,000 bonus points after you spend $1,000 on eligible purchases in the first three months of opening the account -- just a slightly higher threshold than the Hilton HHonors™Card from American Express spending requirement of $750. For those looking for a Chase credit card that can quickly rack up hotel points, the IHG® Rewards Club Select Credit Card is a viable option.

If you have no preference on credit card company or hotel chain though, you’re likely to accrue points more quickly with the Hilton HHonors™Card from American Express since the IHG® Rewards Club Select Credit Card will only earn you five points for each dollar spent at IHG® resorts and hotels and three points per dollar at gas stations, grocery stores and restaurants. When comparing these numbers with that of the Hilton HHonors™Card from American Express, you’ll see that your points with the American Express card will add up about 25 percent faster than if traveling with the IHG® Rewards Club Select Credit Card from Chase.

Still, with a complimentary one-night hotel stay at over 4,900 hotels worldwide each year and no international fees, the IHG® Rewards Club Select Credit Card is still a worthwhile choice, especially for global travelers.

Hilton HHonors™ Card from American Express vs. Marriott Rewards® Premier Credit Card

For travelers who prefer the Marriott brand, the Marriott Rewards® Premier Credit Card offers another easy way to gain a large chunk of bonus points quickly after opening an account. Plus, cardholders can add another 7,500 bonus points once their first authorized user makes a purchase with the card within the first three months of the account opening.

Earning the introductory 80,000 hotel points is a nice perk for those signing up the for Marriott Rewards® Premier Credit Card, but users must spend $3,000 within the first three months to receive the bonus, a much higher spending requirement than with the Hilton HHonors™Card from American Express

Marriott Rewards® Premier Credit Card users can gain points by purchasing airline tickets though, which is a nice incentive not offered by the Hilton HHonors™ Card from American Express. Also, while there is an annual fee of $85 with the Marriott Rewards® Premier Credit Card, cardholders also enjoy a free night stay at a Marriott property each year after your account anniversary; that perk alone likely offsets the annual fee.

Hilton HHonors™ Card from American Express vs. Premier Rewards Gold Card from American Express

With no purchase APR (you pay your bill in full each billing cycle), no foreign transaction fees, airline and hotel credits, and rewards earning opportunities of three points per dollar on plane ticket purchases, the Premier Rewards Gold Card from American Express is a good choice for those looking to benefit from their travels.

The Premier Rewards Gold Card from American Express point conversion for other purchases is comparably low (two points for every dollar at U.S. restaurants, gas stations and supermarkets and one point per dollar for all other purchases), and there is a hefty annual fee of $195 after the first year, so this card is really designed with a regular traveler in mind.

You can receive 25,000 rewards points after spending $2,000 within the first three months, and you'll also be eligible for up to $100 in statement credit annually to cover incidental airline charges, such as baggage fees and in-flight meals, after you select a qualifying airline. 

Who Should Get This Card?

Thanks to its great sign-on bonus, points earning ease and no annual fee, the Hilton HHonors™Card from American Express is ideal for those who enjoy Hilton properties and plan to stay there often or even people just looking to offset the cost of an annual vacation with points earned through everyday purchases.

Do keep in mind, though, that it carries a 2.7 percent international fee, so you might want to have a back-up credit card at the ready when you travel abroad.

This card compared to other hotel cards

Points or Miles
Get 7X Hilton HHonors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio. Get 5X Hilton HHonors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Get 3X Hilton HHonors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
Get up to 5 Starpoints(R) for each dollar of eligible purchases at participating SPG(R) hotels - that's 2 Starpoints for which you may be eligible as a Card Member in addition to the 2 or 3 Starpoints for which you may be eligible as an SPG member.
Earn 5 points per $1 spent when you stay at IHG hotels. Earn 2 points per $1 spent on purchases at gas stations, grocery stores & restaurants. Earn 1 point for every $1 spent on all other purchases.
Bonus Miles or Points
50,000 Hilton HHonors™ Bonus Points
after you spend $750 in purchases on the Card within your first 3 months of Card Membership.
25,000 bonus Starpoints(R) after you use your new Card to make $3,000 in purchases within the first 3 months.
Purchase APR
15.49%-19.49% Variable
15.49%-19.49% Variable 
16.24% -23.24% Variable 
Annual fees
$0
$0 introductory annual fee for the first year, then $95.
$0 intro for the first year, then $49
CardRatings.com Editorial Staff

Hilton HHonors™Card from American Express details

Points or Miles
Get 7X Hilton HHonors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio. Get 5X Hilton HHonors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Get 3X Hilton HHonors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
Bonus Miles or Points
50,000 Hilton HHonors™ Bonus Points
after you spend $750 in purchases on the Card within your first 3 months of Card Membership.
Purchase Intro
APR:
N/A
Purchase APR
15.49%-19.49% Variable
Annual Fee
$0

What American Express says about this card

  • Earn 50,000 Hilton HHonors™ Bonus Points after you spend $750 in purchases on the Card within your first 3 months of Card Membership.
  • Get 7X Hilton HHonors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Get 5X Hilton HHonors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Get 3X Hilton HHonors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
  • Enjoy complimentary Silver status with your Hilton HHonors™ Card.
  • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn HHonors Gold status through the end of the next calendar year.
  • Terms and conditions apply.

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Featured offers
Currently available on the Hilton HHonors™Card from American Express
50,000 Hilton HHonors™ Bonus Points
After you spend $750 in purchases on the Card within your first 3 months of Card Membership.

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Apply online for Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

  • Earn 25,000 bonus Starpoints(R) after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints(R) for each dollar of eligible purchases spent on the Card at participating SPG(R) & Marriott Rewards(R) hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Redeem Starpoints(R) at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Conditions apply.
Credit Needed:
Excellent, Good
Apply online for IHG® Rewards Club Select Credit Card

IHG® Rewards Club Select Credit Card

  • Earn 60,000 bonus points after you spend $1,000 on purchases in the first 3 months of account opening
  • Enjoy a free night each year of card membership at over 4,900 hotels worldwide
  • Earn 5 points for each $1 spent at our hotels
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
  • Bonus points redeemable at hotels such as Intercontinental(R) Hotels & Resorts, Crowne Plaza(R) Hotels & Resorts and Holiday Inn(R)
  • Automatic platinum elite status, as long as you remain a credit cardmember
  • $0 introductory annual fee the first year, then $49
Credit Needed:
Excellent/Good