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Citi® Hilton HHonors™ Visa Signature® Card Review

Pros & Cons

  • You can earn unlimited Hilton HHonors™ Bonus Points that won't expire as long as you have some HHonors™ activity once every 12 months.
  • For a hotel-branded card, there's quite a lot you can do with your points. Donate them to charities and nonprofits, earn free hotel stays, use them toward services Hilton's traveling partners provide and a lot more.
  • There's no annual fee.

Top Features

Rewards
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.*
Bonus Rewards
75,000 Hilton HHonors(TM) Bonus Points after making $2,000 in purchases within the first 3 months of account opening*
Purchase APR
15.99% - 19.99%* (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 (Citi is a CardRatings advertiser). Let's review:

  • Earn 75,000 Hilton HHonors™ Bonus Points after making $2,000 in purchases within the first three months of account opening.
  • Enjoy the benefits of HHonors Silver status as long as you are a cardmember.
  • 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 HHonors™ cardholders 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. Capital One® Venture® Rewards offers 50,000 bonus points (equal to $500 in travel), but you have to spend $3,000 on purchases within the first three months of card membership (Citi gives 75,000 points when making $2,000 in purchases within three months of opening an account). Capital One® Venture® Rewards offers cardholders unlimited two miles for every $1 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 HHonors™ card does not have an annual fee, the Capital One® card has a $95 annual fee, which is waived the first year.

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

Both cards offer rewards for staying at company properties, but Marriott Rewards® Premier Credit Card cardholders enjoy a unique benefit – one free night stay in a Category 1-5 hotel every year after their account's anniversary date. When it comes to earning points, Marriott Premier® Rewards Credit Card cardholders can quickly earn more with an introductory offer of 75,000 bonus points after spending $3,000 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 Premier® Rewards Credit Card cardholders earn only five points in this category, but also two points on every $1 spent on airfare purchased directly from an airline, car rentals and restaurants as well as one point on all other purchases. This card has an annual fee of $85 (waived the first year). 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 from American Express 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 HHonors™has a 3% foreign transaction fee, the Starwood Preferred Guest® Credit Card from American Express does not.

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 page was last updated on January 31, 2018

This card compared to other travel rewards cards

Card Name
Citi® Hilton HHonors™ Visa Signature® Card
Rewards
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.*
2 Miles per dollar on every purchase, every day.
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
Bonus Rewards
75,000 Hilton HHonors(TM) Bonus Points after making $2,000 in purchases within the first 3 months of account opening*
50,000 Miles once you spend $3,000 on purchases within 3 months from account opening
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Purchase APR
15.99% - 19.99%* (Variable) 
14.24% - 24.24% (Variable) 
17.24% - 24.24% Variable 
Annual Fee
None
$0 intro for first year; $95 after that
$0 Intro for the First Year. Then $95
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:
APR:
N/A
Balance Transfer Fee:
Either $5 or 3% of the amount of each transfer, whichever is greater.
Annual Fee:
None

What Citi says about this card

  • Earn 75,000 Hilton HHonors(TM) Bonus Points after making $2,000 in purchases within the first 3 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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Apply online for Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • New! Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
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Apply online for Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
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