Credit Cards » Credit Card Reviews » Hilton Honors American Express Card: 2024 Review
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Hilton Honors American Express Card: 2024 Review

The Hilton Honors American Express Card is great for people who like to maximize travel rewards such restaurants, supermarkets, and gas stations.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: January 1, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: January 1, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Hilton Honors American Express Card

hilton honors card

Rewards Plan

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 Offer

80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Our Rating

4.2
4.2/5

0% Intro

N/A

Annual Fee

$0

APR

20.99%-29.99% Variable

Rates & Fees / Terms Apply

Hilton Honors American Express Card

hilton honors card

Rates & Fees / Terms Apply

Rewards Plan

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 Offer

80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

0% Intro

4.2
4.2/5

PROS

CONS

APR

20.99%-29.99% Variable

Annual Fee

$0

0% Intro

N/A

Credit Requirements

Good - Excellent

The Hilton Honors American Express Card is a credit card suitable for beginners seeking Hilton perks. Covering over 7,000 hotels in 120+ countries, it offers opportunities to earn and redeem points. With no annual fee, it's an attractive option for travelers venturing into the Hilton Honors program.

Cardholders enjoy 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. Additional perks include entertainment access, ShopRunner benefits, extended warranty, purchase protection, and car rental insurance.

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).

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.

Hilton Honors American Express Card overview
(Photo by photobyphotoboy/Shutterstock)

Table of Contents

Pros & Cons

Let's explore the pros and cons of the Hilton Honors Amex Card:

Pros
Cons
Welcome Bonus
Low Redeeming Rate
Elite Status Benefits
Transfer Ratio to Airlines
No Annual Fee
Limited Travel Benefits
No Foreign Transaction Fees
Lack of Published Award Charts
Travel and Purchase Protections

First-timers have an introductory offer of 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Terms Apply.

Cardholders automatically receive Hilton Honors Silver elite status, providing member discounts, a 20% points bonus on paid stays, and additional perks. Spending $20,000 in a calendar year upgrades to Hilton Honors Gold status.

HiltonHonors status progress silver
HiltonHonors status progress (screenshot from Hilton app)

The Hilton Honors American Express Card comes with no annual fee, making it an affordable choice for those looking to enjoy Hilton perks without extra costs.

The card does not charge foreign transaction fees, making it a suitable option for international travelers.

The card offers travel benefits such as car rental insurance, extended warranty, and purchase protection covering items accidentally damaged, stolen, or lost.

The rate to redeem travel points with the Hilton Honors American Express Card is 0.6 cent and significantly low compared to most credit cards.

Transferring Hilton Honors points to airline loyalty programs is possible but often not recommended due to unfavorable transfer ratios.

While the card offers some travel benefits, it lacks comprehensive travel perks compared to other premium credit cards.

The absence of published award charts for Hilton properties can make it challenging to predict point requirements for hotel stays.

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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
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:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
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:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

What Can I Do With My Points?

The redemption options for the Hilton Honors American Express Card primarily revolve around the Hilton Honors loyalty program.

Here are the key redemption options:

  • Hotel Stays: The most common and often most valuable redemption is for hotel stays at Hilton properties. Points can be used to cover the cost of room nights at various Hilton hotels and resorts worldwide. The number of points required for a stay varies based on factors such as location, hotel category, and demand.

Book hotel with Hilton Honors Amex card
Book hotel with Hilton Honors Amex card
  • Transfer to Airline Partners: Hilton Honors points can be transferred to over 40 global airline loyalty programs. However, it's important to note that the transfer ratios may not be favorable, and it's generally not recommended unless you need to top off an airline account for a specific award.

  • Other Redemption Options: While Hilton primarily focuses on hotel-related redemptions, some additional options may include experiences, charitable donations, or merchandise through the Hilton Honors platform. However, the value of points for these options may vary.

Bid and book experience with Hilton miles
Bid and book experience with Hilton miles (screenshot taken by our team from Hilton website)

How To Apply For Hilton Honors Amex Card?

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. 

Fill in your personal information; name, date of birth, phone number, email, and home address. 

Scroll down to provide your financial details like social security number, annual income, and income source. Click on “Continue to terms.”

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.”

Your application is now complete, and you will be contacted via any of the contact details you provided for approval on your application.

How It Compared To Other Hilton Credit Cards?

The Hilton Honors Amex caters well to entry-level users, while the Surpass and Aspire cards provide enhanced rewards and benefits at higher annual fees for those seeking a more premium experience. Its standout feature is the absence of an annual fee, making it an attractive option for those seeking Hilton perks without a financial commitment.

Comparatively, the Hilton Honors American Express Surpass Card stands out with its higher points per dollar earnings.Additionally, it provides automatic Gold status, a free night reward, and up to $200 in statement credits toward Hilton purchases annually. The Surpass Card comes with a $150 annual fee, but the enhanced rewards and benefits may justify the cost for frequent Hilton guests.

For those seeking top-tier luxury benefits, the Hilton Honors American Express Aspire Card is an elite option with a $550 annual fee. It offers substantial rewards, including complimentary Diamond status, a valuable airline fee credit, and a free weekend night reward.

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

Marriott Bonvoy Boundless Card review 2019

hilton honors card

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
3 Free Nights 3 Free Nights (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening
80,000 points 80,000 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.

Compare Hilton Honors American Express Card

If you're looking for an hotel card, a good one can provide exclusive benefits. Which card offers more perks and what are the differences?

Amex Hilton Honors vs World of Hyatt: Which Hotel Card Wins?

The Surpass card boasts a notably higher annual fee, justified by its superior rewards ratio and benefits compared to the Hilton Honors card.

Hilton Honors vs. Hilton Surpass Card: How They Compare?

The Hilton Honors Amex is our winner with higher cashback value and great overall rating for a hotel card with no annual fee.

Hilton Honors American Express vs. Marriott Bonvoy Bold: Side By Side Comparison

Both Hilton Honors Amex and Wyndham Rewards Earner cards offer a decent point rewards ratio and basic extra hotel perks.

Hilton Honors American Express vs. IHG One Rewards Traveler: Side By Side Comparison

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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
70,000 miles 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Review Hotel Credit Cards

“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.”

Andrew O'Malley

Andrew O'Malley

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
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Best Cards Per Category
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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
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:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
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:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.