Rewards Plan
Welcome Offer
Our Rating
0% Intro
Annual Fee
APR
- Elite Status Benefits
- No Annual Fee
- Low Redeeming Rate
- Limited Travel Benefits
Rates & Fees / Terms Apply
Rewards Plan
Welcome Offer
0% Intro
PROS
- Elite Status Benefits
- No Annual Fee
CONS
- Low Redeeming Rate
- Limited Travel Benefits
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.
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 |
- Welcome Bonus
First-timers have an introductory offer of 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Terms Apply.
- Elite Status Benefits
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.
- No Annual Fee
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.
- No Foreign Transaction Fees
The card does not charge foreign transaction fees, making it a suitable option for international travelers.
- Travel and Purchase Protections
The card offers travel benefits such as car rental insurance, extended warranty, and purchase protection covering items accidentally damaged, stolen, or lost.
- Low Redeeming Rate
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.
- Transfer Ratio to Airlines
Transferring Hilton Honors points to airline loyalty programs is possible but often not recommended due to unfavorable transfer ratios.
- Limited Travel Benefits
While the card offers some travel benefits, it lacks comprehensive travel perks compared to other premium credit cards.
- Lack of Published Award Charts
The absence of published award charts for Hilton properties can make it challenging to predict point requirements for hotel stays.
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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.
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.
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.
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|
| |
|---|---|---|---|
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 on purchases at all Hyatt hotels. Plus, 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member. 2x Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships. Plus, earn 1 Bonus Point per $1 spent on all other purchases.
|
1x – 6X
6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® credit card. Plus, earn up to 10X points from Marriott for being a Marriott Bonvoy® member. Plus, earn up to 1X point from Marriott with Silver Elite Status. Earn 3X points for every $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points for every $1 you spend 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 |
Up to 60,000 Bonus Points
30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.*Opens offer details overlay Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
|
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
|
70,000 points
70,000 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 | 21.49%–28.49% variable | 21.49%–28.49% 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.
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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“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.”
