Credit Cards » Compare Credit Cards » Which Hilton Credit Card Is Best For My Needs?
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Which Hilton Credit Card Is Best For My Needs?

Hilton offers four types of credit cards with different levels of benefits on Hilton hotels and annual fee between $0 to $450. Which is best?
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 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.

If you enjoy staying at Hilton locations, a Hilton credit card could be a great fit for you. But, which are the best Hilton cards? Here we’ll explore this topic in more detail to help you make an informed decision.

There are four Hilton co-branded credit cards, three for personal customers and one business card. Each card has different features and benefits.

Hilton Honors American Express Card

Reward details

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

Current Offer

100,000 points


100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

N/A

APR

20.99%-29.99% Variable

The Hilton Honors American Express Card is an entry-level, no-annual-fee credit card ideal for beginners or those seeking Hilton perks without additional costs. With a welcome offer of 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership, it provides a solid start.

The card earns 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 .

Redeeming points for hotel stays offers the best value, especially for stays of five nights or longer, which qualify for a fifth night free. The card faces competition from other Hilton-branded cards and general travel credit cards. While it may not suit everyone, the Hilton Honors American Express Card is a suitable choice for those aiming to maximize Hilton benefits without an annual fee, particularly with the enhanced welcome bonus.

  • APR: 20.99%-29.99% Variable
  • Annual fee: $0
  • Balance Transfer Fee: n/a
  • Foreign Transaction Fee: $0
  • Rewards Plan: 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: 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership
  • 0% APR Introductory Rate period: N/A
  • High Points Rewards Ratio
  • Hilton Honors Silver Status
  • Diverse Earning Categories
  • Travel and Purchase Protections
  • Low Points Value
  • Limited Premium Perks
  • Low Value For Point Transfer to Airlines

What are the main benefits of the card?

The card offers Hilton Honors Silver status, exclusive entertainment access, free ShopRunner shipping, extended warranty, and purchase protection.

How do I redeem Hilton Honors points?

The best value is for hotel stays, especially for stays of five nights or longer, which qualify for a fifth night free.

What makes this card a good starter option?

It's a no-annual-fee card with a generous welcome offer, making it ideal for beginners exploring Hilton loyalty benefits.

How does the Hilton Honors Amex compare to other Hilton-branded cards?

While it lacks some premium perks, it's a solid choice for those seeking Hilton benefits without an annual fee.

Can I use Hilton Honors points for flights or rental cars?

While possible, it's not recommended due to unfavorable transfer ratios; using points for hotel stays provides better value.

What is the Hilton Honors Silver status?

It provides member discounts, a 20% points bonus on paid stays, no resort fees on award stays, and a fifth night free on award stays.

Hilton Honors American Express Credit Card
(Photo by Africa Studio/Shutterstock)

Hilton Honors American Express Surpass Card

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass Card

Reward details

3X – 12X


Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at U.S. restaurants , and for takeout and delivery in the U.S, on groceries at U.S. supermarkets and at U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases and 3X Points on all other purchases

Current Offer

155,000 points 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership

Credit Rating

Good – Excellent

Annual Fee

$150

0% Intro

N/A

APR

20.99% – 29.99% variable

The Hilton Honors American Express Surpass® Card is a co-branded credit card tailored for regular Hilton guests seeking valuable perks without the high annual fee of the premium Aspire Card. The Surpadd card earns Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at U.S. restaurants , and for takeout and delivery in the U.S, on groceries at U.S. supermarkets and at U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases and 3X Points on all other purchases.

The ongoing benefits include automatic Hilton Gold elite status, providing perks such as complimentary breakfast, increased points earnings, and space-available upgrades at Hilton properties. The annual fee of $150 is justified by these benefits, including up to $200 in Hilton statement credits, a free night reward for $15,000 in annual spending, and complimentary National Car Rental Emerald Club Executive status.

While the card has advantages like automatic Gold elite status and a solid earning rate, its drawbacks include the lower value of Hilton points, an annual fee, and limited travel protections.

  • APR: 20.99% – 29.99% variable
  • Annual fee: $150
  • Balance Transfer Fee: N/A
  • Foreign Transaction Fee: $0
  • Rewards Plan: Earn 12x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 6x Points on dining at U.S. restaurants , and for takeout and delivery in the U.S, on groceries at U.S. supermarkets and at U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases and 3X Points on all other purchases
  • Welcome bonus: 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership
  • 0% APR Introductory Rate period: N/A
  • Automatic Hilton Gold Elite Status
  • Statement Credits
  • No Foreign Transaction Fees
  • Hilton Points Value Is Low
  • Annual Fee
  • Low Ratio When Tranferring To Airline

Who is the ideal candidate for the Hilton Honors American Express Surpass Card?

The card is best suited for regular Hilton guests seeking a balance of benefits and rewards without the high annual fee of premium cards.

What is the spending requirement for earning Hilton Diamond status with this card?

Cardholders can achieve Hilton Diamond status by spending $40,000 on the Hilton Surpass card within a calendar year.

What is the primary drawback of the Hilton Surpass card?

The perceived lower value of Hilton Honors points compared to other loyalty programs is a notable drawback.

Can I pool Hilton Honors points with other members?

Yes, Hilton allows cardholders to pool points with up to 10 other members, providing flexibility for combining points for award stays.

How can I earn a free night reward with the Hilton Surpass card?

Spending $15,000 on eligible purchases in a calendar year qualifies cardholders for a free night reward that can be used at any Hilton property.

Book hotel with Hilton Surpass card points
Book hotel with Hilton Surpass card points (screenshot taken by our team from Hilton website)

Hilton Honors Aspire American Express Card

Hilton Honors American Express Aspire Card

Hilton Honors Aspire American Express Card

Reward details

3x – 14x 14X Hilton Honors bonus points when you make eligible purchases on your card at participating hotels or resorts within the Hilton Portfolio, 7X Hilton Honors bonus points on eligible purchases on your card for: Flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and U.S. restaurants, 3X Hilton Honors bonus points on other eligible purchases

Current Offer

150,000 points


150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 Months of Card Membership

Credit Rating

Good – Excellent

Annual Fee

$550

0% Intro

N/A

APR

20.99% – 29.99% variable

The Hilton Honors American Express Aspire Card is a premium hotel credit card offering exclusive benefits, caters to frequent Hilton guests, providing substantial benefits that can outweigh the card's annual fee.

It offers 14X Hilton Honors bonus points when you make eligible purchases on your card at participating hotels or resorts within the Hilton Portfolio, 7X Hilton Honors bonus points on eligible purchases on your card for: Flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and U.S. restaurants, 3X Hilton Honors bonus points on other eligible purchases .

Also, the welcome offer includes 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 Months of Card Membership. With an annual fee of $550, the card provides Hilton Diamond status for as long as it's held, one free weekend night, up to $400 in Hilton resort credits, and up to $200 in airline credits annually.

All information about Hilton Honors Aspire Card has been collected independently by The Smart Investor. Hilton Honors Aspire Card is no longer available through The Smart Investor.

  • APR: 20.99% – 29.99% variable
  • Annual fee: $550
  • Balance Transfer Fee: N/A
  • Foreign Transaction Fee: $0
  • Rewards Plan: 14X Hilton Honors bonus points when you make eligible purchases on your card at participating hotels or resorts within the Hilton Portfolio, 7X Hilton Honors bonus points on eligible purchases on your card for: Flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and U.S. restaurants, 3X Hilton Honors bonus points on other eligible purchases
  • Welcome Bonus: 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 Months of Card Membership
  • 0% APR Introductory Rate period: N/A
  • Hilton diamond status
  • Travel credits
  • One free weekend night
  • Cellphone protection
  • High annual fee
  • Enrollment required for some benefits
  • Airline credits are capped at $50 per quarter

What kind of travel protections does the Hilton Aspire Card provide?

The card offers travel protections, including trip delay reimbursement, trip cancellation, and interruption insurance, providing coverage for eligible situations when travel is charged to the card.

Can I share Hilton Honors points with family members?

Yes, Hilton Honors offers points pooling, allowing up to ten friends and family members to combine and share points.

What benefits does Hilton Diamond status provide?

Hilton Diamond status offers perks such as bonus points, lounge access, free breakfast, and room upgrades.

How many reward nights can I earn annually?

Cardholders can earn up to three reward nights each year – one at the account opening, one on the cardmember anniversary, and an additional night with qualifying spending.

Can I use the airline credits for any airline purchases?

The card provides up to $200 in annual airline credits, distributed as $50 per quarter, for eligible airfare purchases directly from airlines or through AmexTravel.com.

How do I use the annual free weekend night award?

The free weekend night can be redeemed at almost any Hilton property worldwide, providing flexibility for your stay.

Redeem Hilton points for Hilton hotel at 6th Avenue New York
Hilton hotel at 6th Avenue New York

Table Of Content

Requirements for Hilton Credit Cards

As with any credit card, there are some requirements you’ll need to consider to determine if you’re eligible. These include:

Despite the different Hilton cards offering different benefits and rewards, they all have a similar credit score requirement. You’ll need a good to excellent score to qualify for any of them or a FICO score of 680 or higher.

Even if you have an excellent credit score, American Express may not approve you for a higher tier Hilton Honors card if you don’t have sufficient income to support the card.

The cards have minimum spend requirements to access additional perks such as reward nights and a bump to the next status level.

So, if you can’t demonstrate that you have enough income to access these types of perks, you may not be approved for the card.

While Amex has a premium set of cards, it has a limit to how many personal and business Amex credit cards you can hold. You’ll only be approved to have five cards at any time.

So, if you already have multiple Amex cards, you may have difficulty qualifying for a new Hilton card.

Pros and Cons of Hilton Cards

There are both positives and potential negatives associated with Hilton cards that you should be aware of before you make a decision.

Pros
Cons
Elite Status Boost
Hilton Specific Benefits
Additional Hilton Perks
Hotel Card
Multiple Card Choices
Similar Credit Score Requirements
Generous Welcome Bonuses

Having a Hilton card can be a great way to get a boost in your Elite status. Even with the base card, you’ll get automatic silver status, with the potential to upgrade to gold.

So, if you’re struggling to maintain your status, having a Hilton card could help.

While the Hilton Honors program is a great way to earn free nights, it is also nice when you get additional free nights with a Hilton credit card.

Use Hilton credit on Hilton hotel chain
Use Hilton credit on Hilton hotel chain

With three personal cards, it makes it easy to pick the best Hilton cards for your circumstances, preferences and requirements.

For example, if you don’t travel regularly, you may not want to have to pay an annual fee, which makes the base card ideal for you, but for frequent travelers who want access to the best perks, you can opt for the Aspire.

All of the Hilton cards offer a generous welcome bonus if you meet the spend requirement in the first three months of card membership. 

This can be a fantastic way to boost your Hilton Honors point balance, while earning great rewards for your spending.

As is common with co-branded credit cards, the benefits and rewards for Hilton cards are quite brand specific. 

You can only access some non brand perks with higher tier cards and even then, they are quite limited.

This follows from the previous point, but all the cards are heavily weighted toward hotel purchases, which may mean that they are not the best cards for your everyday purchases.

Despite having different perks, annual fees and rewards, all of the Hilton cards have a similar credit score requirement of good to excellent.

This means that if you have a score lower than 680, you’ll struggle to qualify.

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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:
185,000 points 185,000 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:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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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:
100,000 points 100,000 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:
155,000 points 155,000 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.
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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:
100,000 points 100,000 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:
155,000 points 155,000 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.

How to Choose a Hilton Credit Card?

As we’ve demonstrated, you can access some great perks with a Hilton credit card, but how do you decide which one is best for you? There are a few considerations to assess that will help you pick.

  • The Annual Fee: As we’ve discussed, each card has a different annual fee, with the base card having no annual fee. So, you’ll need to determine the level of annual fee that you’re comfortable paying.
  • The Value of the Benefits: This ties into the above point, as the higher the annual fee, the greater the benefits package. However, you need to determine the value of these benefits to you. For example, while it is great getting lounge access, if you rarely fly, it will have little to no value for you.
  • The Welcome Bonus: Although the prospect of a massive welcome bonus can be very appealing, it will also come with a spending requirement. So, you need to be honest about how much you can reasonably spend in the first three months. If you typically have modest spending, you’ll need to look for a card that has a lower welcome bonus requirement.
  • Any Other Spending Requirements: Some of the card benefits require you to spend a minimum amount during the calendar year. Again, you need to think about your realistic spending patterns to see which you would qualify for. You don’t want to have to spend more than you would like just to access a benefit because you choose a higher tier card.
Hilton Cards travel benefits
Even with the base Hilton card, you’ll get a welcome bonus, hotel perks and automatic silver status (Photo by NaMong Productions/Shutterstock)

How Does the Hilton Loyalty Program Work?

Hilton Honors is the Hilton chain loyalty program. As a member, you can accumulate points, via your Hilton credit card, Hilton stays, car rentals, cruises and dining at participating restaurants. You can then redeem your points at the thousands of Hilton Group hotels and resorts.

There are also Elite status levels within the program. There are four levels with each higher tier offering more benefits. This includes things like a bonus on your points, free nights, complimentary items during your stay and member services. This means that the higher your elite status tier, the more points you can earn, creating the potential for even greater rewards.

One of the great things about Hilton cards is that you gain elite status automatically. You’ll get this every year, you simply need to stay at least one night at Hilton hotels or resorts to qualify for elite status renewal.

We’ll cover the redemption options in more detail below, but once you accumulate your points, the specific value will depend on how you choose to spend them. With careful planning, you can enjoy a great vacation without needing to break the bank.

Main Benefits of Hilton Cards

Even if you’re not redeeming your accumulated Hilton Honors points, your new Hilton credit card can offer some excellent benefits. These include:

There are no foreign transaction fees on any of the Hilton Honors credit cards. This means that you can use your card when you travel without incurring hefty fees.

The typical foreign transaction fee is approximately 3%, which sounds like a small amount. However, when you’re spending hundreds of dollars during your vacation, you may face a fee bill of $30 for every $1000 you spend.

If you choose the Hilton Aspire or Hilton Business card, you could enjoy airport lounge access via Priority Pass. Priority Pass has a network of over 1,300 lounges across 600 cities in 148 countries. This means that it is quite easy to find a lounge that you can use when you travel.

With the higher tier Hilton credit cards, you’ll receive a number of lounge passes per year, so you can choose as and when you want to use them on your vacations or trips.

The top tier Hilton Aspire also offers statement credit for airline incidentals and Hilton resort purchases up to $250 each per year. This can be a great way to further enjoy a great vacation without needing to spend excessive amounts of cash.

Hilton hotel rewards
A rewards program by Hilton Hotels on the back of a Hilton hotel keycard (Photo by The Bold Bureau/Shutterstock)

Redemption Options When Using Hilton Cards

Once you accumulate sufficient points, you can redeem them in a number of ways. These include:

  • Award Nights: Since this is a Hilton co-branded card, using your points for free nights stays in Hilton resorts and hotels is one of the best redemption methods. Hilton Honors uses a dynamic award calendar rather than fixed prices, making it easier to search for a great deal.
  • Experiences: You can also visit the Hilton Honors auction site and bid on experiences such as VIP concert tickets, fine dining, massages and other unique experiences that will make your vacation a trip of a lifetime. You simply need to bid the number of points you’re prepared to pay and wait to see if you win the auction.
  • Airline Miles: Hilton Honors has partnership agreements with 40 plus airline programs, which means that you can convert your points into miles. The transfer rates vary, but the typical redemption is 10 points for one mile.
  • Amazon Shopping: Finally, you can use your points when you shop on Amazon.com. Hilton Honors has a partnership agreement with Amazon, so you can choose points as your payment method once you link your accounts. There are a few restrictions, such as not using your points for digital goods, subscriptions or AmazonFresh, but otherwise you can shop as normal with a redemption rate of 500 points per dollar.
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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:
185,000 points 185,000 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:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six 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:
185,000 points 185,000 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:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six 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:
185,000 points 185,000 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:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 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.

FAQs

This depends on the venue. Most Hilton hotels and resort locations hold $50 to $200 per night to cover incidentals. The hold will be removed within 24 hours of check out.

Yes, once you’ve been approved, Amex will send you an email with a tracking number. You can use this via the carrier website to track your new credit card.

Gift cards purchases are not counted to accumulate reward points on your credit card.

You can log into your account at any time to check to see if there is a targeted upgrade offer. This will be under the “Offers and Benefits” tab. If you see an offer, you can click “Request an Upgrade.”

This depends entirely on your requirements and circumstances. The Aspire is the top tier card, but it has a premium annual fee, which may not be the best choice for everyone.

Yes, each card is considered to be a different product, so you can have multiple Hilton Honors cards. However, you can only have a maximum of five American Express cards at any time.

Additionally, Amex will only approve a maximum of two card applications in any 90 day period regardless of your credit score and status.

You need a good to excellent score or a FICO score of at least 660 to qualify.

Yes, you can get gold status automatically with the Surpass card, but you can upgrade to Gold with the Hilton Honors card if you meet the spend requirement.

How We Picked The Best Hilton Credit Cards: Methodology

To identify the best Hilton credit cards, our team researched Hilton cards available in the market. We rated these cards based on two key categories tailored for consumers seeking Hilton rewards:

  • Hilton Rewards & Benefits (50%): We evaluate the rewards program specific to Hilton, including points earned per dollar spent on Hilton purchases, bonus categories for accelerated rewards at Hilton properties, and redemption options such as free nights, room upgrades, or vacation packages. Cards offering generous rewards rates, versatile redemption choices, and valuable benefits like elite status or annual free nights score higher in this category.

  • Card Features & Offers (50%): This category assesses additional features that enhance the overall value of the card for Hilton enthusiasts, such as annual fees, foreign transaction fees, free night certificates, anniversary bonuses, and travel benefits like travel insurance or airport lounge access. Cards offering a comprehensive range of benefits without excessive fees earn higher scores.

Review Hotel Credit Cards

Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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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:
185,000 points 185,000 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:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six 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:
185,000 points 185,000 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:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 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.

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.