Hilton Honors Card from American ExpressWhile this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs.

For frequent travelers who enjoy staying at Hilton hotels, the Hilton Honors Card from American Express (a NextAdvisor advertiser) is an easy way to make your trip even better. This card lets you earn Hilton Honors Bonus Points on all purchases, which can be redeemed to partially or fully pay for nights at Hilton properties, and you can get a limited-time bonus offer of 75,000 points when you spend $1,000 on purchases with this card in the first 3 months of ownership (note that this offer expires on June 27, 2018). Plus, you get perks from Hilton and American Express to make both your stay and your journey better experiences, and there’s no annual fee involved. To get the full scope of how this card can improve your travel experience, keep reading below.

What does the Hilton Honors Card from American Express offer?

Hilton Honors Card from American Express
  • Limited-time offer: earn 75,000 Hilton Honors Bonus Points after you spend $1,000 on purchases in the first 3 months. Note that this offer expires on June 27, 2018.
  • Earn 7 points per $1 for eligible purchases made directly with a hotel or resort in the Hilton Honors portfolio.
  • Earn 5 points per $1 for eligible purchases made at U.S. restaurants, U.S. supermarkets and U.S. gas stations.
  • Earn 3 points per $1 spend on all other eligible purchases.
  • Received automatic Hilton Honors Silver Status.
  • Enjoy American Express benefits, including return protection, roadside assistance hotline access and access to special pre-sale tickets for certain events.
  • Pay no annual fee.

As expected with a branded card, you really get the most out of the Hilton Honors Card from American Express when you use it at hotels in the Hilton portfolio (of which there are over 570 properties across 6 continents). You’ll earn 7 points per $1 spent at Hilton hotels, including your booking and incidental fees such as room service. What’s unexpected, though, is that this card also earns bonus points for categories that aren’t Hilton or travel-related — this isn’t common for hotel-branded cards — earning 5 points per $1 spent at U.S. restaurants, U.S. supermarkets and U.S. gas stations (gasoline purchases only). As a base rate, you’ll earn 3 points per $1 spent on all other eligible purchases. In addition to ongoing earnings, you’ll also receive a limited-time 75,000 Hilton Honors Bonus Points after you spend $1,000 on purchases in the first 3 months of card ownership, which will help you get a head start on building your point reserves. As mentioned above, you’ll have to apply before June 27, 2018 to be eligible for this bonus.

This card also grants Hilton Honors Silver Status, which normally requires booking four separate stays or 10 total nights at Hilton properties within a single calendar year to qualify for. Being automatically enrolled as a Hilton Honors Silver member lets you earn base points (note that these are different than the points you’ll earn with the Hilton Honors Card from American Express). Silver status also comes with a number of other benefits, including late check-out, waived double occupancy charges and complimentary Internet access and bottles of water at certain Hilton brands. Additionally, to encourage you to save your points, Silver members get a fifth night free when booking a reward stay of five or more nights using only Hilton base points.

American Express throws in some perks of its own as well, mostly with regard to travel and shopping. For travel, you get benefits like no foreign transaction fees, car rental insurance that covers loss and damage, travel accident insurance and a global assist hotline that can connect you with services for emergency situations all around the world. When shopping, you’ll enjoy 90 days of purchase protection for up to $1,000, 90 days of return protection for up to $300 and warranty extension for up to one additional year. If you like live entertainment such as concerts and sports events, this card also gives access to special ticket pre-sales, exclusively for American Express card members.

Does the Hilton Honors Card from American Express have downsides?

While the Hilton Honors Card from American Express is a good hotel-branded card, it’s still a branded card, which means it may not give you the best value unless you’re a loyal Hilton customer. The results of our Travel Rewards Credit Card Analysis prove this to be true, as the Hilton Honors Card from American Express’ points have a hotel redemption value of $1.69 per $100 spent and a much lower flight redemption value of $0.61 per $100 spent. Even though you can redeem miles for free nights at more than 3,600 hotels within the Hilton Honors Portfolio, experiences and car rentals, or exchange them for airline miles with Hilton Honors participating airline partners, redeeming your points for hotel stays will get you the most bang for your buck.

Other travel cards with no annual fee can give you more flexibility with how you earn and redeem your rewards, such as the Discover it Miles. Its reward structure is simpler, since it earns an unlimited 1.5 miles for each $1 spent without any category bonuses, and its miles can be applied to any airline or hotel you want. Instead of a traditional signup bonus with a spending goal you have to meet, the Discover it Miles matches all of the miles you earn at the end of your first year of card ownership, meaning your bonus doesn’t have a requirement or an upper spending limit. Discover it Miles also has no foreign transaction fees and no annual fee. Additionally, the perks you get with the Discover it Miles are more focused on security rather than luxury, with a free FICO score every month to help you keep an eye on your credit, free social security number monitoring and Discover Freeze it, which lets you deactivate and reactivate your card using an app in case you lose it.

If you’re willing to pay an annual fee, you may also want to look at the Capital One Venture Rewards Credit Card, which costs $0 for your first year and $95 per year after that. It earns an unlimited 2 miles for each $1 spent on all purchases, and through January 31, 2020, it earns a massive 10 miles per $1 spent when you book hotels through Hotels.com/Venture. Plus, if you spend $3,000 on purchases within the first 3 months of opening your account, you’ll get a 50,000 mile bonus, which is equal to $500 in travel. According to our Travel Rewards Credit Card Analysis, the Venture card’s miles have the highest monetary value compared to all of the other travel cards we review, making this card a miles-earning monster. With additional features like no foreign transaction fees, Apple Pay integration and a free TransUnion FICO score every month, the Capital One Venture Rewards Credit Card brings a level of value that’s hard to beat.

Should you apply for the Hilton Honors Card from American Express?

If you stay at Hilton properties more than maybe once per year, the Hilton Honors Card from American Express is a nice card to have, if only because it gives you automatic Hilton Honors Silver Status with no annual fee. It’s definitely the card to use when you book and stay at a Hilton hotel due to the huge rewards you can rack up, and while you’re traveling, the American Express perks can give you some extra peace of mind. As a general-purpose travel rewards card, though, its lack of rewards versatility and poor point value when redeeming for travel mean there are better options out there. It’s a good card to have in your wallet for when you stay at Hilton properties, even if it’s not the first you should reach for to cover your everyday purchases.

Alternatively, if you like the Hilton Honors Card and you’re okay with an annual fee, the Hilton Honors Ascend Card from American Express offers more points (including a limited-time 100,000-point bonus opportunity!), Hilton Honors Gold Status and many of the same American Express benefits for $95 per year. You can visit our reviews of the best travel credit cards to see more options.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.