Hilton Honors American Express Ascend Card Review

Our Detailed Review of This Card

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The Hilton Honors American Express Ascend Card (a NextAdvisor advertiser) is a smart choice for those who prefer to stay at Hilton hotels and resorts. That's because points earned with the card can be redeemed for free nights at more than 3,600 hotels within the Hilton Honors Portfolio, experiences and car rentals, or exchanged for airline miles with Hilton Honors participating airline partners.

Kicking things off is a 125,000-point bonus that you can earn after spending $2,000 on purchases in the first 3 months of card membership (that's worth $623, according to our Travel Analysis). Plus, you'll earn a free weekend night award - good for a standard occupancy, Friday, Saturday or Sunday night stay at properties in the Hilton portfolio - each year you exceed $15,000 in purchases, which is a nice added bonus.

When it comes to ongoing rewards, cardholders will earn 12X points for each $1 spent at hotels in the Hilton Portfolio. The Hilton Honors American Express Ascend Card also earns 6X points for each $1 spent at U.S. supermarkets, U.S. restaurants and U.S. gas stations (a rare high point earn for non-travel purchases!) and 3X points per $1 on all other card purchases. On top of all that, cardholders will enjoy complimentary Hilton Honors Gold status and no foreign transaction fees.

Our Travel Rewards Credit Card Analysis determined the hotel redemption value to be $1.87 for every $100 spent, and the flight value to be on the lower end at $0.67 per $100 spent. There is a $95 annual fee, so if this puts you off, consider its no-annual-fee sister card the Hilton Honors Card from American Express.

Overall, the Hilton Honors American Express Ascend Card is a good card, particularly for domestic travel, and it features the highest point earning potential we've seen among Hilton-branded cards on the market.

Redeem Rewards

  • Redeem points for free nights at more than 3,600 hotels within the Hilton Honors Portfolio, Experience Rewards, car rentals or exchange Hilton points for airline miles with Hilton Honors participating airline partners.

Fees and APR
  • Annual Fee: $95
  • Purchase APR: 17.74%-26.74% Variable, based on creditworthiness.
  • Balance Transfer APR: 17.74%-26.74% Variable, based on creditworthiness.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: None
  • Late Payment Fee: Up to $38.
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 27.24% Variable
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38


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